Getting your first Credit card

You'll need to submit an application to get started. Once approved, you'll receive a card in the mail, or you can choose to pick up your card at a branch. You can apply online, at a branch, or by calling our loan department at (863) 284-5626 or toll-free (855) 560-5626.

You'll need some basic details like your Social Security number, income, employment information and contact info.

Credit limits vary based on income and financial history. For first-time cardholders, limits are typically modest to help you build credit responsibly.

Paying off credit card debt is not an easy undertaking. Use our Credit Card Payoff Calculator to see how long it will take to say goodbye to this debt. 

Missing a payment can lead to late fees and impact your credit score. Setting up automatic payments or reminders can help you stay on track.

To report a lost or stolen credit card, please call (866) 820-3935, available 24 hours a day, 7 days a week.

If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 12.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue interest at the same rates.

To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.