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Credit Card Reviews » Centennial MasterCard®/Visa |
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In-Depth Credit Card Review: |
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Centennial MasterCard or Visa is designed by First PREMIER Bank specializing in credit offers for those with payment history far from ideal. It offers people with bad or no credit history a second chance.
The logo "MasterCard" or "Visa" on the plastic means that the card is acceptable almost worldwide. These companies provide emergency customer service 24 hours a day and in any language. So, being a Centennial cardholder you needn't worry about the plastic acceptance and service problems that may happen somewhere abroad.
Many people choose Centennial MasterCard or Visa because of the chance to get instant approval. As soon as you click “Apply”, wait for several minutes and you will learn whether you are approved or not. It is a very convenient option especially for those who are impatient to get the answer.
Centennial card’s APR on purchases is only 9.9%. In case your account passes the due date twice in any six month period, this APR will increase up to 19.9%. To reduce the APR back, pay your account in full or keep it current for three months.
In case you suddenly need cold cash, you may withdraw it using the plastic in the nearest ATM or at the bank. A fee for money withdrawal is 3% of the amount of cash advance which is similar to fees of many offers for good payment history.
The card has a grace period of 25 days. It means that you may avoid paying finance charges on purchases within these days. All you need is to pay the statement balance in full before or on the due date to use this free period for your purposes.
Applying for this offer you don’t need to worry of being rejected. If some banks refuse your application, First PREMIER Bank is ready to give you a helping hand even with limited credit history. And be sure, it will report the information about your regular payments to four major bureaus monthly. This will also play your game if you are a punctual payer and your aim is to rebuild your credit.
The bank offers 24 hour online banking service. Whether it is a day or night, you get access to your account number and balance when needed. You can also get a skilled advice from the bank’s representatives over the phone.
Weigh all this information once again. Make first steps with First PREMIER and you will be on the way to your good credit history and better financial future.
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| (Review Updated: March 04, 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: |
| Late Payment Fee: $29 |
| Over-The-Limit Fee: $29 |
| Cash Advance Fee: Greater of $5.00 or 3% of the amount of the cash advance |
| Balance Transfer Fee: n/a |
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| Type of Reward: None |
| Additional Nones: None |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Centennial 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 MasterCard®/Visa: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Centennial MasterCard®/Visa was updated on March 04, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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