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

Agreement Crko

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 Crko
Purchase APR36%
Cash advance APR36%

Analysis

First Premier Bank's filing for Agreement Crko 49 discloses too little to analyse in detail — this page reports what could be read and points to the original document.

What could be read, and what could not

The disclosure captured from this document is thin: a few fields, and not the ones that usually matter most.

The fields that survived extraction are a purchase APR of 36% — nothing further.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement First Premier Bank filed is linked above and is the place to go.

What the filing does not tell you

This page cannot tell you balance transfer terms, an annual fee, a foreign transaction fee and a grace period, because the filing's disclosure table as read does not contain them.

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.

The document itself

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.

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)

Applications are handled by First Premier Bank, not by us. We do not take applications and cannot say whether you would be approved.

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Other cards from First Premier Bank

All 30 agreements from First Premier Bank