How to Get Approved for the First Digital NextGen Credit Card: A Complete Step-by-Step Guide

Understand the approval criteria, boost your chances, and follow our complete application walkthrough to secure the First Digital NextGen Credit Card with confidence.

While the First Digital NextGen Credit Card is tailored for individuals with limited or damaged credit, not every applicant is automatically approved. Understanding what factors the issuer considers — and how to improve your profile — can increase your odds dramatically.

Eligibility Criteria and Approval Tips

To qualify, you generally need to meet these conditions:

• Be at least 18 years old (or 21 in some states)
• Have a valid Social Security number
• Possess a verifiable source of income
• Maintain a checking account in your name
• Have a functional email and phone number

Although a poor credit score won’t automatically disqualify you, the bank will still evaluate your ability to repay based on your income and debt obligations. Here are a few tips to boost your approval chances:

• Keep your monthly obligations (rent, loans, bills) low compared to your income
• Avoid recent charge-offs or bankruptcy within the past 12 months
• Make sure your bank account shows consistent activity with no overdraft issues
• Double-check your credit report for errors before applying

How to Apply – Step-by-Step

Applying for the First Digital NextGen Credit Card is entirely online and takes only a few minutes. Follow these steps:

1. Visit the Official Website
   Go to the First Digital Card website or the CardClimb offer page and locate the “Apply Now” button.
2. Fill Out the Application Form
   Enter your personal information: name, address, phone, Social Security number, date of birth, and financial details (income, employer, rent or mortgage amount).
3. Verify Your Identity
   You may be asked to confirm your identity via phone, email, or additional documentation like a pay stub or utility bill.
4. Submit and Wait for Decision
   Most applicants receive a decision in seconds. If further review is needed, you may be contacted within 24–48 hours.
5. Accept the Offer
   If approved, review the card’s terms (APR, fees, credit limit), accept the offer, and wait for the card to arrive in the mail — typically within 7–10 business days.

Frequently Asked Questions (FAQ)

1. What credit score do I need to get approved?
There’s no strict score requirement, but this card targets applicants with scores below 600, including those with no credit history.

2. Is there a security deposit?
No. The First Digital NextGen Credit Card is an unsecured product, which means you don’t need to put down a deposit.

3. Does this card help build credit?
Yes. It reports monthly to all three major credit bureaus (Experian, Equifax, and TransUnion).

4. How much is the annual fee?
The annual fee is $75 for the first year, then $48 annually thereafter.

5. Can I upgrade this card later?
No upgrade options are currently offered. This card is intended as a stepping stone to better products once your credit improves.

6. What is the credit limit?
Most initial limits range from $300 to $500, depending on your income and financial profile.

7. Are there hidden fees?
While there are no hidden charges, make sure to review the fee schedule, including possible monthly maintenance fees and late payment penalties.

Conclusion: A Strategic Credit-Building Tool

The First Digital NextGen Credit Card isn’t trying to compete with high-reward cards — it’s offering something far more valuable to the right user: a second chance. If your credit history has held you back or you’re just beginning your journey, this card allows you to demonstrate responsibility, access revolving credit, and lay the foundation for future financial success.

Its fast approval process, reporting benefits, and zero security deposit make it ideal for anyone who needs credit access without upfront costs. Use it wisely, keep balances low, and pay on time — and within months, you’ll be on your way to stronger credit.

Ready to start your credit journey? Click below to apply and take your first step toward financial freedom.