<br />
It offers easy approval and thus has some fees. These include a one time account set up fee of $29, $48 annual fee, and a one time $95 fee. <br />
<br />
These charges are assessed to your available credit limit. When you receive your card you will have these charges shown on the balance.<br />
<br />
It comes with an initial credit limit of $250, and an APR of 9.9%.<br />
<br />
It can be issued as a MasterCard or Visa, you decide. When you apply online you will get a response within 60 seconds of submitting your application.<br />
<br />
When making your monthly on time payments you will create a positive payment history on your credit report.<br />
<br />
Your utilization ratio is also very influential on your score. This is how much debt you have versus unused credit. It will help your score if you keep a monthly balance of around 30% of your limit.<br />
<br />
In other words a $250 limit, you want to keep your balance at $75. You will be eligible for a credit limit increase after six months.<br />
<br />
The First Premier Bank has issued cards to over 3 million people. They are a member of the Better Business Bureau and are located in Sioux Falls, South Dakota.<br />
<br />
Your card is accepted everywhere the Visa or MasterCard logo is seen. You can qualify for the card if you are over 18 years old and have a valid social security number.<br />
<br />
As of late, we have seen a jump in interest rates even on prime credit cards. These rates are increasing to close to 30%, and without fault. This means even with on time payments the good credit cards are raising their interest rates to 30%.<br />
<br />
In sum we suggest you look at all your options. It could be more cost effective to apply for a secured or prepaid card. Additionally you might want to focus on repairing your damaged credit report and then apply for a card.</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br />
About the Author:<br />
</div><div class='uawlinks'>We suggest the <a href="http://cardsuggest.com/index.php/total_visa.html?call=default&id=35&cid=30">Total Visa</a> or the <a href="http://cardsuggest.com/index.php/continental_finance_mastercard.html?call=default&id=21&cid=19">Continental Finance MasterCard</a>. </div><br />
</div>
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