The First PREMIER Bank Classic credit card is very easy to apply for. You can enjoy a 60 second decision and take advantage of a number of benefits. With low fees, you get an actual credit card, not a prepaid or debit card.
The Fees Involved
There are several fees to be aware of with this credit card. This card is available to those with less than perfect credit, allowing you to take advantage of a variable credit line. What’s important is to be aware of the fees, including:
- Set up fee
- Annual fee
- Monthly service fee
The setup fee is paid upon approval of the card. This satisfies you annual fee for the first year. It is also paid in order to open up your credit line and send you the card in the mail. From the second year on, you will pay an annual fee. This gives you access to the card benefits and the ability to keep you line of credit open. There is also a monthly service fee, otherwise known as an APR. This varies depending on promotions and current industry standards.
Purchase Anywhere Around the Globe
It’s possible to make purchases around the globe. The MasterCard logo is on the card, providing buying power. The card is accepted at over 24 million locations throughout the world. This means you can use the card to pay at the gas pumps for added convenience. You can make purchases at a number of online merchants. Buy what you need at any local store. Book travel reservations over the phone. When you need to buy something, you can use this card with the peace of mind knowing your transaction will be approved.
When you need cash in your pocket, the card can be used. Cash advances are possible with this card. Visit any ATM machine around the world using the provided PIN number. You can pull out as much as you have in open credit on the card.
Various Benefits of the Card
In addition to being bad credit friendly, another reason to take advantage of the card offer is because of the different benefits that are available. Such features include:
- Online account management
- 24/7 customer support
- Card personalization
- Fraud prevention
- Simple application process
You can enroll for online account management. Create a username and password, granting you access to account details anywhere you have an internet connection. This gives you the chance to find out your balance and your open line of credit. You can view all of your past transactions in full detail. To make life simple, it’s also possible to pay your credit bill online instead of mailing a check. If you have account questions, call customer service using the toll free number. Representatives are available 24 hours a day, 7 days a week. Whether it’s a question about a charge on your account or one of the other features, someone will be available to take care of your needs.
You have the ability to customize your card. If there is a favorite photo, it can be added to your card. For a small fee, you can choose something other than the standard green design of the card. Whether it’s a family photo or a vacation image, it can be placed onto your card. Fraud prevention is important. The bank will constantly monitor your card for fraudulent activity. If anything is questionable, the bank will contact you for verification. In addition, if you notice a charge you did not make, contact the bank. They will remove the charge, ensuring you are not liable. A new card will also be issued to you.
The application process is available online. The basic information is filled out and submitted. As long as you are at least 18 years or age and have a checking account, you’ve met the qualifications for the card. You can find out if you’ve been approved for the card in about 60 seconds or less. Once you are approved, pay the processing fee and wait for your card to arrive in the mail.
It’s time to get a real credit card. The application process takes just minutes and your decision for credit approval takes under a minute. From there, the card will arrive in your mail, providing you with benefits as soon as you activate the card.