Credit Cards
A First Guaranty Bank Business Visa Credit Card provides purchasing power and shopping convenience at millions of locations around the world; all with the security of knowing your personal information will be handled locally at a FGB branch and not an out-of-town third party.
For added flexibility, you can choose the card that works best for your company. To apply stop by your local branch.
To report a lost or stolen card: 1.800.325.3678
To dispute charges on your card: 1.800.600.5249
Manage your card, pay your bill, check your statement:
Summary of Terms
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR )for Purchases, Balance Transfers and Cash Advances$ | FGB Visa® Business Card 10.00% This APR will vary with the market based on the Wall Street Journal (WSJ) Prime Rate. |
Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the posting date. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau |
Fees | |
Set-up and Maintenance Fees • Annual Fee |
$40 |
Transaction Fees • Cash Advance
• Foreign Transaction |
Up to 4% of the amount of each transaction
Up to 1% of each transaction in U. S. dollars |
Penalty Fees • Late Payment • Returned Payment |
Up to $27 Up to $25 |
| Rewards |
ScoreCard® Bonus Points
Earn points for every net retail purchase you make with our FGB Visa® Business Credit Card! You can redeem points for brand name merchandise, exciting travel rewards as well as convert your points to cash.
Visit www.scorecardrewards.com and browse the current reward selections. You’ll be amazed at what ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives.
|
Travel Accident Insurance
You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST.
(See Travel Accident Insurance Brochure for more information.)
|
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See below for more details.
Calculation of Daily Balances: We use the average daily balance method (including current transactions) for calculating your average daily balances. We will determine an average daily balance for (1) each of your purchase balances, and (2) each of your cash advances (including balance transfers) balances. To get the daily balance for your purchase and cash advance (including balance transfer) amounts, we take the beginning balance of your Account each day, add any new purchase, cash advance and balance transfer amounts, as applicable, add any new charges and fees, subtract any applicable portions of payments and credits, and add applicable unpaid interest Charges from the application of the daily periodic rate to each day’s ending balance.
Calculation of Your Interest Charge: Your Interest Charge for the period is based on the applicable Annual Percentage Rate (APR) associated with each balance. We disclose the currently effective APR in our Pricing Information Disclosure, which is part of this Agreement and is included with our letter to you advising you that your Account has been approved. Portions of your Balance, however, may be subject to prior APRs. We calculate Interest Charges separately for your purchase and cash advance (including balance transfer) balances under each applicable APR. We list each balance and the applicable interest rate in the Interest Charge Calculation section of your Statement. We compute each Interest Charge by:
(1)Calculating the daily balance rate,
(2)Multiplying the average daily balance for each balance by the applicable daily periodic rate (which is based on the APR applied to that balance),
(3)Multiplying each of the products in (2) by the number of day in the Billing Cycle, and
(4)Adding together all the products obtained in (3) to obtain you Total Interest for the period.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly statement.
Information contained in this First Guaranty Bank Disclosure is accurate as of 06/01/2022 and is subject to change thereafter. To obtain more recent information, please call us at 1-888-375-3093.