Question: What are the benefits of a First Plus Platinum account?
Answer: There are many good reasons:

1. You are approved for a $7,500 line of credit with us without a credit check.
2. Many items require NO Down payment, only shipping and processing.
3. You can access your line of credit online.
4. You can shop from the comfort of your home by using our extensive website.
5. You will see we pride ourselves on offering a wide range of high quality items at an affordable price.
6. You will have 0% interest for the first year.
7. We request a small down payment on some items and the actual shipping and processing charges. The remaining balance is charged to the balance of your First Plus Platinum account.
8. We often offer bonuses, discounts, and special close out priced items. You will also get monthly newsletters and “Hot Items” products. These are products that will be emailed to you when we get good buys for your consideration.

Question: Will this line of credit help my credit rating?
Answer: Although not intended to be a tool for rebuilding credit, your credit line will be reported to PRBC - a credit bureau that enables consumers to build a credit file and score, based on their history of making payments. This can be used to demonstrate creditworthiness when applying for housing, credit, insurance, and employment.

Question: How do I get a refund and what is the policy?
Answer: You may call Customer Service during your 7 day trial to be cancelled and you will not be billed for any further charges. After your trial and within 30 days if you are not satisfied you are eligible to receive a refund. You may also cancel your membership at any time by calling Customer Service. The $2.78 charge for the 7 day trial is a processing fee and is Non-refundable.

Question: How do I get a hold of you if I have any questions?
Answer: The best way to contact us is by email. You can also reach us by telephone or by mail. Our address and phone number are provided below.

Question: What is your mailing address?
Answer:
First Plus Platinum
4894 W. Lone Mountain Rd. Suite 128
Las Vegas, Nevada 89130

Question: How can I register comments and make suggestions as to how you can improve your service to me, the customer?
Answer: You are invited to write to the Director of Member Services at the above address. All comments and correspondence become the property of First Plus Platinum .

Question: How can I reach your Customer Service?
Answer: Our Customer Service Department is open from 9:00AM PST continuously until 5:00PM ET Mondays through Fridays, except for the following Holidays: New Years Day, Memorial Day, Independence Day (July 4), Labor Day and Christmas Day. You may reach us at any time during business hours by calling toll free 1-800-595-5110. If you are having trouble calling that number for any reason not related to us, you may also email the Customer Service Manager customerservice@firstplusplatinum.com . Your email will be answered by one of our representatives as soon as possible.

Question: Why do I have to make a down payment on some items?
Answer: We offer our lines of credit, initially no less than $7,500 per customer without running a credit check. Our experience has shown that a down payment helps defer part of our investment in the product, which permits us to finance the balance for you at a 0% interest rate for the first year.

Question: How can I speed up the processing of my order?
Answer: The best way to make sure your order is processed quickly, is to insure there are no errors by checking it for accuracy and legibility. You may send us a money order to avoid the check hold time. You can also charge your down payment on a Visa or MasterCard.

Question: How do I place my order?
Answer: Visit us online at www.firstplusplatinum.com . Follow the prompts at our website. It's that easy! Your order will be processed depending on the method of payment.

Question: What is the "Best" way to pay for my order?
Answer: Online Checks are the most convenient form of payment, and when you process an Online Check we process your order immediately. We have a credit card option to use a major credit card such as a Visa or MasterCard. Otherwise, you have the option of using a Money Order. Money Orders are processed within 72 hours of receipt. Items in-stock usually process in 2 weeks and will ship in 1 to 2 weeks. Holidays can be an exception to this however. Personal Checks require 14 days to clear our bank system before we can process your order. Even if your bank has cleared your check, we do not receive notice until several days or more after deposit. The Christmas holidays require additional time. Please allow 2 to 3 weeks for delivery.

Question: How often will I receive a statement?
Answer: Statements are mailed once a month. Statements go out only if there is a balance due, or if you have a zero balance you will receive one zero balance statement. "Payment Due Date" is the date your payment must be received in our office. It can take 3-5 business days for us to receive and process your payment. By mailing your payments at least 10 days before they are due assures you of a good prompt payment record.

Question: What if I can't pay the minimum payment due?
Answer: In order to keep your account in good standing, the minimum amount due must be received on or before the due date. If you cannot pay the minimum, call the customer service number and speak with an agent who will work out a convenient payment alternative. We do ask that you pay any amount you can and include as much of that amount due as possible.

Question: What if my merchandise arrives damaged?
Answer: All of our merchandise comes with an initial "Satisfaction Guarantee". This also applies to goods received in damaged condition. Damage must be noted at time of delivery and returned shipping prepaid. If for any reason, you are not satisfied with any item for a reason other than damaged goods, return it within five days unused, in its original package, to our address. Your account will be promptly credited for the cost of the merchandise, excludes any shipping or processing charges that were paid at time of order.

Question: Will the items I ordered arrive at the same time?
Answer: Not all of the items ordered together will always arrive together. Each item is processed and shipped independently. Due to the vast number of items available from our store, there are some items that may be shipped from different warehouses in different states.

Question: How long is my account valid?
Answer: Your account is reviewed every year from your date of acceptance. Your account has no expiration. You may stay a member and keep your account along with any increases in credit line you earn through the life of your account as long as your membership fee is current t. If you close your account, there will be no further obligation or fees charged other than the unpaid money owed at time of closure. If you have any questions please contact our customer service agents toll free at 1-800-595-5110.

Question: What if I'm not home when my order is delivered?
Answer: Most merchandise is shipped via United States Postal Service. If you are not home, the delivery person will usually leave it in a secured location at your home. If you live in an apartment complex or where there is a resident manager's office, your merchandise will usually be left with them and a delivery notice placed on your door. In either case, the driver will leave a notice with specific instructions on how to retrieve your package. Some members choose to have orders shipped to their place of employment.

Question: How can I have gifts sent to another address?
Answer: When ordering online at www.firstplusplatinum.com there is a "Ship To" section where you can specify the name and address of where you wish your order to be delivered. This comes in handy when ordering for special occasions such as anniversaries or birthdays.

Question: What if I have a question about my bill?
Answer: First check your records. If you still believe an error exists, call the customer service number toll free at 1-800-595-5110 or you can write to us at our corporate offices. If you write, please include your name, account number, phone number with area code and the best time you can be reached. A customer service representative will contact you.