With a manageable limit and low payment options, the Farmers Bank & Trust Foundation Credit Card can help you build or establish credit. In addition, view your transactions and make payments easily via MyFarmers Online or Mobile Banking. Apply online today, below!

Know your Score
Your credit score is configured using the information in your credit report and outlines the risk of doing business with you. A higher credit score generally represents lower risk. To check your risk, request your credit score when you order your credit report. You will receive an explanation of what the score means and what is affecting your score. 

Keep Credit Card Balances Low
High outstanding debt results in a high utilization rate, or balance-to-limit ratio, making you appear to be an increased credit risk. Keeping your balances low compared to your overall credit limit shows that you are less likely to charge more than you can pay and can handle larger amounts of available credit.

Set Up a Budget and Live Within It
You should never use credit to live beyond your means. Set a budget and live within it. By doing so you will avoid using credit to overextend yourself.

Pay Your Bills on Time
Delinquencies, or late payments, negatively impact your credit scores and affect your ability to get credit. Multiple delinquencies could indicate a stronger likelihood that you will make late payments again or will be unable to pay your debts in the future. If you fall behind on your payments, contact your lenders, and ask if they will work with you to set up a different payment schedule or interest rate.

Open New Credit Accounts Only When Needed
Each time you apply and open new credit accounts, an inquiry shows on your credit report. Recent inquiries indicate you may have taken on new debt that isn’t yet showing on your credit report.  Several inquiries in a short time might suggest you are trying to live on borrowed money. 

*Potential to Promote
With a history of responsible credit use and timely payments, you could be considered for the Farmers Bank & Trust Personal Credit Card and receive a lower APR and Rewards. *Ability to promote to the Farmers Bank & Trust Personal Credit Card within 1 year. Must have six or more valid transactions and no delinquencies.

Important Phone Numbers
  • 24/7 Service Number: 800-944-2726
  • Lost or Stolen Card Service Number: 866-563-1335

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

** If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due.

All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In accordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions, business strategies, or for any reason.