This is one of many credit card offers recieved by people who have filed bankruptcy. First Premier Bank, SD Account Set-up Fee: $29.00 (one-time fee) Program Fee: $95.00 (one-time fee) Annual Fee: $48.00 Participation Fee: $72.00 Annually Additional Card Fee: $20.00 Annually per card Additional Fee: $25 per approved credit limit increase ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Althought nobody has a gun to anyone's head forcing them to get a CC, these co's target people who many times want to rebuild their credit after bankruptcy and feel they "need" a CC to do that. Some are mentally impaired and don't realize the trap they are getting into. These co's should not be allowed to prey on those who don't know any better than to accept this offer from hell. Does the USA want to stop further bankruptcies Maybe a good start is to tell people they don't need to get involved with predators to "rebuild" their credit and then ban these predators from offering this dreadful offer to anyone who has filed bankruptcy. At the very least, the US Trustee's should be required to give a very stern warning to everyone who files bankruptcy that the predators will come out of the woodwork and to beware. You don't need a credit card to rebuild your credit.