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Credit Card Reviews » Centennial Gold MasterCard®/Visa |
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In-Depth Credit Card Review: |
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Bad credit? No problem! This is a desired phrase for all customers burdened with bad/no credit rating status. But, while a credit card has become an essential money management and payment tool, it is not that easy to get one if your credit rating leaves much to be desired.
Still, you can become an owner of an unsecured credit card even if you have had problems with credit. First PREMIER bank issuing credit cards for customers with less than perfect credit has a special offer for you. First PREMIER bank Centennial Gold MasterCard®/Visa is designed for people who are looking for a regular credit card but do not get approved for it with other banks.
First PREMIER bank Centennial Gold MasterCard®/Visa is meant for “personal use” and applicants whose FICO score is at least 560 points.
Unlike most credit cards for bad or no credit, this card issued by First PREMIER bank, offers its holders low APR on purchases and a competitive set-up fee. The card charges customers a range of other fees reducing your available credit until paid off, but you may be eligible for a credit limit increase as soon as in 6 months.
You can also avoid finance charges and APR on purchases if you pay your previous balance in full before the due date, as you become eligible for a 25 days grace period on purchases.
First PREMIER bank Centennial Gold MasterCard®/Visa allows its applicants instant decision and, if they qualify, grants them the Gold Card Prestige. What’s more, apart from the benefit that you do not have to secure the card, it also gives you a chance to improve your current credit rating or build a solid credit history by reporting monthly to 4 major credit bureaus.
Among other benefits of First PREMIER bank Centennial Gold MasterCard®/Visa is a customer’s ability to watch his/her credit history improving. The bank provides its customers with 24-hour account access by phone and allows them to take the opportunity of online credit education.
Perhaps one of the greatest advantages of this First PREMIER bank credit card is that it can carry the brand of MasterCard or Visa and you yourself may choose which one you want. Visa and MasterCard allow global acceptance which means that your card will be taken by all businesses accepting credit cards as a means of payment.
If your credit is less than perfect or it is bad, First PREMIER bank Centennial Gold MasterCard®/Visa with the low APR on purchases, 24-hour account access by phone, the prestige of a Gold MasterCard/visa and instant approval decision, is your best choice on the way of improving or building solid credit history.
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| (Review Updated: January 28, 2008) |
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n/a Intro APR (* see notes for details)
9.9% Regular Fixed APR for Purchases
19.9% Regular Fixed APR for Cash Advances |
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$48 Annual Fee
25 days Grace Period |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $29 |
| Over-The-Limit Fee: $29 |
| Cash Advance Fee: 3% for each cash advance, with a minimum of $5 and no maximum. |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: $50 Credit Limit Increase by Making your first 2 Minimum Payments |
| Maximum Credit Limit: n/a |
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| Type of Reward: None |
| Additional Nones: None |
| Bonus Nones Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Centennial Gold MasterCard®/Visa: |
Know within 60 seconds if your application is approved!
See website for additional benefits.
Qualify For Future Credit Limit Increases.
Your Liability For Unauthorized Use Of Your Card.
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| Important Notes for Centennial Gold MasterCard®/Visa: |
To offset the necessary start-up fees, the Centennial Gold charges just 9.9% APR on purchases.
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| Notes: The review on Centennial Gold MasterCard®/Visa was updated on January 28, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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