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Centennial® Classic Credit Card

Offered by: First PREMIER Bank

19 comments | Comment on this offer


Details

Purchase Intro Rate N/A
Purchase Intro Period N/A
Balance Transfer Intro Rate N/A
Balance Transfer Intro Period N/A
Regular APR See Terms
Balance Transfer Rate N/A
Cash Advance Rate See Terms
Annual Fee See Terms
Late Fee See Terms
Cash Advance Fee See Terms
Balance Transfer Fee N/A

Centennial® Classic Credit Card features:

The Centennial Credit Card from First PREMIER® Bank is a great answer for those seeking a credit card with a low fixed APR.

Even if you have been denied credit in the past, you will be considered for approval from First PREMIER Bank.

Apply today, and receive an application response in just 60 seconds.

  • We offer a very attractive fixed APR
  • Your account history reports monthly to the major Consumer Reporting Agencies
  • 24-hour account access by phone
  • Apply for a nationally recognized credit card
  • The application process is safe, secure and fast

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

19 Total Comments

Over $250 in fees the first year. Unbelievable

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Wolf3 1 year ago

Actually 250 on the first bill. Thats crazy

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salo 11 months ago

I had a similar one - the rip you off when you are down - my credit line was $300, but $270 in fees - they shouldn't be allowed to do this or advertise on this site.

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aberylb 11 months ago

We want people to share offers and experiences.

CK Moderator

$250 ??? wow crazy should be out of business

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makorepet 11 months ago

You get a credit limit of 250-350 dollars but are charge 250 dollars in charges on your first bill. I didn't apply for this card, luckily I read the fine print. Posting this here for others so they understand this card will do little to help your credit as you don't have very much spending power to build reliable payment history. it actually will decrease your score because your spending is so close to your credit limit simply with the fees involved. Not a good offer and bad for your credit report.

**WARNING: If you APPLY for this card you are agreeing to pay the fees associated with the acount. Failure to do so will put you in collections and leave you with a even lower score. The amount billed is DUE not billed, when you get the first bill. Consumers beware, As close to a scam as it gets!

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Caladicy 11 months ago

 

Thanks for the info. I was going to apply for this card, but not now.

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debbieannp 11 months ago


thanks for the info. I was considering this card. Won't now!

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leemo 11 months ago

Applying for this card is the equivalent of spitting into the wind.

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trevorsnyder 11 months ago

I think that it sucks to pay the fees. however once you do pay the fees, you can use like a regular credit card. I don't have this one, but i have one that is similar with all the fees. My credit is bad, so i suppose i have to pay for it.

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Bastionpayne 11 months ago

This is nothing more than a scam that targets desperate people in desperate situations. It is a new twist on a payday loan, instead here they charge you the huge fees before you even get any money.

You are better off trying HSBC. They too, offer only $300 credit limits to those with bad credit. They also charge a yearly fee of about $39.00. But that is it. Much better deal then $270 in fees.

However, there is some big truths in what the first poster said. If you have a low credit limit, you will most likely max out your card fast. This DOES affect your credit score. Part of your score is based on debt ratio.

If you are truly wanting to improve your debt, the HSBC is better to help you (in my opinion). Just try to only use about $80.00 of the $300 limit and pay off the full balance each month.

If you max this card out, you will have accomplished nothing to help your credit.

Believe me - I have learned from the past, as I struggled to come out of a Bankruptcy many years ago. Building your credit score takes time and self-control.

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RingoDestarr 11 months ago

 

What is HSBC?

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rjmom09 9 months ago


Most people mean Orchard Bank when they refer to HSBC in the credit card sense.

CK Moderator

I have poor credit and opened this card because lack of approval for any other cards. It has worked great for me yes they did charge me $270.00 but it has indeed helped my credit score since I have been using it.

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ghosfase 11 months ago

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