FirstBank offers you competitive and flexible credit cards. First, you need to assess your needs to decide which is the best option for you. Then you need to compare your options to develop the financing plan that best adapts to your lifestyle and needs.

When selecting a credit card:

• Decide how you will utilize the card and what you would buy with it.
• Establish reasonable credit limits for yourself, i.e. a credit card with a limit of $50,000 is not practical for total purchases of $50 per month.
• Make sure that you understand the conditions of the plan before accepting the credit card.
• Take into account introductory interest rates. Interest rates may vary according to different types of offers.
• Make sure that you understand fixed vs. variable rates.
• Start small. Do not charge too much on your credit card until you feel comfortable with the monthly payments.
• Control the use of your credit card.
• Pay your bills on time to avoid late fees. Delinquency can affect your credit.
• Protect your account and credit card numbers to avoid unauthorized use.
• Save your account numbers, expiration date and telephone numbers of the issuer in a secure place to immediately report a stolen or lost card.
• Try to pay off the total amount charged on the card monthly.
• If you cannot pay off the total amount, then try to pay more than just the minimum monthly fee.
• Review your account statement carefully to determine if there any errors or unauthorized charges.
• When you make purchases through the Internet, make sure that the site is legitimate (that it has an authentication system).
• If you receive an unsolicited telephone call, avoid giving your credit card number over the phone.