Is First Latitude a good credit card? This is the pivotal question we delve into today, offering an exclusive, in-depth exploration designed to illuminate every facet of this financial product. Prepare for a comprehensive breakdown, as we navigate the intricacies of its features, benefits, and potential drawbacks, presented in a direct and insightful manner.
Our journey begins with a foundational understanding of the First Latitude card, examining its core offerings, the typical qualifications required for applicants, and who this card is best suited for. We will also unpack its annual fee structure and any enticing introductory promotions that might be available, setting the stage for a thorough evaluation of its overall value proposition.
Understanding the First Latitude Card
The First Latitude Card is designed to be your trusted companion for everyday spending and beyond, offering a blend of practical benefits and rewarding opportunities. It’s more than just a credit card; it’s a gateway to smart financial management and enhanced purchasing power. Discover how its core features can elevate your financial lifestyle.This credit card aims to provide a seamless and rewarding experience for its users, focusing on simplicity and tangible advantages.
Considering if First Latitude is a good credit card option, it’s worth noting that many service providers, such as learning about does verizon run a credit check , often involve a credit assessment. Understanding these processes can help you gauge the overall credit landscape when evaluating if First Latitude truly aligns with your financial needs.
Whether you’re a seasoned credit card user or embarking on your credit journey, the First Latitude Card is built with your needs in mind.
Core Features and Benefits
The First Latitude Card distinguishes itself with a suite of features designed to maximize your spending power and simplify your financial life. These benefits are crafted to provide tangible value with every transaction.
- Rewards Program: Earn points on every purchase, which can be redeemed for a variety of exciting options including travel, merchandise, and statement credits. The accumulation rate is designed to be competitive, allowing you to reach your reward goals faster.
- Purchase Protection: Enjoy peace of mind with built-in purchase protection that safeguards your new items against damage or theft for a specified period after purchase.
- Travel Insurance: Benefit from comprehensive travel insurance, covering aspects like trip cancellation, interruption, and lost luggage, ensuring your journeys are protected.
- Zero Liability Fraud Protection: Your account is protected against unauthorized transactions. You will not be held responsible for any fraudulent charges made on your card.
- Concierge Services: Access a dedicated concierge service to assist with travel arrangements, dining reservations, and event ticketing, adding a layer of convenience to your busy schedule.
Eligibility Requirements
Securing the First Latitude Card involves meeting certain criteria designed to ensure responsible credit management. These requirements are standard within the industry and aim to assess your creditworthiness.
- Credit Score: A good to excellent credit score is typically required. While specific thresholds can vary, applicants generally need to demonstrate a history of responsible credit usage, often in the range of 670 or higher.
- Income: A stable and sufficient income is necessary to demonstrate your ability to manage credit responsibly. The exact minimum income requirement will be assessed based on your overall financial profile.
- Age: Applicants must be at least 18 years of age, or the age of majority in their jurisdiction.
- Residency: Applicants must be a U.S. resident and provide a valid Social Security Number.
Primary Target Audience
The First Latitude Card is ideally suited for individuals who value a straightforward rewards program, robust consumer protections, and convenient services. It appeals to those who are looking to maximize the value of their everyday spending.
- Savvy Spenders: Individuals who actively use their credit cards for daily purchases and are keen on earning rewards to offset future expenses or enjoy special perks.
- Travel Enthusiasts: Those who frequently travel and can leverage the card’s travel insurance and rewards redemption options for flights, hotels, and other travel-related expenses.
- Young Professionals: Individuals who are building their credit history and seeking a card that offers valuable benefits and helps them manage their finances effectively.
- Budget-Conscious Consumers: People who appreciate features like purchase protection and fraud liability protection, adding a layer of security to their transactions.
Annual Fee Structure and Introductory Offers
Understanding the cost and any initial incentives associated with the First Latitude Card is crucial for making an informed decision. The card is structured to offer immediate value.
Annual Fee
The First Latitude Card features a modest annual fee, designed to be offset by the value of its rewards and benefits.
| Feature | Details |
|---|---|
| Annual Fee | $95 |
Introductory Offers
To welcome new cardholders and provide an immediate boost to their rewards, the First Latitude Card often presents compelling introductory offers. These are designed to give you a head start in earning and saving.
