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.
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
Credit Limit: Minimum $500 | Maximum $30,000
Manage your card, pay your bill, check your statement:
Summary of Terms
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances$ | FGB Visa® Business Card 19.24% 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 |
4% of the amount of each transaction
1% of each transaction in U. S. dollars |
Penalty Fees • Late Payment • Returned Payment |
$8 $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 your Credit Card Agreement for further information regarding how we calculate your balance.