What the FPB Credit Card Is
FPB stands for First Peoples Bank, and their credit card is a standard unsecured credit card designed for people building or rebuilding credit. You get a credit line, make monthly payments, and the card reports to the three major credit bureaus—Equifax, Experian, and TransUnion. The card itself works like any other: you charge purchases, receive a statement, and pay what you owe.
The FPB card is not a secured card that requires a cash deposit, though First Peoples Bank does offer secured options if you need them. The terms—interest rate, credit limit, fees—depend on your credit profile at the time you submit your information. There is no single "FPB rate" that applies to everyone.
Key Takeaways
- The FPB credit card reports to all three credit bureaus, so on-time payments build your credit history over time.
- Your interest rate and credit limit are determined by your credit score and financial history, not set in advance for all cardholders.
- You can find the current terms, fees, and APR ranges on First Peoples Bank's website or by calling their customer service line.
- The card works best if you plan to pay your full balance or most of it each month, since the interest rate applies to any unpaid balance.
- You will need a Social Security number, proof of income or employment, and a valid mailing address to complete the process.
How to Get the FPB Credit Card
Start by visiting First Peoples Bank's website or calling their customer service number to request information about their current credit card offerings. They will ask you basic questions about your income, employment status, and whether you have existing accounts with them. If you are already a customer, the process may move faster.
You will need to provide your Social Security number so the bank can pull your credit report. Have your most recent pay stub or tax return available—the bank wants proof that you have income to support a credit line. If you are self-employed, a recent bank statement showing deposits may work instead.
Once you submit your information, the bank reviews your credit history and makes a decision. This typically takes a few business days. If approved, you will receive your card in the mail within one to two weeks. set up instructions come with the card or appear in your online account.
Understanding Your Credit Limit and Interest Rate
Your credit limit is not the same for everyone. It depends on your credit score, income, existing debt, and payment history. Someone with a score of 750 will receive a higher limit than someone with a score of 580. First Peoples Bank sets these limits based on their own underwriting rules, which they do not publish in detail.
The same is true for your interest rate, called the Annual Percentage Rate or APR. The bank publishes a range—for example, 18% to 28%—but your actual rate falls somewhere in that range based on your creditworthiness. You will see your exact rate in your approval letter or in your online account after approval.
If you carry a balance from month to month, interest accrues daily on that balance. If you pay your full statement balance by the due date each month, you pay no interest. This is called the grace period, and it applies to new purchases only—not to balances you already owe.
Fees You May Encounter
First Peoples Bank charges an annual fee for the credit card, though the amount varies depending on the card product and your credit profile. Some cardholders pay $25 to $50 per year; others may pay more or less. The annual fee appears on your first statement and every 12 months after that.
Late payment fees explore if your payment arrives after the due date. A missed payment also triggers a penalty APR, which is a higher interest rate applied to your balance. This rate can be significantly higher than your regular APR and may stay in place for six months or longer, depending on the card terms.
Other fees include cash advance fees (if you withdraw cash using your credit card at an ATM), foreign transaction fees (if you use the card outside the United States), and returned payment fees (if a check or electronic payment bounces). Review your cardholder agreement for the exact amounts, as these vary by card type.
How to set up and Use Your Card
When your card arrives, call the number on the back or log into your online account to set up it. The bank will ask you to verify your identity and confirm that you received the card. set up is when ready and takes about five minutes.
After set up, you can use the card anywhere Visa or Mastercard is accepted—whichever network your FPB card runs on. You can also set up automatic payments through your bank account to pay your bill each month, which helps you avoid late fees and keeps your payment history clean.
Log into your online account regularly to monitor your balance, review charges, and check your available credit. Most banks allow you to set up alerts so you receive a text or email when your balance reaches a certain amount or when your payment is due.
Building Credit With the FPB Card
The FPB card reports to all three credit bureaus each month, which means your payment history becomes part of your credit file. On-time payments build your score over time. Missed or late payments damage it and stay on your report for seven years.
Your credit utilization—the percentage of your credit limit that you are using—also affects your score. If your limit is $1,000 and you carry a $900 balance, your utilization is 90%, which hurts your score. Keeping your balance below 30% of your limit is better for your credit profile.
After 6 to 12 months of on-time payments, you may be able to request a credit limit increase. Some banks do this automatically; others require you to ask. A higher limit (assuming you do not use it) lowers your utilization ratio and can boost your score further.
What Happens If You Miss a Payment
If your payment is even one day late, the bank may report it to the credit bureaus. A single late payment can lower your score by 50 to 100 points, depending on your current score and payment history. The damage is worst if you have few accounts or a short credit history.
After 30 days late, the bank typically charges a late fee and may increase your interest rate to the penalty APR. After 60 days late, the situation worsens. After 180 days (six months) of non-payment, the bank may close your account and send it to a collection agency.
If you know you cannot make a payment on time, call the bank before the due date. Some banks offer hardship programs that temporarily lower your payment or interest rate. Asking in advance is always better than ignoring the bill.
Frequently Asked Questions
Can I use the FPB credit card right after I get it?
You must set up the card first, which you can do by phone or online as soon as it arrives. set up is when ready. After that, you can use it when ready at any merchant that accepts the card's network (Visa or Mastercard).
What credit score do I need to get approved?
First Peoples Bank does not publish a minimum credit score requirement. People with scores in the 600s have been approved, and people with scores in the 700s have been denied. Your income, existing debt, and payment history matter as much as your score.
Is there a grace period before interest starts?
Yes, if you pay your full statement balance by the due date, you pay no interest on new purchases. Interest only applies to balances you carry over from month to month. Cash advances do not have a grace period and begin accruing interest when ready.
Can I request a higher credit limit?
Most cardholders can request a limit increase after six months of on-time payments. You can ask by phone or through your online account. The bank may approve it when ready, deny it, or ask for updated income information before deciding.
What should I do if I see a charge I did not make?
Contact First Peoples Bank's fraud department when ready by calling the number on the back of your card. Report the unauthorized charge and ask them to investigate. The bank will typically remove the charge while they look into it, and you will not owe interest on that amount.