Frequently Asked Questions


If you still have questions, please contact a Simmons First location near you.

Simmons First Online Credit Card Site

Q:  What information is required on applications?
Q:   What is the interest rate on the Visa Platinum, Visa Platinum Rewards, and the Visa Classic and Gold cards?
Q:   Can the interest rate change?
Q:  What other costs are associated with the card?
Q:  Can I obtain cash with this card?
Q:  What if I am not a US citizen?
Q:  Is there a charge to receive additional card(s) on account?
Q:  Can I do balance transfers?
Q:  What is the fee for a balance transfer?
Q:  What hours can I call to check my balance?
Q:  Is my credit card information safe and secure on the Internet?
Q:   Can anyone else see my account information?
Q:  How can I make a payment to my credit card?
Q:  If I make a payment online or by phone, when will it post to my account?
Q:  How can I check my credit card balance?
Q:  What are e-Statements and how do I sign up?
Q:  How long will my e-Statement be available for viewing?
Q:  How can I change my address or phone number?

 

Q:  What information is required on applications?

A:Name, Address, Phone Number, Social Security Number, Number of years at current residence, Date of Birth Name of employer, Address, Phone Number, Number of Years Employed Gross Monthly Income, U.S. Citizen, Nearest Relative, Signature

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Q:  What is the interest rate on the Visa Platinum, Visa Platinum Rewards, and the Visa Classic and Gold cards?

A:  

  • Simmons First Visa Platinum 7.25% variable
    Simmons First Visa Platinum Rewards 9.25% variable
    Simmons First Classic Visa 10.25% variable
    Simmons First Visa Gold Select 10.25% variable

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Q:  Can the interest rate change

A:  Yes, the interest rate will vary with the market based on the Prime Rate. Changes in APRs (increases or decreases) due to changes in the Prime Rate will be effective on the first day of your next statement cycle beginning at least two days after the change in the Prime Rate.The Prime Rate is the prime rate published in the Money Rates column of The Wall Street Journal in effect for the second business day prior to the beginning of each statement cycle.

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Q:  What other costs are associated with the card?

A:

Late fee not to exceed $25.00.
Returned payment fee not to exceed $25.00.
Cash advance fee 3% of the amount, but not less than $4.00 nor more than $50.00.
Foreign transaction fee 2% of the purchase amount in US Dollars

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Q:  Can I obtain cash with this card?

A:  Yes, up to your available line of credit on a 24-hour basis from ATMs worldwide where Credit Cards are accepted.

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Q:  What if I am not a US citizen?

A:  You must be a US citizen to apply for a Simmons First Card.

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Q:  Is there a charge to receive additional card(s) on account?

A:  No.

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Q:  Can I do balance transfers?

A:  Yes.

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Q:  What is the fee for a balance transfer?

A:  None.

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Q:  What hours can I call to check my balance?

A:  

To speak with a customer service representative Monday – Friday 8:30 to 4:30 CST call 1-800-272-2102
Our automated system is available 24/7. Simply call 1-800-272-2102

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Q:  Is my credit card information safe and secure on the Internet?

A:  Yes. The security and privacy of your financial information is a priority with Simmons First. We utilize several features to help protect your privacy and limit the transfer of account numbers over the internet.

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Q:  Can anyone else see my account information?

A:  No. Only you can access your account information using your ID and password. Unless you share your log in information, no one else can access your account information online.

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Q:  How can I make a payment to my credit card?

A: 

You may pay at any Simmons First branch bank.

You may mail your payment to:

Bank Card Processing
PO Box 84071
Columbus Ga 31908-4071

You may send you payment by Priority or Overnight Mail to:
Simmons First Payment Processing
1030 5th Avenue
Columbus, GA 31901  

If you are enrolled in our online banking service, you can make a payment to your account through your online banking.
You may use our free automated pay by phone service by calling (800)-272-2102. (A $12.00 fee applies to Customer Service assisted pay by phone payments.)

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Q:  If I make a payment online or by phone, when will it post to my account?

A:  Payments received before 5:00 pm EST on a regular business day will post the same day. Payments received after 5:00 pm EST and payments received on Saturday and Sunday will post on the next business day.

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Q:  How can I check my credit card balance?

A: 

You may check your balance by phone by calling (800)-272-2102. Customer Service is available from 8:30 am to 4:30 pm CST. The automated system is available 24/7. Your balance is available through our online banking service 24/7.

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Q:  What are e-Statements and how do I sign up?

A:  

e-Statements are electronic versions of your paper bills you can receive through Simmons First Card Services Online. When you enroll in our online banking service, your account will be automatically enrolled for e-statements. You have the option to receive an e-mail notice when your statement becomes available. You also have the option to turn off paper statements.

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Q:  How long will my e-Statement be available for viewing?

A:  You can view your e-Statement online for 18 months.

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Q:  How can I change my address or phone number?

A:  You may use the address or phone change request on the back of the stub portion of your statement.
You may fax a written request to (870) 850-2563.
You may mail a written request to: Bank Card Center PO Box 6609 Pine Bluff, AR 71601

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