FirstLight Federal Credit Union - Frequently Asked Questions

Credit Cards
	Can I open a new credit card and payoff my old card balance with it?
	You can't pay one FirstLight credit card with another FirstLight credit card.
	Do our credit cards have a grace period?
	Yes,there is a 25 day grace period on purchases only. If a member pays off thier entire balance on purchases by the due date, they are not charged interest charges.
	Does the 5% higher rate a member is charged under penalty pricing remain fixed permanently?
	No, if the member makes three consecutive payments on time, then our vendor will restore their rate to the original base rate.
	When are new and converted CURewards card holders able to redeem their points?
	New and converted cardholders may begin to redeem their points once they reach the first redemption level, which is 2,500 points
	Do balance transfers qualify for points under the CURewards program?
	No they do not qualify for points.
	Can one use cash to complete a purchase with their CU Rewards Card?
	No. Our credit card vendor does not allow buy ups of any kind.
	How can I dispute a charge on my Credit Card?
	A Credit Card Dispute Form must be printed out, signed & mailed to the FirstLight Federal Credit Union Compliance Department. Adobe Acrobat Reader is required to view & print this form. If you have any questions regarding the dispute feel free to contact the Compliance Department at 800-351-1670 or 915-562-1172.

First Light Federal Credit Union