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4 Important Facts That You Should Know About First Premier Bank Credit Card | first premier bank credit card

Are you thinking about getting your first Premier Bank Credit Card? You might be worried that you'll have to pay a ton of annual fees and perhaps even some extra cash. On the contrary, your credit union or bank will most likely give you the option of obtaining your first plastic card through their credit card processing arm. All that you need to do is contact them for more information.

The First Premier Bank Credit Card charges an annual fee, a monthly service fee and an application processing fee. The exact amounts vary according to your credit limit, but generally the application fee can be up to $25, the monthly service fee may be up to $5 or sometimes even more or depending on how long you stay with the company, and the annual fee may be up to several dollars. The first year with a credit limit usually has no annual fee, while the second, third and fourth year with the limits increase by additional fees. Your first interest free period starts the day you sign up.

One of the main advantages of getting your first Premier Bank Credit Card is that you don't have to worry about paying an annual fee or a cash advance fee that you would have to pay if you used cash to make purchases. As long as you use your account in good standing, you're not subject to any borrowing fees either. Even if you decide to make a purchase within a few days of opening your account, the cash advance or borrowing portion of the transaction won't kick in until after you've paid your first balance in full. That means if you need a small amount of cash right now, you can do it with the ATM around the corner and then use it to make your purchases.

Another advantage of the First Premier Bank Credit Card is that there are no balance transfer fees when you get approved. This is another advantage that most major banks don't offer. They don't want you to transfer your balances to them first because they see that you'll just cancel your existing card issuer card and start again with a new one. They would lose money if you left with a First Bank Credit Card and no other card issuers to continue card payments for. With the no balance transfer fee, card holders like you are able to start their financial lives on an even playing field.

The First Premier Bank Credit Card also has an excellent customer service program. There are many customer service representatives who can help with everyday problems that you might encounter when using the First Bank Credit Cards. They're not pushy or annoying but they really want you to succeed with the First Premier Bank Credit Card because they know that the more successful you are with it, the more likely you will be to open and keep multiple accounts with the bank which is a very good thing for them.

One of the best features of the First Premier Bank Credit Card is the no annual fee feature. You do not have to pay any additional annual fee just so you can use your credit card. These types of credit cards are usually very well designed because they have very low annual fees and yet still give the consumer lots of added benefits. One such benefit is the no balance transfer fee.

There are many other advantages to the First Premier Bank Credit Card including great cash back rates and competitive interest rates. The cash back rate on this particular bank card is 13.5%. For added security there is a small monthly fee but it is well worth it. If you use the First Premier Bank Credit Card wisely, you can benefit from the features and benefits of this credit card.

Even if you do not have a lot of money to put into a line of credit there are better options out there that offer instant approval. For instance, the American Express Blue Cash card offers instant approval for small amounts and even offers a zero percent APR for up to twelve months on your balance transfers. The reason this option is better than the First Premier Bank Credit Card is because there is no annual fee. If you have an emergency borrowing limit then this might be the better choice for you. With a little research you will discover the exact need that you have and be able to find the right credit card for you.


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