First Premier Bank

I went online and got my account payoff. I mailed them a money order for that same amount that they had told me. I soon got a statement in the mail from them stating that I had overpaid by $54.00 and that I had a check coming for that same amount. The check never came. Next thing I know here's this letter in the mail box stating that I now owe them $76.00 and some change for late fees and other ** fees. Now I'll have to pay them or they will put a bad mark on my credit.

How can these people get away with doing this to other people? I simply wanted to pay my balance and close out my account with them to get out of debt a little bit, crooks! I hope this complaint makes it out to the people. Banks like this should be investigated when they get a certain number of complaints against them. The dollar amount of the charge is not a big deal. But, where does it end? Will I ever pay these crooks off?

I signed up for a First Premier Forward card with this company. But after reading the terms and conditions more closely, I decided that this card was just not worth it. Too many fees! I quickly began trying to get in contact with them but it is impossible! They tell you to call during normal business hours which they claim are 7 AM to 9 PM, yet when I called during business hours I was told by an automated message that they are closed! Do not get this card! This is a horrible bank!

My first bill was due on Sunday.

On Friday, two days before my bill was due, I called Premier company to pay my balance. No option to talk to a live person, could only get a recording that said my payment would not be processed until Monday...the day after it was due. At 49% interest, $100 dollars in late fees. Three days to process a payment? Even when they are open over the weekend? They have some interesting tricks to get their hands on that 49% interest.

While I was debating this event for a week or so, they reported it to Experian the next month. When I finally managed to get a live person on the phone at Premier, she refused the withdraw the report to Experian even after I told her the situation.

I again made an attempt to pay in full by the next due date and again was only given the option of a recording saying that my payment would not be processed until after the due date.

In addition, my credit report stated falsely that my account had been closed at my request even though I had never been able to get a live person at their end. All within the space of a 2 months from beginning to end.

First Premier Bank behaved unethically with me. I received the card, used it a minimum number of times over a month for approximately $200. My first bill was due on November 6 Sunday. On November 4 Friday, two days before my bill was due, I called First Premier Bank to pay my balance. No option to talk to a live person. I could only get a recording that said my payment would not be processed until November 7 Monday, the day after it was due at 49% interest, $100 dollars in late fees.

Three days to process a payment? Even when they are open over the weekend? They have some interesting tricks to get their hands on that 49% interest. While I was debating this event, they reported it to Experian the next month. When I finally managed to get a live person on the phone at First Premier, she refused to withdraw the report to Experian even after I told her the situation. She wouldn't listen at all.

In addition, my credit report stated the account had been closed at my request even though I had never been able to get a live person at their end, all within the space of 2 months from beginning to end.

Not only does First Premier Bank prey on those with less than good credit, but it makes the situation worse by charging ridiculous fees. The initial credit limit is so low and on top of what is a low initial limit, they charged me $130 in fees, reducing the available amount. They charge you $4.50 to access your own account online, then to increase your credit after a few months of good payments, they charge you for increase as well. This is direct from their website. "Credit Limit Increase Fee" in the amount of 25% of the approved increase amount. Someone needs to take action against the company.

I got a letter in the mail stating that my payment was returned and got charged a fee of $25. Here's the issue. First of all, I didn't get credited the money back into my bank account because my payment went through just fine. Secondly, the website shows that my payment was accepted and my payment history shows no returned payments ever. So having this proof, I emailed them and let them know about the mistake.

This is a terrible card and company to deal with. First we had to pay over $130 to get the card and activate it in hopes to help our credit. Then we found out we have to pay to access the account online, make a payment, and you can never talk to a live representative. The fees and rates are astronomical and for what? There is no benefit to owning this card. We want to close the account once we finish paying it off, but they will probably charge us for that too. They prey on people with bad credit and take advantage of people getting back on their feet.

I applied for a card with this company recently. They never sent the card but they are asking for a fee to activate the card (which is $95.00, by the way) using either another credit card or my checking account. Although I don't even have the card, they send me e-mails everyday, urging me to pay the fee and activate the account. Unbelievable. I don't trust them. Please don't ever give anyone your bank account access or the info from another credit card because it makes no sense! Legit credit card services generally charge your fee to your new card and usually the fee is a lot less than this. I want to see what happens (i.e. will I get the card, etc.). If I find they've used my information in an illegal way, I will make sure to take further action.

This place is truly awful! They gave not one but two credit cards to someone using my information! The contract dates are before I was 18 years old and they will not take it off my credit report even though I have provided plenty of proof that both accounts are not me! Not to mention calling their customer service department the reps are rude and won't listen to you and they don't note the account properly at all. I want to obtain a home someday and these accounts are bringing down my score! Why can't I get the help I need and for us good people to stop being ** over?

These people can't stop sending pre-approved offers, which is a rip off. Their customer service always asks for my social security number. I don't feel good about this.

I have had the card for a couple of years, and recently moved for a new job location. During the process of training and moving, my bank quit doing the auto pay on my account. So, I started doing direct draft through First Premier and that was doing good until I changed addresses and then it caused two payments to fail. Once I knew about that, I got it corrected so that my bank would not deny them and then the next three payments went through perfectly. But now they canceled my account without cause and due to the two denied payments due to my moving and such. There was enough money in the account to pay for well over a year of total payments. But due to moving and security issues involved, the payments got denied. They are ignoring me and will not turn my card back on.

Well if they do not, I will put it all over the web and start sending out flyers, warning people to avoid them. This is so totally wrong for them to take such action when it is not needed nor deserved. I have been an honest and faithful customer of them and a simple move and such caused this to happen. I want them to fix the mistake and put my card back active. This will be all over the web and mailing and email if it does not get fixed. I have the right and duty and obligation to protect others from their inappropriate actions. If I do not do so, then I am no better than they are. Can you not save a life and live with yourself? Same concept.

I have been trying to repair my credit to buy a home so I initially opened a card with this company. Later, I received a credit limit increase and a second card in the mail. My son became ill soon after and we were having trouble getting him diagnosed so I closed the first account paid in full and remained with the other trying to avoid late payments. Unfortunately with him being misdiagnosed, we spent more time than anticipated so I had 2 late payments in 2010 and 2 in 2009. Now remember, I spent most of my days in the hospital and work with proven doctors. Now you would think they would have offered me the option to apply my credit protection I have been paying for.

Never once was it mentioned. Now I have these lates with the bureaus and I am trying to get them straightened out and customer service still continued to tell me what they couldn't do for me as if stating they put a little note in my account. So every time I call, they have a preset notion on how to advise me. Well, the rude rep was nice enough to incorrectly transfer me to the new apps dept instead of the credit dept so that I could get some help but luckily they had a competent person who was able to tell me I could probably apply my credit protection if I have sufficient info. Needless to say, for every rep i spoke to before, they added the notes to my account.

He told me I could just send all of my personal info to the correspondence dept to get help but another rep after about the third call stated, "Well, the notes in your account says that we can't take a late payment off your account or unreported; that would be fraud but you can dispute it with the bureaus yourself and that wouldn't be fraud." Currently, I am still working on getting this taken care of, despite the fact that the customer service dept needs to be retrained and have to stop telling people what they can't do for them and let them know what they can do to help them. After all, they have a job because we are the customers. When there are no customers, they have no jobs.

This company is a scam, they have a very high interest rate, however this is not my issue. They charge more than the card limit a year in hidden fees, and by doing this, they put my card over the credit limit.

I made my normal payment online on 12/01/11, and was below my limit before and after I made this payment. Two days after this payment posts, they started calling me on my cellphone more than 10 times a day on a blocked number. They told me that I needed to make another payment, to which I said I just did and I am not late, so why are they calling me. Their reply was it was only to remind me that I was now over my limit (due to their hidden fee of $48.00 per year). I told them I will make my payment when it is due, and when I get my statement in the mail, I will go online and pay it as I have done all year. They told me that unless I paid them right now, they were going to report me to the credit agencies, and it will mess up my credit. It is so hard to get credit, that this will ruin my future attempts to get a credit card. I told them to close my account, and to stop calling me on blocked numbers. They again told me that I will be placed on their "high cycle" call list, and to expect more calls now, unless I pay right now, and again threatened me with a bad credit report.

I asked why they keep calling on a blocked number, and was told that their computer system sometimes does this by mistake. Every call I have gotten from them in the past two weeks has been blocked, and there have been a minimum of 10 calls per day.

My card had a $300.00 limit (so low, that I don't pay that much attention to it), and I was charged over $200.00 in fees last year, without using it at all. When I did use it, they pulled the above **. I don't understand how this company is allowed to prey on people like this. My credit isn't the greatest, however it isn't the worst. This company makes its riches off of poor people trying and buying into their promise of helping them with their credit scores.

Stay away from this credit card! If you have an account, please close it ASAP! They charge an annual fee of $48, plus $8 a month "service fee", plus interest! Also, there is a huge 50% interest, if you want a credit limit increase! These scammers are getting rich off people, who are trying to restore their credit score, and taking advantage of them to the fullest extent. If you have an account with them, transfer it to another credit card, or please pay it off. It's going to be hard enough to close the account, because they will say anything to keep you, but don't fall for it. I can't believe how much money I paid in fees, interest, etc, when I never missed a payment in over 1 year. Sad! 99% of credit cards dont pull the ** this place does. You are warned!

If you make a payment to First Premier Bank, even if you are considered a good enough customer for them to constantly ask you to apply for another card due to your great credit history, they hold the payment for more than 20 days before you can use the money. So, if I pay off my credit card completely, I still have to wait more than 20 days after the payment has cleared my account before I can use my card. This is absolutely criminal and should be on the front page of every story about credit card abuses.

Total crap of the Obama administration, letting the banks screw people with sky high interest rates and add on fees like 4.95 a month to make your payment online. Capital One doesn't charge for paying online or many other banks. Just lost my job due to cutbacks and now I'm faced with filing bankruptcy. Perfect credit, too bad credit in a year time. Keep it up Mr. President, there are still some middle class working people left to drain.

I paid off my credit card account on 10/18/2011. I checked online to make sure that the account did show a zero balance. My account shows a $7.00 monthly service fee. I called and spoke with a woman by the name of Rhonda, who informed me that the charge has been charged due to the term and conditions every month. I asked her why is it charged to an account that is paid in full, her reply was because they do things that other credit card companies don't do; that they report 40 something' times to the credit card bureau. I told her that I find this ridiculous to charge for an account that is paid in full and that they do not need to report it so many times and that I just may close my account.

I'm making a payment over the phone for one of my 2 accounts. I am making the payment on the exact due date on my statement and am told that I will be charged an ($11.00) fee which I think is ridiculous! I can understand if it was late, but my payment isn't late. Not only that I sit on the line for (15 min) being sent from your voice activated system, to a customer service rep. which doesn't speak English well. For the card I am making the payment on, I shred over 2 years ago. I am also told because I have shred my card that I am charged ($11.00) to make an online payment to the same account. I am very dissatisfied with First Premier Bank and have been the past few times in speaking with your customer reps.

I arranged to make a payment after the due date of the payment. This showed up on my credit report as a late payment. I was confused. Why would it be late if I had called and explained to them my story? I called them up and got no satisfaction. Even though I arranged to make the payment after the due date, it was still considered late. My credit score dropped 50 points. I am in the process of buying a home. Now my score is below 620 and the mortgage company won't move until it comes back up. Meanwhile, I've already moved my family out of my apartment.

I have had this card for three years, paying high start fees to rebuild my credit after an identity theft. Now my rate is more than doubled. The reason the customer service agent said was Obama's Credit Card Law. That is **!

So this may be a bit different from what is typically being said on this forum about this company but here is my story.

I opened my first credit card with Premier Bank in October of 2008 with the standard one-time fee and ensuing agreement of the monthly fee that would be charged to use the card, etc. I made minimum payments every month but they were on time. They used to charge a fee to make payments online on their website but I haven't been charged a fee in months and reviewing their recent information shows that they no longer charge for that option.

Fast forward a little bit to July of 2009. I was feeling a little zealous and decided I wasn't satisfied with my credit limit of $200 so I went online to the website and applied for a limit increase (they do charge at minimum $25 if you are approved for one). Well, I got approved so that was it. I walked away expecting it to show up on the next billing cycle.

Fast forward to August of 2009 and I got a voice mail from customer service on my phone telling me I was late on a payment. I flipped out. I have had horrible credit for years and I was finally in control of my credit and was trying to lead it to pristine waters. So as soon as I got home from work, I called customer service to find out what was going on.

The representative I spoke with informed me that a new card had been sent out (that I had zero knowledge of) with a $300 credit line on it and I was late for the first payment, which was the activation fee and that I would be assessed a late fee if I couldn't make the payment with her over the phone.

