Frequently Asked Questions

Personal Credit Cards

How do I apply for a credit card?
If you have a current banking relationship with First Citizens, you can apply online by completing our easy and secure online application. If you are a new customer, visit a branch near you or call 1.888.FC DIRECT (1.888.323.4732) to apply.
How can I make payments on my credit card?
It's easy. We provide several convenient payment options:
  • Use Digital Banking or Mobile & Tablet Banking to transfer money from another First Citizens account to your credit card account
  • Call 1.888.FC DIRECT (1.888.323.4732) to make a payment over the phone
  • Drop off your payment at your local branch
  • Send your payment to First Citizens Bank, PO Box 63001, Charlotte, NC 28263-3001
Am I able to access my credit card information online?
Yes. You can access your First Citizens credit card information online through Digital Banking. You can view your current account status and review 6 months' worth of transaction history. You can also access account information and view recent transactions in Mobile & Tablet Banking.
What is an APR?
An APR, or annual percentage rate, represents the cost of credit on a yearly basis.
What is Visa Signature?
First Citizens Rewards® consumer cardholders who have a credit line of $5,000 or more, are automatically upgraded to Visa Signature status and have access to enhanced benefits.
What can I do to protect my account information?
Before you sign on or off of your computer, make sure no one but you can see your login information. Keep all documents that have your account information (such as your bank statements) in a safe and secure place (such as a locked desk drawer or filing cabinet). And never share your login or account information with anyone.
If I pay my credit card online, when can I expect the payment to post to my account?
When you pay your First Citizens credit card bill online from a First Citizens account, any payment funds transferred before 11:59 p.m. (even on weekends and holidays) are credited the same day. Your updated account balance and availability of funds could take 2 business days. When you pay your First Citizens credit card bill online from a non-First Citizens checking or savings account, the payment will be requested within 24 hours after you submit the payment online.
Can other people see my account information?
No. Only you can access your financial account information using your Customer ID and Password.
What should I do if I think my credit card account number is being used in a fraudulent way?
Contact the merchant where the potentially fraudulent activity took place and call us at 1.800.763.0356 as soon as you realize the problem. It may be that the merchant can simply adjust an incorrect charge, or it may be a case of identity theft, which we would need to know about immediately.
If I have a question regarding my credit card, whom do I contact?
Please call our personal credit card customer service team at 1.800.763.0356.
How do I dispute a charge that appears on my credit card?
Fill out our Credit Card Transaction Dispute Form, P D F opens in a new window and mail it to First Citizens Bank, PO Box 1580, Roanoke, VA 24007-1580.
Can I learn more about the First Citizens Rewards® program before applying?
Yes. You can visit, Opens in a new window at any time to learn about the different program options and how you are able to pool, gift and even purchase points. You can also browse through the many rewards categories we offer including digital rewards, gift cards, merchandise and more.
If I have questions related to my point balance on my First Citizens Rewards® account, whom do I contact?
Contact the First Citizens Rewards® Center at 1.866.645.1694. Customer Service Representatives are available 7 days a week between the hours of 7:00 a.m. and 11:00 p.m. Eastern time. You may also access your account at, Opens in a new window.
What is chip technology?
Our First Citizens Visa Credit Cards are now chip-enabled, providing enhanced security and global acceptance. Visit for more information.

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