First Electronic Bank is headquartered in Salt Lake City, Utah and is an FDIC-insured, state-chartered industrial bank that offers closed-end and revolving private-label bank card financing programs through strategic partners. Each program is tailored to the strategic partner’s customer base to provide consumer and commercial financing solutions.
First Electronic Bank Reviews
5
13%
4
65%
3
13%
2
5%
1
4%
3.8
239 reviews
239 reviews
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First Electronic Bank
Jamie York @jamie15146
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1 Star Rating
Company full of Fraudulent and Illicit activities. Woke up this morning to a 28-point credit score hit from this credit card company that I've never heard of, much less applied for. Apparently, their cards are for people with bad credit, which does not apply to me since I had a credit score of 802. Their customer service is full of individuals who barely speak English and answer the phone with a simple "Hello," refusing to transfer me to a supervisor and then just hanging up on me. When I called back requesting to speak with the fraud department, the phone was handed to a woman who pretended to be a fraud investigator, but when I asked for her job title, she admitted she is a customer support representative and hung up. I have filed complaints with the FTC, Oregon, and Utah State Attorney General's offices. I'm also writing reviews online. People, please check your credit reports; Concora Credit will let anyone fill out a credit application without verification, resulting in a hard inquiry on your credit file. You will also need to file a local police report because TransUnion will require that for the dispute. I sincerely hope Concora Credit and First Electronic Bank, also known as FEB/Destiny, go bankrupt and insolvent, impacting those responsible, particularly in customer service.
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First Electronic Bank
Jonathan David Willis @JDWillis
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4 Star Rating
Verified Customer
High interest rate, but handy to have for Brooks Brothers sales at their convenient airport locations, in particular. Better to have the Brooks Brothers Mastercard.
Got this card back in 2015 in order to get discount on men’s suit purchase. The card promises additional points, but not reward them - my plan is to delete this card.
Easy to use but apr is way too high Regardless of credit standing. Some day when people use a regular cc at 10.99 instead of the bb card they may change
Great experience with them. Too bad they closed all their stores. Hopefully they can open again some day. Never had an issue with account.
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First Electronic Bank
Eric Price @ejpric4j
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5 Star Rating
Verified Customer
Very new to the app great so far love the daily updates also the offers they provide lots of features included very cool app I put this right next to the Experian app as far as quality
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First Electronic Bank
William Johnsonston @williamj_18
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1 Star Rating
Brook Brothers Clothes are expensive, and they all made from China. Comparing with Saks Off 5th, I believed I can buy similar dress shirts for little less for brand names, and made in Italy. Last year, when I received Brook Brothers card whenever I spent money at the store, I paid the amount in full within 30 days. This year, toward the end of May, I ordered some shirts and the total amount over the card limit of 68cents, and the card didn't approve. Instead of sending the email to let me know right away, they were let me hanging out there for 7 days. Finally, I received the noticed from Brook Brothers that they couldn't approved(remember over limit for 68 cents!!!!!). I called them for additional card in the amount of 68cents, and yet I still haven't received any notification since yesterday. I was thinking if this table turn around, and if for some reasons I pay my bill late for one day they would charged me $35 late fee in new York minutes instead of delay and without notification. This Brook Brothers card is partnering with Citibank retailer division. Citibank is not very good of customer service and not very good bank to beginning with. Therefore, I give this card and Brook Brothers no stars if I can. I highly recommended not applying for Brook Brothers card and shopping with Brook Brothers. Their customer services at the stores are not that good anyway.
The Brooks Brothers MasterCard is a decent credit card overall; however, the rewards program can be beat with other more lucrative cards on the market. Brooks Brothers offers rewards that are equivalent to a $20 certificate for every 2,000 points accumulated on the card. Points are accumulated at 4 for 1 for money spent at BB and at an even 1 to 1 for purchases outside of BB. This is not really a great reward all things considered. You would be better off getting an Amazon rewards card, which offers tiered rewards for restaurants and gasoline as well as Amazon purchases. The best reason to hold the BB card is to get special pricing several times a year. The latest program provided a 25% discount on all purchases--online or in the store. This can be a significant savings. I would suggest getting the BB card for this reason, but seek out another alternative for better overall rewards.
The Brooks Bothers Credit Card is my primary go to card whenever I need to make a purchase. The rewards I receive this just can't be beat by anything else I have. Their website goes above and beyond to help you understand your spending habits and show you ways to improve. If you are eligible, you should definitely apply for this card.