So instead of totally losing it, I started poking around for more information. I asked her if the system showed a limit increase request, she said yes. I asked her if I was assessed a fee for it, she said yes. I asked her if there was ever any record of my contacting them for a new card or anything showing they ever contacted me, advising or offering a new card, she said no. So slowly, I was building up to boiling point and I asked her how it was feasible for them as a company to give me a new credit card that I didn't ask for or know about and send it to my home address (100% activated and ready for use, someone could have pilfered my mailbox and used it) without my knowledge and then bill me without my knowledge and then try to get a late fee out of me, too?

Well, she understood my concerns and we both quickly saw that there had been an error made on behalf of First Premier Bank so she did remove the late fee (I had already been assessed) and waived the over-the-phone fee and processed my payment. So at this point, I have two credit cards with Premier Bank with credit totaling $500.

Fast forward to February 2010. I had a late payment that was my fault. I lost my job and didn't manage my money well enough to have made this payment on time (I made one of them but didn't have enough for the other). I was upset at the fee but it was reasonable.

Fast forward to October of 2010. I contacted Experian who contacted First Premier on my behalf to ask if they would be willing to remove the reported late payment status. They did!

Recently, I applied again for a line of credit increase on my (original) card and was approved for a $100 increase with a $25 one-time fee. I now have total credit with Premier Bank of $600, of which about 40% is currently in use mainly on one of the cards.

Overall, I have to say that as a company, I am impressed with the way Premier Bank has treated me as a customer. Even the brief period when I was jobless and used my credit protection aside from having to fax the information to them every month to have them apply the credit protection payment was seamless. And the fact that they were willing to retract my late payment reporting status on one of my cards just proved to me that they are at least, in my eyes, dedicated to helping me re-establish my credit.

I do have to admit I would have preferred them just keeping me with one card and increasing the limit instead of having two credit accounts with them but that isn't a real complaint. The main reason for this post is that I know there are tons of people out there with horrible experiences and while the small problems I have encountered with them over the course of my history with them pale in comparison to what everyone else here has experienced, I just wanted to make sure there was a balanced representation of both aspects here.

If you are struggling with credit but have a good financial situation, First Premier Bank can help you get re-established.

My definition of good is as follows. "If every month after you pay your bills and take care of everything that needs to be taken care of and you still have disposable income around (complete BS money that is solely dedicated to whatever you want to use it for) $100-200 without having to borrow from anyone, that you should be okay to get a starter credit card like this one."

If you are struggling or think that a credit card like this can help you with extra money, you are wrong. A lot of people forget that you have to pay for it and starter cards like this, with all the fees they charge, are not meant to be used like, say a Capital One credit card or a Discover Card (which I now have).

Anyway, good luck to those of you out there that are trying to resolve issues with Premier Bank!

These people are very good at scamming. I will admit that I charged probably $300.00 (I have a $700 limit.) Somehow my balance due was $700 -- convenient, huh? One month, they sent me a bill for $30, so I paid it. I didn't purchase anything else, and my next balance was like $740. I had asked that they send me a list of my transactions as I paid the $5 for the online banking but it wouldn't show my transactions (or I couldn't find it).

Anyway, I have made no more charges, but a lady called today demanding payment today! I told her that I could pay it next week as some circumstances had arisen. She got more and more hateful and even said she would mark it down as refusing to make a payment if I didn't give her my checking account number over the phone. I told her that I hope she was recording the phone call as I repeatedly told her why I couldn't pay today and that I would certainly pay next weekend. She kept insisting and threatening so I hung up. I will never use the card again. And I have turned this into a lesson.

When I opened my account for a credit card, I requested, due to income pay date, that my due date be changed to the first Friday of each month. For 3 years plus, this was an established practice, making note that I always paid the total amount due in full with all banking charges.

In September 2011, I elected to pay the minimum amount due of $25.00, then in October again, the minimum amount due of $36.00 via money order and deposited it into the U.S. mail at the same date on the money order. On the 3rd, I made, as always, the mail payment by the end of the week on the first week as the agreement made prior to this incident.

On the 6th of October, I received a call, demanding payment that was subject to late charges and the bank fee's bank acting agent states that they did not receive my payment. This is the reason for the call and collections via the phone call!

Per the automated systems at the bank, my payment was received on the 6th of October. The acting agent of the bank states, "Yes, your payment history is, as you say, for years in the first week of every month, after the 3rd." And regardless of the years of my payment history and paying my debts, I'm past due, subject to late fees that is now affecting my credit history and report.

This is a case of misstatement of facts and failure to verify records, damaging my credit report and history without justification of action taken by bank employees as acting agents of First Premier Bank. This also violates any and all verbal contract with the bank with the evidence of such within my years of doing business with the bank as an established custom and practice. I closed the account with merits that the bank in fact broke the contract and damaged my credit score and history without justification.

I don't even bank with them. My brother got a card so I figured I'd apply. They want me to send them $95.00, so I said no. Now, they're calling me under an unavailable number. They only left me one voicemail, which I deleted, but they keep calling. I'm not behind on any bill so the only one calling is them. Nobody else has my number and until I filled the application out, I never got a call and I've had this same phone for over 3 years.

They are absolutely relentless in their collections. They have me on an auto dialer to call me. Even if I make a payment arrangement, as long as I am past due, their auto dialer calls me every single day on my cell phone. I have come down with two lung diseases and have huge medical bills. I can only pay $25/month but it does nothing to my balance. All it does is cover a monthly late fee that I can never come out from under. I only owe them $150. I have paid this $25/mo for over a year and my balance is still the same. It has been an absolute nightmare for me as I'm on disability and unable to come up with more. When you make a payment, they keep you on the phone for ages confirming all your info, asking you to ask relatives or friends to lend you money, etc. It's causing me extreme stress and headaches. I can't rest after surgery because of their phone calls. Getting an account here was one of the worst decisions of my life.

I have other credit with other companies but First Premier is the worst I have ever dealt with.

They claim to help you out with your credit but if your payment is one dollar short before your due date, they will charge you a late fee and raise your minimum payment and to make it impossible to exactly pay your balance in full, they don't try to work with you at all.

I opened a First Premier prepaid credit card to start fixing my credit. I had the card for four months and made payments on time every month without ever having a problem. I got my taxes back this year and decided just to pay off the $300 balance, so I called the 800 number to make the payment like I always do. They have all of my bank information on file. I went through the automated line, made the payment and got the confirmation number.

About a week later, the money was still not out of my bank account so I called to check, and the automated was saying that they had not received a payment. So, again, I tried making a payment and, again, the same thing happened. I did this for four times and each time the same thing happened. I have confirmation numbers for every transaction. I had plenty of money in my bank account to make the payments and it never once showed up in my bank. I tried contacting someone from First Premier bank and never got a hold of anyone.

It has been three months and now, I am getting hot with $29 late charges because the payments are not posting. I figured that someone would eventually call me asking for money. Finally, someone called me and I explained what was going on. The lady was very nice and she could see all of the records wherein payments were made but never taken out. She said that she had never seen that happen before and she would take the late payments off. By now, there were four late payments and I was over limit. She took a payment over the phone with the same information that they have on file and the payment went through just fine. But she only took off one late fee.

Today, I called to discuss getting the other late fees removed and the lady was very nasty telling me that the one $29 fee that they took off was only a courtesy. They didn't have to do that. It was my fault that the payments were not made and nothing was wrong with their system. I feel very strongly that this is fraud and a scam to get more money out of people. It's not as if they don't already make a killing by charging almost 30%.

I opened a credit account and they closed it without any warning. Then, they took my ability to pay my debt and reported it to Experian. They called my work to get a payment over the phone, which they accepted, and insisted that I make a wire transfer (my bank charges $30.00 per transfer). A computer answers my calls. I don't know what to do. I will be looking for legal advice.

I received a bill for $603. I made a payment for $600. They never applied it to my credit limit. They are trying to make me go over my limit because they keep charging me fees. I have contacted them online, and they never responded to me.

First Premier Bank credit card is a rip off. I called to pay my bill on the day it was due over the phone and they charged me $11.00 to expedite it. Had I waited until the next day to pay for it, I would have been charged a $25.00 late fee or more. I also enrolled online to manage my account better, at least that's what I thought, and I got charged $3.00 and some change. Why should I have to pay for my own account to look at online?

I paid my balance with Premier Bank but they still have not given me back my credit and said that I am over my limit. I have no clue on what to do and the company won't help.

I got this "secured" credit card a few years back. I thought it was a little expensive, but oh well, I lost the card back in January 2011.

I have been trying to get one since. With no card, I am locked out of their online site. I got a statement in July (I have not had the card all year) and my finance charge for the year to date has been $175.00.

I called them and told them let's take the money that I put in your bank and pay off this card, then I will pay the balance or you can send me a check. They said no. The 170 was a fee for getting the card (are they for real?).

I am now in the process to pay these blood suckers off as soon as possible.

First Premier is listing an account on my credit report that has been sold to a collection company, which I paid. They have the account listed as charges and not showing that it was sold to another company and was paid. I would like it to be removed from my credit report.

I need some feedback ASAP!

I've never had a credit card. I however just filed for bankruptcy and now this happens!

A $30 charge was made to my checking account via electronic check. When I called my bank, I was given First Premier's phone number. When I called, they said it was a one-time membership fee for "cash flow analysis"--whatever that is.

I had not applied for this or anything else thru this bank. They said I would be reimbursed; however, because this charge went thru the day before my payday, it caused another check I did write to get returned and caused me to incur an overdraft charge.

When I applied for this credit card, they told me that my credit was bad and that they will approve a credit card if I prepaid $200 and so, I did it. After using the credit card, I noticed that my interest was over 30% and I called to cancel but they tried to keep me. They offer me a lower interest and now they ask me to pay them $283 when they only allow me to use the money that I prepaid.

I contacted the BBB and now they want me to pay them only $222. I told them that I wasn't gonna pay any because I use the money I prepaid. Now they say that I used the credit card in May when I cancelled it in March.

I think this people need to get a class action law suit or the laws need to check on them.

I understand via internet, that you have receiver many complaints about this bank's practices. I'd like to add mine to the list.

When I signed up for a cridit card in 2010, I was assured by the person on the phone that, as their solicitation to me stated, there would be no fees of any kind attached to their credit card contract. Yet when I received a statement from them a few weeks later, it showed me owing $150.00. (I had not used the credit card at all. I called customer service and was told that it was an "annual membership fee." I stated that I was told by the previous employee that there were no fees attached to this account. This employee told me that it 'didn't make any difference, that was the annual fee on the account.' I asked why it was 150.00 (when most banks that I knew were doing this, though it was/is a very recent practice, were charging 40-60 dollars annual fee. The person told me that it was 'because I'd recently had a bankruptcy' (true).

It still, to me was wrong, to charge ANYTHING, when I was told that there was no fees on the account. Also, they've just jumped my APR from 19% to 36% (no reason given, and I understand by law, that they can do this. (I have been paying that membership fee, every month, on time) I understand that they are also charging usurious rates, up to 76% on $300 max. accounts to others

i got be hind on my bills and was not able to paid them off so this company has been a trouble about trying to get money out of me after there working hours and any they wood call me after 12;00 p;m at night are later some time just to get money know the banks are close where people cannot paid there bill on time thank you help find out what they are doing about this please .

I have had this card for a little over a year now and it has been a good way to build my credit. But lately, it has been almost impossible to make a payment on the card. I tried the internet, but I stopped doing that because it takes them 2 weeks to process it, which is 2 weeks that I do not have, I tried to call the automated number and then it declines my card.

I called and spoke to a supervisor and she took the payment over the phone and it still declined my card. She called the bank and the bank told her that I had the funds in the bank and did not know why it declined my card. Just now, I called and they lady said that the payment went through fine using the same card.

I signed up for a credit card with First Premier during the separation of my wife to pay for some necessities. Knowing my credit was bad, I wasn't even sure if I would get one. I got the card in March and charged $150 on the card. Realizing this was not a good idea anymore, I decided to cut up the card and not use it anymore and just plan to get the charges paid off as soon as possible. I never received a statement in the mail and started getting phone calls looking for the first payment of $68. I told them I did not receive the statement and requested they resend it.

I also asked how much the interest rate was on this and she told me 35%, so I knew at that moment it was a really bad idea to have the credit card. I never received the statement but got a letter in the mail asking for the $68 minimum due on a debt of $535.12. I called them, talked to Charles and asked how this could be. He told me there was a fee of $175 to use the card. So within a 2-month period my $150 turned into a $535 debt but there is still $200 that I don't know what it is for. I requested a statement again to see what is going on. He said he would send it. My credit limit on this card is only $700.

First Premier Bank stopped sending me statements, cut off my online services, and effectively made it impossible to pay on for accounts!

For 2 years, I have tried to contact this credit card company to get a statement, get online services back, or the name of a collection company to clear this debt. All this while, the amount of the debt is rising, and they report every month to the credit bureaus that the debt has been charged off. That should only be done one time, as it cannot be charged off multiple times.

