Credit Card Reviews ~ Bad Credit Credit Cards


First PREMIER Bank Gold MasterCard® Review

First PREMIER Bank Gold MasterCard® The First PREMIER Credit Card is issued by First PREMIER Bank, one of the nation's leading credit card issuers specializing in MASTERCARD® and VISA® credit cards for those with less than perfect credit. Investing in a First PREMIER Bank Credit Card is an investment in your future.

The First PREMIER Bank Credit Card® is especially designed for people who have had difficulties being approved for a major credit card. There are various fees associated with this card including the following which will be billed to the first statement: an annual fee of $48, an account set-up fee of $29, a program fee of $95, and a monthly participation fee of $7. These types of fees are common among cards designed for poor or limited credit and they will reduce the cardholder's available credit until they are paid.

The APR for purchases is very low compared to other cards. However, anyone who is considering this card should bear in mind the numerous fees that are applied to new accounts. Also, the rate posted for purchases is 9.9%, but there is a penalty pricing if the cardholder account goes past the due date two times in any six month period. On the other hand, they give grace period of 25 days (from the statement closing date to the payment due date) if you pay your previous balance in full on or before the due date shown on your previous statement. The cardholder can expect a total fee of $256 for the first year alone.


Cardholder Benefits:

The First PREMIER Bank Gold MasterCard®/Visa® will report the transaction of the active members/cardholders to all four credit bureaus each month.

Note: We suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application since the information may have changed since the review is written.

Reviewed on December 1, 2006

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