Upon first visit to the First Premier Bank's website, I immediately liked the site design and the big sun glasses that greeted me. They set my mind into holiday mode which in turn made me want to look at what kind of credit cards were available.

I see it already, sun, sea and sand…. I could book a well deserved break once I am successful with my First Premier Bank Credit Card Application.

But website design is not a good enough reason to choose a credit card, so let's see what features and benefits First Premier Credit Cards has to offer.

When you submit your credit card application, it will take you all of 60 seconds to know your fate, if you are a busy person, (and who isn't) or like me, you want to book that vacation fast, you know how good this feature is.

Bad credit? No problem, if you have less than perfect credit your application is still welcomed.

The APR on purchases is 9.99%. This is an excellent rate, the website did not say if this rate is adjustable based on credit history but it seems so competitive, I tend to think that the lower your credit score the higher the rate. If this is not so, then you are on to a real cracker.

The cash advance APR is19.9% which is fair enough, after all it is a credit card and should not be used as a debit card.

You should be aware of the Penalty APR on purchases though. If you miss your due dates twice in any six month period or for two consecutive months, your APR would increase to 19.9% and will remain at that rate until you pay your bill on time for 3 consecutive months. The clouds are beginning to roll in on this offer.

If you think a bit of cloud is bad, when you see the fees attached to this card, those clouds would really bring the rain down.

On receipt of your card, your limit would be a minimum of $250. Then comes the fees:

• Annual fee $48

• Account Set up fee $29

• Program fee $95

• Participation fee $ 6 monthly

• Additional card fee $20 per card

• Internet Access Fee $3.95 once you sign up for the service

Most of the fees are added to your account from day one and it would reduce your available credit. When all is said and done, you could actually end up with an available limit of as little as $52 depending on which fees apply to you.

WOW! How far can $52 get me? My local Days Inn?

Based on these features, the First Premier Bank Credit Card operates a lot like a bad credit credit card. But on the plus side, once you pay your bills on time you would benefit from the competitive 9.9% APR.

I would definitely explore some other options.

To determine if this offer is the best you can get (and I sure hope it isn't), compare other bad credit credit cards and see what they have to offer before making your final decision. It could be that your credit history is ok, so check out the vast range of credit card offers that do not carry so many fees.