The latest strategy they use is to keep switching collection agencies, so I can't even pay a collection agency! I have worked very hard to clear up 3 messes in my life, and this is one of the companies that uses underhanded business practices. Due to this mess and the way they report to all 3 bureaus, I cannot get my credit scores over 600! That means I am forced to sleep on a couch, live out of a suitcase, and I am unable to get a $20,000 mortgage! It has cost me $900.00 to hire a credit counselor to track them down and get answers, but in 3 months, he is also unable to get answers! Trust me, tears don't help!

As I called customer service to inquire about my balance, a representative informed me that my card was behind 2 payments. I told her I had never received the bills. Then, she screamed that I am an idiot, that the bills need to be paid by the 8th of each month and I should know this. I then paid the past due and the phone fee. The rep gave me a confirmation number and said she would waive my late fees. As I was traveling, I tried to use the card and the store clerk said the card was declined. As I called the bank again with my confirmation number, they said that the confirmation number did not exist and they have no record of my call. I went to my bank. Not only were the 2 late payments taken out, so was an additional $300.00.

This is robbery and someone should be arrested. I stopped the $300.00 illegal charge which overdrew my bank account with large fees. This is a nightmare. This Premiere Bank needs to be shut down and a class action lawsuit needs to be initiated immediately. I hope a high powered attorney gets robbed by Premiere Bank so that they will get their day in court and get shut down. As I called the bank and informed the bank I was going to file a lawsuit, they laughed and said go for it.

I just had a horrible experience with them and have all of the letters to/from them to prove that they allow credit card thieves to steal from you. Someone got a hold of my card number and charged over $400 to my account, and I disputed it the first time and they rejected the dispute because my home address was used to make the charge and told me to contact the company that posted it (World of Warcraft). I did that and spent hours on the phone and they refused to talk to me because they do not have the card number in their file or my name, and sent me back to premier.

I disputed it yet again with that information and they rejected the dispute yet again and made me pay the $400. Whatever you do, don't use them! Cut it up and send it back to them. They allow people to steal from you. Or they, themselves, are doing the stealing with false charges. One of the reps I talked to was exceedingly rude. I can no longer access my accounts to find out when the payments are due or if they have even received the payment. I know I paid a fee to be able to access my accounts online.

I have been paying on payment protection for almost a year with this credit card company. I filed for benefits because my income has been nothing for three months due to the weather. I was told that benefits were denied because I am self-employed. Why have payment protection when it does not cover instances like this? No income and no work is just that. That is simple and basic English and Math.

What happened to the new credit laws? Why is this not covered? I called to activate this benefit, forwarded my last paycheck from my employer, only to be denied. How does this payment protection work if it does not cover being "out of work"? It is bad enough that First Premier "charges" such high interest but to charge consumers fees and simply not cover the "basics" such as unemployment due to "whatever" is a "rip off."

I called First Premier to ask why a card that I have is not working. They stated that I was over the limit on another card I have. That's probably true; every month, I pay the card, never miss any payments, never late on any payment and usually pay double of what the minimum is. While talking to the individual instead of listening to me, what they did was to put me on hold. I could audibly hear the phone click. It's a horrible customer service to put a consumer on hold without acknowledging what you are doing.

In essence, they are being condescending and patronizing. When I asked the initial customer service representative and the person that stated that they were a supervisor, they both did the same thing which is place me on hold without telling me while I talked with them. This also tells me that this type of cavalier attitude is pretty rampant and not paying attention to a consumer with an issue is the norm.

I received a new credit card from First Premier in late November with an upfront pre-charged $175 annual fee. The offer said that you didn't have to accept the card unless you charge something on it or make a payment. I decided to check out their website to read about the deal. The website said that a one time payment of $3.95 was required to access it. I agreed to the fee (expecting payment options) but instead it was immediately charged to the credit card. Thereby entrapping me to keep the card! The first payment was due so I felt like I had no choice but to send a payment. I have not charged anything else on the card and don't intend to. I feel obligated to pay off the $175 fee or get a bad mark on my credit. I feel it was very deceptive and the neatest trick I have ever seen to entrap someone.

I had my bank set up to make electronic payments every month, which it had being doing for the past 10-plus years. When the bank was sold to Wells Fargo, part of my payments was blocked. No reason given. So I sent the payments back through. Same thing. I had explained to each company what had happened. All but First Premier worked with me to try to get this figured out and payments flowing again.

As soon as the second payment was returned, they closed both accounts, one of which wasn't even due yet. One of the reps I talked to was exceedingly rude. I can no longer access my accounts to find out when the payments are due or if they have even received the payment. I know I paid a fee to be able to access my accounts online.

And the fact that one of my accounts was actually up to datewell, I was beyond upset. The fact that they closed both accounts and then denied me access to a service I paid for proves to me that they should be used only as a last resort. I wouldn't even recommend First Premier to my worst enemy! This will cause a negative impact on my credit report.

I want to thank each and everyone that wrote in with your complaints. It helped save me some pain and suffering to me, any my pocket book. Remember don't get a credit card that has high fees, why pay them to use their card.

Charged way more than agreed upon in fees. They are in cahoots with the Better Business Bureau because they BBB refused to help and with the numerous online complaints regarding First Premier, I find it hard to believe they could maintain an A+ record unless they bought it. Just not a good company to deal with, they lie and the card is not worth it.

I did not use a First Premier Bank card and I certainly did not agree to their contract. I expressed interest, at one point when a representative from their company contacted me but I didn't elect to go with their credit card as it seemed fishy, yet a card showed up in the mail anyway. I did not use it and contacted them right away, after searching forever for a phone number, to fix the situation and cancel the card.

It was pointless as the representative at First Premier actually tried to intimidate me into discontinuing the phone call arguing I charged 50 dollars upon accepting their offer which had now magically turned into $460. He threatened that if I didn't pay the ridiculous fees, $460 on a card I didn't use, that he would personally make sure it got reported to all three credit agencies, because that's professional. First Premier committed fraud against my social security number by opening a credit card that I did not elect to accept in my name.

Don't deal with these people. You can't understand their Dakota accent on the phone to make any sense to them. They reported it to all 3 credit reporting agencies as a charged off credit limit of $460. I never accepted the card in the first place but the max limit was $50 which I supposedly had to pay them upon accepting the card.

I made a purchases on the phone and returned it and it was charged back to my Mastercard not my debit so there was only a purchase order which on it says it was with my Visa debit and they are saying that it doesn't say that I also have the return receipt that they say they can't use so there is nothing they can do.

I applied for a credit card. I am still waiting to get this card in the mail. I paid 95 dollars processing fee to get the card. They say the card comes in 7 days after you pay the processing fee. When I did not get my card, I called the company. The rep claimed the card had to be made, then shipped out and that I should get it in 3 to 4 days. The 4th day came and went. The card did not come. I called the company again and asked for a supervisor. The rep refused to let me talk to a supervisor. I asked again and again the rep refused. I asked where my card was and explained to her what the late rep had told me. She claimed the card would come anywhere from 7 to 10 days. Something do not seem right about this company, so I decided to go online to see if they had any complains, and I found this site.

I first got this card with the APR at 9.5%. I pay more than the amount due. In fact, they have a balance due me of $67.00. I had no late pays, etc. The APR went to over 20%. When I called, I was told that "this is a fee based card." I get charged for any way I pay except by snail mail. This is an unfair practice and should be banned.

After teaching for 30 years in Special Education, I am now on Temporary Disability and the prognosis does not look good. Triple fusion, I can not feel my left leg or right arm. I am going through financial ruins; I had to file bankruptcy 4 years ago. I am 60. I never knew I'd end up like this! But my son had cancer. My grandchild died at 5 (cancer) and I am unable to work. They are scam artists that take advantage of those in need when we live in tough times.

My husband and I are purchasing a home, but we had to build up our credit. We did not know that First Premier will be rule and disrespectful. We only have been late 3 times, but they call our house all times of the night saying "just give us our money, maybe we would think about not calling". I told them, "listen, the payment is in the mail. Do you want me to give you the number of the money order? Sometimes, we used our debit card to make a payment, but they are the most dishonest people I have ever seen. Do not get me wrong, it's a great card to have and the rate on the card is very high (20.15%, it's crazy).

I just want them to stop the phone calls every night. One called on 7pm telling me to send in a payment. I told her the payment was due on the 24th of September. They said, "well, we are going to keep on calling". Please help us. When we pay them off, we are cutting up those cards. Please help.

I applied for the card with the intent of re-establishing my credit; the company appears to be a scam. They prey on persons with limited options. I make close to six figures documented. But because I didn't have any credit cards (and had some slow pays 5 years ago), my credit would never exceed $615. So, I secured the "non-secured" card with all of the miscellaneous fees, to the point where you begin to pay interests in your own money.

Anyway, I made sure that my balance was paid in full before leaving for Army Basic Training, which is active duty status. And I incurred a monthly processing fee in that 10 week period that eventually was reflected as a 30-day late blemish on my credit report. Even after forwarding them a copy of my orders, they refused to reverse the negative credit reporting. The person I spoke with the first time said that they would take care of it. But today they said that it is my responsibility, and that I should have canceled the card if I were not able to make the monthly processing fee, even if I get shipped without notice. Currently, I have not been able to refinance my home, secure documented loan under 20% interest, etc. due to the negative reporting by First Premier Bank.

I received a total of 3 emails indicating that after submitting $45, a credit card would be provided. While I contributed $45, I just received a card and a congratulations letter indicating that there is an another "initial" $75, which has already been billed to card! $75 amount was never disclosed until recently. It is surprising to understand that such a dubious organization can be a component of banking system. Shady entity.

I have been paying over the amount expected. I could not understand why I was not getting anywhere. Their fees are outrageous! I am currently on unemployment and I wind up getting a late fee. Their fees are more than the actual balance. It should be a crime to take advantage of people. There should be a class action suit filed against them!

I paid on this premier credit card ever month. I never had a late payment. In July, I made my payment as scheduled and then I set up an auto payment through Wells Fargo bank. Wells Fargo immediately made a second payment to Premier Bank. I had Wells Fargo cancel the 2nd payment and refund my money on that payment only. Premier Bank cancelled the card because I would not make 2 payments to them. Now they say they have notified the credit bureaus that I owe them money. The fact is that I never made a charge on this card. The invoice or bill I received on August 9, 2010 says there's no past due balance for a payment in July 2010. How do we stop these thieves from doing this? This caused negative on credit report.

I obtained two credit cards with First Premier Bank. Last February, I called to ask them to please make both of my cards' due date on the 12th of each month. They assured me this would be done. Then every month since then, I have been charged with past due charges on these cards. And I have proofs that I make my monthly minimum payments via my online Bill Pay with my credit union and I always make the payments three days prior to the due date. My credit union has assured me that these payments are fully transferred to these accounts in that amount of time. I have tried to set up online accounts with First Premier several times with no luck. I keep getting error messages that I am not giving the correct card numbers or what have you.

I am calling them again today to ask what is going on. But, I'm sure it will do me no good. As it did last time, I called two months ago. I do believe this company is committing crimes against their account holders and it needs to be looked into. I am being charged extremely high interest charges and penalties against my credit card and my balances are going up instead of down. I have spent nothing on these cards since last December and have made my monthly minimum payments on time each month. Yet, I continually am being charged fees. This is costing me dearly. I am a disabled widow and cannot afford this kind of fraud to be done against me. Thank you.

I recently acquired the FPB Mastercard in hopes of restoring my credit. I made a few purchases, then I get harassing calls: "You're over the limit, we want payment now." So I made my payment.

I used my card to place a deposit on my condo in Florida, which I intended to use for vacation. The oil spill upset our plans, so I had to cancel. The resort gladly returned my money, but they put $50 too much to my account. I had used my credit card for 200 and my debit for 100. Now FPB has suspended my account. They reopened my account so the resort can fix it as FPB suggested and they are just unwilling to work things out. These people are trying to tell me this is a scam, fraudulent activity, and suspicious. Now I can't reserve any where else because of this setback.

Not only are they holding what is mine, they also have ruined my son's vacation. I can't reserve without my credit card. So now we are stuck at home. I'm not worried about my vacation. Now I have to tell my son a trip he has been planning since spring has been stolen from him.

So I had owed about 250.00 dollars and my credit limit was 300.00. I called First Priemier and spoke with a rep and we had agreed to 20.00 a week to be deducted from my account and that would bring down the amount owed. So one day, I go to check the card to make sure I was down to about 90.00 bucks, and it say I was over the limit. So I called and spoke with a rep and she stated that there was a 12.00 fee for every 20.00 dollars made and I was charge a late fee not even making the minimum payment. I was told that I need to call and make a letter and dispute the matter and I did and they did not get back to me or even call. It is on my credit and now I need to pay off so I can get a loan for a mortgage.

