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Credit Cards

What is a credit card, how does a credit card work?

A credit card is a type of payment card in which charges are made against a line of credit instead of your deposit accounts (checking and savings accounts). When you use a credit card to make a purchase, that line of credit account accrues a balance that must be paid off each month. If the balance accrued during the billing cycle is not paid off in full and on time, interest charges and late fees will be charged to the account. The line of credit is subject to credit qualification and approval.

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Credit Card Balance Transfer(s) Form

If you have an existing FirstLight credit card and would like to transfer a non-FirstLight balance to your credit card such as balances from other credit card companies, financial institutions, or department store credit cards, simply click on the link below, fill in the form, print it out, verify all the entered information is correct and sign the form 3 . The completed form can be sent via secure email by logging into Online Banking and selecting Secure Email under the Support option on the top right of your screen from your desktop. The form may also be faxed along with a copy of your valid I.D. to (915) 745-4115, drop off at any of our branch locations or mail to:

FirstLight Federal Credit Union
PO Box 4798
El Paso, TX 79914-4798

Click here for a printable PDF version of a Balance Transfer Form

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Disclosures

1 Introductory APR rates are for new qualifying members for a period of 12 billing cycles; after that the rate will return to its standard rate. Standard rates range between 14.99% and 18%. Subject to credit approval. Certain restrictions apply.

2 APR=Annual Percentage Rate

3 Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Existing FirstLight FCU loans or credit cards will not be eligible for balance transfers. FirstLight FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Each balance transfer will be treated as a purchase as described in your Credit Card Agreement and is subject to credit availability. If there is a balance transfer promotion, any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum payments will be applied to any balance at the lower rate before being applied to balances at the card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. If you have not activated your credit card, please call 1.888.691.8661 to do so. Please be sure to read the Credit Card Agreement and Account Opening Disclosures for more details. Remember, FirstLight Federal Credit Union is here for you as we help you find more ways to move beyond banking!

4 Membership eligibility applies. All loans are subject to approval. Other restrictions may apply. FirstLight is an Equal Opportunity Lender.

5 All loans are subject to credit qualification and approval. Mortgage loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply. Equal Housing Lender.