Is medical insurance not an option for procedures you need and desire? Is funding needed up front for your plans? That's why we offer you a Lifestyle Credit Care VISA card for your convenience and the ability to enjoy your life without wasting energy on financial stress.
6.9% APR* Introductory Rate for 6 Months
No Annual Fee — ever.
Why Pay More? SAVE when you transfer balances to a First Central VISA card!
A Lifestyle Credit Care VISA card can help afford: Adoption services, audiology / hearing aids, band instruments, cosmetic dentistry / orthodontics, cosmetic or elective surgery, debt consolidation, education tuition, electrolysis, emergencies – health, home, auto, fertility treatments, hair restoration, helping out a family member, non-insured medical expenses, significant life events, veterinary care, vision care (LASIK) and much more.
*APR = Annual Percentage Rate.
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RATES & ACCOUNT TERMS
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Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Lifestyle | |
|---|---|
| 6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 11.74% - 18.00% |
APR for Balance Transfers
| Lifestyle | |
|---|---|
| 6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 13.74% - 18.00% |
APR for Cash Advances
| Lifestyle | |
|---|---|
| 6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 13.74% - 18.00% |
Fees
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | No minimum Interest Charge. |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board. |
| Transaction Fees | |
|---|---|
| Foreign Transaction Fee | Up to 1% of each transaction in U.S. dollars |
| Penalty Fees | |
| Late Payment Fee | $25 |
| Returned Payment Fee | $25 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Rates effective 04/01/2020
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