This is concerning my First Premier Credit Card. I have had this credit card since October of last year. I was somewhat concerned about the initial fees, but I realized I needed a card to boost my credit rating. The APR isn't bad at all if you can get over the shock of the fees. I did, at one point, call customer care because I wanted to see what they could do about the monthly fee they were charging me. The gentleman told me that the fee was there to ensure that my payment each month was reported to all three credit bureaus (Equifax, Experian and TransUnion).

It does seem a little ridiculous to pay the fee, but if you have no credit and you are trying to build your credit, having this card helps. My credit score has gone up almost 40 points just by having this card. That is a dramatic improvement from what it was. This card is not intended for long-term use, in my opinion. It is a means to an end. Eventually, having a credit card with no annual or monthly fees is the way to go. It's a patient process, but eventually, your credit will build or repair itself. It helps to keep your payments on time.

We have had a First Premier credit card for a little over a year. Our payments have been timely and almost always in the full amount. Recently we went on holiday to SC and presented this CC at the front desk for incidentals (usually -0- for us) as is customary practice. Wrong choice!

Although there was a ZERO balance on the card when presented, and no actual charges made at the hotel, First Premier froze our card from use for 10 days. We had no knowledge of this, but called the company after the second time we were unable to use the CC. A phone call to First Premier clarified their process. We were informed that although we had checked out of the hotel without charges to the CC five days prior. First Premier had put a hold /blocked use of the CC for for up to 10 days unless we called the hotel and requested them to call First Premier.

FP now cut off BOTH cards because of the annual fee one one. All of our cash went into paying off the other - they refused to grant a 2 day temporary line increase for $52 after 5 years of consistent on time, never missed a payment. Stranded by the side of the road 500 miles away from home in 100+ heat on the way to a funeral, dependent on a payment that has already been made to post, with a diabetic husband and disabled wife, with no extra food or drink for 3 days, missing my father in laws funeral

Even though I paid both cards in full, they decided to close both accounts after they told me that I would have access to funds within three days. They said it was because of my error in transposing two numbers, even though it had been corrected. I paid over $800 to pay the cards off, now I cannot use the cards for this month making me unable to properly operate my business.

I cancelled my First Premier account ages and ages ago. I first got their card after some business reversals, long since repaired. Still, when I asked for a better interest rate and a raised limit, the answer was always no. Imagine my surprise when they sent me a pre-approval for a Platinum First Premier card with an annual fee of only $175 and the wonderful annual percentage rate of only 23.9%. Wow. I hurried to go online and get my pre-approval validated. Not!

I have suffered no damage from them this time because I choose not to do business with them. I own my home free and clear, have virtually no other consumer debt and they had the nerve, after I applied myself diligently to get out from under the marauding of companies like them, to bother me. To put it mildly, as far as I'm concerned, they can all go belly up asap and I wouldn't mind a bit. If there is anything I can do to assist them in having an enormous business failure, leaving the criminals who run them without a shirt, believe me, I would do it. Meanwhile, it's a shame they waste trees on Post Office time on this drivel. No, this obscenity. About time Congress got some courage and went after them. Oh, I forgot, these criminals own Congress. Silly me.

Something has to happen to this credit card company. Everyone who has ever used it should get their money back. I wanted to boost my credit up so I figured I would get it for a year or so and be done. Well I have only used it once a month for my XM radio, of like $12.00 and make my payments of not the minimum of $25.00 but of $50.00 and the amount still stays the same. It was close to $300.00. Every month there is a new fee and it is too crazy. This should be illegal. Why hasn't this bank been shut down?

I can't believe that we allow this to happen. There are no consequences for them, it makes me ill to my stomach. This card has continued to corrupt my credit, making minimum payments are not making a difference but in turn costs me more and more every month. If I cancel without having the amount due, then they add more fees. Talk about being stuck.

I just found out that my credit card from First Premier Bank doubled my interest rate from 9.90% to 20.15%. What are these people thinking?! I don't understand why they did this. I have excellent credit with them. All i know is that next month, I am going to pay my balance off and cancel the card. People are having a hard enough time as it is without the banks ripping everyone off! Credit unions are far better! I can't afford 20% interest. I was in the process of rebuilding my credit. Now that's not going to happen!

How are we supposed to know all this information about one of your telemarketers. This guy was obnoxious. He asked for Robert. I know Robert has no use for a credit card. I know that. He said he'll just keep calling until he gets him to tell him that. Then, I got Robert on the phone, who said, "No, thanks." However, good old Kent wouldn't let him off. That was pretty obnoxious. It gives the company a really bad name.

I was called on the phone with an offer to receive a First Premier Band credit card. The deal that I made was for 9.99% interest. I have made all payments on time and I used the card once a month in good faith to rebuild my credit. When I looked at my latest payment statement in March 2010, this company had doubled my interest rate to 20%. I always thought that a doubling of interest was due to poor performance on the part of the card holder. I have been acquainted with a new law called universal default clause.

As far as I can tell, this credit card is useless. My limit is $250 with 20.15% APR. I feel that they hired this person to solicit me to sign up and I even signed up for the stupid credit protection plan. They knew that the law was going to go into effect in January 2010 so they got as many suckers to sign up as they could in order to fleece me and other Americans. I feel like I've been molested.

I am writing to you regarding my credit card account. In December 2009, I contacted First Premier Bank explaining that I no longer wish to hold a credit card with their company. I had a balance of $258.07 and made a payment of $125.00 at that time. I spoke with a representative at their 1-800-987-5521 number and set up payments for three months at $30.00 a month until the balance was paid in full.

As I have been informed by several of their representatives through my numerous telephone calls, by no fault of mine, but a typographical error on the company's part, the number for my checking account (which I had used many times to pay my bill) was missing. A number or one was put in which my bank did not recognize as belonging to me or my wife and refused the payment.

In January 2010, after checking our online banking, we noticed that no payment had come out in the account of $30.00 as we had previously set up. On January 29, we called the company again and was informed at that time that due to a computer error, that the account was not paid, but that it was an error on their part--the number used was missing a digit (eight instead of nine numbers). Once again, we set up three months of payments (as that is all the company can do at one time) and on February 11, a payment in the amount of $30.00 came out of our account.

Apparently, the February 5 payment that was originally scheduled in December to come out of our account had inadvertently put in the wrong account number once again. And as I was told by one of their representatives on February 11, 2010, that due to the "automatic system" they have set up, it canceled the remaining payments we had set up after we discovered that no payment had been taken out of our account. The computer did not see or could not recognize that we had called and reset the payment because we saw that the initial payments had not come out of our account!

So once again, we set up three scheduled payments, now being given three separate "out" confirmation numbers and three separate "in" confirmation numbers! This, too, did absolutely nothing to correct the problem and they continued to add charges to our account which we had closed in December! On March 13th, 2010, we received a statement in the mail. And once again, we called the company trying to figure out what was going on with our account!

And by the way, our balance went from $258.07--a $30.00 payment had been processed and now, our account balance showed $461.35! I called the company immediately and was told the same thing. I have now been told a dozen times that it was a computer error, that the computer automatically used the erroneous bank account number and thus cancelled the scheduled payments we had set up, not once, but three separate time!

I just received my mail and I was seriously surprised when I opened a settlement statement from First Premier Bank dated March 10, 2010, offering me a settlement for more than my original debt! Once again, I phoned the company and spoke with a representative. He looked over the account and could not explain what had gone wrong but did explain that the reason our account has more than doubled was due to the fact that they have been charging me "over the limit fees" and "bank overdraft fees." And that they have been reporting me to the credit reporting agencies 30 and 60 days late for months now. They apologized but said that there was nothing they could do. There was no letter that they could provide me stating that it was their error--nothing in writing!

What am I to do? None of this has been in any way my fault. I have not only been the one contacting them for more than four months, but have also been the one dealing with these automatic system errors and been charged erroneously for them! I will not sit back and continue to allow this company to show that I have not only been paying on my account, but have gone above and beyond what should be necessary to fix their errors!

I would be happy to pay the account in full if they could come up with an accurate figure without penalties and showing the payments that they did process and never hear from them again. But I will not do so until I get a letter in writing from First Premier Bank that shows they have reported to the credit agencies erroneously that I am in default and have not paid my payments due on time when I actually scheduled them three months ahead of time!

I look forward to hearing back from you with regard to this matter. I have sent in the required dispute forms to their company and faxed letters to several numbers given to me by various representatives. I have received two emails from them--none of which has been at all helpful. I have kept a paper trail and can prove to all that I have written in this statement.

After reading the numerous postings regarding First Premier Bank and their unwillingness to work with customers, I decided to call (I have 2 accounts with them). They raised both of my cards from 5.9/9.9 to 20.15%. On top of paying fees every month, the added interest did not set well with me. My first bit of advice will come in handy. (#1) When you call to complain about your interest rate and they tell you there is nothing they can do about it, don't stop there.

Tell them you want to close your account and they will transfer you. (#2) When you reach the second rep., tell them that after paying all of their fees and annual fees (please don't try this if you have been late a lot or missed payments). You don't feel the increase was justified and you wish to close your account. I had both of my cards lowered back to the original interest rate and decided to keep them. Don't give up the first time you call. Call back and get someone else but be nice, it will get you a lot further.

I had got a few of these pirate credit cards years ago. I was making payments and was just getting nowhere with these cards. Now, they are all in collections charged all these fees and interest went up. They lied. I was supposed to have a $500 limit. Lies. They slammed me with a $250 for using it once. It stays on my credit report due to them keep passing it to different collection agencies. It went from $125 to $1,000. I just can not pay. I tried so hard.

When I received my April bill, I noticed that my APR went from 9.20% to 20.15%. I was told that this was done in order for them to comply with the new credit card mandate, and to protect their bank. I told her that this is not what the new credit card act was about and they are using this as a way to jack up the APR's even though you pay your bill on time. Also, I had a late payment warning on my bill stating that if they did not receive my minimum payment by the due date, I may have to pay a $29 late fee if my balance is $500 or less or a $35 late fee if my balance is $500 or greater and also on my bill was a minimum payment warning.

If I only make the minimum payment each period, I will pay more in interest and it will take me longer to pay off my balance and then gave me an example. She replied to me that the late payment warning must have been because I had another bill in my house that was late. My advice to anyone wanting a Premier card is to run far as you can from this company and don't look back they are a rip off especially if you pay your bill on time.

My wife got the [First Premiere Bank] credit card, because she's from other country and wanted to build her credit. It was awful. On her first statement, she had to pay almost $219 only per fees! She had this card for almost 5 months and only made 3 purchases because every month is some kind of fee. She cancels her account and they offered a new credit card! Never again!

I noticed an account number on my credit report that wasn't mine. I told First Premier to remove the unidentified account number. Instead they placed my actively used card that was valid as Lost/Stolen. So now, I can't use my card and I have to wait 3 days for a replacement card. I used this card to restore my credit history. And now, because of this, all my good credit history is stopped based on this card. My credit report is being affected based on falsely reported information, ie, unidentified account number.

I am writing a phone harassment complaint. This company continuously calls me. If my bill is due on the 17th of the month and they have not received payment, they start calling every other day, 2 or 3 times a day. The reason I am complaining is because I am not in arrears. I make my payment every month. The minimum payment is $20.00 and I pay a minimum of $100.00. I made a payments on both cards 2 weeks ago of $200.00 and they are calling me because one card is over the limit due to a membership fee. My bill is not due until next week. In the last two weeks, over 20 representatives have called me for a payment. They call me when I am working and at school. They should not be calling me at all because my account is current. The phone calls are driving me crazy.

So I got a credit card so I could use it for gas everyday driving 45 min to and from work but I soon after cancelled my card because every time I spoke to anyone concerning my account they were very, very rude. Now I get calls probably 20 times a day, not even kidding, and every time someone is yelling at me. It makes me so mad that I don't even want to call and make a payment. They even called my work before and were on my case about paying when I'm working! They said they needed a payment then and they didn't care I was at work. I will never use First premier bank card or even the bank for anything again and I will let other people know how bad of an experience I had willed them. Their staff is very rude and you don't need to use them for any reason at all!

All First premier customers need to close their accounts with this company. We are making them super rich off our hard earn money. They will try to get you to keep your account open, by offering a 30 dollar credit or lowering your APR back to 9.9%. As long as you close it in good standing, it won't hurt your credit, but may lower your score. I have closed and paid off 3 accounts with them, 1 left to pay but closed. It's a big relief for me and my wife. It cost me an hour or two of my time to do this closing of the accounts, also $22 in fees that were not necessary.

