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title: 1st Financial Bank USA | Apply Now
---

# It's Never Too Early to Start Building Your Credit History

**The Student Credit Card** from   
**1st Financial Bank USA** helps you improve your financial future with each purchase.

[APPLY NOW ](https://apply.1fbusa.com/card/apply/?cid=q4bB85&source=LPTOP&passRequestParamsThru=true) [WHY BUILD A CREDIT HISTORY? ](https://students.1fbusa.com/build-credit#build-credit)

![hero_wReader-1](https://students.1fbusa.com/hubfs/hero_wReader-1.png)

HERE FOR YOU

## Perks Designed For Student Life

### **Flexible Payment Options**

Pay your full balance, the minimum payment due, or any amount in between. It's up to you.

### **Instant Cash Access**

Don't let "Cash Only" signs stop you. Your card works at any ATM or bank with a Visa logo on it.

### **Protection From Scammers**

You're never responsible for unauthorized card use. If you didn't buy it, you won't pay for it.

### **Experts On Your Side**

We've been helping people improve their financial futures for over 110 years.

### **Easy Account Tracking**

Make payments and monitor spending from your phone with our mobile app.

### **Worldwide Acceptance**

Rely on your card when ordering books at home, shopping abroad, and just about anywhere else.

CREDIT SCORE TIPS

## Why Should You Build a Credit History?

Credit scores tell lenders how likely you are to pay back a loan. Having a good score makes it easier to do things like rent an apartment or buy a car.

These 3 tips can help you establish a good one:

![icons_1-StartEarly](https://students.1fbusa.com/hubfs/icons_1-StartEarly.svg)

#### Get Started Early

Lenders like seeing a history of credit activity.

![icons_2-TrackRecord](https://students.1fbusa.com/hubfs/icons_2-TrackRecord.svg)

#### Show a Good Track Record

Your credit score improves when you make payments on time.

![icons_3-LowBalance](https://students.1fbusa.com/hubfs/icons_3-LowBalance.svg)

#### Keep a Low Balance

Using too much of your available credit can lower your score.

![](https://students.1fbusa.com/hubfs/card-1.png)

## Start Your Credit Journey Today

[APPLY NOW ](https://apply.1fbusa.com/card/apply/?cid=q4bB85&source=LPMID&passRequestParamsThru=true)

WHY BUILD A CREDIT HISTORY WITH US

## What Our Cardmembers Are Saying

This card has been a great start to my financial freedom and helped me be more financially literate.

![icons_1-freedom](https://students.1fbusa.com/hubfs/icons_1-freedom.svg)

D'TERRAINIQUE

Been a member since 2017 and have had nothing but perfect customer service.

![icons_2-service](https://students.1fbusa.com/hubfs/icons_2-service.svg)

JACQUELINE

I used it to fill up my gas tank! I love that I am building my credit at a young age.

![icons_3-gas](https://students.1fbusa.com/hubfs/icons_3-gas.svg)

BROOKE

It is helping me build a good credit while also improving my personal responsibilities…I am so glad I applied.

![icons_2-build](https://students.1fbusa.com/hubfs/icons_2-build.svg)

BRYONNA