SUMMARY OF IMPORTANT CREDIT TERMS
This Summary of Important Credit Terms is part of the Card Agreement.

Interest Rates and Interest Charges

Platinum  Card

Platinum  Rewards Card
& FCC Rewards Card

Signature Rewards Card

Annual Percentage
Rate (APR) for
Purchases and
Balance Transfers

10.24-16.24%*
This APR will vary with 
the market based on 
the Prime Rate.

12.24-18.24%*
This APR will vary with 
the market based on 
the Prime Rate.

12.24-18.24%*
This APR will vary with 
the market based on 
the Prime Rate.

APR for Cash 
Advances

18.24%
This APR will vary with 
the market based on 
the Prime Rate.

18.24%
This APR will vary with 
the market based on 
the Prime Rate.

18.24%
This APR will vary with 
the market based on 
the Prime Rate.

Special 
Introductory Rate

0% Introductory APR for 12 months on Purchases and Balance Transfers. 
After that the standard APR shown above will apply.

Paying Interest

Minimum Interest 
Charge

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees

Your due date is at least 27 days after the close of each billing cycle. 
We will not charge you any interest on purchases or balance transfers if 
you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the transaction date.

If you are charged periodic interest, the charge will be no less than $1.

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumer昀椀nance.gov/learnmore

Annual Fee

None

Transaction Fees

• Cash Advance

Either $10 or 2% of the amount of each cash advance, whichever is greater.

• Balance Transfer

Either $10 or 2% of the amount of each cash advance, whichever is greater.

• Foreign Transaction

None

Penalty Fees

  • Late Payment

Up to $39

  • Returned Payment

Up to $39

  • Returned Check

$10

* When you open your account, based on your creditworthiness

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” See the First Financial Bank Card Agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in the First Financial Bank Card Agreement.

Terms and Conditions

Balance Transfers - Under the Card Agreement, balance transfers are treated like purchases for interest 
calculation purposes. However, if your account has rewards, balance transfers do not earn rewards.

Variable Rate Based on the Prime Rate: Variable APRs are based on the U.S. Prime Rate as April 1, 2022. The 
APR may increase or decrease monthly if the Prime Rate changes during that period, but will never  exceed 25%. 
This information was accurate as of the date speci昀椀ed above and is subject to change after that date. Contact us 
at 1-800-221-8890 for any  change in the information since it was printed.

Purchase and Balance Transfer APR:  Platinum Card:  We add a Margin of 6.74%, 8.74%, 10.74%, or 12.74% to 
the Prime Rate of 3.50%.  Platinum Rewards, FCC Rewards and Signature Rewards Card:   We add a Margin of 8.74%, 
10.74%, 12.74% or 14.74% to the Prime Rate of 3.50%.  

Cash Advance APR:  We add a Margin of 14.74% to the Prime Rate of 3.50%.  

Rev. 03-2022

Prepayment: You may pay the unpaid balance of the account in whole or in part at any time.

OH Residents - The  Ohio laws against discrimination require that all creditors make credit equally available  
to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each 
individual  upon request.  The Ohio Civil  Rights  Commission administers  compliance with this  law.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the
government 昀椀ght the funding of terrorism and money laundering activities, Federal law requires all 昀椀nancial 
institutions to obtain, verify, and record information that identi昀椀es each person who opens an account. What  
this means for you: When you open an account, we will ask for your name, address, date of birth, and other 
information that will allow us to identify you. We may also ask to see your driver’s license or other identifying 
documents; and obtain identi昀椀cation information about you or any authorized user you add to your account.

Credit Reports - We may order credit reports in connection with processing applications/solicitations and 
any update, renewal or extension of credit. Upon request, we will tell you the name and address of any 
consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by 
signing or otherwise submitting an application or solicitation.

About This Offer - This offer is valid for new accounts only. You must be at least 18 years of age. This 
offer is available only to applicants who are permanent residents of the U.S. and reside in the United 
States. If at the time of your application you do not meet the credit or income criteria previously established 
for this offer, or the income you report is insuf昀椀cient based on your current obligations, we may  be unable to 
open an account for you. Additional fees and account terms will be described in the Card Agreement that will 
be provided with the card upon approval. Upon approval, you will receive a Card Agreement.  You agree that  
the Card Agreement  and the account are governed by Ohio and federal   law.The terms of your account, 
including rates and fees, are subject to change, to the extent permitted by law.

