I have been in the customer service field for over 20 years and also dealt with numerous credit card companies and I can't believe the fees, interest rates and the customer service they provide. I tried them out for year and had to cancel because poor quality in all areas needed to maintain confidence and quality for their customers. I would not recommend First premier card for any first time credit card users, young or old. If First Premier has any questions regarding my comments you can reach me anytime.