There are actually several banks that go by the name of First Financial Bank. However, the First Financial Bank Visa Platinum line of credit cards is offered by a financial institution that is based out of Ohio. The First Financial Bank in question has been handling consumer bank accounts and offering related banking services for well over a century. A credit card application is not currently available online.
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Rutgers University offers helpful information to consumers who want to avoid having their credit cards compromised. Cardholder will pay different interest rates depending on the nature of the charges made. Consumers with a relationship with the First Financial Bank can apply in person or through the mail.
First Financial Bank Visa Platinum Benefits
Because the First Financial Bank is a relatively small financial institution, consumers with flawed credit ratings have an increased chance of being approved. While your initial credit card limits may be low, it will be difficult for you to get increases if you make timely payments.
First Financial Bank Visa Platinum personal credit cards do not have an associated rewards program. Approved applicants will be able to request an additional credit card for a spouse or other relative. A full yearly statement account detailing all financial activity is available upon request.
First Financial Bank Visa Platinum Details
First Financial Bank Visa Platinum cardholders pay 9.99% interest on a regular credit card purchase. Cash advances are calculated at 21.99% APR. It does not appear that a balance transfer option is available. Both late payment and returned payment charges cost account holders $35 for each instance. The fee for using a First Financial Bank Visa Platinum credit card outside of the United States is 3%.
At a minimum, each cash advance made on the First Financial Bank Visa Platinum credit card will cost $5. Cardholders can pay as much as 3% on the total amount of their cash advances. First Financial Bank Visa Platinum credit cardholders are not responsible for paying an annual fee.
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