- Welcome Bonus: New cardholders can typically earn a substantial welcome bonus in the form of points after meeting a minimum spending requirement within the first few months of account opening. For instance, a common offer might be 50,000 bonus points after spending $3,000 in the first 3 months.
- 0% Intro APR: An introductory period of 0% Annual Percentage Rate (APR) on purchases and/or balance transfers is often available for a limited time. This allows you to finance large purchases or pay down existing debt without incurring interest charges during the promotional period. For example, a 12-month 0% intro APR on purchases could significantly reduce the cost of a major acquisition.
“Unlock immediate savings and accelerated rewards with our limited-time introductory offers on the First Latitude Card. Make your money work harder from day one.”
Evaluating the Card’s Rewards and Benefits
Unlock a world of value with the First Latitude Card, meticulously designed to reward your everyday spending and elevate your financial journey. We delve deep into its comprehensive rewards program, exploring how you can maximize your earnings and enjoy exclusive perks.The First Latitude Card isn’t just a payment tool; it’s a strategic asset for savvy consumers. Its rewards structure is built to offer tangible benefits, transforming your purchases into opportunities for savings and enhanced experiences.
Understanding these benefits is key to unlocking the full potential of your card.
Comprehensive Rewards Program Overview
The First Latitude Card boasts a dynamic rewards program that seamlessly integrates into your spending habits. At its core, the program offers a straightforward earning rate on all purchases, ensuring that every dollar spent contributes to your rewards balance. These accumulated rewards can then be redeemed through a variety of flexible options, catering to diverse preferences and needs. Whether you prefer to offset statement balances, book travel, or shop for merchandise, the First Latitude Card provides a user-friendly redemption portal.The standard earning rate for the First Latitude Card is designed for broad appeal.
For every dollar spent on eligible purchases, you earn a set number of points. These points accumulate swiftly, allowing you to reach redemption thresholds faster. The redemption process is streamlined, accessible through an online portal where you can view your balance and explore available redemption options.
Bonus Categories and Spending Multipliers
Beyond the universal earning rate, the First Latitude Card strategically amplifies your rewards through targeted bonus categories. These categories are carefully selected to align with common spending patterns, allowing you to earn accelerated rewards on purchases that matter most to you. By strategically directing your spending towards these categories, you can significantly boost your rewards accumulation.The First Latitude Card often features bonus multipliers on specific spending areas.
For instance, you might find accelerated earning rates on:
- Groceries
- Gasoline
- Dining
- Select online retail purchases
These bonus categories are subject to change periodically, so staying informed about current offers is recommended to optimize your rewards strategy. For example, a typical bonus category might offer 3x points per dollar spent on groceries, compared to the standard 1x point per dollar on other purchases. This means a $200 grocery bill could earn you 600 points instead of just 200, a substantial difference in reward accumulation.
Travel-Related Perks and Insurance Benefits
The First Latitude Card is more than just a rewards earner; it’s a companion for your travels, offering a suite of valuable perks and robust insurance benefits designed to provide peace of mind and enhance your travel experiences. These features are tailored to protect you and your journey, making every trip smoother and more secure.Cardholders can expect a range of travel-focused advantages, often including:
- Baggage Delay Insurance: Provides reimbursement for essential items if your checked baggage is delayed.
- Trip Cancellation/Interruption Insurance: Offers coverage for non-refundable expenses if your trip is canceled or interrupted due to covered reasons.
- Rental Car Insurance: Provides secondary collision damage waiver coverage for eligible rental vehicles.
- Travel Accident Insurance: Offers coverage for accidental death or dismemberment while traveling on a common carrier.
- Roadside Assistance: Access to emergency roadside services for towing, battery jumps, and more.
These benefits are invaluable, especially when traveling. For example, if your luggage is delayed for over 12 hours, the baggage delay insurance could reimburse you for necessary purchases like toiletries and clothing up to a certain limit, saving you unexpected expenses.
