Personal Advice & Planning Menu

Three Cs of Credit

Your credit score is a measure of factors that may affect your ability to repay credit. It’s a complex formula that takes into account how you’ve repaid previous loans, any outstanding debt, and your current salary.

A credit score is dynamic and can change positively or negatively depending upon how much debt you accrue and how you manage your bills. The factors that determine your credit score are called The Three C’s of Credit — Character, Capital and Capacity.

Character:

From your credit history, a lender may decide whether you possess the honesty and reliability to repay a debt. Considerations may include:

Capital:

A lender will want to know if you have valuable assets such as real estate, personal property, investments, or savings with which to repay debt if income is unavailable.

Capacity:

This refers to your ability to repay the debt. The lender will look to see if you have been working regularly in an occupation that is likely to provide enough income to support your credit use.

The following questions may help the lender determine this:

Source: Visa’s Practical Money Skills for LifeTM 1

You are about to enter a third-party website where all use is governed by that website’s terms and conditions and subject to its privacy and security policy and practices.
CONTINUE

Questions?

Email us

Or call

1.888.FC DIRECT (1.888.323.4732)

Learn more about Online Banking

Secure account access to keep your finances streamlined and organized

Learn More

Get the Mobile Banking app

Make deposits, pay bills, transfer funds and manage your account on the go

Learn More
Email your question or comment

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To get additional information or to send a comment about First Citizens Bank, our products and services, please complete the online form below.

* indicates required field

Request a Call

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

Would you like to know more about our products and services? Give us your name, phone number, area of interest and what time is convenient for you. We will have a qualified First Citizens associate contact you to answer your questions.

* indicates required field

Personalize Your Banking Experience

First Citizens Bank product offerings differ from region to region. In order to accurately display information on accounts, rates and special promotions specific to your area, please enter your 5-digit ZIP Code below.

Email

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To contact , please complete the following form.

* indicates required field

Deposit cash or checks without an envelope 24 hours a day, seven days a week

Learn more »

Please Upgrade your browser

Your Browser Is Not Supported – Please Upgrade

In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

We strongly recommend that you upgrade now.

If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.