This company preys on people with not so good credit and what's more is these people are aware of it and are desperately trying to clean it up. There are so many fees charged initially--it is insane. Also, once you pay off your entire balance, don't think you are home free because every month, there is going to be a charge for some fee. It is ridiculous. I think all of the people who complained on this website needs to file a complaint with the FTC. I think that is the only real way something will get done. It wasn't until there was a surge in complaints regarding identity theft that something got done and this situation is no different. There is power in numbers and once more and more people complain to the FTC, in addition to this website, then someone somewhere will have to take notice.

I noticed that my APR went from 9.9% to 20.15% so I called in to find out why. I was then transferred to another department. I asked why my APR went up and it was explained to me that due to new legislation imposed by the govt. the new terms are effective 2/28/10 unless I choose to opt out. I requested a copy of the letter that has the new terms and conditions as she stated that I have until 3/19/10 to accept the new terms. She gave me an overview of the biggest changes and then told me that I have to accept the new terms or she would cancel my account.

I asked her not to make any changes to my account until I have a chance to read the changes to the terms and conditions. She said "No, I have to put that you accept the new terms and conditions or I will cancel your account". She was yelling at me and arguing with me that I had no choice but to accept the terms that I have not had a chance to read yet or she was cancelling my account. When I asked for a manager, she said no multiple times. I told her not to make any changes to my account, just to send me the letter that I did not previously receive and to put me on with a manager.

She finally put me on with a manager who told me that the previous rep has to either change my account accepting the new terms or cancel my account because that is her job. When I told her that all I wanted was a copy of the letter outlining the new changes, she told me that I must have asked to be transferred to that department where they enter the acceptance or opt out of these terms. I told her that I did not request her department I was transferred to her because I asked the first rep why my APR had gone up. She then proceeded to tell me that if I did not accept the terms that my account would be cancelled. I have been a customer for 7 years and have never missed a payment or been late or over the limit, nor have I ever felt so mistreated.

I was offered a credit card from First Premier Bank to rebuild my credit. Yes, I knew about all the fees and was okay with that as many accounts do have processing fees, annual fees, etc. I made my payments on time, but the first month, February 2010, they assessed me a late fee on 02/25/10 and my payment arrived on 02/26/10. They called my house but their telephone number is blocked and the number they provided goes nowhere, so I couldn't call them to discuss what had happened.

Then, I received a notice from my ID protection agency that First Premier Bank had listed me as delinquent on the Experian Credit Report. Don't they have to wait 30 days before posting a delinquency? Today is only 03/01/2010. They haven't even given me a business week to respond or rectify the situation. Reporting me to the credit bureaus seems to be contrary to what their supposed purpose of helping people rebuild their credit.

Just got my March statement to find out they upped my APR from 9.9% to 20.15% with no prior notice. I called them back in Sept to ask what if any changes they would be making (because my other card went from 9.9 to 14.9). The young man Justin told me they were not going to be making any changes.

I called today and asked if this is common practice to up someone's APR when I have always made my payments on or before due date and more than the minimum payment. Samantha told me that they did this to all cardholders but they could file a form with the finance dept requesting they reconsider the finance rate but Congress made them do it. I said Congress didn't tell them they had to go up that high only that they have a cap on how high that they could go. I have had this card for 4 years and told her this isn't the way business is suppose to be done with a good customer! (God forbid they lower someone's APR for doing paying on time etc).

I told them that it's not the way they would be doing business with me. After I talk with an attorney, I will be closing my account. This type of business is what's wrong with our economy. As a small business owner that extends credit to my clientele, I speak with some understanding of how to do good business with people. I am just a small business owner that congress is trying to help me in one more way to close the doors and put just a few more people out of work in a small 6 red light town.

The fees to this credit card are outrageous. Since I have had this card, I have only made three purchases. I have paid the $25 minimal balance with no change in my balance, so basically have paid at least $150 towards the account but still have the same balance. This month they changed the billing date so I missed it by one day and now I am being charged over limit and late charges (I've always paid on time). So now, not only have I paid all this money, but am now over the limit and considered late without even using it since for the last six months! I'm broke. My husband is out of work. I needed the credit card to help when I was on maternity leave but now I just want to get rid of it but obviously that won't be easy.

I paid my bill online a service that has a $7 fee on 2/13/2010 four days prior to when the bill was due. Although it stated what day the payment was accepted, it was not posted until 2/18/2010 after the bill was due, causing me to be charged a late and over limit fee. When I tired to reach someone on the phone the number was no longer accessible; instead I was sent a text message which would require me to accept a data charge of $9.99/month for further information in order to get in contact with someone. On at least three occasions I have been charged late, over limit and other fees because of late payment which were a result of the company's fault and still have not been resolved. This has caused me advise effects to the building and repair of my credit.

I had an account with First Premier Bank for 6 months. I paid my bill on time, the whole balance not the minimum of $25 plus all fees. The credit card reported to the credit agencies as good credit. So I had no problems with all the fees. Until I went to use my card at the dentist and was denied. I had $150 available credit. My card was suspended because I paid my bill with two separate debit accounts. The accounts had to be verified. I did not receive notice of this until 2 days later. It took 3 weeks for this to not be resolved. I cancelled my card. I felt like I had been served an injustice as a consumer who pays bills on time. Now I have no credit card for emergency situations. I owe them all of $49. I feel let down as a customer.

I was recently approved for a Visa Card by the above bank. When I first read the agreements, I must have misread some of the fees. I called Customer Service and the lady I spoke with explained the fees. There was a processing fee, annual fee and also an express card delivery. Now, I have received my statement and I'm being charged for internet fees and a monthly service fee. I think all of these charges are exorbitant. I am closing this account. I think someone needs to look at this bank. I feel that they are unfair to their consumers. I don't know what can be done to help, if anything, I just felt this needed to be filed as a complaint as I'm sure I am not the only consumer having this problem with this bank. Thank you for any help you can assist me with.

First Premier Bank is a rip off. When I applied for the card, it was for the purpose of rebuilding my credit. They sent the card but I did not know that the fees were so much. When I used the card, the limit was reached and I only used it for a small $20 purchase. I tried to pay the balance online and was told that there was a fee to pay it online or by phone. So I said that I would mail the payment.

As soon as I said that, they reported it to some collection agency. The agency called me and said that my bill was now $664.87. I hit the ceiling and asked the agency how was that. He said that was late for three months. Late fees have been accrued. He said that I owed processing fees to his agency for First Premier using them to collect. He said I owed them a fees for collection. Later, I talked to someone at First Premier and they told me that I only owe $347. I am so tired of them calling me at work. I told them to never call me at work again. They somehow got my cell number and blow it up. So now I ignored all their calls. They just sent me a bill for $347. I sent them a $50 payment and will continue to do so until they are paid off. If anyone knows of any lawsuits against them, let me know. I will definitely include myself in on it.

I have had a couple of cards. One has been cancelled for a couple of years. I had been making payments faithfully. I got behind a couple of months with financial problems. I wanted to get it paid for, now I owe almost twice what my credit limit was. The other one I want to cancel but it still has not happened. The finance charges, late fees and so-called annual fees have made this one even higher. I refuse to make another payment to them. I figure I have paid more than I ever dreamed of charging to their card. They keep harassing me at work even though they have been told on numerous occasions not to call this number. They get personal and demand to know what family matters dictate why I can't pay my card down or even in full. I so do not want anything else to do with this company. My credit is shot anyway and these people have no compassion nor business sense when it comes to dealing with their customers.

Well, we pay our bill in full every month and as so many others, are trying to reestablish credit for my husband. Well, first the card is in his name so he has talked to them twice to say that I am an authorized person to talk to about this account and they show no record of this. So then the bill was due on the 12th of the month, paid it on the 6th of the month. They did not take the money until the 10th of the month as showing on our bank statement and now here it is the 13th, they have the money, did not post to his account and now want to charge us over the limit fees. This credit card company is a scam no doubt so we closed the account.

Other people have complained about the fees. They are outrageous. I was given a $300 credit line, and charged $179 in fees, although not all at once was due. I bit the bullet, then enrolled for online account access. It costs $7 to pay your bill online. I paid the entire amount due, including all the fees (even the $7), just to clear the boards and have my full $300 available. After the payment posted, I noticed my available credit was $1. After further review, I find that they hold payments up to 20 days, before they get into available! Tell me where in the USA it takes 20 days for an electronic transaction to clear! That was the last straw. I can't believe I was stupid enough to get their card in the first place. Just getting old, I guess.

I sent them a customer inquiry asking to close the account. It will take 3 to 5 days to get a reply. I bet the reply is a) there is a fee to close the account b) I have to call and speak to one of their rude ** c) all of the above.

I signed up for a credit card after I received a letter in the mail that I had been pre-approved. I received my credit card today and opened it up. I was really disappointed because the credit limit was only $375. Then I looked below the credit limit and it said that $179 of introductory fees had been applied to my card and I owed $25 for my first payment. All of this without even using the card for the first time! Oh, and the card was already activated without me calling in to verify that I had received it. Anyone could open up that mail, take the card and use it as much as they want.

I called their 800 customer service number and spoke with a customer service rep that continued to tell me that I agreed to the terms and conditions when I applied for the card originally. When I told him that I was never given any documentation in the mail or was told anything by a First Premier rep when I signed up for the card, he told me that I was mistaken. He continued to argue with me. Eventually, he agreed that he would send me the terms and conditions until I asked to have the fees waived. At this point, he said he would not do that. I said that what they were doing is illegal, and he again argued with me over that point.

Finally, I was able to speak with another department and a guy named Mark. I explained everything to him and he told me that he would waive the fees and cancel my card. Stay away from this scam. It is completely illegal and should be prosecuted severly! It is illegal to charge introductory fees to a customer without informing them beforehand.

I received a card and the fees are way over. How do you become for a credit card and the issuing company spends most of it and you have to pay it. Wow. Don't do it. I have no clue how to get out of this mess now.

On February 1st 2010, I sent in a payment of $50.00 to First Premier Bank, the amount owed was $25.00. On the next billing, I saw a $7.06 past due amount and a $29.00 late fee!

The checks I'd sent out with this check have all cleared! This is not the first time this has happened. They also charge a $7.00 monthly maintenance fee in addition to a $1.14 Credit Protection fee and a bunch more fees! In essence, out of a supposed $200.00 limit, which I have never had access to, I am literally paying the fees just to carry this card around because I barely ever use it! I intended to rebuild my credit with a major, unsecured credit card but First Premier is eating my money like a rapid hound let loose from hell itself!

Anyone who is having this problem should definitely report it to the Attorney General in your state. Google Attorney General and add your state and let's shut these clowns down! I paid through the nose until I was so broke that I could barely afford to buy anything the regular way with cash!

I applied for a credit card and was approved. When I reviewed my card with a $250.00 credit limit, $179.00 had already been charged as various fees, leaving me with available credit of $71.00. After reading the entire contract and disclosure statement several times, I found out that I can return the card within 30 to cancel the account. Nowhere in any of the paperwork does it give you an address to send the card to cancel the account. With all of the fees that are already charged on the card when I received it before I even make a purchase, I will be over my limit!

I made a payment through my bank's online Billpay system and the payment didn't reach 1st Premier. I talked with my bank who said they would contact 1st Premier. When I inquired 5 days later as to a status, my bank told me that 1st Premier 'refused' to speak with them about this issue. Consequently, I'm being harassed with daily phone calls claiming I need to set up a payment plan. No one is willing to help find out where that payment went and I've been charged with late fees. To me if no one wants to help find that payment, then 1st Premier has 'stolen' money from me and either credited it to the wrong account or put it into someone else's pocket. I'm going to close them out and hopefully this will help with evidence against them as a Bank that is unethical, ruthless and inconsiderate of the consumer.

I went online to see if I even qualified for a credit card, which I did, but then found out there are fees after it was too late to go back. Then I could not get a hold of anyone to cancel my card. The fees are outrageous. There is more like charging you $3.99 to access your account online plus the initial fee of $179+.00 and a $7.00 monthly fee, which is not disclosed when applying. This card is a scam which I got taken for. Yes, I will pay for what I bought but refuse to pay the fees, and so should everybody else.

I received this offer and took the bait. I paid what the bills were coming out to with no questions. Then they hit me with a $179 bill. I was like? Anyhow, I called in. They sugarcoated the mess, trying to keep from messing up my credit even more. I agreed to pay. Unfortunately in the process, I got laid off and lost everything, that meant everything. I was literally homeless! A week before my phone was cut off, I start getting the ugly calls. I explained to the lady that I'm not avoiding my dues, I just lost my job. The money I was approved for, I don't have and in return I owe you all!

She was not trying to hear it. She said, "can you borrow money from someone?". Then they called me again, same lady asking me if I had found a job yet or was I even looking to pay them? I went off on her. I told her as much as I could and hung up my phone. I found a job and called them to try and pay back to avoid from another charge being on my credit. She said, "pay what you owe and you can re-apply and see if you get approved". Needless to say, I didn't pay them because she came up with a totally different account. It was only approved for $250 start up. How I ended up owing ** near $600, but she was willing to settle for $400.

