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 offers easy approval and thus has some fees. These include a one time account set up fee of $29, $48 annual fee, and a one time $95 fee.
These fees will be charged against your available credit. Meaning when you are issued your card, you will have these fees on your balance.
You will have an initial $250 credit limit. Additionally you have a 9.9% APR.
It can be issued as a MasterCard or Visa, you decide. When you apply online you will get a response within 60 seconds of submitting your application.
When making your monthly on time payments you will create a positive payment history on your credit 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 has issued cards to over 3 million people. They are a member of the Better Business Bureau and are located in Sioux Falls, South Dakota.
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.
Recently we have seen a rise in interest rates even with prime lending. Some rates have jumped to an outrageous 30% without cause, meaning the customer did not pay late.
In sum we suggest you explore all your options for credit if you have made some mistakes. It may be more cost effective to get a secured or prepaid card, and take other steps to repair your damaged score.
It offers easy approval and thus has some fees. These include a one time account set up fee of $29, $48 annual fee, and a one time $95 fee.
These fees will be charged against your available credit. Meaning when you are issued your card, you will have these fees on your balance.
You will have an initial $250 credit limit. Additionally you have a 9.9% APR.
It can be issued as a MasterCard or Visa, you decide. When you apply online you will get a response within 60 seconds of submitting your application.
When making your monthly on time payments you will create a positive payment history on your credit 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 has issued cards to over 3 million people. They are a member of the Better Business Bureau and are located in Sioux Falls, South Dakota.
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.
Recently we have seen a rise in interest rates even with prime lending. Some rates have jumped to an outrageous 30% without cause, meaning the customer did not pay late.
In sum we suggest you explore all your options for credit if you have made some mistakes. It may be more cost effective to get a secured or prepaid card, and take other steps to repair your damaged score.
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We suggest the Total Visa or for more information about Bad Credit Credit Cards visit us.
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