Agreement Crko

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.

Limited disclosure

Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.

Known terms amount to a purchase APR of 36%, and no more than that.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement First Premier Bank filed is linked above and is the place to go.

What the filing does not tell you

Absent from the captured terms: balance transfer terms, an annual fee, a foreign transaction fee and a grace period. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.