I have had a Brooks Brother credit card for many years. Now all of the sudden the Brooks Brother card changed banks. Today I tried to use my card with is no longer working. I informed Citibank who now sponsors the card. They said the new cards were sent out 10-15 days ago. I don't have y card and have many automatic payments on the card. Brooks Brothers was no help either!. My rating NO stars but I am giving them a one. Really poor customer service. Just a real inconvenience as I am now moving on to a new credit card company because neither Citibank nor Brooks Brothers cares about their customers.
The Brooks Brothers Credit Card has the rewards that make customers stick to it unlike many major store credit cards. When you buy the card you are offered an uncommon discount that is enough to boost the morale of shoppers. It offers competitive royalties in points and this gives it the most competitive edge. I recommend it wherever I go as it carries advantage over other major stores in the likes of Walmart.
The Brooks Brothers Credit Card has great benefits and offers a variety of different ways to get perks. Between the $20 birthday reward, racking up rewards with every dollar spent whether it be within a Brooks Brothers or outside, special cardholder events throughout the year, and the discount given on the first purchase of the card, I don't know if there are many "store" cards that match this. The only downfall would be the interest rate if you do not qualify for the lowest amount. Also not offering a 0% interest deferment is something that, for instance, the Guitar Center Credit Card offers for 18 months, which can be seen as a negative. Overall, though, I would highly recommend this year for those that love shopping at Brooks Brothers or for those looking to start!
This card seems decent, especially for Brooks Brothers shoppers. 1% cash back on purchases outside of Brooks Brothers seems decent, until you factor in that you have to spend at least $2,000 to receive the reward. I have other cards with cash back that I receive the reward sooner. It is easy to spend $500 at Brooks Brothers, but 4% cash back on in store purchases seems a little low. I would have expected at least 5% and maybe even 10% from a store card. The biggest sell would be the cardholder events, but that depends on the quality of the events. I would also give this card an additional half-star for the birthday reward, if that option were available.
Wow! This looks like a great card for people who shop regularly at Brooks Brothers. There are so many rewards; 4 points for every $1 spend on BB online is just fantastic! I used to have a chase card that offered 5% back on certain purchases, but they took that away a few years ago. The fact that you earn great rewards at BB and also can earn gift cards for others stores is great! My concern with it is the regular APR rate – both my cards with Chase have lower percentages, one being 9% which could make a bigger difference than the higher rewards that the Brooks Brothers Credit Card offers. Another downside is that there is no smart chip. I like having that with my other credit cards.
The Brooks Brothers Credit has really great awards such as a max of 4 points per dollar spent and a minimum of one point which is similar to most major credit cards. The $20 reward on your first purchase outside of Brooks Brothers alone is a reason to sign up. I have a J Crew Credit Card which has similar rewards such as 15% off your first purchase but has some slightly higher rewards such as $25 Rewards Card for every $500 you spend. You also get a surprise on your birthday and select sales and events only available for card members. I think the cards are similar but I prefer the Brooks Brothers because you get great rewards for shopping outside of Brooks Brothers such as $20 reward for every $2000 spent on outside purchases.
Get answers to your questions about First Electronic Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The credit score you need for a Brooks Brothers Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Brooks Brothers Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it's best to wait to apply until you meet the Brooks Brothers Credit Card credit score requirement. You can check your credit score for free on WalletHub.
You can set up autopay for your Westgate Resorts Credit Card through your online account or the issuer's mobile app for iOS and Android. Once you're enrolled, the issuer will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Westgate Resorts Credit Card Automatic Payments Online
Visit the Westgate Resorts Credit Cardlogin page and enter your phone number.
Enter the six-digit number you received via SMS and log in to your account.
There is no specification of what credit score is needed for the First Electronic Bank credit card. Based on customer reviews, you need to have at least fair credit in order to get approved.
But currently you cannot apply for this credit card.
If you're interested in other store cards, check out this list.
No, you cannot use your First Electronic Bank credit card anywhere. This retail credit card is issued for Fry's Electronics, operating 34 large retail stores in 9 states.
Usually, it doesn't take more than a few minutes to get approved for the Westgate Resorts Credit Card. If the issuer can verify your identity, you'll receive an instant decision about your application.
Otherwise, it can take up to 10 business days to receive an answer. If it's been more than that and you still don't know if you've been approved or denied, call (866) 886-1013 to find out the status of your application.
You need a credit score of 700 or better for the Westgate Resorts Credit Card. That means people with good credit or better have a shot at getting approved for the card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the card. Some other key criteria include your income, existing debt load, number of open accounts, recent credit...
There is no disclosed starting credit limit for the Brooks Brothers Credit Card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
That said, the Brooks Brothers Credit Card credit limit that you start with won't necessarily be your credit line forever. You can ask...
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