Platinum Credit Card Offer Review

is the pre approved platinum credit card offer and website for a credit card invitation with confirmation number.

When you visit the website you simply enter your confirmation number to apply for a First PREMIER Bank Platinum MasterCard.

You will then be taken to the application form where you fill out the information requested.

Today we are going to do a quick Platinum credit card offer review for you. We will try to answer the most commonly asked questions as well as listing the pros and cons we have researched.

Is First Premier a Major Credit Card?

The First PREMIER® Bank Mastercard Credit Card is an unsecured credit card for those people with bad credit. It can be used anywhere MasterCard is accepted.

There is no deposit like on a secured credit card. There are fees associated with this credit card.

This includes an application processing fee, then an annual fee and a monthly fee. Please review these details on their site to get the latest most accurate information.

Does First PREMIER® Bank’s Card Report to Credit Bureau’s?

This credit card for bad credit does report to the major Consumer Reporting Agencies. When used responsibly to rebuild your credit score, it can be helpful. If you miss payments or have late payments it could hurt your credit score.

The card should be managed carefully to provide all the positive benefits to you. The goal should be to improve your credit score and to get a lower interest credit card with no annual fees or monthly fees. This card is strictly for those who have bad credit with no other options.

Does The First Premier Credit Card Have a Processing Fee?

Yes there is a $95 processing fee. Make sure you understand this. Many people who have reviewed this credit card have mentioned not knowing about a processing fee.

*We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.

Pros of The Platinum Credit Card Offer

The Pros of getting the Platinum credit card offer is that it is an unsecured credit card. Most people with bad credit will be required to put down a deposit on a secured credit card.

The credit card if used responsibly reports to the major consumer credit reporting agencies which can be a positive. This is of course if you make your monthly payment on time.

Cons of The Offer

The major Cons of this offer are that you will be paying a processing fee as well as an annual fee. You also pay ongoing monthly fees.

Another negative would be the low initial credit limit. You will also be paying a high interest rate on any balance you carry on the credit card.

This is why it is important to only carry a small balance on the card. This is due to the debt to credit ratio that you should keep that can impact your credit score. This looks at the available credit you have vs the percentage of that credit you are utilizing. If you only have a $300 credit limit to start, you would want to carry no more than a $30 balance or 10% of the credit limit.

This means you will need to make payments regularly to manage this ratio.

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