Having been a member since 2001, I was unaware of APR concerns while focusing on my education after graduation in 2002. I haven’t used this card since 2011, only managing to make minimum payments while facing a 29.99% APR. Despite my credit improving over the years, I never received any updates or promotions. I eventually managed to transfer balances to escape a $12,000 debt. Exercise caution with this banking institution.
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1st Financial Bank USA is committed to providing quality community banking services, and credit card and other financial services to college students and college graduates throughout the USA.