» American Savings Bank Credit Card
American Savings Bank Credit Card Review
American Savings Bank offers financial services and investment planning for the people of Hawaii, and in partnership with First Bankcard, this bank now is now offering credit cards. If you are a customer of this bank and are looking for a new credit card, or if you are simply searching around for a new bank card partnership, these cards are worth taking a look at. There are three choices available:
- Maximum Rewards Visa: This card offers you 1 point per dollar spent. Your points can be redeemed for a host of different rewards courtesy of the flexible Maximum Rewards Program. Introductory rates are available for 12 months. Standard rates range from 13.99% to 19.99%.
- Platinum Edition Visa: With a rate as low as 9.99%, this card may appeal to you if you just want low offers and also want to keep things simple. There are no rewards available, though there are introductory rates available for 12 months.
- Secured Visa: This is a fairly typical secured credit card that gives you a credit limit in return for a deposit. This card is flexible because you can increase your collateral deposit at any time. Automatic reporting is provided to the three major bureaus.
With an American Savings Bank Credit Card you will need to keep a close eye on your account and make sure that you keep up with your payments. Penalty APRs apply, which are up to 29.99% depending on your credit history. There are no annual fees to pay. The grace period lasts for at least 21 days.
Credit cards with American Savings Bank are issued by First Bankcard, a division of First National Bank of Omaha. A number of different payment options are available with this provider. Credit card customer services are available at 1-888-295-5540.
Online Payments: It is always important to keep on top of your credit card balance and manage your payments properly, and this is made easy with the online service available with First Bankcard. Once you have registered for this service you can make free single payments at any time or enroll in the monthly Autopay service. There is also a free Account Alerts service which you can use to ensure that you do not exceed your credit limit or miss a bill payment.