How do I log into the First Savings credit card at firstsavings.com?
First Savings Credit Card Login is provided to its existing customers via which they can pay credit card bills and manage their credit card activities online. The credit card is offered by the First Savings Bank. The credit card can be used everywhere where Visa is accepted. The First Savings Card login portal is user-friendly and can be accessed through a computer, laptop or mobile device with an active internet connectivity.Log in to make payments, view transaction history, report a lost or stolen card, set up email alerts, set up online payments and much more. Read on to find a detailed explanation of the login procedure.How to Log into First Savings Credit CardStep 1– If you are authorized to access the online portal of First Savings Credit Card then you must, click here Link.Step 2– Once the web page opens you will find the “Account Login” button at the top right, as it appears in the picture below.Step 3– Provide your User Name and Password in the white boxes and tap on the “Log In” button.Once your identity is confirmed you will be taken further to the online account management console.Forgot User Name or PasswordStep 1– Lost your login credentials? Navigate to the login homepage of the First Savings and click on the link that reads “Forgot User Name or Password?” You can also click here Link for direct access to the recovery page).Step 2– In the next step, you will be required to verify your identity. Provide the following information to set new login particulars:Account NumberExpiration DateCard Security CodeLast 4 Digits of your SSNHow to Register for a New AccountNot yet registered for online access? The registration procedure is easy and just takes a few minutes. Follow the instructions mentioned below and skip the trip to the bank.Step 1– Click here Link for direct access to the registration page.Step 2– To register as a new user you need to provide the following details:Account NumberExpiration DateCard Security CodeLast 4 Digits of your SSNFirst Savings Credit Card Phone NumberCustomer Service– 888-469-0291Send you credit card payments to the following address:First Savings Credit CardPO Box 2509Omaha, NE 68103-2509Correspondence AddressFirst Savings Credit CardPO Box 5019Sioux Falls, SD 57117-5019
Can we have credit card without having bank account?
The two way how I am understanding your question is:Do you need to have a bank account with the same Bank from whom you want to have a credit card? If this is the question, then the answer is No you don't need to have a bank account in the same bank from which you want to have a credit card.Do you need a Bank account at all, in any bank in order to get a Credit Card? If this is the meaning of the question, then the answer is YES, you need a bank account to get a credit card.Basic stuff on getting a Credit Card: To get a Credit Card, you should have a good Credit Score ( CIBIL ) & Income proof. And both of these things cant be acheived in actual, if there is no Bank account at all.Advanced Way on getting a Credit Card: You can opt for a Credit Card even if you don't have Credit Score ( CIBIL ) or bad credit score. And yes you wont need to show your income proof too. Banks Offer this product: SECURE CREDIT CARD, which is commonly known as CARD AGAINST FD.In this situation, you will have to create a FD with the said BANK & then you will be issued a Credit Card in lien with the FD with upto 80% or little more. This FD Cant be taken out by you until you don't clear off the dues of the credit card.But in this product of Credit Card (SECURE CREDIT CARD) too, you need to have a bank account to create a FD or some sort of account. Without Banking, you cant do any bank related stuff. And thus its important.Also, I read a answer from someone else here regarding PRE-PAID cards. Logically he is correct on the same, as the technicality/charges/functional behaviour of Prepaid Cards has Credit Card mechanism (Does not apply for all the pre-paid cards though). But Pre-paid card’s has their own limitations and cant actually be getting all the facilities of Credit Cards.Most Importantly, if you are opting for Unsecured ( Normal ) Credit Card with CIBIL & Income Proof or you are opting for Secured Credit Card, the transactions done on both & their due payments once are paid, are listed in Credit Union ( CIBIL ) and it slowly enhances your Credit Limit. Any other form of card does not help you on the same.Hope it helps.If there is any query, concerns, advises, please do not hesitate to write. Would love to learn more on this with you.Cheers!
Is having a savings account worth it?
We all pretty much have to have a checking or current account nowadays, but a separate savings account is not always necessary - it depends on your behaviour. Some points are relevant:Savings account(s) can be good for setting aside different pots of money for different purposes.Savings accounts tend to offer marginally higher rate of interest (although it’s all rather tiny at the moment).If you need the discipline of having your money in a savings account, rather than psychologically more accessible in your current/checking account.If you have larger sums of money, you shouldn’t keep them all in one bank - have a couple of accounts.Very long-term (20+ years), savings just about keep pace with inflation (that’s only if you get best interest rates and minimise taxes etc.), so likely to lose via inflation and huge opportunity cost of a saving account vs. investment.Sometimes cash is king - don’t invest too much money. Lots of cash puts a nice wedge between you and financial poverty. Cash can be deployed at favourable times.Hope that helps
First credit card?
Say I am 18, enrolled in college and working a part time or full time job. Would I be able to apply and get a secured credit card without a co-signer, since I am working? Or would I still have to have a cosigner? Thanks!
HELP FOR FIRST CREDIT CARD!!!?
