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PREMIER Bankcard® Card: your second chance to get an excellent credit score
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Are you trying to find a credit card that accepts your score? It will be hard to get back on track if no credit issuer gives you a second chance. That’s why First Premier has a credit card designed specifically for you. You can get it with a damaged score and use it to build a strong one. Use it responsibly, and you can change your history.
Are you trying to find a credit card that accepts your score? It will be hard to get back on track if no credit issuer gives you a second chance. That’s why First Premier has a credit card designed specifically for you. You can get it with a damaged score and use it to build a strong one. Use it responsibly, and you can change your history.
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First Premier will give you the support you need to rewrite your credit history. Read its main benefits below!
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Dive into a world of credit-building with the PREMIER Bankcard® Credit Card. For those looking to reestablish their financial footing or embark on their credit journey, PREMIER Bankcard® emerges as a potential companion.
Strengths and Special Offerings
- Credit Restoration Tool: Tailored especially for those with less-than-perfect credit scores, this card offers a beacon of hope for credit recovery.
- Reporting to Credit Bureaus: Your financial discipline is noted. PREMIER Bankcard® reports to major credit bureaus, which can aid in credit score enhancement when used responsibly.
- Fast Online Application: Navigating the world of credit can be daunting, but with a swift online application process, getting started is a breeze.
- Initial Credit Limit Options: Based on your creditworthiness, you might qualify for a decent starting credit limit, allowing flexibility in spending.
- Account Management: With 24/7 online account access, you can monitor your spending, pay bills, and check your balance anytime, anywhere.
Limitations to Consider
- Fees: The card can come with various fees, including an annual fee, which can add up over time and might deter cost-conscious individuals.
- Higher APR: It's essential to be diligent in paying off the balance, as the card sports a relatively high APR.
- No Reward Program: Unlike some credit cards, the PREMIER Bankcard® does not offer cash back, points, or travel rewards.
- Potential for Low Starting Limit: Some users may start with a low credit limit, which could be limiting, especially if large expenses arise.
- Regular Credit Review Needed: To ensure you're getting the best terms and to aim for credit limit increases, periodic credit account reviews are advisable.
The PREMIER Bankcard® Credit Card serves as a beacon for those striving to rebuild or establish their credit history. While it might not dazzle with rewards or luxury perks, its primary mission is clear: to aid in credit restoration.
As with all financial tools, its effectiveness will largely depend on the user's diligence and commitment. For those seeking a second chance at financial health, this card might be a step in the right direction.
Yes, the PREMIER Bankcard® can charge many fees even though it does not require a security deposit. So, if you want to apply for this card, you'll need to make sure you can pay for the fees, such as an annual fee ranging from $50 to $125 and a program fee ranging from $55 to $95.
You can use the PREMIER Bankcard® to help with your credit-building needs since it sends monthly payment reports to all the major credit bureaus. Plus, you can manage your FICO® Score, and there is no security deposit since it's an unsecured card. However, you'll need to pay relatively high fees to use this card.
Yes, the PREMIER Bankcard® can increase your credit line after 12 months of credit card use. However, you'll need to use your credit card responsibly and make all your payments on time. This way, you'll have more chances of getting your credit limit increased after 12 months.
If you're unsure about applying for the PREMIER Bankcard®, you can choose a different option with no annual fee and a higher credit limit. With the Petal 1 Visa card, you can earn up to 10% cash back on eligible purchases, and there is no annual fee. So, read our post below to learn about this card's application process.
Application for the Petal 1 Visa card
You can get a credit card to rebuild your score while earning cashback rewards. Learn how to apply for the Petal 1 Visa card and enjoy its benefits.
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