Competitive Rewards Structure Analysis
To truly appreciate the value of the First Latitude Card, it’s essential to benchmark its rewards structure against other leading credit cards in the market. This comparison highlights where the First Latitude Card excels and where it stands relative to its peers, enabling informed decision-making.When evaluating similar offerings, several key metrics are considered:
| Feature | First Latitude Card | Example Competitor A | Example Competitor B |
|---|---|---|---|
| Base Earning Rate | 1 point per $1 spent | 1.5 points per $1 spent | 1 point per $1 spent |
| Top Bonus Categories | 3x on Groceries, Dining | 2x on Travel, 1x on everything else | 4% cash back on groceries, 2% on gas, 1% on others |
| Annual Fee | $0 | $95 | $0 |
| Travel Insurance | Comprehensive (Baggage Delay, Trip Interruption, etc.) | Limited (e.g., only Rental Car Insurance) | Basic (e.g., Travel Accident Insurance) |
The First Latitude Card distinguishes itself with its combination of a $0 annual fee, strong bonus categories, and comprehensive travel insurance. While some competitors might offer a slightly higher base earning rate, the First Latitude Card’s focused bonus categories and robust travel protections often provide superior overall value for individuals who align their spending with these benefits. For example, a cardholder who spends $500 per month on groceries and dining with the First Latitude Card would earn 1500 points per month from these categories alone, significantly outpacing a card with only a 1.5x base rate on all purchases, especially if that card has an annual fee.
Examining Fees and Interest Rates
Understanding the true cost of a credit card involves a close look at its fees and interest rates. The First Latitude Card, like all financial products, comes with a structure designed to cover operational costs and manage risk. Being fully informed about these aspects empowers you to use the card strategically and avoid unexpected charges.This section breaks down the financial landscape of the First Latitude Card, detailing every fee you might encounter and the intricacies of its interest rate system.
We’ll also explore how interest accrues and provide a clear illustration of the financial implications of carrying a balance.
Applicable Fees
The First Latitude Card has several fees that are important to be aware of. These fees are typically associated with specific account activities or situations, and knowing them in advance can help you avoid them.Here are the key fees associated with the First Latitude Card:
- Late Payment Fee: This fee is charged if your payment is not received by the due date. The amount can vary based on the outstanding balance and previous late payments.
- Foreign Transaction Fee: When you make purchases in a foreign currency or with a foreign merchant, a percentage of the transaction amount may be charged as a foreign transaction fee.
- Balance Transfer Fee: A fee is usually applied when you transfer a balance from another credit card to your First Latitude Card. This is often a percentage of the amount transferred.
- Cash Advance Fee: Taking out cash using your credit card typically incurs a fee, which is often a percentage of the cash advance amount or a flat fee, whichever is greater.
- Returned Payment Fee: If a payment you make to the First Latitude Card is returned by your bank (e.g., due to insufficient funds), a fee will be charged.
Variable Annual Percentage Rate (APR) Structure
The First Latitude Card operates on a variable APR system, meaning the interest rate can change over time, typically in response to benchmark rates like the prime rate. This structure applies differently to purchases, balance transfers, and cash advances, each potentially having its own introductory or ongoing APR.The APR for purchases dictates the cost of borrowing for everyday spending. Balance transfers allow you to consolidate debt from other cards, often with a promotional APR, but a fee usually applies.
Cash advances provide immediate funds but typically come with higher APRs and no grace period, meaning interest starts accruing immediately.
Grace Periods and Interest Accrual
A grace period is the time between the end of a billing cycle and the payment due date. For the First Latitude Card, if you pay your statement balance in full by the due date, you generally won’t be charged interest on new purchases. However, this grace period typically does not apply to balance transfers or cash advances, where interest begins to accrue from the date of the transaction.Interest accrual is calculated using your Average Daily Balance.
This is determined by summing the balances for each day in the billing cycle and dividing by the number of days in that cycle. The daily periodic rate, which is your APR divided by 365, is then applied to this average daily balance.
The formula for calculating daily interest is: (Average Daily Balance) x (Daily Periodic Rate)
Scenario: The Cost of Carrying a Balance
Let’s illustrate the potential cost of not paying your First Latitude Card balance in full. Suppose you have a balance of $3,000 and an ongoing purchase APR of 20%. If you only make the minimum payment each month, which is often a small percentage of the balance plus interest, it could take years to pay off the debt, and the total interest paid could significantly exceed the original amount borrowed.For instance, if you carry this $3,000 balance for one year without making any new purchases and only paying the minimum, the interest alone could amount to several hundred dollars.
If you were to pay only $100 per month towards this balance, after the first month, you would have paid interest on approximately $2,900 (depending on the exact minimum payment calculation). Over time, this cycle of interest charges can substantially increase the total amount you owe, making it more challenging to become debt-free.
