The Centennial card is issued by The First Premier Bank a member of the FDIC. This is an unsecured card created for individuals looking for a second chance.
It has easy approval requirements, but does carry some fees. Including a one time $95 fee, an account set up fee of $29, and an annual fee of $48.
You will see these charges on your first monthly bill. They will be charged towards your available credit limit.
Your card will have an initial $250 limit, and a 9.9% APR.
It is issued as a Visa or MasterCard your choice. If you apply online you will have an application response in less than 60 seconds.
By making your monthly payments on time you will begin a positive payment history on your report.
Additionally your utilization ratio is very important. This is the amount of debt you have compared to your available credit. If you can keep your monthly balance at roughly 30% of you limit it will help the most.
In other words a $250 limit, you want to keep your balance at $75. You will be eligible for a credit limit increase after six months.
The First Premier Bank is a member of the Better Business Bureau. They are located in Sioux Falls, South Dakota and have issued cards to over 3 million people.
Your card is accepted worldwide and everywhere you see the Visa or MasterCard logo. You can qualify for approval if you are over 18 and have a valid social security number.
As of late, we have seen a jump in interest rates even on prime credit cards. These rates are increasing to close to 30%, and without fault. This means even with on time payments the good credit cards are raising their interest rates to 30%.
In sum we suggest you look at all your options. It could be more cost effective to apply for a secured or prepaid card. Additionally you might want to focus on repairing your damaged credit report and then apply for a card. - 16955
It has easy approval requirements, but does carry some fees. Including a one time $95 fee, an account set up fee of $29, and an annual fee of $48.
You will see these charges on your first monthly bill. They will be charged towards your available credit limit.
Your card will have an initial $250 limit, and a 9.9% APR.
It is issued as a Visa or MasterCard your choice. If you apply online you will have an application response in less than 60 seconds.
By making your monthly payments on time you will begin a positive payment history on your report.
Additionally your utilization ratio is very important. This is the amount of debt you have compared to your available credit. If you can keep your monthly balance at roughly 30% of you limit it will help the most.
In other words a $250 limit, you want to keep your balance at $75. You will be eligible for a credit limit increase after six months.
The First Premier Bank is a member of the Better Business Bureau. They are located in Sioux Falls, South Dakota and have issued cards to over 3 million people.
Your card is accepted worldwide and everywhere you see the Visa or MasterCard logo. You can qualify for approval if you are over 18 and have a valid social security number.
As of late, we have seen a jump in interest rates even on prime credit cards. These rates are increasing to close to 30%, and without fault. This means even with on time payments the good credit cards are raising their interest rates to 30%.
In sum we suggest you look at all your options. It could be more cost effective to apply for a secured or prepaid card. Additionally you might want to focus on repairing your damaged credit report and then apply for a card. - 16955
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For more info about Easy Credit Cards visit us or for a review of the AccountNow Visa a prepaid card that allows you to borrow money.
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