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SKIP A PAYMENT 2021 FAQ
 
1. Which month can I skip my credit card payment?
    Cardholders can skip their July credit card payment due in August 2021.
 
2.  Who can qualify to skip their credit card payment?
     To qualify, personal credit cards must be:
     - Active
     - In non-delinquent status
     - Have an outstanding balance within the Card Limit as at their July statement date
 
3.   Which credit card types qualify for the Skip A Payment offer?
      The following credit card types can qualify for the Skip A Payment offer:
 
Card Type
Payments that can be skipped
Visa Tertiary
Payment due on July 30, 2021 based on outstanding balance as at July 10, 2021 statement date
 
Visa Classic, Purple,  Mastercard Standard,
Visa 2 in 1
 
Payment due on August 2, 2021 based on outstanding balance as at July 13, 2021 statement date
Visa Gold, Platinum, Signature, Infinite, MasterCard Gold
 
Payment due on August 5, 2021 based on outstanding balance as at July 16, 2021 statement date
 
 
4.   If I skip my July payment due in August, when next will I need to make a payment?
      If you skip your credit card payment due in August, then your next payment due will be based on August’s statement and become due on September’s payment due date.
 
5.   How do I know if I qualify for the Skip a Payment offer?
     Qualifying credit cardholders have been notified of their eligibility via a printed message on their July’s credit card statement.
 
6.   Is it mandatory that I skip my credit card payment?
      Participation in this offer is voluntary. Credit cardholders who do not wish to participate may proceed to make payment(s), no less than the minimum payment on or before their due dates.
 
7.   What are the benefits if I skip my credit card payment?
      - Surplus cash in hand
      - There are no delinquency implications
      - There are no late charges
 
8.   Will I be charged interest if I skip my payment?
      Yes. Interest continues to accrue on your outstanding balance.
 
9.   What happens if I have a standing order to my credit card account?
      The standing order payment will be applied as scheduled. However, if you wish to skip your payment, kindly send us a Secure Message via Online Banking by clicking the “My Messages” tab and select “Send New Message” or email us at cardsales@firstcitizenstt.com.
 
10.  Will late charges be waived if I choose to accept this offer?
       Yes, late charges will be waived for your July payment due in August.
 
11.  How do I access further information about this offer?
       You can send us a Secure Message via Online Banking by clicking the “My   Messages” tab and select “Send New  Message” or email us   at cardsales@firstcitizenstt.com 
 
 
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