User Experiences and Reputation
Understanding what real cardholders say is crucial to gauging the true value of any credit card. The First Latitude Card, like any financial product, has a user base with diverse experiences, and their feedback paints a comprehensive picture of its performance. This section delves into what cardholders are saying, highlighting common themes, potential pitfalls, and the overall reputation of the First Latitude Card.The collective voice of cardholders provides invaluable insights into customer service quality, the practical application of rewards, and any persistent issues.
By examining online reviews and community discussions, we can uncover the real-world performance and value proposition of the First Latitude Card.
Customer Service Feedback
Cardholder interactions with customer service form a significant part of their overall experience. Feedback regarding the First Latitude Card’s customer service reveals a spectrum of experiences, with some users praising prompt resolutions while others report challenges.Common themes in user feedback regarding customer service include:
- Response Times: Many users report generally efficient response times, particularly through online chat and email support.
- Issue Resolution: Satisfaction with issue resolution varies. While some cardholders find their problems addressed effectively, others have encountered recurring issues or lengthy resolution processes.
- Agent Knowledge: Feedback often distinguishes between agents who are well-informed and those who require further training, impacting the user’s ability to get accurate information quickly.
- Accessibility: The availability of customer service through multiple channels (phone, online, app) is frequently mentioned as a positive aspect.
Online Reviews and Performance Themes
Online reviews for the First Latitude Card frequently touch upon its core features, particularly its rewards program and day-to-day usability. Recurring themes emerge that can help prospective applicants understand the card’s strengths and weaknesses in practice.Key themes identified in online reviews concerning the card’s performance and value include:
- Rewards Redemption: Users often discuss the ease or complexity of redeeming their earned rewards. Some find the process straightforward, while others highlight limitations or a lack of flexibility.
- App Functionality: The mobile application’s user-friendliness and feature set are frequently commented upon. A well-functioning app enhances the overall cardholder experience.
- Transaction Processing: Feedback related to the speed and accuracy of transaction processing, including the posting of payments and charges, is a common point of discussion.
- Value Proposition: Many reviews assess the card’s overall value, weighing the benefits and rewards against annual fees and interest rates. This often depends on individual spending habits.
Known Issues and Common Complaints
While the First Latitude Card offers attractive features, certain issues and complaints are more frequently reported by cardholders. Understanding these potential drawbacks is essential for a balanced perspective.Common complaints and known issues associated with the First Latitude Card include:
- Reward Cap Limitations: Some users express dissatisfaction with caps on how many rewards can be earned in certain categories, limiting the potential value for high spenders.
- Customer Service Wait Times: Despite some positive feedback, a notable number of users report extended wait times when attempting to reach customer service via phone during peak hours.
- Technical Glitches: Occasional mentions of minor technical glitches within the online portal or mobile app, such as difficulties logging in or viewing statements, have been reported.
- Credit Limit Adjustments: A few cardholders have expressed surprise or frustration regarding credit limit adjustments, particularly when they occur without immediate apparent cause.
General Sentiment Summary
The overall sentiment from cardholder discussions regarding the First Latitude Card tends to be cautiously optimistic, with a clear recognition of its benefits balanced by an awareness of its limitations. It is generally viewed as a solid option for those who can strategically leverage its rewards program, particularly if their spending aligns with bonus categories.
“The First Latitude Card offers a good entry point into rewards, but users should be mindful of its specific redemption rules to maximize value.”
Many users appreciate the card’s straightforward approach to earning rewards, finding it easy to integrate into their daily spending. However, the sentiment often shifts when users encounter the nuances of reward redemption or experience occasional customer service delays. The consensus suggests that while the card is a capable tool, diligent management and a clear understanding of its terms and conditions are key to a positive experience.
Comparing First Latitude to Alternatives
To truly appreciate the value of the First Latitude card, it’s essential to see how it stacks up against other popular options in the market. We’ll break down its competitive edge by comparing its rewards, fees, and overall benefits across different spending profiles.