Worst credit card ever. Fees on top of fees on top of fees. I have paid on time and have been up to date on payments. However, I got a "courtesy" call today telling me my account is going to collection. They asked how often I get paid and I declined to give them this information. Because of fees on top of fees, my account is over credit limit. I have been charged more fees than actual items I've charged on card. Now here comes another offer from them stating because I've been a "very good customer" they are offering an additional card. The fees to activate this new card would be approx. $100. I told them I'm not interested. Really bad card. Don't get trapped.

This credit card department is horrible. They charge you all these fees before you get your card. By the time I wanted to use my card, I had $72 left available from all the charges they charge you. So I advise those people who are trying to get the credit scores to a better rate that this is not the card to get nor to start. .

Here is the story. I work at a bank and have had way too many customer complaints about this credit card so I decided to apply for one myself. After reading all the terms and conditions, I was well aware of all the fees and finances charges so I never had an issue with that. However, this company is operating out of compliance under specific circumstances. I've been using this card like a regular credit card to test how they operate payment procedures as well as customer service. My first situation that I came across was when I used the card for a rental car.

After I returned the car, the representative at Enterprise inspected the vehicle and said everything looks good and they will release the security hold. After 3 business days went by and the hold wasn't released, I called Enterprise and they assured that it was. I called First Premier and they have a 15-day waiting period for receipt of purchase on all transactions. This is wrongful practice since there is nothing in writing disclosing this. I asked the supervisor to send me something in the mail showing disclosure about the 15-day proof of purchase and they never sent anything.

The second situation was when I actually had a dispute on my online statement. It was only for $25, but I investigated myself and the item was not my purchase. When I called customer service, they said there is a dispute form in the monthly statement they send in the mail. I said, "Come on now, you expect me to wait a month to receive the dispute form and then however long it will take you to investigate this?" The lady put me on hold and said to fax a letter stating the dispute and they will start processing. I received a letter 10 days later saying it will be under investigation, and if disputed, it would take up to 60 days (horrible customer service practice). Not much you can do about that except pray you never have a dispute.

So here is the deal. This is the worst credit card company in the country. Don't ever argue about fees or finance charges because you will not win. They can and will charge anytime even if it takes them 2 weeks to process a payment. I'm convinced that they are aware that I work for a bank and only applied for their card to catch them operating out of compliance, which I have. However, it is not worth it to pursue anything because, eventually, everything will come back to bite them. Do not use this card to place a security deposit for hotels, car rentals, etc. Make payments by mailing money orders because they have to process immediately since they can track when the money order was purchased and if they hold the payment, they will get caught doing so.

Well, I did apply for a credit card and was very happy to be approved. However, when I received my card, I was shocked at all the fees and costs for having a credit card with them. I was also wondering about the the fees they had already charged me with before I could use the card. They stated the card was already activated and gave me a $250 credit limit with an available limit of $72. Also, they said I needed to make a payment of $25. Yes, I did read that there is a start-up fee of $179 that needed to be paid.

I called a friend for guidance, and he recommended that I hold off on using the card and see if I could apply with another bank that did not charge so much in start-up fees and other monthly charges. So I decided to read the customer's reviews about this bank. I thank all of you for your comments. As I began to read the comments from previous customers, my heart dropped. I knew something was "fishy" about them. Thank you, thank you, and thank you so much. I will call them immediately to cancel my card today. God bless.

I received a Visa credit card from First Premier Bank credit for $250.00 but only $71.00 was on the card. I used the card for Christmas shopping. There was only $71.00 credited to the card. I received a bill for $204.00 but didn't owe that amount because only 71.00 dollar was on the card. They were supposed to give me a credit of $250.00 online. After that, I found out it was only $71.00. They were taking out themselves $179.00. I haven't purchased anything. When I called and talked to customer service they told me to pay $71.00 so it will be zero balance, so I don't have to pay $179.00. Please reply.

First, I hate this company and I wish I never got this card from them. I knew something was wrong but I can't tell because I thought because it was a little amount that I could pay it. These fees were crazy. I'm paying for all fees before I use the card.

So I called customer service and told them I would like to cancel my card. They said sure, to hold on and a specialist would be on the line shortly to help me out. What they mean by specialist is a sweet talking customer service rep who is going to try to talk you into keeping the card. So I went round and round with this guy and he comes with what he thinks will be the clincher. He is willing to give me a $50 credit that would take effect immediately and my available credit would jump to a whopping $121! I then proceeded to tell him that if he gave me a $179 dollar credit, I would consider keeping the card. After which, his whole demeanor changed and he told me to cut the card up and throw it away when I receive it and then hung up on me without a goodbye.

I need a credit card to build up my credit, but I don't need one that bad. If you are going to keep the card, it is worth calling and threatening to close the account to receive the $50 dollar credit. But if you read enough of the reviews, you will see that it just isn't going to be worth it down the road. I will just save up a few dollars and get me a secured credit card and build my credit that way.

They sent me a credit card that came with a $180.00 balance. I paid it and called to cancel. They convinced me not to, that I would have better credit by staying with them. I stayed with them, tried to use the card twice and it came up declined. I called them and they said that I should have $300 on it. But it didn't. I tried to cancel. I have been paying $7 monthly for nothing. I have not used the card once. I called today and it says zero balance, zero credit available. I have basically paid about $200 for a piece of plastic. These people should be put out of business.

They say to help to rebuild your credit or gain credit. Yet, I've received my card with a credit limit of $50 and supposed to be $200. Anyways, never used my card as they mail me my first bill and I've never used my card. This credit card company is a fraud and should be investigated or put out of business.

I got a card with a limit of $50 and two weeks later I got a statement asking for me to pay $25 and I haven't even made any purchases! The card is still in my purse, never been used and I got a bill of $200. They have lost their minds. I am a student in college and I already owe for student loans. I am unemployed with a family and this feels like a blow to my credit. I feel duped.

We returned the cards without opening the account due to the excessive fees for the cards. They continue to hound us for the $199.00 start up.

I got an offer from these folks for a $75 limit credit card, I thought, okay, that will be easy to pay-off. Wrong! After my first bill came, I noticed that the balance was $200! They charged me $125 to use the stupid thing not including all the additional charges. I have used that card one time for $75! As of today, right now, I owe them $168.59 after having paid them $331.12 the last year! ** am I supposed to do? These people are draining me of my hard-earned money! When I called all irate, they told me I didn't have to be rude, **! I do and will be rude! I make $11.00/hr. What are they making off of the poor people of this county! Boo! You suck First Premier Bank! I want my money back! I'll give them their $75 freaking dollars. I have paid them $41 per month total since I got the stupid thing last year. I think my dues are paid and they can **!

I currently have four cards from this company. This truly is a company that needs to be investigated for their preying of people with poor credit scores. My wife has 2 cards and I have 2 cards. The fees are ridiculous and allow you to never really escape their pocket. $7.00 a month maintenance fee on a zero balance account, $50.00 annual fee, and to top it off, their credit limit increase fee has went from $25.00 to $50.00 starting February 22, 2010. And their interest rate was raised to 16.9%. Well, I have finally come to my senses almost, and closed 3 of them. They will try in every way to get you to keep it open, even offering a $30.00 credit. Don't be fooled by their deceptive practices. I only keep one open with them because it has a longer credit history, which will help your score. One good thing is they cannot charge you a $3.00 fee on closed accounts according to the new credit card act.

This is crock! DO NOT DO IT! At first its a credit builder but the more you don't use it. THE WORSE IT GETS! I have a small balance and they don't understand NOT to call my job. It's ridiculous THEY EVEN CALL CHRISTMAS DAY! All they wanted was the $20 payment and thats what they keep calling me for. One week its $80 then three days later the balance turned to $100. They also have ALL your banking information too so be careful if they want the payment they will take it out of your bank account just because you answered the phone.

After I pay in full I will still have to pay $7 each month just so it doesn't show a bad closed account on my credit. The lady was SO rude when she called I explained to her it was just christmas and to give me a little bit of time, I will receive my taxes and pay it in full in Feb. She didn't want to hear that. It must suck to be a debt collector for that company. They probably receive commission on collecting debt.

Just don't even bother with this card it is credit card sucide. If you are trying to build your credit, pay your debt first and go with a credit card from a jewlery place, I did that and they were awesome company and had a payment forgivness and I paid it in full and there was no problems. I suggest Gordons. They were great to work with.

They send me applications for credit cards every couple months for a platinum card that is worthless. They want to give me a $250.00 credit limit and charge me $179.00 in start-up fees before I even get my card in the mail. Then there is a 9.9% apr that more then likely go up to 23.9% in the first 3 months with no explamation at all. There are other fees they assess you if you are late, over limit, bad check, etc.

I think the only difference between First Premier Bank and Jesse James was he did it with a gun. They advertise as trying to help people with bad credit, but really they are just taking advantage of the poor people and lining there pockets. Any body that is working there must not have any morals at all to see this and keeping working there. If you apply for a job there the first question must be "do you have half of a brain", and if you answer yes they hire you any body with more than that don't get hired.

That is amy complaint about this Bank and thank the Lord I have more common sense then to ever sign-up for a complete rip-off like this. The best New Year head line I could possibly read is where this Bank got shut down and the people that own it be put in jail.

Finally I got to cancel my card with a nice agent 1 of 100 after going thru a lot of unprofessional agents and wasting my time. PLEASE PLEASE! if you want to avoid throwing you money away. Stay away from this company! If you are trying to get this card to get a higher score or fix your credit must likely the person who recommends this card to you is definattely getting a kick back! for what I have read so far and my experience they are nothing but scam.

Holding of funds. I was calling regarding my fund being release since the money had already been withdrawn from my account. After going at them for 5 min I ask for the supervior. I ask why such a long hold why did the dates change from one day to another over night. Well If you read the fine print behind your statement you read the withholding statement unless you do direct pay. I told we ask about that they said they could do that since the routing number where wrong the first time.So we give routing number again to a person. After discussing why there was such a hold on the fund well it can be up to 10 days. I repeated back to her You telling me that it going to be longer than 10 days and that you are going to hold the money until you feel like it. No No mama you putting words in my mouth. said the supervisor. So another words I told the supervisor that I should not make plans for any of the funds that I sent you as payment from 7th of December. "No you putting words in my mouth. let me explain." We have alternative ways of sending payment to us directly. I told her that we talk to agent ask if we could do a debit card over the phone or bill pay they said no. I sorry. I have no record of this. Then five day later I get a letter in the mail giving the disclosure stating that they can hold the money 10 days or more if needed without cause.

My husband,Steve,applied for and received 2 Mastercards from Premier Bank. They were low balance cards we thought were designed to help build our credit. These were not joint account cards but I was an authorized user. They show up on my credit report and should not be as I am not a joint account holder. I do not recall ever even giving them my SSN. Many times we called in our payments on the day that they were due and still were charged a $25 late fee, when we called and asked we were told that we had to call our payment in before 4pm in order to be counted in on time, even doing this we were still charged a late fee which continuously also created an over the limit fee. At no time were we offered any type of resolution. This snowballed.

In April 2009, my husband had a heart attack and had to have surgery, we fell behind in our payments. A couple months later we tried to call to resolve the issues and was met with very rude customer service. We attempted to close the accounts and was told that we would still be charged the monthly over the limit and late fees. The company called our home and cell phones, and I at one time had to have my cell number changed and they somehow got my new number and started calling that.

On Sunday November 29 at 9pm we received a phonecall yet again from a rep from this company. I tried to discuss the accounts with her explaining the issues we have had with the cards and the late/over the limit fees and how we could not resolve the issues and that when we tried to close the accounts we were told that we would still incur these charges. The woman tried to strongarm me into making a payment at that very moment saying that this would haunt us on our credit reports and cause us problems for 7 years. I told her that I could not make money appear where there were none and she kept interrupting me, telling me" Would you just let me finish speaking" She offered a %50 reduction of charges only if I made a payment of $90 that night.

Again we do not have the money and I told her that when we receive our income tax we would pay off the accounts on both cards like we did every year. She was very rude minimizing my husbands heart attack saying "her husband had one too but this is a bill like every other bill" She said that it stated in the Fees, Rates, Costs and Limitations that we would still be charged late fees and over the limit fees on a closed account. It does not however. She was rude to the point I hung up on her.

