Is your credit history less than perfect? If so, First PREMIER Bank credit cards may be just what you need. First PREMIER Bank credit cards are a good option for those with poor or limited credit history. They offer low interest rates, instant credit decision features, and monthly reporting to 4 credit bureaus.

Who the Card is For

The First PREMIER Bank credit card is available for consumers who have had trouble getting approved for a major credit card. If you have a history of poor credit, it may be difficult to get a traditional credit card. The First PREMIER Bank credit card offers you the chance to have a credit card in your wallet despite your credit history.

Enjoy the Features

First PREMIER Bank credit card applications have an instant credit decision feature. When you apply online, you will know in less than a minute if you have been approved. The credit cards also offer low interest rates, starting at 9.9% APR on purchases. (If the exact APR is mentioned, a link must be given to the Fee, Rate, etc. at the site.)

Understand the Fees

Since these credit cards are designed for those with less than perfect credit, certain fees are added. It is important to understand the charges before applying. Here is a breakdown of what you can expect to pay:

? An account set-up fee of $29 ? A program fee of $95 ? An annual fee of $48 ? A monthly participation fee of $6

These may seem steep; however, the first two fees ($29 and $95) are only one-time charges. Also, keep in mind that these credit cards are for consumers with less than perfect credit. Similar charges are common among this type of credit card. By paying these fees, you receive the convenience of having a credit card and its associated services.

Use the Card that Reports to 4 Credit Bureaus

The initial credit limit is at least $250. The fees listed above reduce your available credit until they are paid. If you are given $250 as an initial line of credit and receive the fees listed above, your available credit will be $72.

While this may seem low, remember that First PREMIER Bank credit cards offer you the chance to apply for credit when others may not. Start by paying off the fees. Then try to pay off the balance each month. If you are not able to pay the entire amount, make a minimum payment on time. This is your chance to show that you can manage your finances. First PREMIER Bank reports monthly to four major credit bureaus.

After six months, you are eligible for consideration for a higher credit limit. Through good performance with all your creditors, you may get other credit card offers in the future.

Apply Today

First PREMIER Bank provides you with an opportunity to apply for a credit card. Before applying, make sure you understand the fees. Once you receive the credit card, pay off your balances, including the fees, as soon as possible. Set up a system where you spend reasonably and make payments on time.