1st Financial Bank USA Credit Card

iceefreshjimmy · 02-22-2008, 03:10 AM

Hey guys, I'm curious if any of you college and university students out there have a credit from this company. I'm not promoting this company or anything, the reason why I am curious is because today I received a nice fat statement in the mail from 1FBUSA showing my balance to be near $1,200.00, but the strange thing is that I have always carried a balance of $0... and I also chopped up this credit card back in October/November 2007!!

Another weird thing, last month of January, 1FBUSA called me asking if I changed my personal address to some address in Ohio, I told them no, I've stayed in Los Angeles all my life. They changed it for me, but they couldn't figure out who changed my credit card's personal info address to some place in Ohio.

So I'm getting a little skeptical that someone used my credit card for fraudulent purposes...

jamb · 02-22-2008, 03:21 AM

sounds like identity theft for me, get a copy of ypur credit report right away...

chrisM6 · 02-22-2008, 01:03 PM

I have 1FBUSA Ive been with them for about 2 years now and I was actually a victim of credit card fraud when someone some how got my credit card number and bought a first class ticket from NY to Miami and stayed 1 night in one of the best hotels on the beach. I dont know how this happened but 1st financial bank gave me my money back, the funny thing is that the amount was also $1,200.

Hawkeye · 02-22-2008, 02:13 PM

Yeah, this is not something you post about, just take immediate action and let us know how it turns out after the fact.

JayeJaymes · 02-22-2008, 03:45 PM

man, i always get offers from these guys for a credit line, but i never really hear about them so i always toss thier mail

stooken · 02-22-2008, 03:48 PM

yeah you need to get a full credit report and go over everything. report everything that looks suspicious and put an alert out on your social security number.

this will cause a few speed bumps for you when you apply for new cards/loans but it's only to protect you.

OC Guy · 02-22-2008, 03:48 PM

Run a credit report check man. You are entitled to a free one every year. Google it.

stooken · 02-22-2008, 03:51 PM

Quote:

Originally Posted by OC 335i

Run a credit report check man. You are entitled to a free one every year. Google it.

www.freecreditreport.com

OC Guy · 02-22-2008, 03:53 PM

Quote:

Originally Posted by stooken

www.freecreditreport.com

Someone took my advice.

stooken · 02-22-2008, 03:54 PM

Quote:

Originally Posted by OC 335i

Someone took my advice.

LOL no i already knew about it. used it once.

OC Guy · 02-22-2008, 03:55 PM

Quote:

Originally Posted by stooken

LOL no i already knew about it. used it once.

Like Long would say,

SAO!

stooken · 02-22-2008, 03:57 PM

Quote:

Originally Posted by OC 335i

Like Long would say,

SAO!

I NO SAO! I TELL DA TRUE!

OC Guy · 02-22-2008, 03:59 PM

Quote:

Originally Posted by stooken

I NO SAO! I TELL DA TRUE!

hahaha

stooken · 02-22-2008, 04:07 PM

Quote:

Originally Posted by OC 335i

hahaha

i guess you're vietnamese. only a vietnamese person would understand that

iceefreshjimmy · 05-13-2008, 02:33 AM

alright thanks for the info guys, my dispute case ended a couple days ago. i'll definitely jump on that credit report!! tyty

san~man · 05-13-2008, 03:39 AM

Make sure you file a "Fraud alert" on Experian.com/Transunion.con/Equifax.com (one of the three).

hotsand5 · 05-13-2008, 04:52 PM

I have that credit card, and have had it for about 5 years.

Positive: Low interest rates, $17k credit limit, longer grace period, an option to carry a balance, but pay nothing once every other month (of course, interest continues).

Negative: Customer service does not work on weekends, nor after 6pm on weekends.