Credit Line - We determine your credit line based on a review of information bearing on your creditworthiness. 
If this is a secured card account, you agree to establish and maintain a deposit account as security for the 
Account with an amount of funds equal to your credit line.

Payment Allocation - Payment for up to the Minimum Payment amount will be applied at our discretion,      
and may be applied 昀椀rst to fees and interest, then to the balance with the lowest APR on your Account, 
and then to balances with higher APRs. Payment amounts in excess of the Minimum Payment will 昀椀rst  be 
applied to the balances with the higher APRs before balances with lower APRs, except as otherwise required 
by applicable law. Credits will be applied at our discretion.

Mobile Telephone - Permission to Contact - By giving us your mobile telephone number, we have your permission 
to contact you at that number regarding all accounts you have with us. Your consent allows us to use text messaging, 
arti昀椀cial or prerecorded voice messages and automatic dialing technology for   informational and account service 
calls, but not for telemarketing or sales calls. It may include calls from companies working on our behalf to service 
your account. Message and data rates may apply. You can   change these preferences at any time by contacting us.

Jury Trial and Class Claims Waiver and Arbitration - The Card Agreement contains an Arbitration provision with a 
jury trial and class claims waiver, which impacts your rights, including your right to bring or participate in a class action 
or have a jury trial in the event of a dispute between you and us. If you do not agree, do not submit an application.

Information Sharing - Our Privacy Policy is available online at Bankat昀椀rst.com. 

This card is issued by First Financial Bank, Cincinnati, OH.

Visa® is a registered trademark of Visa International Service Association and used under license.

First Financial Bank Card Agreement

This document and the Interest Rate and Interest Charges table (“Summary”) are your agreement with us 
(“Agreement”) and govern your credit card (“Account”). You accept this Agreement by signing, including 
electronically, the application or sales slip or other evidence of indebtedness.

DEFINITIONS

You, your: a person who signed or otherwise applied for a Card. We, us, our: First Financial Bank, the 
issuer of the Card. Authorized User: anyone you allow to use the Card or Account, whether you tell us or 
not. Bill: the billing statement for the Account. Balance Transfer: transfer of a balance to the   Account.
Business Days: Monday to Friday, except Federal Reserve Bank holidays. Card: a card, Account number, 
or other access device issued to you, or someone with your authorization. Cash Advance: use of the Card to 
obtain cash from an ATM or 昀椀nancial institution; to load   or purchase stored value; to purchase lottery tickets, 
money orders, casino chips, or foreign currency; or similar actions. Check: a check we give you to access 
the Account. It is at the Cash Advance APR. New Balance: total amount you owe at the end of a billing 
cycle. Purchase: use of the Card to buy or lease goods or services where the Card is honored.

Rev. 03-2022

 
ACCOUNT

Use. You may use the Account for Purchases, Cash Advances, Check transactions or Balance Transfers. 
You may not use it for purchases of securities or commodities, business purposes, or for illegal   transactions. 
You may not use a Check to pay us or our af昀椀liate. You agree to pay us all amounts due on   the Account, 
including charges made by Authorized Users. We may not authorize a transaction for security or other 
reasons. We will not be liable to you if we decline to authorize a transaction or if the Card is refused.

Credit Line. You must keep the Account balance below the Account credit line. If you do not, we may request 
immediate payment of the amount by which you exceed it. We may set a lower credit line for Cash Advances. 
We may change the credit lines without notice. We may delay increasing available credit by the amount of a 
payment we receive for up to 10 business days.

Cancellation. You may cancel the Account at any time by notifying us. We may cancel or suspend the 
Account at any time without notice. You remain responsible for any amount you owe under this Agreement.

Payments. You may pay the balance at any time. You must pay at least the Minimum Payment by the 
payment due date each month. You must pay us in U.S. dollars drawn on funds on deposit in the U.S. We 
credit payments in accordance with the terms on the Bill. If you mail a payment to an address other than 
the one speci昀椀ed on the Bill, there may be a delay in crediting the payment. We apply payments up to 
the Minimum Payment and all credits to the balances on the Account in any order we select. We always 
apply payments as required by law. We can accept late payments, partial payments, or payments marked 
“Payment in Full” or with another restrictive endorsement without losing our rights under this Agreement.

