First Bankcard Reviews
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First Bankcard Customer Reviews
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Not a good card to have
Make up your mind.
I had been with these guys for years. Then out of the blue I get an email saying my card was being cancelled for inactivity. Then I get a letter in the mail saying that they were cancelling my card because I had too many Credit Inquiries in a month (in the process of buying a home). I have never missed a payment and have a good Credit Score.
I'm very disappointed in this bank.
Three months ago I was approved for their Ford Card. I was given a $7000 limit. I made only on time payments even paying more then the minimum due. Three months later I receive a email stating they have lowered my credit limit due to my credit report.
Mind you my credit report had not changed from the time I was approved by them, other then I did a interest rate reduction on my mortgage. With them doing this they have now got my credit scores reduced, and has put a black mark on my credit report.
So now they have hurt my credit report at no fault of mine they refuse to work with me or reverse their decision. Customer beware!
Rude, horrible people
These people are just horrible.
Avoid, never do business with them.
When I asked them why they were being so difficult, the person on the phone said, “well ya know, Covid....”. Unbelievable to use that as a lame excuse for their behavior.
I have a family member with covid, didn’t appreciate it, hung up, cancelled card, will never do business with them again.
This is not the card you are looking for..
I've had this card for about 3 years. I missed 1 payment..they lowered my total available limit and my cash barrow limit. I then made a large payment to put my balance back under the 30% of my total (helps your credit score) two months later they lower it again to put me back of 30%....I just paied it off! Terible company.. They seam to want to keep your credit score low plus good luck being able to use your points. The smallest thing to purchase is 5k points. I've put over 2k on the card and was still 2500k short on points for even a $5 gift card.
DO NOT USE THIS COMPANY!!!!
So many security issus
Ever since getting a credit card with First Bankcard (through a store) our credit card info and name has been stolen way too many times.
They need to tighten their security big time and get better or more people to watch for fraudulent activity. I only shop on reputable sights and stores so I know its not them.
froze my account
Choose another card
Don't Use This Bank!
The more I pay on my credit card the higher the payments go up! It goes up every single month. I've never had a bank do this to me.
If you have a credit card from them cut it up!
I am an new customer to First Bankcard. I received an offer letter in the mail after purchasing my Jeep in January of 2017. As with a previous reviewer stated new card, zero interest for the first 12 months. I thought it was a great opportunity. I received my card the sometime late March early April.
I started to received several calls from the Fraud Dept. on August 1st regarding some charges to my card. I received several calls to my cell phone and work and after that it prompted me to listen to my voicemail and check my account online. I immediately noticed there were charges made from MD. Well it looks like my card was compromised by this point there was already 3 charges. When I spoke with the Fraud Dept. they NEVER MENTIONED that there were a total of 8-9 charges. They knew it wasn't me and as stated by their CSR * WE KNOW YOU DIDN'T TELEPORT YOURSELF TO MD*. I was never told of how many charges in total, I was never told of any of their processes or procedures. Each day looking at my account to re-assure myself that all the fraudulent charges were reversed. Well that didn't happen, more came. After 3 days on the phone with various CSR's I was done! I have an account that is compromised, a credit card I can't use because these jerks maxed out my credit card. And it takes these folks anywhere up to 2-9 weeks to clear up the fraudulent charges.
All and all this experience with First Bankcard has left a bad taste in my mouth. A new customer shouldn't have to go through this!
I will never do business with these folks again!! I only had my credit card for about 3-4 months.
Customer service works against their customers!
I just sent them this letter.... It says it all...
You people amaze me. I received a letter stating my credit line was decreased from $8,000 to $1,000 because I used my card too much recently. Well Einsteins... First, you solicited ME to get the card last year. Second, I began using it on 12/2 and used it thru December for Xmas shopping. Third, I paid it off at the beginning of January. What u saw on my credit report was a bill consolidation loan and balances on the existing cards hadn't cleared yet. My credit score is over 700. I'm not a risk.
Who gets their credit limit decreased for using it to Xmas shop? I paid it in full in January. Over $4,700. They solicited me through overstocked.com last year. I took it because I was mega-purchasing gifts and I got a discount. I paid that balance off immediately as well They can keep their card. And their zero balance. I opt to use another competitors credit card for convenience during the holidays.
Same thing happened to me, except I use, and payoff, my card every month ($53,000 in 4 years). They say I had too many inquiries as well, but all were for a truck I bought.