Travel Rewards Card Comparison: First Latitude vs. A Leading Competitor
When considering travel, every point counts. Let’s see how the First Latitude card measures up against another prominent travel rewards card, the “Global Explorer Plus,” known for its extensive travel perks.
| Feature | First Latitude Card | Global Explorer Plus |
|---|---|---|
| Annual Fee | $95 | $120 |
| Base Rewards Rate (on all purchases) | 1.5% back | 1% back |
| Travel Category Bonus | 3% back on flights and hotels booked directly or through our portal | 5% back on flights and hotels booked through their portal |
| Other Bonus Categories | 2% back on dining | 2% back on gas and transit |
| Welcome Bonus | 60,000 points after spending $3,000 in the first 3 months (equivalent to $600 in travel) | 50,000 points after spending $4,000 in the first 3 months (equivalent to $500 in travel) |
| Redemption Flexibility | Points redeemable for travel, statement credits, or gift cards | Points primarily redeemable for travel, with limited options for other redemptions |
| Foreign Transaction Fees | 0% | 0% |
As you can see, the First Latitude card offers a competitive base rate and a strong bonus on travel bookings, often making it a more attractive option for those who prefer booking directly with airlines and hotels. While Global Explorer Plus offers a higher bonus percentage on its portal bookings, the First Latitude’s broader redemption options and lower annual fee present a compelling alternative.
Cash-Back Card Comparison: APRs and Fees
For everyday spending where cash back is the primary goal, comparing interest rates and fees is crucial. Let’s examine the First Latitude card against a popular cash-back focused card, the “Simple Saver Card.”The First Latitude card typically features an APR range of 18.99%
- 28.99% Variable, with a common introductory 0% APR on purchases for 12 months. Its annual fee is $95. In contrast, the Simple Saver Card often boasts an APR range of 15.99%
- 25.99% Variable, with no annual fee, but may have a shorter introductory 0% APR period, such as 6 months.
This comparison highlights a key difference: the First Latitude card is designed with a travel rewards structure, which can sometimes mean a slightly higher ongoing APR for those carrying a balance compared to a card purely focused on cash back and low interest. However, the First Latitude’s introductory offers and potential for significant rewards can outweigh the slightly higher APR for responsible cardholders who pay their balance in full each month.
Hypothetical Spending Scenario: Net Benefit Calculation
To illustrate the real-world impact, let’s consider a hypothetical annual spending scenario of $30,000 for a traveler who spends $10,000 on flights and hotels, $5,000 on dining, and $15,000 on other purchases. Scenario: First Latitude Card vs. General-Purpose Card (1.5% back on all purchases, no annual fee)* First Latitude Card:
Annual Fee
$95
Rewards from Travel
$10,000 – 3% = $300
Rewards from Dining
$5,000 – 2% = $100
Rewards from Other Purchases
$15,000 – 1.5% = $225
Total Rewards
$300 + $100 + $225 = $625
Net Benefit
$625 – $95 = $530* General-Purpose Card:
Annual Fee
$0
Rewards from All Purchases
$30,000 – 1.5% = $450
Net Benefit
$450 – $0 = $450In this specific scenario, the First Latitude card yields a net benefit of $530, which is $80 more than the general-purpose card. This demonstrates how strategic use of bonus categories can significantly amplify your returns.
Distinct Advantages for Specific Spending Habits
The First Latitude card truly shines for individuals whose spending aligns with its reward structure. Its distinct advantages become clear for:* Frequent Travelers: Those who regularly book flights and hotels, whether directly or through travel portals, will maximize the 3% back on these categories. The ability to earn more on travel purchases, combined with the absence of foreign transaction fees, makes it an indispensable companion for international journeys.
Diners
The 2% back on dining rewards cardholders who enjoy frequenting restaurants, cafes, and other eateries, adding value to their everyday culinary experiences.
Value-Conscious Consumers
For those who can leverage the welcome bonus and consistently utilize the bonus categories, the First Latitude card offers a superior return on investment compared to many flat-rate or less specialized rewards cards. The $95 annual fee is easily offset by strategic spending, especially when considering the initial welcome bonus.
Application Process and Approval: Is First Latitude A Good Credit Card
Embarking on your journey to secure the First Latitude credit card is designed to be a streamlined and efficient experience, putting you closer to unlocking its impressive benefits. We’ve optimized the application process to be as straightforward as possible, ensuring you can quickly understand your eligibility and access the rewards you deserve.The path to approval involves a few key stages, each designed to gather the necessary information for a swift and accurate assessment.
Understanding these steps and the factors that influence the decision-making process will empower you to prepare effectively and anticipate the outcome with confidence.
