FirstPremierBankGold.com - FPB Credit Card

Less than perfect credit? Find it difficult to get a credit card? Want to avoid carrying cash and prefer plastic? The First Premier Bank Credit Card is especially designed for people who have had difficulties being approved for a credit card. This is a fee based product issued by The First Premier Bank, in which fees will be billed to your first statement reducing your available credit until they're paid. By entering FirstPremierBankGold.com, you can easily apply and know just within 60 seconds if you are approved. Your initial credit limit will be at least $250 and the following fees will be billed to your first statement: Annual Fee of $48, Program Fee of $95, Account Set Up Fee of $29, Monthly Servicing Fee of $7, and an Additional Card Fee of $20 (if applicable). These fees will reduce your available credit until they're paid. They review your credit bureau history to determine your credit limit, and you'll be eligible for consideration of a credit limit increase review 6 months later. Their credit decisions are based upon a credit scoring system, which considers, but is not limited to: your payment history (including making your payments on time and making payments larger than the minimum due), overlimit history, the amount of cash advances used, the number of payments returned to them as unpaid, and your overall credit history. The First Premier Bank Credit Card has a 9.9% apr on purchases, and can be used for cash advances. Your initial cash advance line will be 10% of your assigned credit line. Once your account has been open and active for a minimum of 90 days, has 2 consecutive months of current payment history and has had no return payments for 60 days, your cash advance availability may be increased to 50% of the assigned credit line. Unfortunately there is no grace period on cash advances. However, on purchases you will have a 25 day grace period if your balance is paid in full on or before the due date.