# First Access Card — user reviews > 33 indexed App Store user reviews of First Access Card by Vervent, Inc, rated 2.20/5 from 51 ratings. - Source: https://appshunter.io/ios/app/first-access-card/id1614937713/reviews - App overview in markdown: https://appshunter.io/ios/app/first-access-card/id1614937713.md - Rating breakdown: 5★ 11 · 4★ 3 · 3★ 1 · 2★ 4 · 1★ 32 ## Newest reviews (15 of 33) ### 1/5 — SCAM Rigged to waste your time & money *2025-03-25* Many different days There app, website is always messing up with login as a DETERENT to make things hard on you when trying to pay so you put it off and forget. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — It is what it is *2025-02-13* Barely any features at all and does not stay up to date with purchases ### 1/5 — Constantly putting password *2024-12-02* Very annoying that every time you open the app you have to re-enter user name and password after already setting bio metrics. Won’t ever remember user name so just wasting time every time. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — Won’t let me use facial recognition *2024-08-06* I always sign up for facial recognition to sign into my account on the app. The app keeps on throwing me out and says that I’m not signed up when I am fixed. This problem is very frustrating or get out of the app business. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — App issue *2024-07-25* I’ve had this card for over a year never had an issue until now I tried to make a payment on it and it’s giving me an error message, the app is responding slowly it’s erasing your past transactions just terrible **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — Card is ok App is Horrible *2024-06-27* Can’t ever login no matter how many times I reset my password. says it doesn’t recognize my username, but I can login online. Makes it hard to maintain my account if I can’t use your app. **Developer response:** Sorry to hear you had issues with the app. If this continues please contact our Customer Service department and we will be happy to review. ### 1/5 — App is as worthless as the card *2024-06-08* App never works. Can’t log in making it useless. Let’s not even talk about the constant fees. Only reason I keep it open is so I don’t take a hit closing an account but I think the loss of $300 credit line won’t hurt to much. Constantly down what a joke **Developer response:** Sorry to hear you are having issues. Please contact our Customer Service department at 1-877-259-3755 and we will be happy to assist. ### 1/5 — DON’T GET THIS CARD *2024-04-09* Worst experience ever they don’t know what they’re talking about when you ask them about your card I’ve spoken to 7 different people fighting to get a refund for a month was told it was only going to take 7 days then I got told today it’s going to take over 30?! I’ve had this card for 3 years I do not recommend at all. **Developer response:** Sorry to hear you are having issues with getting your refund. We will be attempting to contact you about your concern. ### 1/5 — High Fees and low spending. *2024-04-08* I opened this card to rebuild my credit after a bad relationship. I’m still at a $300 spending limit a few years later even though I make more money and made all my payments. The fees are ridiculous too. I was using it for gas and get no rewards or perks. I suggest going elsewhere and saving yourself money. **Developer response:** Please contact our Customer Service department and they will be happy to request a credit line increase for you. ### 1/5 — Trash card! *2024-02-14* I had First Access for a few months, at first was ok but all of a sudden couldn’t access on line and said card number was invalid white card was in good standing .. just threw it in the trash can. People should only use credible lenders and this First Acess isn’t! **Developer response:** Sorry to hear you had issues and not happy with the account. Please contact our Customer Service department so we can assist. ### 1/5 — Can’t Access Account *2024-02-13* What is wrong with this thing I am a new customer can’t get back into the app can’t reset password this is worthless. I am trying to see my account set up my payments ### 1/5 — Stole my money *2024-02-02, version 2.0.1* I paid $31.00 for the the upfront fee and owed $64.00 but when I tried to pay their computers would not except my atm card and I tried for days and no matter what atm card I gave them I was denied . They also said id get my 31.00 back but I’ve never received it. I reported them for fraud ### 1/5 — Horrible service and card *2023-09-06* Ther take 6 pieces of info on every call not in d country and cubicles they are in in the phone you can hear everything someone else is saying . Get the Amex credit one card. This card is a nightmare to deal with for me. Please bring back Smerucan jobs with English speaking reps . Not worth the trouble on this card **Developer response:** Sorry to hear you had issues using your card. Please contact our Customer Service department so we can assist. ### 1/5 — App is as worthless as the card *2023-07-22* App never works. Can’t log in making it useless. Let’s not even talk about the constant fees. Only reason I keep it open is so I don’t take a hit closing an account but I think the loss of $300 credit line won’t hurt to much. **Developer response:** Sorry to hear you are having issues. Please contact our Customer Service department at 1-877-259-3755 and we will be happy to assist. ### 1/5 — Brand new costumer *2023-03-22* A lot of red lights and flags. Multiple chargers,$95 just to get processed plus $75 extras. Super redundant procedures and time wasting stuff. App keep on crashing. Was talking to First Access Costumer Service rep and the guy hung up on me as soon as I told him I had a few questions. Skittish at least or even a little bit scary. Just my first 2 hours experience as a brand new client. **Developer response:** Sorry to hear you are having issues. Please contact our Customer Service department at 1-877-259-3755 and we will be happy to assist. ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible company *2026-04-21* Don’t get this card! I got this card because I was in a Credit repair program and it was suggested to me unbeknownst to the Credit repair company that this company has ridiculous fees. They charge you $99 when you sign up then that same month they’ll charge your card another hundred dollars for Service fees. My credit limit was only $300 to begin with. **Developer response:** Sorry to hear you are not happy with the account. All Terms and Conditions are clearly stated on the website prior to signing up for the card. Please contact our Customer Service team and we will be happy to review those with you. ### 1/5 — Find another card *2026-04-15* I am unhappy with the first access card. I received the card in March finally after waiting 15 days even after I paid for expedited card processing that was red flag number one. I used my card in retail stores and the grocery store, once I was almost at my limit I paid off my balance just to show a good payment history. The first payment was processed from one of my debit cards. When I used the card and made a second payment first access restricted my account and said they were making sure it wasn’t fraudulent payments what a joke I used the same card that I made the first payment with. When I called customer service gives me the runaround and tells me to submit my Bank statements showing the payments even though it said processed in my first access app. I sent them the March statement and the April transaction history and was told I needed to wait a month before they can unrestrict my account because they needed a statement for April news flash we are still in the month of April. In short I closed my account and will find a better company. Thumbs down first access. **Developer response:** Sorry to hear you are having issues with your account and had to close the account. ### 1/5 — Scam *2026-03-09* Nothing but a scam paid payment fee sent card with wrong name now cant get card cause their system said it was fraud after affecting my credit score and waited on refund for 2 weeks just to be told it will be another 3 weeks before refund be processed again. I will go to a loan shark before using this company. Avoid at all cost. **Developer response:** First Access Card is a reliable credit card and company. Sorry to hear you had a bad experience but for security we want to ensure all payments and cards are handled correctly. ### 1/5 — App Sucks *2026-02-23* App crashed conveniently in the middle of processing a payment!!! Better not be deducted twice from my bank account… If I do I am closing this small card **Developer response:** Please review your statement and account to ensure there were no issues with the payment. If there were contact our Customer Service team so we can assist. ### 1/5 — Janky App *2026-01-30* The app only works when it wants to. Waiting on a code every single time to log in is annoying. Even after getting the code it takes you back to the code screen. You really need to update it and fix it. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — Error *2026-01-25* So I have the card and can login online but when I try to login on the app I get an error saying that my username or password is incorrect and I have changed my password 3 times now trying to fix this **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — Worst app ever *2025-09-06* I have to redo my password every time I try to login. It Dosent even stay consistant with the biometrics. Worst app ever. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — Horrible *2025-07-19* The card itself is fine, but the app is total trash. Doesn’t work most of the time, then when it does it’s slow. And when you make your monthly payment it will lock you out of the app once you’ve paid. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — App *2025-06-11* Absolutely junk! Been trying to access the app and my account for two weeks. Says I can’t send an access code at this time. How am I supposed to log on and pay my bill!! Do better First Access! Pick a better app creator! **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 1/5 — Log in *2025-03-28* Really hate this app like why do you have to keep logging in after you already logged in set it facial recognition only to have it not work again and have to do the process over and over and over and over again. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ## Most praised reviews (7 highest-rated) ### 5/5 — It’s about time y’all have an app! *2022-09-01, version 1.0.2* It’s about time y’all have an app! Thanks for advancing in technology 9-1-2022 ### 4/5 — One time card declined *2023-09-19* I like that the app the card has a new / old look reminds me of my old national city bank debit card back when I was 18 whichever I like I think the card declined only when using those phone payments method the small business be using other than that it’s cool yeah apr is high but I see the reason better than a secured credit card **Developer response:** Thank you for your review and for being a First Access Customer. ### 4/5 — I Just download the app *2022-09-01, version 1.0.2* I’m glad they decided to create a mobile app, because I really didn’t like the myccpay.com. So far, this app allows you to do more than the myccpay.com online log in. It seems the app does fast updates on transactions. The app is good so far. ### 2/5 — What is wrong *2026-07-26* My online account is telling me I’m not a member and I have been doing business for 3 years **Developer response:** Please contact our Customer Service department and we will be happy to review the issue with you. ### 2/5 — Card & App *2026-01-02* I was happy I got approved .. Thank you. The app is HORRIBLE! It’s so slow and it’s basic as heck. None of the features work on there. Cmon First Access Card it’s 2026… update why don’t you? Also I was approved for $800 but when i received my card.. that’s not what was on the paper? Not happy. **Developer response:** Sorry to hear you had issues with the app. If it continues please contact our Customer Service department and we will be happy to review. ### 2/5 — No Apple Pay *2025-10-13* I signed up for them because of an emergency. Unfortunately, unlike everyone else. They don’t have a Virtual Card that you can use before the physical card arrives. They took the $90 activation fee out of me. But I don’t think I can do business anymore. That’s really disappointing that they can’t give an immediate temporary or permanent Virtual Card immediately after signing up with them. I rated it 2 stars because it’s great I got an Approval. But, the lack of a virtual card immediately after signing up so I don’t have to wait for the Physical Card is really disappointing. If you’re in a pinch and need money or credit like “tomorrow”, you cannot use First Access because they won’t be able to help you in time. **Developer response:** Sorry to hear you are not happy with your account. We do not offer virtual cards but once you are approved your credit card will be received within 10 - 14 days. If you have any questions please contact our Customer Service department. ### 2/5 — New app *2025-05-19* I don’t like the new app. It asks if you want to use email or different phone numbers for verification. After I punch in how I want my code it won’t do anything else. I tried restarting my phone and that didn’t work. It just seemed to freeze up. It was updated on 5-19. **Developer response:** Sorry to hear you are having issues with the one time passcode option. If possible, please take a screenshot of the error to assist with further investigation. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*