1st
Financial Credit Card
1st Financial currently offers three credit card choices to customers, namely First Financial Visa Classic, First
Financial Mastercard Standard, and First Financial Visa Gold.
First Financial Visa Classic and Mastercard Standard cardholders can enjoy a number of perks and benefits
including, $25,000 auto rental insurance, zero cardholder liability, $300 baggage delay benefit, fraud protection
service, and $200,000 travel accident insurance. Users of these two First Financial credit cards
have a grace period of 25 days for payments of balance purchases. In occasions where users of these two credit
cards exceed their assigned credit limit, First Financial will charge them $20. Meanwhile, penalty for late
payments is $20 for both credit cards. These cards also carry an annual fee of $15 which will be waived if the
cards are used at least twice a year. Users for both cards can also make cash advances that carry a fee of 2% of
the total amount of advance with a cap of $10.
First Financial’s Visa Gold offer a number of benefits and privileges to users such as $500,00 travel accident
insurance, extended warranty protection, zero cardholder liability, $300 baggage delay benefit, $25,000 auto rental
insurance, points for each dollar spent for purchases, $500,000 travel accident insurance, fraud protection
service, travel and emergency assistance. This First Financial credit card carries an annual fee of $15 which can
be waived if a card is used at least twice in a year. You can also use this 1st Financial credit card for purchases
overseas. First Financial charges 1% of the total converted amount for international transactions made with this
1st Financial credit card. For late payments, cardholders will be charged a penalty fee of $17. Over the limit fee
for this 1st Financial credit card is pegged at $20. Cardholders also have a grace period of 25 days to pay for
their balance purchases. For cash advances, cardholders pay a fee of 2% of the total amount of their
advance.
First Financial have a dedicated customer service hotline for all their non-premium credit cardholders. On the
other hand, customer support is available to First Financial premium credit card holders 24 hours a day, seven days
a week. Payments for all 1st Financial credit cards can be processed either at any First Banking Center or
online.
Source: Credit Cards For People With Bad Credit Rating
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