The interest rate charged on a loan, credit card, or mortgage over a year's time
The fee charged annually by a credit card company to its cardholders. This amount is added to the cardholder's statement.
An individual's credit rating is typically considered bad or poor if their FICO score falls below 620. Issues that drop a FICO score to such a level include defaulting on (failing to pay back) loans and credit cards, making payments past their due date, and/or carrying a high level of debt.
The transfer of an existing account balance (in part or in whole) to a different account, usually an account held with another creditor.
Balance Transfer Fee
The fee charged by a credit card company when a balance is transferred to one of its cards.
A legal declaration of one's inability to pay his/her creditors. In most cases, voluntary bankruptcy is initiated by the individual in debt (the debtor); in rare cases, creditors may file a bankruptcy petition against a debtor to initiate an involuntary bankruptcy.
The following are the top unsecured cards for consumers with a bad credit history. Unsecured credit cards, which are generally fee-based, do not require that the cardholder submit a security deposit in order to carry a credit line like prepaid and secured cards require. In addition to offering quick and easy applications, these cards also report monthly to the major Consumer Reporting Agencies, ensuring that your account history gets reported to your credit profile.
We may approve those currently building their credit history
All credit types welcome to apply!
Looking for a second chance at a credit card? We may approve you when others will not.
The First PREMIER Bank Mastercard is a good addition to your credit options.
The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis.
Good credit not required
Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
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
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