1st Financial Bank USA in North Sioux City, SD

I've had this card the longest. Got it fresh out of high school about 7 years ago with an interest rate around 18% I think. Like pretty much everyone else on here, it was the only company that approved me and they started me with a limit of like $250. I've actually never had a negative experience with these people. My interest rate is now 16.5% apparently that's the lowest rate they have. Some years ago they sent paperwork notifying me about an annual fee and other changes but it gave the option to reject which I did. I don't pay an annual fee for this card and I rarely even use it. I do think they have really lame card design options. You have to send them a message and they send you paperwork and the available designs. I think it's cool that on balances under $260 there is no interest. This card also happens to have the lowest interest rate on cash withdrawals compared to my other credit cards. I believe it's either 16.5% or 18% I'd have to double check. Either way most other cards are like 25% interest on cash withdrawals if you use that. These are the only "perks" of this card. There are no rewards or incentives like other cards. I am grateful for the opportunity this company gave me as a kid. Just be responsible and don't overspend. Overall I don't love this card but I don't hate it. I keep it because it's my oldest card by far.

Amazing, first bank to start building your credit. If you have the cash and can pay in full at the end of the month, this card is for you. On another note if your planning on using this financial institute for emergencies and large expenses this bank is a definite "NO". The interests rate are high because most applicants are high risk. I don't blame them for being on top of their financial needs to keep their bank running. My advice, build your credit than apply at another financial institute with a lower interest rate. After all any balance that has to be paid later and over drafted to the next billing cycle indicates that you are not a good applicant for a credit card. A credit card should only be used if you know for certain that you'll have the money at hand when the amount is due. Be smart.

As someone mentioned above I've also been with this credit card since high school (I'm now 34 years old). That's how I think they reel you in because you don't know better. I've never had a late payment in the entire time I've been with them, I've paid it off twice, and yet anytime I call them to lower the APR they say there's no way they can do it and it's staying at 27 percent and I can just deal with it. It's funny to me that the other cards I have that I am also in good standing with always find an option to lower my APR or cut something because I've been a long time customer. I just did a balance transfer with another one of my card companies that is far more reliable and now have this card only as a huge emergency card when I have no other options. This is the worst company ever. If you're in high school please don't let them rope you into this card because they sell it well, I speak from experience. There are other options for you for your first credit card. Talk to you parents, other banks, and friends who can help find out a better option. Been with them since 1999 and the only reason I keep it open is for emergencies now.

Terrible card! I received this card fresh out of high school looking for a way to build my credit. I've had the card for almost seven years. The interest rate is ridiculous!! 30% I wish I had known better, it was lower at first but quickly jumped without notice. They have also added on an annual fee to my account that I wasn't warned of. I now have almost a $11,000 credit limit on this card. After having to use it for some medical bills for my child, my monthly payment quickly became less than the interest added to my account every month. This had my stuck in a place where my balance was never dropping. Thankfully I applied for a card balance transfer with a very reputable bank and will actually be able to pay the debt off now without having the insane interest rate.

I have had this card since I graduated from High School in 2003. It was a great way to start building my credit. They also offered a nice 0% rate to start with up to a certain amount, if I do recall correctly it was $100 or so. Being 18 years old that's really all I needed. I still use it here and there for small (up to $200) charges that I plan on paying off quickly. Like many others I wont close it because it is my oldest credit card and with a very high credit limit. It served its purpose and its always nice to know that I have this card and limit available for any emergency.