1st Financial Bank Student Credit Card: The Ultimate Guide for 2023

As a student, managing your finances can be a daunting task. Bills piling up, textbooks to buy, and social events to attend can quickly drain your bank account. That's where a student credit card comes in handy. 1st Financial Bank offers an array of student credit cards tailored specifically to the needs of students like you.

In this comprehensive guide, we'll delve into everything you need to know about 1st Financial Bank's Student Credit Cards, from their features and benefits to their eligibility criteria and rewards programs. We'll also provide valuable tips and tricks to help you make the most of your student credit card experience.

Get ready to unlock the financial freedom you deserve with 1st Financial Bank's Student Credit Cards!

Benefits and Features of 1st Financial Bank Student Credit Cards

1st Financial Bank's Student Credit Cards are packed with features and benefits designed to empower students like you. Here's a closer look:

• Low Introductory APR: Enjoy a low introductory APR on purchases and balance transfers, giving you more time to pay down your debt without incurring excessive interest charges.
• No Annual Fee: Say goodbye to annual fees that eat into your hard-earned money. With 1st Financial Bank's Student Credit Cards, you'll keep more of what you earn.
• Rewards Program: Earn rewards points on every dollar you spend, which can be redeemed for cash back, travel, merchandise, and more.
• Student-Friendly Perks: Access exclusive student discounts and offers on entertainment, dining, and shopping, helping you save money while you enjoy your college experience.

Eligibility Criteria

To qualify for a 1st Financial Bank Student Credit Card, you'll need to meet the following eligibility criteria:

• Be at least 18 years of age
• Be enrolled in an accredited college or university
• Have a valid Social Security number
• Provide proof of income or financial support

Rewards Programs

1st Financial Bank offers a variety of rewards programs tailored to the spending habits of students. Choose the program that best suits your lifestyle and start earning valuable rewards:

• Cash Back Rewards: Get cash back on every dollar you spend. Redeem your cash back for statement credits, gift cards, or direct deposits into your account.
• Travel Rewards: Accumulate points towards free flights, hotel stays, and rental cars. Explore the world without breaking the bank!
• Merchandise Rewards: Redeem your points for a wide range of merchandise, from electronics to clothing to home goods. Treat yourself to something special!

Tips and Tricks

• Pay Your Balance on Time: Avoid late payment fees and damage to your credit score by paying your balance in full by the due date each month.
• Keep Your Credit Utilization Low: Aim to keep your credit utilization below 30% of your credit limit. High credit utilization can negatively impact your credit score.
• Take Advantage of Student Discounts: Use your student credit card to take advantage of exclusive student discounts on entertainment, dining, and shopping.
• Monitor Your Credit Report: Regularly check your credit report to ensure accuracy and identify any potential errors or fraudulent activity.

How to Apply

Applying for a 1st Financial Bank Student Credit Card is a quick and easy process. Follow these steps:

• Gather Required Documents: Have your Social Security number, proof of income or financial support, and student ID ready.
• Visit the Website: Go to 1st Financial Bank's website and click on the "Student Credit Cards" tab.
• Choose a Card: Explore the different student credit card options and select the one that best meets your needs.
• Start Application: Click on the "Apply Now" button and follow the on-screen instructions.
• Submit Application: Review the terms and conditions carefully, then submit your application.

Frequently Asked Questions

• What is the minimum credit score required to qualify for a 1st Financial Bank Student Credit Card?

A minimum credit score of 640 is generally required, but individual creditworthiness will be assessed on a case-by-case basis.

• Can international students apply for a 1st Financial Bank Student Credit Card?

Unfortunately, 1st Financial Bank Student Credit Cards are only available to U.S. citizens or permanent residents.

• Is there a foreign transaction fee for using my 1st Financial Bank Student Credit Card abroad?

Yes, a 3% foreign transaction fee may apply to purchases made outside the U.S.

• How do I redeem my rewards points?

You can redeem your rewards points by logging into your online account or calling 1st Financial Bank's customer service line.

Tables

Table 1: 1st Financial Bank Student Credit Card Features

Table 2: Eligibility Criteria

Table 3: Rewards Programs

Table 4: Frequently Asked Questions