Is firstpremier.com Safe?

The Bank With The 79% APR Has A Long, Long History Of Abuse Earlier today, we told you about a pre-approved credit card from First Premier Bank that comes with a staggering APR of 79%. We did some digging on First Premier and found that the company is no stranger to lawsuits and predatory lending. Consumer Affairs reports that credit cards from First Premier can come with up to $180 in start up fees. Here's a breakdown: * Account set-up fee: $29 (one-time fee) * Program fee: $95 (one-time fee) * Annual fee: $48 * Participation fee: $72 annually * Additional card fee: $20 (if applicable) * Transaction fee for cash advances: Greater of $5 or 3% of the cash advance * Credit limit increase fee: $25 * Return item charge: $25 * Auto draft charge: $5/$9 per draft * Express delivery fee: $25 for cards sent Express Mail * Copying fee: $3 per item * Internet access fee: $3.95 Customers are clearly outraged: Lance: I did not read the fine print when applying for this First Premier Bank card. The credit card they offer comes with up front fees of about $180. There is also an Online Banking Fee, annual fee, and a "program fee"...or something. Basically, its a ripoff card