First PREMIER Bank - South Dakota First PREMIER Bank MasterCard CON ARTIST PRAYING ON THE LESS FORTUNATE BY OFFERING CREDIT CARDS AND CHARGEING OUTLANDISH FEES Sioux Falls South Dakota

This is the transcript of the chat that was supposed to be live. see for yourself....

Megan Says: Wait! Before you go, we'd like to offer you our First PREMIER Bank Gold Card with +0.0% APR on purchases for 12 months. That's reduced from 9.9%! CLICK HERE to Apply. + CLICK HERE to see rates, fees, costs and limitations.

Megan Says: Please type 'HI' or 'HELLO' in the space below to let me know you are there...

Megan Says: We'd like to help, even if your credit is less than perfect. CLICK HERE

You: hi

Megan Says: Hi and thanks for chatting with me! CLICK HERE and Know within 60seconds if you are APPROVED!

Megan Says: Our Goal is Simple. If you're having problems getting a credit card due to past credit history, you've come to the right place.

You: too many fees

You: you emailed me

Megan Says: First PREMIER Bank was established in 1929 and is located in Sioux Falls, South Dakota. We are a registered member of the Better Business Bureau and a member of FDIC (Federal Deposit Insurance Corporation). We serve well over 3,000,000 accounts today.

Megan Says: Looking for a credit card that's right for you? Even if you have less than perfect credit we'd like to help. Apply now and get your approval in 60 seconds! CLICK HERE.

Megan Says: There is an account Set-up Fee of $29.00 (one-time fee), a program fee of $95.00 (one-time fee) and an annual fee of $48.00

Megan Says: For a complete list of fees please CLICK HERE

Megan Says: We'd like to help, even if your credit is less than perfect.

You: this isnt live its deceitful, how can i trust you

Megan Says: Enjoy the benefits of First PREMIER Bank -- 0.0% APR on purchases, Reports monthly to 4 Major Credit Bureaus, The prestige of a Gold Card and Quality Customer Service!+ CLICK HERE to see rates, fees, costs and limitations.

Megan Says: No this is not a scam. If you elect to close your Account within 30 days of receiving your credit card contract and before you make any additional charges to the card, the four initial fees will be refunded to you.

Megan Says: So you have nothing to lose! CLICK HERE now to get started!

Megan Says:CLICK HERE to apply now for our BEST offer and get a Low +0.0% APR on Purchases for 12 Months while you enjoy Gold Card Prestige and Quality Customer Service. + CLICK HERE to see rates, fees, costs and limitations.

Megan Says: Best of All Know within 60seconds if you are APPROVED! Would you like to take advantage of this last-minute offer?

You: i have 4 cards w/ no fees

Megan Says: Remember, even if you have less than perfect credit we'd like to help! Get a decision in 60 seconds and you could have your MasterCard with a low APR on purchases!

You: this has beed cut and pasted and will be posted on rip off report.com

Megan Says: The application process is fast and easy and you can have your MasterCard in days! Get the credit you deserve. Would you like a link back to the application page?

If you have made no purchases on the card, all you need to do is request the company complete a non-use closure. This will allow you to close the account while not being held responsible for the start up fees. Or if you seriously did not apply for the card, request the company to complete the processeses neccessary to report a fraudulant application.

I do want to add that the company involved is actually a good credit card company to turn to if you are in the need of improving your credit score. You must always remember your intentions of the card when swiping or making the payments on it. Make timely payments and remember to keep a low balance on it. This card can improve your credit score when being smart, or can put you much further in debt if misused.