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 

Secured Card 

12.24% 
This APR will vary with the 
market based on the Prime 
Rate. 

14.24% 
This APR will vary with the 
market based on the Prime 
Rate. 

12.24% 
This APR will vary with the 
market based on the Prime 
Rate. 

14.24% 
This APR will vary with the 
market based on the Prime 
Rate. 

21.24% 
This APR will vary with the 
market based on the Prime 
Rate. 
21.24% 
This APR will vary with the 
market based on the Prime 
Rate. 

Your due date is at least 27 days after the close of each billing cycle. We will not charge 
you any 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 transaction date. 

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.consumerfinance.gov/learnmore 

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Cash 
Advances 

Paying Interest 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Annual Fee 

None 

Transaction Fees 

•  Cash Advance 

•  Foreign 

Transaction 

Penalty Fees 

•  Late Payment 

•  Returned 
Payment 

None 

None 

Up to $35  

Up to $35 

•  Returned Check  

$10 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new 
purchases).”   See the First Financial Bank Card Agreement, below. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is 
provided in the First Financial Bank Card Agreement, below. 

Terms and Conditions  

Balance Transfers - Under the Card Agreement, balance transfers are treated like purchases.  They are 
subject to the purchase APR and there is no fee to transfer a balance.  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 of 12-19-
2018.  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 specified 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. 

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 creditworthy 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 fight the funding of terrorism and money laundering activities, Federal law requires all 
financial institutions to obtain, verify, and record information that identifies 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 identification 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 insufficient 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 first 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 first 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, artificial 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 Bankatfirst.com. 

This card is issued by First Financial Bank, Cincinnati, OH.  

Visa(R) 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. 
Balance Transfers are treated like Purchases. 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 
financial 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.  

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 affiliate. 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 specified 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 first 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 12. A daily periodic rate is the APR divided by 365. The total interest for the billing cycle equals 
the sum of the interest for each Category.  

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 first 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 first 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.  

FEES  

See Summary for more fee information  

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 ($35 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 ($35 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.  

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, file 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 Bankatfirst.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 conflicts 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 (defined below) will be arbitrated, if you or we elect, instead of 
litigated in court. 

Definitions. For purposes of this provision, “you” and “us” also includes any corporate affiliates, 
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 definition 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 filed in court and trial has begun or final judgment entered. We will not 
elect arbitration for any Claim you file 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 affiliates 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 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 confidential 
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 final 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 sufficient authority. In the event of any 
conflict 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.bankatfirst.com. In your letter, 
give us the following information:  

•  Account information: Your name and account number;  

•  Dollar amount: The dollar amount of the suspected error;  

•  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 to stop 
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 finish 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.  

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 first $50 of the amount you question, 
even if your Bill is correct.  

Your Rights If You Are Dissatisfied With Your Credit Card Purchases.  

If you are dissatisfied 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 own the 
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 dissatisfied with the purchase, contact us in writing or 
electronically at the address listed on your Bill or on the Web at www.bankatfirst.com.  

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
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.