Frequently Asked Questions (FAQs)

1. Which month can I skip my credit card payment?

Cardholders can skip their credit card payment(s) due in August 2024.

2. Who can qualify to skip their credit card payment?

To qualify, personal credit cards must be:

3. Which credit card types qualify for the Skip A Payment offer?

The following credit card types can qualify for the Skip A Payment offer:

Card TypePayments that can be skippedSkipped payment/Payment due will be based on
Visa Classic, Visa Gold, Visa PlatinumPayments due August 30th 2024The outstanding balance as at August 9th 2024 statement dates

4. If I skip my September payment, when next will I need to make a payment?

If you skip your credit card payment due in August, then your next payment due will be based on September’s statement and become due on September’s payment due date.

5. Will late charges be waived if I choose to accept this offer?

Yes, late charges will be waived for your August payment due in September.

6. How do I know if I qualify for the Skip a Payment offer?

Qualifying credit cardholders will be notified of their eligibility via email.

7. Is it mandatory that I skip my credit card payment?

Participation in this offer is voluntary. Credit cardholders who do not wish to participate may proceed to make payment(s), no less than the minimum payment on or before their due dates.

8. If I paid my credit card before the August 30th 2024 due date, can I still participate in the Skip A Payment promotion?

Yes. Once you qualify for the offer, you can participate by sending us a Secure Message via First Citizens Online Banking or calling 431-4577 to have your payment reversed.

9. What are the benefits if I skip my credit card payment?

10. Will I be charged interest if I skip my payment?

Yes. Interest continues to accrue on your outstanding balance.

11. What happens if I have a standing order to my credit card account?

The standing order payment will be applied as scheduled. However, if you wish to skip your payment, kindly send us a Secure Message via Online Banking by clicking the “My Messages” tab and select “Send New Message” or email us at cardservicesdepartment@firstcitizensbb.com .

12. Will late charges be waived if I choose to accept this offer?

Yes, late charges will be waived for your September payment due in October.

13. How do I access further information about this offer?

You can send us a Secure Message via Online Banking by clicking the “My Messages” tab and select “Send New Message” or email us at cardservicesdepartment@firstcitizensbb.com .

Terms and Conditions

  • This offer is valid for the month of August, 2024.
  • This offer is open to all VISA credit cardholders meeting the qualifying criteria.  Business credit cardholders are not eligible to participate in this offer.
  • To qualify for this offer, personal credit cards must be:
    • Active
    • In non-delinquent status
    • Have an outstanding balance within the Card Limit as at their September statement date
  • Qualifying credit cardholders have been notified of their eligibility via an email blast which was sent to them after their August credit card statements cycled.
  • Qualifying credit cardholders who meet the above criteria may choose to skip their payment due in the month of August, once the set criteria is met.
  • For example, if a credit cardholder elects to skip their payment due on August 30th 2024, then the next payment due will be based on their September 9th 2024 statement and will become due on September 30th 2024.
  • Credit cardholders who choose to participate in this offer and thus elect to skip their payment due in the month of August 2024 will NOT incur any penalties or be classified as delinquent.
  • Participation in this offer will not result in the waiver of interest and all outstanding balances during the term of this offer will continue to be subject to the normal rate of interest.
  • Participation in this offer is voluntary. Credit cardholders who do not wish to participate may proceed to make their payment, no less than the minimum payment on or before their due dates.

For further information, kindly email us at CardServicesDepartment@firstcitizensbb.com.

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