INTEREST

Calculating Interest-Average Daily Balance Method (including new charges). Balance Transfers are 
treated like Purchases for interest calculation purposes. We calculate interest separately for each

Category (Purchases, Checks, Cash Advances, and different promotional balances). First, we calculate the 
average daily balance for a Category. Each day, we start with the beginning balance. (For the 昀椀rst day of the 
billing cycle, this is the balance on the last day of the previous billing cycle, minus unpaid interest or fees.) 
We add new transactions, subtract new payments and credits, and make adjustments. We add up the daily 
balances for the billing cycle and divide by the number of days in the billing cycle to get the average daily 
balance. Second, we multiply the average daily balance for each Category by its periodic    rate and, if the 
periodic rate is daily, by the number of days in the billing cycle. This gives us the interest for the Category for 
the billing cycle. A monthly periodic rate is the Annual Percentage Rate (“APR”) divided by
A daily periodic rate is the APR divided by 365. The total interest for the billing cycle equals the greater of the 
sum of the interest for each Category or the minimum interest charge.  

When Interest Begins. We begin charging interest on Purchases, Checks, and Cash Advances on the date 
of the transaction. If you paid the New Balance on the previous Bill by the Payment Due Date on that Bill, we 
will not impose interest on any portion of new Purchases (ones that 昀椀rst appear on the current Bill)   if paid by 
the Payment Due Date on the current Bill. There is no grace period for Checks or Cash Advances.

New Balance. To calculate the New Balance at the end of a billing cycle, we begin with the total Account 
balance at the start of that billing cycle, add new transactions, subtract new credits or payments, add new 
interest or fees  and make other adjustments (for example, if you have disputed a  charge)

Variable APR. A variable APR equals the sum of the Margin we specify and the U.S. Prime Rate (“Index”) 
quoted in the Money Rates Table of The Wall Street Journal on the 10th business day of the month. The APR 
will increase if the Index increases. A change to the Index takes effect the 昀椀rst day of the billing cycle that 
begins in the following month and will apply to new and existing balances. If an APR increases, the amount 
of interest and the Minimum Payment may increase. If The Wall Street Journal ceases publication, we will 
select a new index and notify you.

See Summary for more fee information

FEES

Annual. At Account opening and each year after we charge the Annual fee; see the Summary. Foreign. 
For a transaction made outside the U.S. or not in U.S. dollars we charge the fee; see the Summary. Late 
Payment. If we do not receive the Minimum Payment by six days after the payment due date, we charge   
a Late Payment fee. It is the lesser of $25 ($39 if a payment is late again within six billing cycles) or the 
Minimum Payment due when the payment was late. Returned Payment.  If any payment on the Account is 
not honored, we charge a Returned Payment fee. It is the lesser of $25 ($39 if another payment is returned 
within six billing cycles) or the Minimum Payment due immediately before the payment was returned. 
Returned Check. If we don’t pay a Check because, for example, the amount of the Check   would exceed 
the available Credit Line, we receive it after its expiration date, it is postdated, you are in default, or the 
Account is suspended or cancelled; we charge a $10 fee. Stop Payment. If we agree to stop payment on 
a Check, we charge a $10 fee, whether or not we successfully stop payment, subject to any restrictions of 
applicable law.

Rev. 03-2022

 
OTHER

Contact us. Unless we tell you otherwise, you may contact us at 877-339-4078 or at 225 Pictoria Dr., Suite 
600 – Card Services, Cincinnati, Ohio 45246. Contact us within 15 days after changing your email address, 
mailing address or phone number.

Lost/Stolen Cards. Notify us immediately if the Card is lost or stolen, or if someone may be using the 
Account or Card without permission.

Default. You are in default if you fail to make a required payment on your Account or another account with 
us when due, die, 昀椀le bankruptcy or become insolvent, exceed the Credit Line, or have given us any false, 
misleading, or incomplete information. Upon default, we may declare the Account balance immediately due 
and payable without notice.

