^†First Phase reports payment history to three major credit bureaus so it can help build your credit if used responsibly. Building credit is accomplished by keeping your balance low and paying all your bills on time every month. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and may impact your ability to build credit. First Phase begins credit reporting following your first purchase or cash advance using your card.

^‡Visa Zero Liability policy does not apply to transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Phase immediately of any unauthorized use.

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