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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)

Horrible, horrible fee structure. No way."

kingcake64 at 5:15 pm Dec 8

thank you for posting, it is greatly appreciated!"

marites2008 at 10:09 am Nov 11

I understand that someone with bad credit will not get great rates and may have to pay a monthly or annual fee, but to immediately be charged nearly $300.00 in fees just to get a card is ridiculous. I believe that the $7.00 monthly and MAYBE an annual fee (not above $50.00) would be reasonable to give a person a chance. If they don't make a payment, freeze their credit line."

vahollis at 1:44 pm Oct 19

Rather than paying the fees, you should just take that money and put it in a secured card, like from B of A or Wells Fargo, from a normal bank. In time, if paid, they will remove the security requirement."

mvoight at 10:59 pm Oct 17

don't apply for this card or credit one bank or first premier bank, all have charges of 250 dollars or more!"

bcramer09 at 9:15 pm Oct 1

sounds like another rip off that targets people who are in a low place. not cool."

srohrbaugh at 6:18 pm Oct 1

Maybe not cool, but whose choice is it to have bad credit?"

ajhno at 5:01 pm Oct 30

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."

ghosfase at 7:15 am Sep 25

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."

RingoDestarr at 7:43 am Sep 23

What is HSBC?

rjmom09 at 5:37 pm Nov 5

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

CK Moderator

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."

Bastionpayne at 1:18 pm Sep 22

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

trevorsnyder at 9:29 am Sep 22

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Credit Score Approval Data

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AVERAGE Credit Score Approved for this Card

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† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.