First PREMIER credit card offers are an option for people with less than perfect credit, offering some of the lowest interest rates around for this category. These credit cards may be able to help build your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits.
The different credit cards offered by 1st Premier offers are:
As with most credit cards geared towards people with less than perfect credit, you can expect higher annual fees, in addition to set-up fees and monthly fees, so be sure to read the Premier Terms and Conditions before you apply. Here's a brief overview of their fees as of the time this article was written (10/7/2008):
Generally, the initial minimum credit limit will be at least $250. But not all of that is available for you to make purchases with. After the account set-up fee ($29.00), the program fee ($95.00), the annual fee ($48.00), and monthly service fee ($7.00), your available credit for purchases and cash advances will be $71 ($51 if you request an additional card). This is definitely something to keep in mind if you're thinking about getting this card.
On the plus side, First PREMIER Bank cards do offer very good interest rates on purchases. If you are looking for a credit card to establish or build up your credit, then these are a great start.
If you are interested in something other than a First PREMIER credit card, our bad credit credit cards section has offers from other issuing banks that you can check out. Prepaid debit cards are also an option for people who don't want the hassle of credit card debt and high interest charges.
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