1st Financial Bank USA
Client Reviews on 1st Financial Bank USA
Feedback:
After 14 years as a cardmember, I just called and was forced to close my account. I was told that this year I cannot call and waive the stupid annual fee of $55 that they have been trying to add over the last 5ish years. The customer service lady said the only way to waive the fee was to close the account. Well OK then, that's what I did! BYEEEE!! Horrible company. I guess they don't want people to have credit cards with them.
Feedback:
I feel like many people simply do not understand what this company is about. It's for new 18 year old individuals who want to start up credit. They accept those with zero credit history and start off with low limits that increase over time. This company is perfect for building and starting credit. As long as you're not reckless and never pay late or go over your limit, you will build strong credit. My score is 750 and I've had the card for only one year. It's a great starter card, seriously if you don't want them anymore just terminate and use your score that you built from them to apply for another card. This is a starter card, if you want to keep them go ahead.
Feedback:
I had this card for over 14 years (got it right out of HS) then the last year out of nowhere they tried to charge me an annual $55 card fee. Mind you the interest rate is 30% so I really never used it. They tried to use the fact that this was my longest credit card and terminating the account would hurt my credit score to make me pay. The customer service representative could care less I was terminating the card which says a lot about how they view their card holders.
Feedback:
As with many of the other reviews on here - they are simply a company preying on people who need to build credit. I got this card when I was in high school as my first credit card. They had "0 interest" on any balance under 200 bucks which was perfect for me. Now that I am nearly 30 years old with excellent credit, they charge me 55 bucks a year for a card with 30% interest and no benefits. Look for another way to build your credit - I will be canceling!
Feedback:
This company is for people to establish credit, it's geared towards College freshman who has no credit. They accepted my son 3 years ago when no one else did, started with $300, I use the card to buy grocery and then pay it off every 2 weeks. After 6 months, my son's credit was increased to $500, I told my son to use it for emergency only while I work on his credit history. 1 year past, increased to $1000, 18 months, $2000, 24 months $4000, 30 months $5000. Even though he has this credit limit, we only use it for grocery only and pay it off. We then applied for Discover and Capital One, both was accepted, Discover $1500 and Capital One $2500. His credit started with nothing and now at 710. We will not use 1st Financial card since the interest is so high compared to Discover and Capital, but he will have it as an emergency card just in case, will use it for gas and pay it off. People are mad at this company because they misuse the card or does not understand the purpose of the card. It's credit creating type card, they are not going to lower your interest rate, they will however increase your limit and that in turn will increase your score. Use it wisely then when your score goes up, apply for better interest rated cards and keep 1st Financial as an emergency card.
Feedback:
This was horrible!!! Was offered a house loan through them called them and then was told sorry we cant even get you the best, then hit my credit three more times over the next three weeks dropping my score 17 points and having to deal with life lock now to fix it! And now are stating they never offered me anything. SHADY!!!!!!!!!!
Feedback:
A trash company that takes advantage of people.
Feedback:
Absolutely a trash company. Please don't ever open an account with these loan sharks. Horrible people who should be ashamed of how they operate. If you believe in heaven, these people will go to hell. I've been a customer for 4 years and paid off my card twice and they never changed my interest rate. They can't even give you autopay...
Feedback:
I work there.
Feedback:
After 15 years of being a cardholder I just cancelled my card after being told they’re not waving the $55 annual fee they’ve tried to add the last few years. They’re trying to take advantage of people who’ve had the card for a long time and don’t want to loose the credit history. Don’t fall for it and pay their fees! One credit card won’t effect your score. AVOID this company!!
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