Agreements as filed with the CFPB. Not an offer of credit. How we read them
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First Premier Bank

Agreement Crkl

The filed agreement discloses a purchase APR of 36%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Agreement Crkl
Purchase APR36%
Cash advance APR36%

Analysis

Little could be extracted from First Premier Bank's Agreement Crkl 55 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

A filing that discloses little

Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.

Known terms amount to a purchase APR of 36%, and no more than that.

Rather than fill the space with generic commentary, this page stops here and points at the document. For a filing this opaque, the PDF is the only thing worth reading.

The limits of this document

The disclosure parsed here does not state balance transfer terms, an annual fee, a foreign transaction fee and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

This summary stands or falls on the linked PDF — four pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.

The source document

This page is a reading of one document: the cardholder agreement First Premier Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

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All 30 agreements from First Premier Bank