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

Agreement Crkx

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 Crkx
Purchase APR36%
Cash advance APR36%

Analysis

This First Premier Bank filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.

A filing that discloses little

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

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.

What the filing does not tell you

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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of 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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Other cards from First Premier Bank

All 30 agreements from First Premier Bank