Description: In this article about first premier login, the author is going to show you how First Premier Bank credit card works. The First Premier Credit Card is for people with a less than perfect credit history. In this article the author reviews the fees and terms and conditions.
The First Premier Bank offers a credit card for individuals with bad credit, this is a partially secured credit card and is issued as a MasterCard, how does First Premier Bank credit card work? The first step is to apply online, you’ll need to provide your name, address, social security number, phone number and other miscellaneous personal information.
There is an easy approval process, you will get a response within 60 seconds of finishing your application, if you are approved, you’re going to need to make a security deposit of $95, you’ll then be issued your MasterCard with an initial credit limit of $300.
The security deposit is fully refundable provided, you don’t stop paying on your credit card, it also partially secures the credit line in the bank the bank is giving you unless it will reduce the bank’s risk, if you use the First Premier Bank credit card responsibly, you can start to create a trail of positive payment history with the credit bureaus.
This could potentially help with bad credit, your account information will be reported monthly to all three major credit bureaus, if you can keep your monthly balance at around 30 percent of your credit limit, your credit score should see a small bump.
By keeping your monthly balance around 30 percent you’ll be showing that you use your credit, you will also show that you use your credit responsibly and that you are in a secure financial position, if you are in need of money, you would not have available credit to use on your credit card instead your credit card would be maxed out.
This is a very important piece of information when your credit score is calculated from your payment history, the First Premier Bank credit card will be accepted everywhere you see a MasterCard logo displayed, you’ll be given 24/7 online account access and free customer service.
Your credit card will be accepted over the phone or online all over the world, the industry of credit cards for bad credit has changed dramatically, many banks took their credit cards off the market, consumers are turning to prepay bank cards.
In First Premier Bank credit card terms and fees, there is an annual fee with this credit card of $75 for the first year and $45 after that annually, you are also going to be responsible for a 36 percent APR, there is a one time processing fee of $95.
After your first year you’ll be responsible to pay monthly maintenance fee of $6.25 or $75 annual, these terms are accurate, frequently credit card issuers change details on their offer, so please visit www.firstpremier.com for full detail and terms.
You can have the purchasing power of a MasterCard in your pocket, it would also be wise to investigate some professional credit repair attorneys, these credit cards are going to require you to invest some money that may be better suited and more effectively spent with a legal credit repair service.
For a free professional credit repair consultation, call one eight seven seven nine two five six four seven five and for full details on the first premier bank credit card offer and to apply online, visit www.firstpremier.com.