Joint Accounts. Each of you agrees to be liable individually and jointly for the entire amount owed. Notice to 
one of you serves as notice to both.

Foreign Transactions. The credit card association converts transactions in foreign currency into U.S. dollars 
using a wholesale or government-mandated rate.

Information Sharing. We send you our Privacy Policy when you open the Account and annually. It 
summarizes the personal information we collect, how we safeguard it, when it may be shared with others, 
and how you can limit our sharing. Contact us or visit Bankat昀椀rst.com for a copy.

Credit Reports. We may review your credit, employment, and income records. We may report the status and 
payment history of the Account to credit reporting agencies and other creditors. If you believe information we 
have reported is inaccurate or incomplete, write us at 225 Pictoria Dr., Suite 600 – Card Services, Cincinnati, 
Ohio 45246. If you have the credit report, send a copy.

Waiver. We may delay or not enforce our rights under this Agreement without losing or waiving any of them.

Changes. We may at any time change, add to, or delete any of the terms and conditions in this Agreement. 
We will give notice as required by law.

Governing Law. This Agreement is governed by applicable federal law and by Ohio law, without regard   to 
Ohio’s con昀氀icts of law rules. We will not charge interest or fees prohibited by law.

Assignment. We may sell, assign or transfer the Account or a portion of it without notice. You may not sell, 
assign, or transfer the Account.

Severability. If any part of this Agreement is found to be invalid, the rest will remain in effect. However, if the 
“No Jury Trial or Class Claims” section in the arbitration provision is invalidated in a proceeding in which you 
and we are involved, then the arbitration provision will be void with respect to that   proceeding.

ARBITRATION

If you are a Covered Borrower under the Military Lending Act, this section does not apply. This arbitration 
“provision” describes how all Claims (de昀椀ned below) will be arbitrated, if you or we elect, instead of litigated 
in court.

De昀椀nitions. For purposes of this provision, “you” and “us” also includes any corporate af昀椀liates, licensees, 
predecessors, successors, assigns, purchaser of any accounts, and all agents, employees, directors and 
representatives of any of the foregoing, and other persons referred to in the de昀椀nition of “Claim.” “Claim” 
means any past, present, or future dispute or controversy between you and us relating to this Account and 
includes claims by or against any third party relating to the Account. The term “Claim” is to be given the 
broadest possible enforceable meaning. However, “Claim” does not include a claim challenging the validity 
or enforceability of this provision, including the class action waiver. “Administrator” means the American 
Arbitration Association, www.adr.org, (800) 778-7879; or JAMS, www.jamsadr.com, (949) 224-1810.

Right to Elect Arbitration. Either we OR you may choose to resolve each Claim by arbitration at any time 
unless the Claim has been 昀椀led in court and trial has begun or 昀椀nal judgment entered. We will not elect 
arbitration for any Claim you 昀椀le in small claims court, so long as the Claim is individual and pending only in 
that court. The arbitrator’s authority to resolve Claims and make awards or decisions is limited to you and us 
alone. Claims between you and us may not be joined or consolidated in arbitration with claims brought by or 
against someone other than you, unless agreed to in writing by all parties. However, corporate af昀椀liates are 
considered one person for the purposes of this section. No arbitration award has any preclusive effect as to 
any dispute involving anyone who is not a party to the arbitration. This arbitration provision is made pursuant 
to a transaction involving interstate commerce and governed by the Federal Arbitration Act (“FAA”).

No Jury Trial or Class Claims. If we or you request arbitration of a Claim, neither has the right to litigate 
the Claim in court and the Claim must be arbitrated on an individual basis. This means there is no jury trial, 
discovery may be limited, and no Claim may be arbitrated on a class-action, private attorney general, or other 
representative basis, and neither we nor you has the right to participate in any class or group of claimants 

Rev. 03-2022

 
pertaining to any Claim subject to arbitration.

