OH RESIDENTS: Ohio`s anti-discrimination rules require all creditors to make available to all creditworthy clients in the same way and that credit institutions maintain, upon request, a separate credit history for each of them. The Ohio Civil Rights Commission manages compliance with this law. OpenSky® secure visa® credit card can help you create or rebuild credits, and no credit checks or bank accounts are required. More information. First Premier gives you three types of fees just to have an account. The amount of each fee depends on the size of a line of credit for which you are admitted: General support is available with a phone call or online chat, but some issuers take specific measures for individual cards. While the First Premier card pricing plan is complicated, interest rates are not. All cardholders, regardless of the credit limit, are charged an APR of 36%, a figure generally considered to be the largest number a “legitimate” lender can collect. Another note: if you receive your card, your initial annual fee and the first monthly fee (if you have one) will already be charged. So your available credit starts at $225 instead of $300, $300 instead of $400, $375 instead of $500 and so on. To create credits and earn cash-back bonuses with no annual fee, try the Discover® it Secured credit card. Those who have great recognition should look elsewhere.
Even without a deposit, First Premier cards immediately go into the pocket, pile up early in fees and require some of the highest interest rates in the industry. If you have a credit limit of $300, the annual fee for the first year is $75 and no monthly fee is charged. Your total fee is $75, exactly 25% of your limit. Credit Limit Increase Charges: The issuer starts checking your account after 13 months to determine if you are eligible for an increase in the credit limit. Sounds great, doesn`t it? The problem is that if Prime Minister approved you for an increase, you pay a 25% tax on the increase. So if your limit is screwed up from $300 to $400, a $25 fee will appear on your statement. And this can happen without even asking for a raise. If First Premier increases your limit (and hits you with the tax), it`s up to you to refuse the increase.