Moo! The Musings of a Plaid Cow

[First Premier Bank](http://www.firstpremier.com/) is definitely premier at one thing: charging fees. First there is the list of mandatory fees (even if you do everything perfectly):

* $29.00 Account Setup Fee
* $95.00 Program Fee
* $48.00 Annual Fee
* $7.00 Monthly Fee

Then the list of optional fees:

* $25.00 Credit Limit Increase Fee (whenever they want to increase your line)
* $3.95 Internet Access Fee (Thankfully only one time)
* $20.00 optional card fee

And all this is assuming that you pay the bill in full at the end of the month! You know that the fees have to be bad when they list out how much credit you are guaranteed to have once you get your card. The answer? $51 (based on a minimum initial credit line of $250).