335i4u2nv · 05-13-2008, 04:59 PM

i threw mine out after it expired and never activated the new one

02-22-2008, 03:10 AM	#1
iceefreshjimmy CUSTOM JEWELER 39 Rep 283 Posts Drives: Black 335i E92 Join Date: Feb 2007 Location: LOS ANGELES, CA iTrader: (1)	1st Financial Bank USA Credit Card Hey guys, I'm curious if any of you college and university students out there have a credit from this company. I'm not promoting this company or anything, the reason why I am curious is because today I received a nice fat statement in the mail from 1FBUSA showing my balance to be near $1,200.00, but the strange thing is that I have always carried a balance of $0... and I also chopped up this credit card back in October/November 2007!! Another weird thing, last month of January, 1FBUSA called me asking if I changed my personal address to some address in Ohio, I told them no, I've stayed in Los Angeles all my life. They changed it for me, but they couldn't figure out who changed my credit card's personal info address to some place in Ohio. So I'm getting a little skeptical that someone used my credit card for fraudulent purposes... __________________ www.iceefresh.com Riss Racing V2 All The Way - www.RissRacing.com
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02-22-2008, 03:21 AM	#2
jamb Lieutenant 15 Rep 465 Posts Drives: Driving u crazy Join Date: Apr 2006 Location: USA iTrader: (4) Garage List 2006 325i [0.00]	sounds like identity theft for me, get a copy of ypur credit report right away... __________________ BMW E90 325i Monaco Blue - Beige Dakota, Steptronic, Premium Package, Adaptive Xenons MODS: AC Schnitzer Body Kit, 19" CSL Wheels, Quad Exhaust ,Aluminum Pedals and an E92
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02-22-2008, 01:03 PM	#3
chrisM6 Private First Class 86 Rep 116 Posts Drives: Red E92 M3 Join Date: Sep 2007 Location: Miami, Florida iTrader: (1)	I have 1FBUSA Ive been with them for about 2 years now and I was actually a victim of credit card fraud when someone some how got my credit card number and bought a first class ticket from NY to Miami and stayed 1 night in one of the best hotels on the beach. I dont know how this happened but 1st financial bank gave me my money back, the funny thing is that the amount was also $1,200.
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02-22-2008, 02:13 PM	#4
Hawkeye Brigadier General 2065 Rep 4,365 Posts Drives: '07 Z4 Coupe, '21 X3, '16 GMC Join Date: Aug 2007 Location: Iowa iTrader: (0) Garage List 2016 GMC Sierra SLT [10.00] 2008 Yamaha R6 [9.00]	Yeah, this is not something you post about, just take immediate action and let us know how it turns out after the fact. __________________ 2007 Z4 3.0si Coupe • 6 MT • Black Saphire Metallic • PP • SP 2016 GMC Sierra SLT Z71 Premium Plus 4x4 2017 Harley StreetGlide • Denim Black • V&H Tune 2021 BMW x30i • Phytonic Blue Metallic • Fully loaded
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02-22-2008, 03:45 PM	#5
JayeJaymes Alien 52 Rep 1,190 Posts Drives: YMB 2016 M4 Join Date: Jul 2007 Location: AZ iTrader: (8) Garage List 2007 BMW 335i [0.00] 2011 M3 [0.00] 2016 M4 [0.00]	man, i always get offers from these guys for a credit line, but i never really hear about them so i always toss thier mail
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02-22-2008, 03:48 PM	#6
stooken Brigadier General 186 Rep 4,243 Posts Drives: E70 X5 Join Date: Apr 2007 Location: NOR*CAL iTrader: (2)	yeah you need to get a full credit report and go over everything. report everything that looks suspicious and put an alert out on your social security number. this will cause a few speed bumps for you when you apply for new cards/loans but it's only to protect you. __________________ 2010 E92 BSM 335i \| M-Sport \| ST Coils \| Linea Corse Lemans \| Cobb AP \| BMS DCI \| Cyba Tips
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02-22-2008, 03:48 PM	#7
OC Guy General 559 Rep 18,123 Posts Drives: AW 335D E90 Join Date: Oct 2006 Location: Irvine/Aliso Viejo, CA iTrader: (9) Garage List 2007 335i [0.00]	Run a credit report check man. You are entitled to a free one every year. Google it. __________________ Current: 2010 Alpine White 335D LCI l 19" BBS LMs l KW V2 Coilovers l BMW Performance Grilles l MSport Front/Rear l Karbonwerke Trunk l F1 Pinnacle Tint 35% Former: E92 Space Grey 335i Latest pics
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05-13-2008, 02:33 AM	#15
iceefreshjimmy CUSTOM JEWELER 39 Rep 283 Posts Drives: Black 335i E92 Join Date: Feb 2007 Location: LOS ANGELES, CA iTrader: (1)	alright thanks for the info guys, my dispute case ended a couple days ago. i'll definitely jump on that credit report!! tyty __________________ www.iceefresh.com Riss Racing V2 All The Way - www.RissRacing.com
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05-13-2008, 03:39 AM	#16
san~man Tired 136 Rep 2,673 Posts Drives: BMW-less Join Date: Nov 2007 Location: USA iTrader: (7)	Make sure you file a "Fraud alert" on Experian.com/Transunion.con/Equifax.com (one of the three). __________________ BMW-less
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05-13-2008, 04:52 PM	#17
hotsand5 hotsand5 50 Rep 806 Posts Drives: 2006 BMW 330i 6spd Join Date: Nov 2005 Location: chicago iTrader: (0) Garage List 2006 330i [0.00]	I have that credit card, and have had it for about 5 years. Positive: Low interest rates, $17k credit limit, longer grace period, an option to carry a balance, but pay nothing once every other month (of course, interest continues). Negative: Customer service does not work on weekends, nor after 6pm on weekends. __________________ -2006 BMW 330i-Sapphire Black- Tera Leather-Aluminum trim- 6spd manual- Sport- Premium- Cold- Navigation- Euro. delivery -2005 Yamaha Warrior 1700 102cu"
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05-13-2008, 04:59 PM	#18
335i4u2nv Colonel 69 Rep 2,765 Posts Drives: 335i e9O sL0w Join Date: Apr 2007 Location: im right behind u iTrader: (0)	i threw mine out after it expired and never activated the new one __________________ "dat ***** is doin like 2 bills." Translation: That black guy is doing 200 miles per hour
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