![]() ![]() ![]() Many different components go into calculating your credit score, but FICO - one of the primary formulas used to calculated credit scores - states that 35% of your score is based on your payment history and 30% of your score is based on your credit utilization ratio. Your primary goal while using this card should be to improve your credit score so you can get approved for a credit card with rewards, lower fees and a higher credit line. However, your annual fee will be deducted from this credit limit, so your initial available credit will be your credit limit minus your annual fee. The First Premier Bank Credit Card is unsecured, so you'll be assigned a credit limit by the issuer if you're approved. When you apply, you choose your card design from these six options. New to The Points Guy? Sign up for our TPG daily newsletter and check out our beginner's guide. But, if you have less-than-perfect credit and are struggling to get a credit card, you may be interested in the First Premier Bank Credit Card. So, if you have good or excellent credit, or can be approved for a no-annual-fee credit card from other issuers, this card isn't for you. The First Premier Bank Credit Card is an unsecured credit card designed for consumers with low credit scores who otherwise may be turned down for a credit card. ![]() ![]() So, if you have bad or poor credit, you may need to temporarily rely on a secured credit card or an unsecured credit card with high fees while you work to improve your credit score. Most rewards credit cards will want to see a higher credit score and stronger credit history before extending credit. If you have limited credit or are working to repair your credit, you may not have many appealing options when it comes to credit cards. This page includes information about the Discover it Secured that is not currently available on The Points Guy and may be out of date. Card rating*: ⭐½ *Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer. Instead, this is a card to use for a short time to build your credit before moving on to a more traditional credit card that offers rewards, lower fees, a higher credit limit and lower interest rates. You shouldn't plan to use this card long term. 299 only.The First Premier Bank Credit Card is designed for consumers with low credit scores who may not be approved for most other unsecured credit cards. Click here to apply now for an Add-on Card for a small fees of Rs.Track spends separately for each of your Add-on Card(s).Set the spend limit on your Add-on Card as you desire.Your Add-on Card will have all the benefits that you enjoy on your credit card.We make it easy for you to pay your monthly dues.SMS "KASSIST" to 5676788 and we will call back within two hours.Instead of you trying to reach us, we will reach you. The maximum railway surcharge waiver that is allowed in a anniversary year is Rs.500/. Save railway surcharge of 1.8% for transactions on and 2.5% for transactions on Indian Railways Booking Counters.Fuel transactions are not eligible to earn any Mojo points. Avail of a maximum fuel surcharge waiver of Rs.3,500 in each anniversary year. The 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3,000.Get your annual fees waived on spending Rs.*All eligible customers will receive joining fee waiver within 90-120 days from after card issuance 1,000 waived on spending Rs.30,000* in the first 90 days after card issuance. Get 8 complimentary Dream Folks Airport Lounge visits annually within India (Domestic and International terminals).For more details check out the Milestone tab.Get 2500* Mojo points every quarter on spending Rs.On all other retail spends earn 1 Mojo points for every Rs.On online spends you earn 2.5 Mojo points for every Rs.The Mojo Platinum Credit Card will nurture the shopaholic in you.Mojo points are valid for 2 year from the date of accrual.Earn unlimited 1 Mojo point for every Rs.Earn unlimited 2.5 Mojo points for every Rs. ![]()
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