I would not recommend this card to anyone with a perfect or good credit score. I initially applied for and received the First Premier Platinum Mastercard several years ago because I needed more disposable income to pay my bills. I have a low credit score, and this was the only card available to me. I still have the card and make faithful payments on it to improve my credit rating. Customer Service The customer service for this card is not bad. They are serious about collecting their money but they worked to make the payments more affordable once they got a picture of my financial situation. If a payment is due they make every attempt to collect, including daily phone calls to prevent default. In the time that I have had the card I have scheduled payments from my checking account well after the due date had passed, and the customer service department is usually willing to waive late fees by adding additional credit back once the payment has been processed. Because of the willingness of the customer service department to work with me in that regard I have never fallen so far behind that I would be in default or be reported to the credit bureaus, that would result in further damage to my credit rating. In this way I have found a way to essentially rebuild my credit, even with the monthly service fee of $6.25 and the initial $300 line of credit that was significantly reduced by processing fees. Available Rates The interest rate for this card is 19.9%, a bit higher than other cards that I could apply for but would not be approved. I have found that I am usually able to make the minimum monthly payment of $30 without difficulty and my credit picture has improved somewhat in the time since I was approved. I may be paying more than I usually would for a credit card, but then it also goes toward restoring my score.