Caller is 1st Financial Bank, I got the credit card (limit 150) spent the limit and started paying on it when I was 18 to build credit. They have since doubled my amount owed and I stopped paying when the amount I owed went well over my limit. These people are horrid, they don't care if you have a job or not or if you have long since paid the amount and interest you originally owed. I refuse to pay them any more, let them report me or whatever, but I paid it off and I still owe double (and according to the latest call, well over quadruple) my spending limit.
Never get a card from these people, they attempt to bleed you dry with tricks to make your limit go way over then start charging you the extra fees and increased interest because "you" went over your limit, when it was their fees for paying online and paying early or late, it doesn't matter which. If you pay a week ahead of schedule you still owe on the day it is actually due or else they say it's late. =/
First time I am late with a payment ever with 1st Financial and they have been calling me up the [***]. It hasnt even been 30 days past due and I am getting all these calls from them. There APR rate is a joke. With that high of an interest rate, I will not be able to pay them off. They closed my account without notice as well. But because times are tough, and like everyone else, they certainly are not the ones on top of my list to get paid. AND, they don't even work with you if you are having financial troubles like how most credit card companies do. Horrible company, customer service, and policies. Regret ever opening up an account with them.
1st Financial Bank Collections; I can't pay right now, they call 8 times a day, and I laugh 8 times a day when their silent ringtone gives me missed calls. Why?
Because apparently they think more calls will equate to more money going into my checking account. As if their telephone operators are giving their own paychecks to the customers. Keep wasting money, I'll keep not paying. They'll be pissed, I'll be happy.