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Credit Card

How do I transfer balances from other credit cards to my First Internet Bank credit card?

You may transfer balances from other credit cards up to the available credit on your First Internet Bank credit card. There is a balance transfer fee of 3.00%, but interest will begin to accrue on the transfer amount immediately. (There is no grace period on balance transfers.) You may request a balance transfer when you apply for a First Internet Bank credit card. If you already have a First Internet Bank credit card, log in to your online banking account, click Additional Services and select Request Balance Transfers.

If you do not have online banking access, call a Relationship Banker at 1-888-873-3424 or fax to 1-888-644-8678 your name, account or card number, company name holding the account to be transferred (if applicable), payment mailing address and dollar amount to be transferred.

What is the billing cycle for First Internet Bank credit cards?

The billing cycle begins on the sixth (6th) day of the month and ends on the fifth (5th) day of the following month. Payment due will be a minimum of 25 days after the close of each billing cycle.

 

I’d like to request an increase to the limit on my First Internet Bank credit card. How do I do that?

To request an increase to your credit card limit, you’ll need to complete a credit limit increase form. Log in to your online banking account, click Additional Services and select Request Credit Limit Increase.

I paid my Visa balance in full before the due date but was charged finance charges. Why?

If you opened a First Internet Bank credit card, finance charges are assessed on cash advance and balance transfer amounts, and there is no grace period on these types of transactions. You could also owe a finance charge if you did not pay the balance in full on the previous statement cycle.