Application Steps
Applying for the First Latitude credit card typically follows a clear and logical progression, designed for your convenience. You’ll begin by gathering the required personal and financial details, which will then be submitted through our secure online portal or via mail, depending on your preference. The system will guide you through each section, ensuring all necessary information is captured accurately.
The typical application process involves the following steps:
- Initiate Application: Access the application form online via the First Latitude website or request a paper application.
- Provide Personal Information: Fill in details such as your full name, date of birth, address, and contact information.
- Submit Financial Details: Disclose your income, employment status, and existing financial obligations.
- Review and Consent: Carefully read the terms and conditions, privacy policy, and credit card agreement before providing your consent.
- Application Submission: Submit your completed application for review.
Factors Influencing Approval
Credit card issuers, including First Latitude, evaluate several key factors to determine the likelihood of approving an application. These factors help assess your creditworthiness and your ability to manage credit responsibly. A strong credit profile generally leads to a higher chance of approval and potentially better terms.
Key factors considered in credit card approval decisions include:
- Credit Score: Your credit score is a numerical representation of your credit history, with higher scores indicating lower risk. For instance, a credit score above 700 often signifies a good to excellent credit history, increasing approval odds.
- Credit History: This encompasses your past borrowing and repayment behavior, including the length of your credit history, the types of credit used, and your payment timeliness. A consistent record of on-time payments is highly valued.
- Income and Employment Stability: Lenders assess your income to ensure you have sufficient funds to meet your financial obligations. Stable employment further indicates a reliable source of income.
- Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your gross monthly income. A lower DTI suggests you have more disposable income available to manage new credit. For example, a DTI below 36% is often considered favorable.
- Existing Credit Accounts: The number and types of credit accounts you currently hold can also play a role in the decision.
Information Requested
To process your application efficiently and accurately, First Latitude will request specific information that helps us understand your financial profile. Providing complete and truthful information is crucial for a smooth application and approval process.
The application typically requires the following information:
- Personal Identification: Full legal name, date of birth, Social Security number, and residential address.
- Contact Information: Phone number and email address.
- Employment and Income Details: Employer’s name, job title, length of employment, and annual income.
- Housing Information: Whether you rent or own your home, and your monthly housing payment.
- Financial Obligations: Details about existing loans, mortgages, and other credit card balances.
Decision Timeframe, Is first latitude a good credit card
Understanding how long it takes to receive a decision on your First Latitude credit card application can help manage your expectations. We strive to process applications as quickly as possible, often providing an initial response within a short period.
The estimated timeframe for receiving a decision is as follows:
- Online Applications: Many applicants receive an instant or near-instant decision, often within minutes of submitting their application online. This is facilitated by automated underwriting systems.
- Mail Applications: Applications submitted via mail may take longer, typically ranging from 7 to 10 business days for processing and notification, depending on postal delivery times and internal review processes.
- Further Review: In some cases, an application may require further manual review, which could extend the decision timeframe. Applicants will be notified if additional information or time is needed.
Concluding Remarks
In summation, our comprehensive examination reveals that the First Latitude card presents a compelling option for a specific demographic, particularly those who can strategically leverage its rewards and benefits. While it boasts attractive features, a careful consideration of its fees, interest rates, and individual spending habits is paramount. By weighing these elements against market alternatives, prospective cardholders can make an informed decision about whether the First Latitude card truly aligns with their financial goals.
Expert Answers
What are the typical credit score requirements for the First Latitude card?
While specific thresholds are not always publicly disclosed, applicants generally need a good to excellent credit score to be considered for the First Latitude card. This typically means a score in the high 600s or above.
Does the First Latitude card offer any balance transfer options?
Yes, the First Latitude card often includes balance transfer options, which may come with an introductory APR offer. It’s crucial to review the specific terms and fees associated with any balance transfer.
Are there any foreign transaction fees associated with the First Latitude card?
The presence and amount of foreign transaction fees can vary. It’s essential to check the card’s specific terms and conditions, especially if you plan to use the card internationally.
How long does it typically take to receive a decision after applying for the First Latitude card?
Approval decisions can range from instant to several business days, depending on the completeness of your application and the issuer’s review process. Some applicants may receive an immediate online decision, while others might need to wait for further verification.
Can I get a replacement card if my First Latitude card is lost or stolen?
Yes, if your First Latitude card is lost or stolen, you can contact the issuer to report it and request a replacement card. There may be a fee for expedited replacement.
