The First Premier credit card is designed for those who typically can't get approved for credit cards. It has high interest rates and requires you to pay about $150 or so before you can access your $300 line of credit. It's basically a very expensive card, but it works for credit building, supposedly. Does anyone like the idea of this card? Although I can understand it, I think you're better off getting a secured card. Even though the rates for those can be high, you can at least get your deposit back.