There is only one First Premier Bank unsecured credit card application. You can’t choose which of the 20+ offers to apply for, and the terms in your eventual offer will depend on your creditworthiness. But all of the unsecured First Premier credit cards offered will require a one-time fee of at least $25 (max. $95), a first-year annual fee of $75-$125 ($45-$49 after the first year), and varying monthly fees.
You can get approved for a First Premier unsecured credit card with bad credit, but it’s worth considering whether you should. These cards come with expensive fees, generally low credit limits, and high APRs, so you might be better off putting down a deposit on a secured credit card to build your credit instead. First Premier offers a secured credit card with a minimum deposit of $200 and an annual fee of $50. Plenty of other credit card companies have secured cards too.
First Premier Bank has an unsecured credit card, simply called the First Premier credit card. But it only has a credit limit of $300 and you'll have to deal with an annual fee ranging between $75 - $125 in the first year and $45 - $49 after.
To get a First Premier Bank credit limit increase, the account needs to be open for at least 13 months and kept in good standing, with on-time bill payments and no maxed-out credit limit. Eligible First Premier cardholders may qualify for a credit limit increase upon request, though there is a fee equal to 25% of the increase amount. You can request a higher limit online or by phone.… read full answer
How to Get a First Premier Bank Credit Limit Increase
To get a First Premier Bank credit card cash advance, use the credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card’s available cash advance limit. If you do not have a PIN, contact First Premier Bank’s customer service at (800) 987-5521 to request one.… read full answer
There may be other ways to get a cash advance from your First Premier Bank credit card, too. For example, you can request a cash advance in person at a local First Premier Bank branch. You could also write out a First Premier Bank cash advance check and use it like a traditional bank check.
You should keep in mind that a First Premier Bank cash advance can be expensive. A cash advance fee and a separate cash advance APR apply from the moment of the transaction. If you have to get one, then it would be best to pay it off as soon as possible.
You can cancel your First Premier credit card at any time by notifying First Premier Bank in writing or by phone at (800) 987-5521.
Keep in mind though, that even after your credit account is closed, you remain responsible for paying any amounts you owe on the credit account, according to the terms of your contract. Your credit score will also take a hit, should you choose to cancel, but it is worth it if the fees are too high.… read full answer
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