Rules. The party initiating arbitration shall select an Administrator from the list above. If no Administrator is 
available, the arbitration shall be administered by an administrator or arbitrator upon which you and we agree 
to in writing. The arbitration shall be governed by the rules of the chosen Administrator and this Agreement. 
These rules may limit discovery. You can get a copy of an Administrator’s rules from the Administrator. A 
single, neutral arbitrator resolves Claims. The arbitrator is either a lawyer with at least 10 years’ experience 
or a retired or former judge, selected in accordance with the Administrator’s rules. The arbitrator takes 
reasonable steps to protect customer account information and other con昀椀dential information if requested 
by you or us. Arbitration hearings take place in the federal judicial district in which you reside. If you wish to 
begin an arbitration of your Claim against us but cannot afford the Administrator’s costs and cannot in good 
faith obtain a waiver from the Administrator, we advance those costs if you ask   us in writing. If you lose the 
arbitration, the arbitrator decides if you have to repay the advance. Unless applicable law requires, each 
party pays their own lawyers’, experts’, and witnesses’ fees. The arbitrator applies applicable substantive law 
consistent with the FAA and applicable statutes of limitations, honors claims of privilege, and has the power 
to award any damages or other relief provided for under applicable law. The arbitrator makes any award in 
writing and, if requested, provides a brief statement of reasons.

Arbitration Award and Appeals. Judgment upon the arbitrator’s award may be entered in any court with 
jurisdiction. The arbitrator’s decision is 昀椀nal and binding, except for any appeal right under FAA. The appealing 
party pays the appeal costs. This agreement to arbitrate shall survive any suspension, termination, revocation, 
or closure of the Agreement or Account, and any bankruptcy to the extent consistent with applicable law.

Enforcement of this Provision. If any part of this arbitration provision cannot be enforced, the rest 
continues to apply. However, an arbitrator cannot enlarge his or her authority beyond that provided by 
this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator determines that 
applicable law requires this arbitration provision to be enforced in a way that enlarges his or her authority, 
such as the adjudication of claims on a class or representative basis, then the arbitrator must decline to hear 
the dispute and refer the parties to a court or other body with suf昀椀cient authority. In the event of any con昀氀ict 
or inconsistency between this arbitration provision and the Administrator’s rules or other provisions   of this 
Agreement, this arbitration provision governs.

Your Billing Rights. Keep This Document For Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What to Do If You Find a Mistake on Your Bill.

If you think there is an error on your Bill, write to us at the address listed on your Bill. You may also contact 
us on the Web: www.bankat昀椀rst.com. In your letter, give us the following information:

•  Account information: Your name and account number
•  Dollar amount: The dollar amount of the suspectederror
•  Description of problem: If you think there is an error on your Bill, describe what you believe is wrong 

and why you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your Bill.
•  At least 3 business days before an automated payment is scheduled, if you want tostop payment on 

the amount you think is wrong.

•  You must notify us of any potential errors in writing or electronically. You may call us, but if you do we 
are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter.

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell 

you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the 

Bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect any amount in question, or report you as delinquent on that amount.
The charge in question may remain on your Bill, and we may continue to charge you interest on that 
amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your 
balance.
We can apply any unpaid amount against your credit limit.

After we 昀椀nish our investigation one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
related to that amount.

Rev. 03-2022

 
 
 
 
If we do not believe there was a mistake: You must pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount that you owe and the date payment is due. 
We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your Bill is wrong, you must write to us within 10 days telling us 
that you still refuse to pay. If you do, we cannot report you as delinquent without also reporting that you are 
questioning your Bill. We must tell you the name of any one to whom we reported you as delinquent, and we  
must let those organizations know when the matter has  been settled between  us.

If we do not follow all the rules above, you do not have to pay the 昀椀rst $50 of the amount you question, even if 
your Bill is correct.

Your Rights If You Are Dissatis昀椀ed With Your Credit Card Purchases.

If you are dissatis昀椀ed with the goods or services that you purchased with your credit card, and you tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount 
due on the purchase.

To use this right, all the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing 

address, and the purchase price must have been more than $50. (Neither of these is necessary if your 
purchase was based on an advertisement we mailed to you, or if we ownthe company that sold you the 
goods or  services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an 

ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all the criteria above are met and you are still dissatis昀椀ed with the purchase, contact us in writing or 
electronically at the address listed on your Bill or on the Web at www.bankat昀椀rst.com.

While we investigate, the same rules apply to the disputed amount as discussed above. After we 昀椀nish   our 
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.

Rev. 03-2022