January 30,2007

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  Card Profile: First PREMIER Classic Card

  Brand: Visa or MasterCard
  Who it's for: Consumers looking to rehabilitate poor credit via a fee-heavy unsecured card with a low APR

  Type of credit?: Bad credit OK

  Card Summary: Unsecured credit card for those with less-than-stellar credit, with lower-than-average APR, but a plethora of fees: $29 Account Set-Up Fee, $95 program fee, and $25 credit limit increase fee if eligible, plus annual fee and $6 monthly fee. Initial credit line is $250, and all fees go against this balance.

  Cardholder Benefits: Reports monthly to major credit bureaus, which can be a benefit if you pay on time and want to display good credit behaviors to improve your score. 24/7 account access by phone.

  A.P.R.: 9.9%
  Annual Fee?: $48
  Intro A.P.R.: N/A

  Intro APR Term: N/A

  
  All rates and rewards are subject to change at the discretion of the card issuer.

  
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