Business ProfileforFirst Bank & Trust

Extremely disappointed in this company. I started with a $3,500.00 credit limit and I have never missed a payment or paid late and I always paid the full balance. I had an identity theft which was reported to the police and credit bureaus as it dropped my score by 28 points. I received my monthly statement via email which showed my credit limit at $3,500 and the next day they dropped my limit to $1,050 without notifying me because of my credit score dropping (still a good score even with the drop). The only reason I noticed the limit decrease was because I went into the app to make a payment. It is obvious they don't look at the persons history with them, nor do they value your relationship as a good paying customer of theirs. I explained what happened and they still did nothing after being with them for 2 years. All my other credit card companies understood and didn't penalize me for the acts of a criminal stealing my identity. I definitely would not recommend this company to my worst enemy! I never would have thought I would be penalized for paying my balance in full and on time every month for 2 years! Won't be using their $1050.00 limit, as all my business will now go to my other credit companies.

Kathleen, thank you for taking the time to let us know about your experience. We are sorry to hear it did not meet expectations. We’ve noted your feedback and will share with the appropriate team. We will contact you directly to assist in resolving your issue. – First Bank & Trust