Credit Advice

no. if you really dont need it dont get it. keep your good credit. and their interest is ridiculous.

Yeah First Premier is not a good card. Try Captial One or Public Savings. 

thanks for your response. I live in Guam so Capital One, Public Savings and Orchard/HSBC don't extend their credit services in Guam.
 I only have First Premier as my only option to get a credit card.
 but maybe i'll just wait for a year to have my credit history at least 1 year old. Thanks!

personally their not that bad just pay ontime they help boost your credit score i had then for 5 months n went fron 542 to 606 n then got approved for a capital one card its up to you 

I just clenched my heart and called out to Elizabeth like Fred Sanford when I saw 59.99% APR!!!  Nooooooo!!!  Stick to what you have, do not rush building credit.  Do not get that First Premier card.  Do not pass GO!  Building credit is a slow process.  After about a year with what you have, you will get offers in the mail as well as qualify for more credit.  Check out FinanceGlobe.com and sort the credit cards by your score with Experian, Equifax, Transunion, and Vantage to see which cards you would easily qualify for.  Trust me, there are many better offers than First Premier.  Geeeez, the fees alone will put you in debt.  Also, give Barclay Priceline Visa a try.  Pretty easy to qualify online.  Even if you are declined, you can immediately pick up the phone and call their Credit Analysts at 866-408-4064 who will ask you a couple of questions for verification and 90% of the time will APPROVE your unsecured NO ANNUAL FEE credit card with 0% interest for 1 year and about 13% interest afterwards. 

 "$25 set-up fee, $75 annual fee and 59.99% APR" WHAT?!!!! I get mad because I got socked with a 29% with CHASE BP rewards card...I paid it off and cut it up. I am not going to give my hard earned money to a credit card comapny for free. Be patient. I had the same problem, but in less than 5 years I have a more solid credit history. Good luck!

I would stay away from capital one.They are crooks.I apid my card off and guess what 6 years later I have A debt collector after me for the same exact thing.Luckily I kept my reciept to prove I paid it.

Do not get a first premier card... They have high fees, high APR and low credit lines no matter what your credit score... oh and they were ranked #1 worst credit card this year. Stay away! Did I also mention they have an activation fee on top of what you listed!

I would suggest that you not apply for this type of card. Capital One, Orchard, etc. all sock you with high fees. If you are late with a payment they will sock you with even more fees. I would suggest that you visit a local credit union. Speak with them concerning a secured card.  Years ago, when I needed a secured card, all I had to do was place money in a secured card account.  There was no setup fee, starting fee, annual fee and the interest rate was 10.9%.  After some time, it was easy to just change the account to a regular unsecured account.  The money deposited at the credit union is insured.  With the account being local, you can just stop in to pay your monthly bill.

I have a first premiere card and i guess i'm lucky cause i haven't had any problems but that is also because i pay my purhcase off within 25 days of charging so i don't get fees but it is helping build my credit, the only bad thing is don't pay online pay over the phone 2 days from the time u called cause if u pay over the phone on the same or next day its a $10 fee so paying later will keep u from being charged, i have had my card since march of 2010 and never have problems.