Good afternoon. I want to tell you that to begin with, it will be difficult for you to find a card with an annual interest rate above 36%. This is the current annual rate charged by First Premier Bank. If you are using a First Premier Bank card for a loan, you should avoid having a balance on your balance. In addition, such a high first premier bank interest rate means that any late or missed payment can not only hinder your credit progress, but quickly lead to high interest debt.