Need a credit card? Don't use First Premier Bank, they have fee's on top of fee's. The bank preys on people with less then the best credit, you will be charged annual fee's, and monthly fee's with interest rates higher then most. If you try to close the account they will waive the annual fee, then tell you how closing your account will affect your credit, my advice close the account and take the hit on your credit report, it is much better then working with a banks that legally steals your hard earned money.