Questions?
Credit Card? Why should I get one?
There are many reasons. You need a credit card to rent a car. What if you get stranded while traveling on the road. Credit cards are extremely convenient and it is never too late to start building your credit history.
I have been denied before because I have no previous credit.
Can I still get a card?
FSNB understands that you have to start somewhere. We like to build an all around customer relationship with you. Our FSNB Visa Classic Card is the right card for you to start building your credit history.
Why would I want a Credit Card with an Annual Fee?
Remember! Your are starting out establishing credit or you had some hard times and are in need to restore your credit history. FSNB can help you achieve this goal. We are charging this fee for maintaining your account throughout the year and for any special services. You are a special member of the FSNB Credit Card Department and will be treated as such. An account representative will give you her/his undivided attention at all times.
How do monthly payments work? Do I have to pay the card off every month?
Monthly credit card payments have a required minimum payment - for the FSNB Visa Classic Card the minimum payment is 3.5% of your Outstanding Balance or $15.00 (whatever is more). You can pay off the amount that you have charged every month but it is not required. Paying off the entire outstanding balance will free up the available credit.
Can I use it right away?
The card needs to be activated. Call the number on the back of the card and then you are ready to go.
Where do I keep my card?
The best place for your card is in your wallet. You never know when you might need it. In addition, if you have the card, nobody else will have it.
What does a good credit history mean?
A good credit history means that you take care of your business and that you are a “good” credit risk. You are likely to pay back what you have borrowed. The longer your credit history remains in good standing, the more willing others will be in lending to you.
