If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate. Program rules are subject to change or cancellation without notice.See the Summary of Credit Terms link for each product listed above for important information on rates, fees, costs, conditions and limitations.
#FIRST BANKCARD FULL#
The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at. Other restrictions and requirements apply.
No statement credit will be applied, in whole or in part, against any monthly minimum payment due. Some exclusions apply to certain categories of transactions. You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Redemptions are also available for retail gift cards and certificates, donations and merchandise. However, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due. The redemptions will post within 2 to 8 business days. However, a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. Account credits towards a First Citizens personal loan or mortgageĬash back and account credit redemptions must be completed through the program website.Cash Back to an existing First Citizens Bank checking account, savings account or credit card account.You may redeem points back into other First Citizens banking products: All rewards redemptions can be made through the First Citizens Rewards Center by telephone or through the program website. Redemptions start as low as 10,000 points. Points expiring during the year will be cleared from your program account on the last day of the month in which they expire.Įach point is worth $0.01, which means that 100 points equals $1 in redemption value. After the 3-year term, points expire and can no longer be redeemed. Points earned are available for redemption for a 3-year term. Points will be deducted from the available rewards account balance for all returned purchases.Ĭardholders may earn up to 10,000 points per calendar month.
Earned points are calculated on actual dollars spent rounded up or down to the nearest point. With Rewards, you will earn three (3) points on fuel and select streaming services, two (2) points on grocery and drug stores, and one (1) point for each net dollar you spend (gross purchases less any returns or credits).
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