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I opened 1st Premier Jan 2007, 2 years post BK. Shark Card. I should have started with a basic jewelry card with a low limit. First Premier charged for: CLI's, a monthly participation charge, online access, payment by phone or agent and had high interest. It cost me more than I benefited from it and I wasted a lot of years with them thinking I was building(5). I should have piggybacked on them for a year and then ditched them. I turned them off last year along with my other 2 shark cards. I thank god they are gone every month when I pay bills. I no longer have to time their payment according to the mail service or add onto my charges all the addition 1st P charges. Shark Card.