SKIP YOUR CREDIT CARD PAYMENT

Frequently Asked Questions (FAQs)

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

Cardholders can skip their credit card payments due in August and September, 2023.

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

To qualify, personal credit cards must be:

Active
In non-delinquent status
Have an outstanding balance within the Card Limit as at their July statement date

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 Type	Payments that can be skipped	Skipped payment/Payment due will be based on
Visa Tertiary	Payments due on July 30^th 2023 and August 30^th 2023	The outstanding balance as at July 10^th 2023 and August 10^th 2023 statement dates
Visa Classic, Purple, Mastercard Standard, 2 in 1	Payments due on August 2^nd 2023 and September 2^nd 2023	The outstanding balance as at July 13^th 2023 and August 13^th 2023 statement dates
Visa Gold, Platinum, Signature, Infinite, MasterCard Gold	Payments due on August 5^th 2023 and September 5^th 2023	The outstanding balance as at the July 16^th 2023 and August 16^th 2023 statement dates

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

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

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

Qualifying credit cardholders have been notified of their eligibility via a printed message on their July and August credit card statements.

6. 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.

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

Surplus cash in hand
There are no delinquency implications
There are no late charges

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

Yes. Interest continues to accrue on your outstanding balance.

9. 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 cardsales@firstcitizenstt.com .

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

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

11. 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 cardsales@firstcitizenstt.com .

Terms and Conditions

This offer is valid for the months of August and September, 2023.
This offer is open to all VISA and MasterCard 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 June statement date
Qualifying credit cardholders have been notified of their eligibility via a printed message on their July and August credit card statements.
Qualifying credit cardholders who meet the above criteria may choose to skip their payment due in the months of August or September, or both months once the set criteria is met.
For example, if a credit cardholder elects to skip their payment due on August 2^nd 2023, then the next payment due will be based on their August 13^th 2023 statement and will become due on September 2^nd 2023.
Credit cardholders who choose to participate in this offer and thus elect to skip their payment(s) due in the month of August and September 2023 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 payment(s), no less than the minimum payment on or before their due dates.

For further information, kindly send us a Secure Message via Online Banking by clicking the “My Messages” tab and select “Send New Message” or email us at cardsales@firstcitizenstt.com .

Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

Fund Name	Unit Price	Pay Out Rate
The Abercrombie Fund	TTD $20.00	1.20% As of September 27, 2023
The Paria Fund	USD $10.00	0.90% As of September 27, 2023
The El Tucuche Fund	TTD $12.15	N/A As of September 27, 2023

Item	Buying Cash	Buying	Selling
USD	6.1500	6.6059	6.7793
CAD	4.6961	4.9433	5.3635
GBP	7.7164	8.1225	8.8204
YEN	******	0.0442	0.0475
EUR	6.6758	7.0272	7.6245
ECD	2.2272	2.4209	2.6170
BBD	2.7086	******	3.5092

Frequently Asked Questions (FAQs)

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