Customer ReviewsforFirst Bank & Trust

If you are thinking of applying to this card, don't. I had brain surgery in 3/2023 and while in PT, my company of 13 years laid me off. I was the primary income earner and it got extremely hard to pay bills, so I was trying to stay ahead of the game and call to let them know. They put me on a "payment plan", but failed to tell me they would mark me late every month thereafter even though I was paying my payment on time. So, I was paying the payment they told me to pay and unbeknownst to me, they were marking my payments late anyway, I am not sure what the point of that was. Once we got back on track, I called to make a 2k payment and find out why I was marked as late and they tried saying I didn't pay some kind of fee to be put on the payment plan. I didn't even know there was one. Then they wouldn't allow me to make a payment because they stated I was on a payment plan and would not be removed from said payment plan until I paid the entire balance off (5k). So, I had to pay off 5k to be removed from a payment plan that was supposedly created to help me in my time of need. I never signed a contract and I paid all of my monthly payment plan on time. and now have 4 lates on my credit report. Stay away from this company.

Lyndon, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust

Extremely disappointed in this company. I started with a $3,500.00 credit limit and I have never missed a payment or paid late and I always paid the full balance. I had an identity theft which was reported to the police and credit bureaus as it dropped my score by 28 points. I received my monthly statement via email which showed my credit limit at $3,500 and the next day they dropped my limit to $1,050 without notifying me because of my credit score dropping (still a good score even with the drop). The only reason I noticed the limit decrease was because I went into the app to make a payment. It is obvious they don't look at the persons history with them, nor do they value your relationship as a good paying customer of theirs. I explained what happened and they still did nothing after being with them for 2 years. All my other credit card companies understood and didn't penalize me for the acts of a criminal stealing my identity. I definitely would not recommend this company to my worst enemy! I never would have thought I would be penalized for paying my balance in full and on time every month for 2 years! Won't be using their $1050.00 limit, as all my business will now go to my other credit companies.

Kathleen, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust

Before you think about applying for a card with First Bank & Trust, DON'T. I received a letter today, March 22, 2024 that is dated February 23, 2024, informing me they, FB&T had closed my credit card account due to inactivity. It states that my account was closed as of the date of the letter, an entire month ago. I called FB&T to find out why, and was informed "FB&T HAS AUTHORITY TO CLOSE ANY ACCOUNT FOR ANY REASON." Since I hasn't used my card in the first 90 days, they deemed it necessary to close my account. I asked why I wasn't notified prior to the closure, was informed that it is not policy to inquire about the card usage. I was told I was not the ONLY account that was closed, there were hundreds of accounts closed, all receiving the same letter dated 02/23/2024. It's not their responsibility as to how long it takes the USPS to deliver the letter. FB&T DOES NOT CARE if you wanted to save the card for any emergency (family or otherwise) just that YOU use the card so you can OWE FB&T. They don't want the card saved for emergency purposes, even though A LOT of people wouldn't be able to get to a loved one in an emergency, without having saved that card for exactly that purpose. Their customer care representatives don't care why you haven't used it, they only care that we received a notice of closure of the account.. they DO NOT OFFER any solutions or other services that would be beneficial. FB&T is only concerned that you OWE them, not what they can do to make life easier. To say you MUST put a charge on their card within the first 90 days is ridiculous.. the representative could not tell me if it was 90 days from the day they sent the card or you activated it.. their customer care is severely lacking on THE SIDE OF THE CUSTOMER. And in order to process this review, I MUST select a star rating, however they don't deserve the 1 star that is mandatory

Billie, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust

This bank recently purchased my CC that was held with Sallie M** which I never had any problems with. A perk of the ignite card is to use rewards to pay down student load debt when the account is linked to the CC. I have not been able to redeem these rewards since this company took over at the end of November 2023. I have reached out by calling, email and even wrote a letter. I get the same answer. They are looking into the issue. I am losing out on additional rewards because the information is not in the app for me link the accounts to redeem. The only solution is that I can get a statement credit and lose the additional rewards to pay down the student loan. I don't know if others are having the same issue or if it is isolated.

