pay in full. by the way, to save the fee first premier charges to pay online, set up online bill pay through your bank account directly. costs nothing and first premier still gets their $. saves you the $6-7/mo fp wants for paying your bill online.
consider getting a secured CC- ba, wells fargo, us bank, citi, etc. put as much down as possible (ideally 1k+).
while first premier does help your scores, there comes a point where i think it (and other low limit ccs) hurt you more than they help you. i know on my reports one of the things under 'things hurting your score' is 'low limits on ccs.'