RIP-OFF Warning First premier bank of souix falls south dakota

You may have noticed that one of the adds on this site is for the top 10 credit cards for balance transfers.

most of these are good to fair. ONE CARD IS AN OUTRIGHT CROOK.

THAT CARD IS FIRST PREMIRE BANK, THEY CALL THEMSELVES A BAD CREDIT LENDER.

THATS BULL

THEY CHARGE OUT LANDISH SERVICE FEES ON THE FIRST BILL.

THIS IS THEIR WEB ADDRESS FOR THOSE FEES OR LOOK BELOW AS I PASTED THEM HERE

https://www.premiergoldcard.com/carddetails.php


They will hit you with a 48 buck annual fee,and a 29 buck account set up fee, and a 95 buck program fee, plus a 7 buck monthly service fee.

IN OTHER WORDS THEY WILL HIT YOU WITH 179 dollars in FEES,on your first statement,

for the card they issue you with a 250 credit limit. THIS TYPE OF PREDATORY CREDIT CARD PRACTICE IS UNBELIEVABLE,BUT THEY DO IT.

THEY ARE AN ABSOLUTE RIP-OFF.. THEY ARE NOTHING SHORT OF CRIMINALS.

AVOID THEM LIKE THE PLAGUE









Below are the account fees, rates, costs, limitations, available credit and other terms for the PREMIER Gold Credit Card offer.

Click here for a printer friendly version of these Fees, Rates, Costs & Limitations. Please print these disclosures and keep them with your records. If you are unable to print these, write to First PREMIER® Bank, C/O Correspondence, P.O. Box 5524, Sioux Falls, SD 57117-5524 and request a copy. By submitting this application you understand that your initial credit limit will be at least $250.00 and the following fees will be billed to your first statement: Annual Fee of $48, Account Set-Up Fee of $29, Program Fee of $95, Monthly Servicing Fee of $7, and an Additional Card Fee of $20 per card (if applicable). These fees will reduce your available credit until they are paid. You will be eligible for consideration of a credit limit increase in as little as 6 months. In addition, by submitting this application you certify that you have read, meet, understand, and agree to the account fees, rates, costs, limitations, available credit and other terms listed below.



Fees, rates, costs and limitations
Please print these disclosures and keep them with your records. If you are unable to print these, write to First PREMIER® Bank, C/O Correspondence, P.O. Box 5524, Sioux Falls, SD 57117-5524 and request a copy.
Annual Percentage Rate for Purchases 9.9%
+Other Annual Percentage Rates APR for Cash Advances 19.9% and Penalty APR 19.9% for Purchases.

-----See Penalty Explanation below-----
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)

====Program Fee: $95.00 (one-time fee)==== TOTAL RIP OFF

====Annual Fee: $48.00 ========================= RIP-OFF

====Monthly Servicing Fee: $84.00 Annually===RIP OFF

====Additional Card Fee: $20.00 Annually per card, (if applicable)===RIP OFF


Grace Period for Repayment of Balances for Purchases If you pay your previous balance in full on or before the due date shown on your previous statement you will have a grace period on purchases of 25 days (from the statement closing date to the payment due date), and can avoid finance charges on current purchases by paying the statement balance in full on or before the due date.
Method of Computing Balance for Purchases Average Daily Balance (Including new purchases)
Minimum Finance Charge $0.50
Transaction Fee for Cash Advances Greater of $5.00 or 3% of the amount of the cash advance
Fees for Paying Late or Exceeding the Credit Limit
Late Payment Fee: $29
Over Limit Fee: $29

Monthly Account Maintenance Fee $3 per month on closed accounts with an outstanding balance of $20 or more.
Fee for Transactions in Foreign Currencies 1.0% of the transaction amount

++The Monthly Servicing Fee of $84.00 will be billed at $7.00 per month.


Other Charges: Credit Limit Increase Fee: Each time your Account is eligible and approved for a credit limit increase, a $25.00 fee is imposed. Internet Access Fee: $3.95; Copying Fee: $3.00 per item. Wire transfer fee: $5.00 per transaction. For description of FINANCE CHARGES see below.

Additional Fees: Return Item Charge: $25.00; Autodraft Fee: We impose an $11.00 charge for each payment made through an autodraft service we provide. Autodraft payments requested through our automated systems (i.e. Voice Response or Internet) are assessed $7.00 per transaction. Express Delivery Fee: We impose a $25.00 fee for the express delivery of your Card(s) sent Priority 2-day airmail. This service is only available on lost, stolen or replacement cards.



1Penalty Pricing Information: If your Account goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles the APR for purchases will increase to 19.9%. The APR for purchases will be reduced back to 9.9% if the Account is kept current for 3 consecutive months or is paid in full.

NEED I SAY MORE