I used this card for my business. If you don't mail the bill 7 days or more before the due date, you will have a late payment. I verified this by getting a list of my payment dates from them and guess what, all the times I mailed it 5 days before due date have destroyed my company's PayDex rating as this was my only trade account. Pretty pathetic considering D&B rates 7 days past due as the national average. And the 2 other businesses I own that I use Chase and Bank of America for have credit ratings in the mid 80's....needless to say I had a discussion with my local bank on their business product line, which this card is a part of. They are not happy. Moral of the story, read the fine print and check the grace period. Also don't believe your favorite bank wouldn't put a piece of garbage like this in the business product mix. They are not watching your PayDex score, you should be and checking it monthly itstead of waiting a year like I did!

Don't get to within a hundred dollars of your limit. They doubled my rate to 25%.

This card holds many great advantages comapared to the other credit cards that are offered today. The rates associated with this card are comparible to the other cards you can recieve but the best thing about this group of individuals is that the customer service is above average to say the least. I once had a problem with an unauthorized purchase that was above average in dollars than normal. I was helped promptly when I called the toll free help line and was soon assisted by a real person with real answers. She was great! The company held my hand through the entire horrible ordeal, and in the end I was so impressed that I could not wait to give them the review that they deserve! Thank You! I was so scared that my credit and reputaion would be shot. I would highly recomend them for this service alone. I do not think that I will ever switch cards. I am comfortable with the company and access to you account is so convient. I can get to my money anywhere. Thank You again.

I think its good for people just starting out

I've been carrying the First Bankcard Visa for almost two years. I pay it off at the end of the month and get charged no interest. Also, I get back about $200 every year as a rebate. It's an awesome card.