the First Financial Bank USA credit card company are rats! I have made my payment over the phone with my debit card each month and have had no problems. this month I tried to do the same, at which point I was informed that I could not pay with a debit card this time. I asked why and the man explained to me that they will only take debit card payments when the account is past due. this is simply a scam to get people to be late. Watch out for these people they are scum!!!