There was never any prior disclosure of any type of extra fees being incurred if you make payments after a certain time on your due date or late/over the limit fees being charged on closed accounts. In August 2009 my husband tried to close these accounts and we have been charged ever since. I filed a complaint with the BBB and awaited a response. They came back with they would remove the information from my credit report but neglected to say how they got my SSN in the first place,or our cell phone numbers, because we never disclosed those to this company either. They still stuck with the charges on closed accounts being in writing in the terms and agreement of their cards..but IT does NOT..this is an excerpt from that very same thing they claim states all these so called fees..."Account Maintenance Fee: An account maintenance fee of $3.00 will be imposed for any month in which you have an outstanding balance of $20.00 or greater after you have closed your account. This fee is a FINANCE CHARGE..." This is the ONLY charge of any kind they mention pertaining to closed accounts..in their response they also skipped right over the issue of all the late and over the limit fees on payments we actually made on time.

I was called and asked for by my first name by Sara at premier credit card. As soon as she said somthing about 'lowering my intrest' I tried to say(as to avoid the whole-no thank you conversation)"excuse me mam,I have one card with my local bank",she never stopped talking and then very rudely told me to shut up and how was I supposed to hear her when I was talking over her! And called me a B@#% then hung up on me.

CNBC News reported that the bank was raising their interest rate to 79.9%! I tried to go on line to get the scoop. As a result, I wouldn't recommend this bank and consider them to be very unfair. Here is a transcript of what transpired. Karen Says: Wait! Before you go, we'd like to offer you our First PREMIER Bank Gold Card with a *9.9% Fixed APR! CLICK HERE to Apply. Karen Says: Please type 'Hi' or 'Hello' in the space below to let me know you are there...Karen Says: Our application process is safe, secure and will only take a few minutes.

You: Hi, I just looked you up because of a news story I heard about your credit card. Your web site says, "Our CUSTOMERS are our #1 priority and are treated with fairness, consistency and respect. " The rest of the story says you're raising your $9.9% rate to 79.9% before the goverment's change in fees. This is not only not "fair", it's downright unethical. I won't be looking for getting credit fro you any time soon. What do you say to this, Karen?

Karen Says: There is an *Account Set-Up Fee of $29.00 (one-time fee), a *Program Fee of $95.00 (one-time fee), an *Annual fee of $48.00 and a *Monthly Servicing Fee of $7.00. You: Are you a live person? You didn't respond to the question. Karen Says: I'm a virtual agent with First PREMIER Bank. You: Does that mean you guess at what a question says? Karen Says: Sure, what is your question?

You: How long does your rate last, IN MONTHS? Karen Says: After you complete your application you will receive a response in less than 60 seconds. This response will give you the status of your application. You: IN MY OPINION, PREMIER BANK IS UNETHICAL. PLEASE SEND THIS TO A REAL PERSON. Karen Says: For any questions about your application or card, please CLICK HERE

I just would like potential customers to be aware of what is to come.

I called because they are charing me $6.00 a month fee for reporting to the Trans Union, Experian, and Equalifix. You have been reporting to them all this time with out charging me why now? They said now they report to them more often and it looks good for me.I told them I was not asked if I wanted them to do this and I want them to stop if they have to charge me, that said no it dosen't matter if you want them to or not they are going to keep charging me the fee. And if I cancel the card I will have to immediately pay off my balances.

I have had this Visa through First Premier Bank for years, and have had NOTHING but trouble. The latest probelm was back in August someone had stolen my info and used my credit card online, I called in and closed that account and opened another with a NEW card-no problems I "thought".

Anyway I recieved my new statement and I seen where my account was closed, I called in and this woman couldnt even tell me anything. She stated the ONLY way to re-open my account was to go through another credit check which lowers your credit score, and then I would have to pay more fee's on top of that. My balance was almost paid off and they want me to start all over again-its a RIP-OFF!

They charge all these fee's to just have the card, which is CRAZY! This is a scam and I want as many people to know about what they done to me. Even the Supervisor I spoke with named Mellisa couldnt even help me, all they wanted to do was open a NEW account with new charges and NEW FEE'S, no thank you! This company is a JOKE!

I cant use my credit card now for Christmas, I paid it almost off in order to buy my Children's Christmas now I cant even use my credit card because of what they done to me.

I have been using this credit card for close to two years now. I have never charged anything over my balance and EVERY month I have paid them on time, with the exception of a single month where my payment was two days late. That month I called them to apologize about my payment and made the payment over the phone (for an eleven? maybe seven? dollar processing charge), to not be hit with a late fee.

Each month I send them a check, write the amount in my checkbook, and am done with it. Whenever I have checked my online account with them the payments have gone through. Last month I looked at my online account and noticed that I was charged a tremendous amount for being over my limit. Frantically trying to avoid late charges, I paid the penalty and the past due balance.I never received a confirmation number, but moved on with my bills.

This month I went, like clockwork, to pay my bill. I checked my balance again and now apparently "owe" this company nearly $500- $250 of which are in late payment charges. I do not know HOW they possibly pulled this off. Did they "lose" my check? Did their automated system not process my payment? I don't know.

But I called them today and asked them to please look at my payment history- which is squeaky clean- and credit me money back for the late charges, and the woman with whom I spoke told me the best she can do is credit my account $35. That means that I have to come up with the $250 before the end of my bill cycle or I get charged with another $50.

This is a scam. There is no question about it. This NEEDS to be investigated because this operation can NOT be legal. I can now not pay this company and continue to accrue debt that I know that I do not owe. I have also been having severe anxiety over this, as I do not have the money to pay them but cannot let this go to a collection agency because I am trying to clean up my credit. Someone needs to please help by looking into this, because I guarantee you it will not be a waste of time. There are many victims involved.

I signed up for this card. Was charged 175.00 to do so. I was making all monthly payments on time every month. One payment "they said" was last and from then on I been charged a $50.00 late fee. I cancaled this card. My bill goes up every month month even after I make a $50 and month payment. They have called me so many times its not funny. They will not stop adding to my bill.

My wife & I were looking for lower-interest rate cards to consolidate & pay off our credit card debt. We have excellent credit ratings of 793 and 804. We applied for what appeared to be a legitimate credit card offer. I think it was a gold card, so we were under the impression we were applying for a $5,000 to $15,000 credit limit. We submitted an online application, and the bank website appeared to be legitimate. Three weeks later, I received an e-mail stating we had received a $300 (yes, get this, $300) credit limit. Our Costco card has a higher limit than that! If that weren't enough, the e-mail notification stated we had $121 in available credit. That basically implies we have $179 in charges, and haven't even received the cards yet, nor an account number! Apparently interest has already begun to accrue, as our first payment is already due -- yes, on the card we never received.

My wife doesn't recall seeing anything about $179 in up-front fees being charged to open an account. She says she thinks she read something about a $75, and maybe a small annual fee. That (the annual fee) wouldn't have been so bad, had we at least been offered some reasonable line of credit. But we've already racked up $179 in fees, and we don't even have the "product." Let's see, the card initiation fees are 59.6% of the total credit limit. Is that legal? Aren't there laws and consumer protections in place to prevent this? I filed a complaint with the FTC, as the company's business practices constitute false advertising, and might be construed as fraudulent. I'm also filing consumer victim reports with the Big 3 Credit Reporting agencies, and will report these problems to the credit agencies, such as Experian.

I read there have been several FTC actions taken against outfits like this -- one I read of was operating out of Canada. I think the FTC issued a "cease and desist" order. I'm really ticked, because my wife & I have worked really hard to establish good credit. It would be terrible if these people are to ruin my good credit rating through their terrible business practices. Please help. I want them investigated and for actions to be taken against them, to the full extent of the law.

Someone from the Premier Bank Card center called my job trying to get me to switch my credit card to their card claiming that I would lower my rate. I told her that I was on a no call an asked how did she get my #. The lady said that I sound just like Obama and asked who did I think I was and hung up. This did not cause any economic damage but is sure cause a lot of stress. Calling no less on my job. She asked for me by name my full name.

These people are ridiculous. They break FDCPA more than I can even COUNT in one conversation, and have the most insane, awful attitudes I've ever encountered. I was paying them even WITH being unemployed, and when I called to arrange payments for later, they tried to sell me on paying the whole things off. When I explained that I could not, they just got angrier and explained it was "for MY benefit". I then was unable to make payments briefly but was still contacting them to let them know I was trying, and paying what little I could here and there.

I then started receiving ILLEGAL voicemails from one of their reps "Daisy" disclosing all of my private information on my voicemail, and even going as far as to curse. Just recently, after I decided to just pay online (to the tune of $7 per online payment fee), they started with the calls again to tell me I am past due.

The first one I got was 2 weeks ago, and was received while I was at work. I politely explained that I was back to work, and would love to set up arrangements now that money's coming in, but that I could not speak as I was at my place of employment. I asked for a number to reach Ms. "Casey" (no last name), at. She refused, and gave me a speech about how she's trying to help me, and that if I don't work with her, I'll lose whatever "deal" she THINKS she's giving me. I explained again that I would truly like to get back to her when I'm NOT at work, and asked for the number. She refused and claimed that she had left me numerous messages (funny, because I hadn't received ONE since "daisy" months ago) and explained that I needed to talk to her now. I asked for the number again, and she raised her voice and began harassing me. I then hung up.

Another phone call came the next week - SAME TIME - I answered and explained that I would like to call them back/have them call when I'm not at work, the EXACT same speech from the EXACT same rep! I explained that her behavior last time turned me off from wanting to contact her, and that if she listened to me this time, I would call her when I got home. She then proceeded to harass me with the exact same speech - like she was reading off a script! I then said that I was happy making the payments online, but assumed she would like a commission, and that if she just GAVE me her phone number/extension I would call back that evening. She explained that I apparently avoid responsibility etc. etc. and I promptly hung up on her again.

What is with these people? If they would just treat the customers with dignity and respect, maybe we wouldn't be avoiding contact with you? And if you weren't so sketchy, and so idiotic to call at the SAME TIME that someone had said was a BAD TIME an expect a different outcome, maybe I'd have more faith in your company. Having worked in collections, I'm disgusted.

Them add of Finance Chsrge at 9.90% -balance and 19.90% on cash advances was at last year. can't pay anything that them scam me. that them just at payment of $25 from my bank account .that so frustrating.

mine disable was 2 strokes. can't talk very well though and losting everything from they doing this. please help me this. thank you

Since I've opened this account two (2) months ago, I was given a credit limit of $250.00. My initial credit after all the charges were deducted from this account was only $71.00. I made a few purchases and when I checked my balance a few days later, I was seeing a charge of $2.00 that I was overdrawn but that my credit limit had somehow had dropped from $250.00 to $200.00. I then went and made a payment on line for $50.00, of which they charged me $7.00 to make and then called them and confronted them about the over limit amount. It took me almost an hour and a half to get the point across that the reason for the over limit was due to their changing the limit amount. I have since made another payment on line which will cost me another $7.00 out of the $180.59 that I paid.

I was told that the funds were on hold until the 14th for clearance but that when I used the card, the amount that the charge was for is instantly deducted from my available balance. I do all my payments on line and there is only a couple that charge for that type of payment. All the other payments that I make get posted either within minutes of the payment or by noon the next day. The only reason for an electronic transaction to take any longer to process than that is that the funds are being held to draw interest before being posted.

I received many an e-mail from this company saying 'how much they wanted me back' and then they treat me with this kind of disrespect, I DON'T THINK SO'. There is no reason for an electronic transfer to take three days to post to an account, no mater what. My SSAN, disability, even my income tax is posted to my balance of my checkink account within minutes of it being sent by these organizations so why should it take all that time to post to my account other than this companys' greed for money. PEOPLE BEWARE, FIRST PREMIER IS NOT TO BE TRUSTED!!!!!!!!!!

This company is one of the worst companies in the banking industry. Not only are they charging $39.00 overlimit fees and $39.00 late fees, they charge you over $200.00 to get a $300 credit limit. Then, they make it sound like they're doing you a favor by making your credit history better! They're not.

It's an 'unsecured' credit card run by unsecured banking executives reaping the rewards of those of us whom have credit impacted by the current economic situation or by other situations beyond our control. These are the 'bottom' feeders of the industry and should have fines assessed their company in the same amount they charge their customers.

I have been out of work for 2 years now, constantly have been looking for a job and was receiving unemployment. Prior to all of this happening, I paid my credit card with this company and everything else, actually usually more than the minimum. When my unemployment ended, that left everything on my husband to pay, needless to say, we are stretched! I received a call that started out okay. Then she went through the usual spill that my card was past due. I let her finish and explained that I am not working and I am not receiving unemployment. She then asked if I was working and when did my husband get paid, I replied with, "Yes he is working."

She then asked if he could pay and I told her no, he is taking care of enough. This is when the call took an interesting turn. She then asked how long have I been out of work, I told her 2 years and she said, "I find that hard to believe. Well, you need to figure out how to pay this." I then hung up. Are these people serious? I have been looking for work for all this time, and I usually get the, "You are over qualified speech."

