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I was about to tell everyone the horrible experience I've had and I am still having with this card. But everyone here is pretty much aware of the problems Financial Bank can bring. I guess because I got this card when I was young I felt $150 couldn't hurt much but Financial Bank quickly increased my credit and so things got out of control from there. I get charged $1.50 every month and because of fine print every time I made an online payment to Financial Bank they charge me $9.00. So, in reality the complete payment the were receiving was of about $2.00. They're finance charge was of $47.00. The confusing part is that if my minimum payment was $65.00 and I paid them more then the next month my minimum payment would increase to $66.00. Anyway right now Financial Bank is giving me hell. Chase was going to transfer the balance but financial bank returned the check and charged me $37.00 for returning the check. They said chase didn't have the funds to pay them which is such a joke because why would a bank not have 2,000? lol Anyway, from this whole experience if you stuck to the story please don't do any business with 1st Financial Bank. I mean everyone here is pretty smart I wish at the time I would have been smart about credit cards too.
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