Frequently Asked Questions (FAQs)

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

Cardholders can skip their credit card payments due in July and 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 TertiaryPayments due on July 30th 2024 and August 30th 2024The outstanding balance as at July 10th 2024 and August 10th 2024 statement dates
Visa Classic, Purple,  Mastercard Standard, 2 in 1Payments due on July 2nd 2024 and August 2nd 2024The outstanding balance as at July 13th 2024 and August 13th 2024 statement dates
Visa Gold, Platinum, Signature, Infinite, MasterCard GoldPayments due on July 5th 2024 and August 5th 2024The outstanding balance as at the July 16th 2024 and August 16th 2024 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?

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 July and August.
  • 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 July or August, or both months once the set criteria is met.
  • For example, if a credit cardholder elects to skip their payment due on July 2nd 2024, then the next payment due will be based on their July 13th 2024 statement and will become due on August 2nd 2024.
  • Credit cardholders who choose to participate in this offer and thus elect to skip their payment(s) due in the month of July and 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 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 fccreditcardcampaigns@firstcitizenstt.com.

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