What to Do When You Can’t Pay Your First National Credit Card Bill
The First National Credit Card is a product of First National Bank of Omaha, a financial institution based in Nebraska. For more than 150 years, First National has been a pillar for the residents in and around Omaha. The company currently has affiliates in 35 states across the country. The available First National Credit Cards include:
- First National Bank of Omaha American Express Card
- First National Bank of Omaha Graphite American Express Card
- First National Bank of Omaha Discover Card
- Maximum Rewards Platinum Edition Visa Card
- Platinum Edition Visa Card
- Platinum Edition MasterCard Card
How to Pay the Bill
When you need to make a First National Credit Card bill payment, you can utilize the following services.
Pay online: Customers can pay your First National Credit Card bill online by visiting https://www.firstnational.com/iwsOnline/public/authenticate/logonPage.do. online bill payment is free.
Pay by mail: Send your First National Credit Card bill payment to:
Bankcard Payment Processing
P.O. Box 2557
Omaha, NE 68103-2557
Bankcard Payment Processing
Attn: Express Payments
1620 Dodge St.
Omaha, NE 68197-2210
Pay by phone: Call 1-888-530-3626 and follow the prompts to pay your bill by phone.
Automatic draft: Schedule your First National Credit Card bill payment and avoid late payment charges by signing up for automatic draft from your bank account.
Questions About Your Billing Statement or Account?
Do you really know how the penalty fees work as they relate to your First National Credit Card account? Although the company sends you limited information when you activate your card, you may need additional information. You should call customer service at 1-888-530-3626. Another option is to review the First National Credit Card Terms and Conditions.
How the Penalty Fees Work
Customers should realize that your First National Credit Card is not without service charges and fees. The penalty fees are assessed to you on a monthly basis or on a non-recurring basis. The fees include:
- APR – 13.99% to 17.99% (penalty rate of 29.99%)
- Replacement card – $10
- Balance transfer – 5% of the transaction or $10
- Cash advance – 5% of the advance or $15
- Cash equivalent – 5% of the transaction or $15
- Late payment – $35
- Returned payment – $35
I Can’t Make a Payment
When customers can’t pay your bill, you should contact customer service at 1-888-530-3626 prior to receiving a late payment charge. The representative will discuss the following programs and services available to you.
- Payment plans
- Credit counseling
- Extended due date
- Interest-free payments
Will They Work With Me to Pay My Bill?
Assistance is available in different forms from the First National Credit Card. Did you benefit from the services available or did the company not offer you support in your time of need? We want to hear from you. Share your thoughts and concerns about the First National Credit Card below.