The First Premier credit card offers an opportunity for those people who have bad credit to begin rebuilding their credit. This unsecured credit card allows the holder to make purchases online or via telephone. This gives the holder the opportunity to rebuild their credit while they work on their daily expenses. The First Premier card provides a 0% intro APR rate on purchases for up to three months. If an applicant can make their monthly payments on time, they do not have to pay any interest charges.
The first premier credit card offers that are available through the First Premier bank Mastercard are cash back programs. These are good to use for expenses such as gas, groceries, and other small purchases. The card also has no annual fee. Because this card offers no annual fee, those who are planning on building their credit are encouraged to keep the balance paid down and use as much as they can. Those who are looking to rebuild credit will find these special interest rates quite attractive.
Another way that the First Premier bank Mastercard can help those who have poor credit is by offering them a chance to get approved for home equity loans. Applying for a home equity loan allows you to use the equity that you already have built up in your home as a form of debt repayment. Using the equity that you already have to repay loans allows those who have poor credit to get a fresh start. If you get approved, you will be responsible for repaying the equity that you have accumulated. For many people, this is a dream come true and a chance to get back on their feet.
The First Premier Credit Card from First Premier bank is also offered to people who want to get a little extra spending power with their credit cards. If you own an unsecured line of credit, you may qualify for an unsecured card. Unsecured credit cards allow you to make purchases online using only cash that you have already collected from your place of business. There is no need for collateral such as car loans or home mortgages. However, you must pay a higher interest rate than you would with a secured credit card. This is simply because unsecured credit cards carry higher interest rates than secured ones.
Anyone who has a regular job and has managed their expenses and income appropriately will be able to qualify for a credit card with reasonable interest rates. Anyone who has bad credit should look at applying for a First Premier Credit Card. The benefits of First Premier include: no annual fee, no balance transfer fees and no membership fees. With the ability to build good credit card habits along with no annual fee to start off with, this credit card offers those looking to re-establish good credit to start off well. First Premier also offers:
There are many reasons why the First Premier Credit Card earns high marks amongst credit cards. Firstly, there are no annual fee. Secondly, you pay no balance transfer fee in the first year. And thirdly, you pay lower interest rates over the long haul compared to other cards in the same category.
As with any credit line, there are some advantages and disadvantages associated with having First Premier. For one thing, it does not come with a hassle-free introductory offer like most other Mastercard credit cards do. In the first year, you will only be offered a standard interest rate. It is for this reason that the majority of people tend to limit their credit line to just the very basics. You will not be able to go after the best rates, as the standard interest rate applies to anyone regardless of their credit history.
Another drawback that First Premier has been the fact that it does not offer any cash back rewards. The cash back rewards, however, can be redeemed by using the First Premier card for purchases made at the store. In the first few months of use, you earn 1 point per dollar that you charge to your credit card. With regular usage, you can earn up to 5% points toward purchases at the store. This particular credit card has an average interest rate and fees compared to the other credit cards in its category. The best way to look at First Premier is to see how it fares compared to the other type of cards that suit those with a poor credit history.
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