Visa Credit Card FAQs


Do you have introductory rates? How does that work?

We offer some of the lowest rates available. Your rate is based in part on your credit score and with the Visa Signature Rewards and Premier Rate credit card, can be as low as 3.99% for 12 months on balance transfers. After this promotional period ends your standard APR will apply to all new purchases and balance transfers and all unpaid balances.

Where can I call to make a credit card payment?

You can make a credit card payment any time by making a transfer through your 1st Financial online banking account, signing up for Bill Pay, or by calling us at (636) 916-8300 during normal business hours.

How long does it take to get a credit card in the mail?

Once the application is accepted, it typically takes 7-10 days to receive your new credit card in the mail.

Can I use my 1st Financial credit card(s) with Apple Pay™?

Yes. You can absolutely make payments using your Apple iPhone and any 1st Financial credit card. With a simple touch of the screen, your payment can instantly be made. We also offer Google Pay, Samsung Pay, and Visa Checkout.

What are the benefits of having a 1st Financial credit card?

As a valued credit union member, having a 1st Financial Visa credit card makes smart financial sense. Our Visa credit card options give you the purchasing power you deserve while saving you money over higher interest rate cards with every statement. We offer a great interest rate and local service as well! See all our Visa credit card enrollment benefits.

There are charges on my credit card I don’t recognize. What do I do?

You can call the number on the back of your credit card at your earliest convenience or you can also go through online banking and within the VISA tab, you can dispute a transaction.

How do I report a lost or stolen debit card or credit card?

If your card is lost or stolen, please call us at (866)820-8835 for Debit cards and (800)449-7728 for Credit cards as quickly as possible.

What fees do you charge on your credit cards?

Unlike other credit cards, the only fees we charge are for a late payment, which is up to $18, a returned payment fee of up to $27, and a cash advance fee of 2%.

Can I transfer balances from my other credit cards?

Absolutely. We make it easy to transfer balances from your other credit cards (national or store cards) and save you money with a lower interest rate. Even better, 1st Financial doesn’t charge a fee to transfer balances.

How can I increase my card limit?

Please contact a 1st Financial representative at (636) 916-8300 or by clicking here to discuss increasing your credit card limit.

How do I make the most of my rewards?

By choosing the Signature Rewards Visa credit card, you’ll earn bonus points for every dollar you spend on the card. Rewards bonus points can be redeemed for valuable merchandise, travel, and more. Visit to learn more!

More Questions?

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