What is the difference between a loan and a line of credit?

/*-->*/ /*-->*/ A line of credit is similar to a credit card in that it is a flexible borrowing solution. You can draw on this revolving loan simply by writing a check. You are also able to borrow any part of your credit line again once you have repaid it. There are no payments until you use your line. For more information, browse our options on loans and lines of credit.

What is the best borrowing option for me?

/*-->*/ /*-->*/ First, determine your needs. Do you need to borrow a large amount? Do you want to make set payments? Do you have property to leverage your credit? Do you want extra money just in case? Our handy calculators can help give you an idea of what loan option is right for you. For a more customized analysis of what loan option is best, talk to a First Hawaiian Banker today or call 643-LOAN (5626).

How could I reduce my debt?

/*-->*/ /*-->*/ You can manage your debt by consolidating your various debt (loans, line of credit, credit card balances, etc.) into one loan, usually at a lower rate. As a result, you will have just one payment to deal with and you may find it easier to pay off your debt more quickly. First Hawaiian Bank offers many options for consolidating debt, usually through a home equity or a personal loan.

Should I inform you when I travel with my credit card?

Yes, if you are planning on traveling with your credit card please contact us at 1-800-342-2778. This will help to ensure that you have uninterrupted use of your credit card while you are traveling.

My Credit Card was lost or stolen, what do I do?

First Hawaiian Bank constantly strives to ensure the security of your account. If your card is ever lost or stolen, please contact us immediately through our 24 hour customer service line at (808) 847-4444 on Oahu, or toll free at 1 (800) 342-2778. This will prevent further transactions from being authorized on your card.

I did not receive my credit card and it has already expired, what do I do?

/*-->*/ /*-->*/ Your credit card expires on the last day of the month indicated on your credit card. Normally, replacement credit cards are sent during the month prior to the expiration date of your card. If your current card has expired and you did not receive your replacement, please contact us immediately by calling the number on the back of your card or on your statement.

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