First Bank® Visa® Platinum Card
Choose the convenience and flexibility of the Visa Platinum Card â‚¬â€ a perfect accompaniment to your checking account in managing your finances.
- No annual fee
- Flexible purchasing power
- Convenience of a credit card
- Simplicity of a traditional card
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
|Good Credit||Personal||$40*||0.00% for 6 Billing Cycles||0.00% for 6 Billing Cycles||7.99%* - 20.99%*||None|
This Visa offer is issued by Elan Financial Services . This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 7.99%* and may be as high as 20.99%* (Variable)*, depending on your credit worthiness*.
There is a balance transfer offer APR of 0.00% for 6 Billing Cycles*. There is also a purchase introductory APR of 0.00% for 6 Billing Cycles*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
There is an annual fee of $40** for this card.
This is not a rewards card.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 695 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Elan Financial Services product.
The grace period listed for the First Bank® Visa® Platinum Card is at least 20 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 695, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Based on community reviews, we found that 50% of 2 users recommend this card.