Laura, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust

First Bank & Trust is listed on the back of my Mercury Visa credit card as it's issuer. I received my card in November of 2023 with an available balance of $2500.00. I have not used the card because It was too be used for important or emergency occurrences only. Today, while trying to pay my tax preparer, my card was declined for $260.00. How could this be? I was finally able to reach a live representative on the phone & was informed that "my account was closed due to inactivity within a 12 month period" Well, first of all, it hasn't been 12 months since the account was opened, it's only been 3! After placing me on a 10 minute hold, the representative told me that they "reserved the right to close inactive accounts" and closed mine on 2/23/2024.... That's not 12 months...How can they give you credit then take it away because you don't use it up?!....Who wants to mess up their credit score, pay high ass interest, and be charged fees, if not needed?! Not me that's for sure. I made a second call after I wasn't able to delete my personal information from the account online and was told it would take 7-10 business days to remove it. WOW!! I bet it didn't take that long to close the account! I would absolutely advise others to steer clear of companies like them....

Charlotte, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust

This bank recently purchased my CC that was held with Sallie M** which I never had any problems with. I've only had my new 'Ignite Card+' through this bank for approx. 2 months. I pay most if not all of my CC balances off every 2 weeks. I noticed yesterday that I was hit with .50 interest charge. This last billing cycle I applied my rewards amount toward my bill, had a couple of refunds and paid the remaining balance on 1/2/24 (the due date wasn't until 1/19/24). Their app showed me having a zero balance for approx. 2 weeks until I made my next purchase on 1/20/24, so I was surprised to see an interest charge. I called them immediately to find out why. I was told it was a minimum interest charge. As he further reviewed my account and saw my payment, he suspected it may be an error due to the recent changeover and forwarded my complaint for review. I was contacted tonight 1/25/24 and was told that it was correct. They don't apply refunds or rewards to the account until the following billing cycle! I asked to speak to a supervisor. The supervisor advised the same thing. I told him that makes no sense because I would then have a credit on my account!!! I am glad I learned this lesson with only $40 in question and not $4,000! He advised that it was in their cardholder agreement - it was my understanding that nothing nothing was changing. I told him I NEVER had this issue with Sallie M** Bank before they took it over and that I have never had this issue with ANY of my other CC companies!! This will be the last .50 they get from me!

Annie M*****, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust

Premier Card Finance Program is a joke of a credit card. Inherited this card from **** and have regretted not getting a different card with a real company. Customer service hangs up most of the time if you reach them. They claim to not receive payments that are sent in time through my online banking. This is the only credit card company I've ever had trouble with. They've already squeezed extra money out of me through "late" fees plus interest because they claim they didn't receive payment. DO NOT USE THIS ********* CARD!

Alana ********, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We've noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. - First Bank & Trust

Transferred from ****. Fraudulent charges on the card almost immediately. I have spent the last 3 months trying to get the charges reversed. Calls from collections, explain my circumstances, transferred to security, wait over 45 minutes each time. To this day I have no resolution. Pretty crummy since I never even activated the card. May I suggest that if your security department is that busy everyday maybe take a look at how easy it seems to be to make fraudulent charges on one of their cards. Maybe revisit your security practices and tighten up security.

Tammy *******, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We've noted your feedback and will share with the appropriate team. We will contact you directly to resolve this issue. - First Bank & Trust

Everything will be fine until you have a problem with a charge. I have been disputing an unauthorized charge for nine months with no resolution. I haven't been presented any evidence in that time that the charge is valid-and the balance is once again showing that I owe it. They seem to have a strategy of making it as hard as possible to communicate by offering only mail and fax to communicate with their different deadlines. Also, customer service will make it as hard as possible as well to solve the issue by simply just hanging -up, with one day hanging-up on me 5 times. It's hard to believe there is any investigation at all regarding the unauthorized charge-they just want you to go away. I have had to file a complaint with the **** for help in dealing with this bank's credit card department in hopes of resolving this before I terminate the account. Do not use this bank

Michael ******, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We've noted your feedback and will share with the appropriate team. We will respond to your concerns directly. - First Bank & Trust