1) Debit or credit? To build a credit history, you going to need some sort of debt payment history such as a credit card, student loan, or mortgage. With debit card, this is not reported on a credit report. When you use a debit card, money is withdrawn from your bank account when you make a purchase. If you do use a debit card, you want to make sure you have enough money in your checking account. 2) It doesn't matter which bank you use. As long as its FDIC insured and you choose the one with the lowest bank fees (such as overdraft fees. Meaning you wrote a check and there wasn't enough money in your checking account to pay that person or company. So the bank had to make up the difference and charge you bank fees. 3) I personally have 2 credit cards. One is Discover Card since it gives 5% cash back on certain purchases. The other is an Amazon Visa Card since I shop on Amazon often and get a $25 gift card when I earn 2500 points. I don't think you need a macy's card if you don't shop there often. After all, there's plenty of other retail stores too. You should know that when you apply for a credit card, you have to qualify for it. If this is your first credit card, expect the credit limit to start out small like $500 or $1000. When you use your credit card, make sure you are able to pay it back the next month. So always keep in mind how much money is coming in and then put a limit on how much you want to spend that month. I personally limit myself to $500/month on spending. I bought a Playstation 3 one month, another month I bought a GPS, another month I bought several blu-rays and games, and so on. All of these items cost below $500, so the leftovers I put away in a savings account. So some hints when using a credit card: 1) Know your spending limit 2) If possible, always pay off the full balance every month 3) Never pay the minimum payment. Always pay more or the entire balance. 4) Never be late with your payments. 5) Obtain a free credit report online every year from any of the 3 major credit reporting agencies such as Equifax, TransUnion, or Experiean by going to http://www.annualcreditreport.com Check if all information on your report is accurate.
When does first savings credit card give credit limit increases?
Most banks do not give automatic increases, and when they do, it is at their discretion. There is no general rule to this question. Chances are, you may have to ask for a credit increase. I wouldn't bother to do this though, until you have had the account and used it wisely for 18 mos to 2 years.
I am 20 and just got my first credit card. I would essentially like to use it to build credit safely. Could I way overpay my bill and store up money?
If you want to build credit you have to be able to illustrate an ability to use it. Your credit rating is not a rating of how little credit you use, but a rating of how well you bare debt. If there is no balance on the card you are not bearing any debt so you are not building credit. In order to build that debt you need to show steady charges and payments on your card over months and years. The best way to do that is automatic payments. I am sure you have bills you normally pay like streaming video accounts, your cell phone, and other subscriptions. Instead of paying them through your checking account set up a auto charge circle instead.Identify those regular bills you pay currently and change their payment options to auto charge to your credit cardSetup your credit card to auto charge your savings account for the full balance each monthGet in the habit of having most of your money in your savings account minus a reasonable amount for spending on your checking accountDo not use your credit card for everyday purchases, use your checking account. Stick your credit card in a safe place to only be used for important purchases (ie not your wallet).If the card maker offers to increase your credit line accept it, this is an indication that your efforts are workingAvoid signing up for other cards, just keep that one. When building credit credit cards will only get your so farReally focus on saving with a goal of 6-10k in the bank you don't needOnce you get there buy a car with a loan in which you put at least 3k down. Auto loans are another great way to build credit, but don't do it until you have savings and can swing the payment.You do these things and have a solid plan for college loan debt if you have it you will be far better off than most twenty somethings and will likely be the first person in your group of friends to buy a house.
In which bank should I open a savings account, HDFC or Axis or ICICI?
HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai, Maharashtra. It has a presence in Bahrain, Hong Kong and Dubai. HDFC Bank is India’s largest private sector lender by assets. It is the largest bank in India by market capitalization. It was ranked 69th in 2016 BrandZ Top 100 Most Valuable Global Brands.It provides a number of products and services which includes Wholesale banking, Retail banking, Treasury, Auto (car) Loans, Two Wheeler Loans, Personal loans, Loan Against Property and Credit Cards.The latest entry in the league is 'Project AI', under which HDFC Bank, over the next few weeks, would deploy robots at select bank branches. These robots will offer options such as cash withdrawal or deposit, forex, fixed deposits and demat services displaying on the screen to persons coming into the branch.It offers various type of savings account, each with its vast features to offer you quick and convenient banking facility. The savings account provides an advantage to enjoy world class management services looked after by personal relationship manager.You can choose from a wide array of savings accounts to find one that matches your needs:Regular Savings AccountSavingMax AccountSalary Savings AccountNRI Savings AccountWomens Savings AccountKids Advantage AccountSenior Citizens AccountFamily Savings Group AccountBasic Savings Bank Deposit AccountGovernment/ Institutional Savings AccountBSBDA Small AccountSavings Farmers AccountRural AccountsPension AccountsFeatures:Wide network of branches and ATMs to meet all your banking needs.Wide range of International Debit cards as per your needs and avail a range of benefits.Great advantage of exclusive discounts & offers through online shopping portal -SmartBuyPersonalised cheques with your name printed on each cheque leaf for enhanced security.Free passbook facility for all account holders (individuals).Free Email Statement facility.Benefits:Use NetBanking, BillPay, PhoneBanking and MobileBanking for all your banking needs.Annual Maintenance Charge (AMC) waived off for the first year for the first new Demat account.Avail of facilities like Safe Deposit Lockers and Super Saver facilities on your Regular Savings Account.It offers lots of other benefits depending upon the type of account you choose.Click here to compare different types savings account.I hope now its easy for you to make the right decision.