- Credit Cards
- Contact Us
- Returning Customers
The ideal card for your unique credit profile and buying habits gets you further ahead.
If you have good credit, bad credit or even no credit there are plenty of custom solutions for you. Mass-mailed credit card offers go to the “average” consumer. Are you “average?” An ideal card exists for your unique credit profile and buying habits.
Carefully selecting credit cards that match your credit score and spending habits can help you:
Beyond credit bureau reporting, credit card benefits can include up to 1% to 5% cash back on gas stations, restaurants, airline tickets, hotels, and wallet purchases.
Excellent 750+ Those with excellent credit scores, pay every bill on time and carry only 30% or less of the credit limit over from month to month on each card.
Good 700 – 749 While these consumers carry a bit more debt over from month to month, they pay their bills reliably. Creditors consider them a safe risk and offer the most cash back, travel miles and hotel points.
Fair 640 – 699 Many Americans fall into the fair credit category due to a missed payment or two or a higher than 30% credit usage. Still, diligent payment on a fair credit credit card gets these consumers back to good or excellent credit within a few months.
Poor 580- 639 Despite the daunting term “poor credit,” card issuers still have over 1,000 offers for those in this category. The rewards will not be as robust, and some cards come with annual fees.
Bad Credit 300 – 579 Pandemics, unemployment, unexpected medical or auto repair bills have torpedoed many American’s credit scores. You can still get a credit card, but issuers insist you give them the money (often $200 to start) that you draw from. In a few months, when you move to the poor credit category, you no longer need to put up your own money to “borrow.”
No Annual Fee Cards Standard for those with fair, good, and excellent credit.
Merchandise Cards These card issuers work with major brands to ensure even consumers with bad or poor credit can still get the items they need.
Secured Cards Bad credit borrowers get back into the credit system by putting up their own money to “borrow” before using the card issuer’s money.
Student Credit Cards Those with no credit history begin building a track record of their ability to pay their bills reliably with student credit cards.
No Credit or Limited Credit Varies – Students and others who haven’t used credit before should consider student cards. Card issuers competing to get these consumers early in their working lives offer benefits that Americans appreciate.
Consumers who pay off their credit cards monthly tend to choose cards with a higher interest rate and robust benefits like 5% cash back or travel miles. A zero balance invokes no interest charges. Those who keep a balance month after month on the other hand, save the most money by getting the lowest interest rate. Only those with excellent credit scores get both low interest rates and lots of rewards.
Since 1996, First Financial has sought the best credit card issuers with products that help borrowers build stable financial portfolios. Only card issuers with proven integrity and reliability meet the high standards First Financial sets for its partners. Twenty-five years specializing in credit cards for bad credit, poor, and fair credit borrowers has taught us that this group wants to pay their bills, and deserves the chance to prove their reliability.
All First Financial customers can count on our 256-bit “banking-level” security (the highest the U.S. Treasury Department allows) to keep their personal information and funds safe every step of the way. Finally, in addition getting customers the best value available from credit card issuers from across the United States, we provide attentive phone customer service representatives to answer all questions and concerns. We look forward to doing business with you!
More Questions? First Financial credit card specialists are happy to help!
First Financial® Corporate Headquarters: Mailing Address 4240 Kearny Mesa Rd STE 120 #1033 Kearny Mesa CA 92111
Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)
First Financial® is a Federally Registered Trademark
©2011-2021 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies.