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licensed

OptimFic is licensed by the Missouri Division of Finance.

 
bonded

While the State of Missouri no longer requires bonding of credit services organizations like OptimFic, for the protection of our clients OptimFic is bonded.

 

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need new credit?

As a service to our clients that need better credit terms or to establish or re-establish credit we have made available through our partnership with Credit.com several credit card opportunities.

Once you have found the card that best suits your needs you can securely apply online.

Having a good mix of credit and properly utilizing it is vital to optimizing your credit score. We will be happy to consult with you regarding the proper utilization of the credit available to you through these offers.

We offer a mix of credit cards in a number of different categories including business, low APR, cash rebate, reward, secured, bad credit, no annual fee, guaranteed approval, prepaid, and more.

OptimFic recommends you always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart. Click on the card for complete details of the offer.

The Pulaski Bank cards are for clients with very good to excellent credit. The Orchard Bank cards are for clients with very bad, poor, fair, and good credit. The American Express cards are generally for clients with very good to excellent credit.

 

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