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

First Premier Bank

CreditAGREEMENT CRKI

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 CreditAGREEMENT CRKI
Purchase APR36%
Cash advance APR36%

Analysis

First Premier Bank's filing for Creditagreement Crki 29 discloses too little to analyse in detail — this page reports what could be read and points to the original document.

The short version

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.

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 is outside the disclosure

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

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

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)

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Other cards from First Premier Bank

All 30 agreements from First Premier Bank