What am I supposed to do? I want to file a complaint against them because they are so very rude when people are trying to explain their situation to them. They are some of the few people that have managed to keep their jobs. UGH!!!! They have also charged me excessive fees when they contact me to set up a payment, I have to pay them a phone fee in the double digits or if I pay online, I still have to pay a fee. What can I do. We are living in very different circumstances these days and it is really hard.

I received a number of calls from this company stating that my card is over the limit on my next statement that hasn't reach me as yet. My next bill is not due until the end of the month. The representative tells me that my account is in collections even though the account is paid promptly each month. The credit card in question has a $400 limit however each month the credit card company approves charges in access of that $400 limit. I dont see why I should be penalized for the actions of this company.

This company should not be allowed to operate. The fees charged are EXHORBATENT. It is a rip off scam for people with less than perfect credit and charge for every little thing...even paying your bill! I have been ripped off for fees over $200 and rude to their customers!

yes i just got in a credit card that i apply for. when i got it they give me a crdit of 300.00 and charge me 179.00 initial fee leaving me 121.00 credit. how do i get out of this

I was issued with a credit card by First premier bank, but I came to realize that they charges are to high and they are not fairly applied.They charged me $172 which they claimed to be initial fee, following that another $29 account setting and other charges such as making payments online or by phone.There so many charges which leaves the consumer with burden of paying the debt.I am concerned because I was trying to build my credit but having a credit with charges over the credit line is not help is a ripping money off from the consumers.I talked to the representative but they said i have to pay off since i have the card.

Many web sites are dedicated to this institution providing poor customer service and excessive fines. To validate this all one has to do is google First Premier Bank and visit the sites of individuals providing reviews about service. I have dealt with this company for a month and have suffered rude, short, and painfully ill rapport with customer service from this "bank".

The issue that truly needs to be addressed is the excessive poorly represented fees attached to my account and additionally excessive fees for what would be standard account service. The most ludicrous fees are the program fee, account set up fee, and participation fee. Overall activation of the account was in excess of $170.00 in fees that are not normal credit charges.

In short someone sat down and decided to attach as many fees as possible to their clients. The biggest slap in the face is the monthly fee to view your account online. This is just outrageous! I have never had to pay for account access with any bank I have held an account with! It gets worse from there: if you make a payment via telephone you get charged a "convenience fee" in the double digits, and large fee is attached to making a payment online.

It is known that banks may charge such fees legally . . . as long as they are competitive within the market. Once these fees are excessive and beyond what the average instition charges within the shared market it does become a dance a bank will do on the line of enforcable law. I believe First Premier Bank is crossing the legal line and a class action lawsuit may be a viable option. It should also be noted a new consumer law is expected to pass on January 2010 that will go directly at banks that have excessive fees towards their clients like First Premier Bank.

At a time of people falling deeper in debt the fees First Premier Bank are almost, if not, criminal. I am a 100% disabled veteran that fought in Iraq, and my credit went from good to bad because of the time it took for the government to process and adjust my income. I have bad credit now and I understand that that creates issues with banks.

I also understand when I am getting taken advantage of. I expect the BBB to confront this institution about the business practices it has and to press First Premier Bank into fair competitive services and fees within the industry. It would be best for First Premier Bank to stop the excessive fees before the new laws are passed that protect the consumer in a few months.

Desired Resolution: A complete review of business practices, dealing specifically with excessive fines and charges that would make the products provided discontinue over-zealous fines and fees for expected practical standard service; (i.e. charges for on-line account management). This case will be reviewed by a complaint specialist at the Better Business Bureau, and then forwarded to the business for their response.

I did not read the fine print when applying for this First Premier Bank card. The credit card they offer comes with up front fees of about $180. There is also an Online Banking Fee, annual fee, and a "program fee"...or something. Basically, its a ripoff card. I have bad credit, but I'm not about to pay some random bank just to raise it by a few points.

How to get out of it: Call and say that someone had opened the account without your knowledge. The lady was very friendly and promptly closed the account and I did not end up paying anything.

This care really sucks. I get the bill, pay all the fees associated with this subprime card. Fees are outrageous, was charged $95 program fee, $29 account set up fee, $7 twice for monthly service charge, $48 annual fee, $7 to make payment using their website and $3.95 to access the account online. Gave them almost $300 only to be told that since I used their website to make the payment that they were holding the funds for 7 days. I did not find this out until today when I called to check the available credit on the card. I specifically spoke with a supervisor 10/15 and was told would have full use of my credit card. The solution was to conference a three way call with my bank to verify that the funds have cleared or I should have called in to their customer service number to make a payment using my debit card. What does it matter if I use my checking information or my debit card, it comes from the same account. Besides if you talk to a live person and make a payment with them, they charge you $11 for the convenience. Its bad enough that I was charged $7 for the convenience of making the payment via their website. The customer service is lacking, they really dont care if you have been inconvenienced because of this. Now I am inconvenienced until 10/20 when I was told my card would be available for use. At this point I have put a stop payment on the payment I made via their website and will only pay for my actual charges. Sub-prime definitely fits this company in their shady practices of charging all these fees up front and their sub prime customer service.

What a way to take advantage of people already struggling. The $75.00 actual charged amount was paid, the rest are fees. This should be a crime in itself. Of course, my credit is ruined and I receive a bill every month that I cannot pay. I have no job.

I had applied online for a credit card (Master Card). I received one from First Premier about 2 weeks later. So I used it before I received the bill that was over $100 in fees etc. I thought that since I used it I had accepted it. However when I went to make my payment on their site I was charged for that too. This bank is a disgrace and they should be put out of business. Needless to say I have to pay a balance that I did not incur (except for the balance I used) I have enought debt without these people.

On October 9, 2009 I called to report a stolen credit card. The woman took my information and told me a new card would be issued with a new account number, etc. Under the circumstances, I think the best thing to do is completely ditch the card. Pay what I owe, but completely and permanently close the account. I told her this, and she forwarded me to an "Account Specialist" who calls himself "DJ" and refuses to disclose his last name.

I explain to "DJ" that since the card has been stolen, I want to cancel altogether and I asked him to refrain from sending a new card. I said, "I'll pay my balance owed, but just get rid of the card, I'm done with it." "DJ" then became hyper-aggressive in his pitch to keep me hanging on. When I told him to please just cancel the account, he told me: "That doesn't make good financial sense to me. You have this card for only 4 months and now you want to close out, just because it was stolen- and we're sending you a new one and changing your account number?! That makes no sense to me whatsoever!"

I told him: "Your personal opinion regarding my desire to cancel are of no significance to me. Are you paying my bills? Are you bringing money into my home?" He says: "Well, uh no, but I just want to save you money." I said: "No you don't. You want to keep me as a customer because that makes YOU money, you're not trying to help me. Now just cancel the account already and DO NOT SEND ME A NEW CARD. "DJ" then became very angry and aggressive with me, yelled at me: "LOOK, I'M TRYING TO SAVE YOU MONEY HERE, WHAT YOU'RE DOING MAKES NO SENSE, YOU ARE GETTING A NEW CARD WITH A NEW NUMBER! I'M TRYING TO HELP YOU!

I asked: "Why are you yelling at me?" He yells: "BECAUSE YOU DON'T UNDERSTAND WHAT I'M TRYING TO TELL YOU, YOU'RE NOT LISTENING TO ME, I'M TRYING TO HELP YOU, JUST LISTEN TO ME! I asked his last name, he got angrier: "YOU DON'T GET THAT INFORMATION!" I asked the name of his supervisor: "YOU DON'T GET THAT INFORMATION EITHER!"

I said, "Look, I'm paying you people money every month, and I'm not allowed to speak to anyone but you? Let me talk to your supervisor, NOW." He says: "FINE." and puts me on hold for less than a minute then comes back with: "ALL OUR SUPERVISORS ARE BUSY SO THEY'LL HAVE TO CALL YOU BACK IN 6-8 HOURS." I told him I would hold, he says, "YOU CAN'T HOLD, THEY'RE BUSY." He then ended the call.

After attempting to bully me into keeping the card, he then blatantly lies to me and says all supervisors are busy and I can't hold. As soon as he hung up on me I called back and requested a supervisor, who must not have been too busy, as I waited less than 5 minutes for her. She calls herself "Misty," and promised I would not receive a card, and that the account will be closed. We'll see. At the time of the cancellation, they said $2.95 had been charged- probably an attempt to see if the card is good. I told them I'm not paying that, so don't expect it- I only pay what I owe.

i just happened to listen to machine when on the phone with them, so please help me take this off my account. thank you. they have alot of people angry at them for this since they like to scre people.

I received on 10.1.09 a First Premier Gold Visa Card in one envelope and a statement in another envelope. The invoice was for $179.00. I did not apply for this card and have never heard of First Premier Bank. I called Premier Bank and asked then why they would send me a card that I did not apply for and they would not talk to me, but said that they would call the credit bureaus and also cancell the card. They said that I had applies for the card and this is why I received it....now I have very bad credit and am unemployed at this time...1st. why would I apply for a card and 2nd. why would they send me one if I applied for one...I do belive this is a scam and really do not know what they have advised the credit bureaus.

We had a payment that we made a little over a month ago that we had made with one of their managers. She asked me to pay 3 times the amount needed since they had some issues with their computers and they will return my fees as soon as the payment processes. I had given them the card numbers, and was waiting on the computer to see it show up on our bank statement. It showed up, and we figured everything was fine.

The next month, we were told that we had missed a payment, and that a report had been sent in to the credit bereau. We were told that we missed this payment, even though we have since sent in documentation 3 times showing that there was payment on that day, which was not returned, that had a delay until the next day (something they said was unique), and that they had made no mistake. We told them that we had no issue even paying it again, but that a credit report for something like this was ridiculous. They insisted that our full month's bank statement, and letter from the bank was not enough, and that it would stay.

We feel that this an absolute scam since it comes with all sorts of fees on top,even though the card is not working for a long time now. The representatives are not trained enough to handle anything,but collection script. Managers keep promissing to "Do the reseach" and all I get is more illiterate collection calls. My credit is all messed up now and there is no way to fight this injustics. Credit was damaged badly. We were asked to pay 5 times more than I ever borrowed

I'd like to share my experience with you, hopefully, it will help some people. Unfortuanlty, I think we all found about this site a little to late and that's the reason we are here, but for those who currently have trouble with Premier Bank or who are thinking about getting credit from them, please read:

I've experienced some financial trouble in the past few months, and have fell behind on payments. My card balance is currently $140 over the limit, due to fees and what not, becuase I haven't been able to pay in a few months.

They called me up and offered a settlement. They asked me to pay 50% of the balance, which I felt was a good deal and accepted.

Eleven days later, I have not received any letter. I called up and spoke to a lady named Cathy, who by some strange coincidence, has answered the phone every time that I've called them in the past few months. Is this a four person company/office? I know she is not a secretary.

Anyway, she informed me that they DO NOT mail a letter, and CAN NOT FAX a letter, or even send an email confirmation. The only way that they could send me a letter is that if I arranged a payment. Come on now! I've settled with credit card companies before, and it has NEVER been a problem to get things in writing before making a payment.

She said that this offer was only good until the 30th, which I was aware of, and if no payment was received by then that this account would be charged off. She continued that it would be impossible to get a letter to me by the 30th, but if I arranged a payment right now, they would mail one, but they needed a payment to process. So, basically the wanted me to TRUST them and give them money and leave me to hope they hold up their end of the deal. I refused.

I've done too much homework and research with this kind of thing, and I know that rule one is to get everything in writing BEFORE any form of payment is made.

The supervisor named Amy was calmer, but she didn't offer anything different. Just that I could either Western Union them the money, or set up an automatic payment from my account. They both acted surprised when I said that if I pay I will pay by overnighting a money order or cashiers check.

Bottom line is that now I have two days to pay them, and have no proof that they will hold up their end of the deal.

They've made something that shouldn't be complicated into a big issue, and I have lost any trust and faith in this "bank" or "company"(not that I had much in the first place).

Here are some things I've learned through my financial troubles.

1.Do not give them electronic access to you checking account. This will lead to unauthorized withdrawals, bank fees, and etc. If you have to pay, pay by cashiers checks, or money orders.

2.Get EVERYTHING in writing, because an issue surrounding this debt WILL come up. Maybe not real soon, but maybe years from now, so keep a record.

Thank you for reading this.

I applied for a credit card through this company in order to re-establish my credit. When I received the card, there was already over $100 worth of charges on the card due to service fees. None of this was explained to me when I applied for the card. Shortly after I received the card, I received notice from my employer that we were to go on mandatory furlough leave, which made it impossible to pay off the large balance until September. I tried to explain this situation to the numerous customer service representatives who would contact my home on an hourly basis from April to August. Although I had tried to make payment arrangements for smaller amounts, the agents refused to take them and told me they were not acceptable. Additionally, every female agent I spoke with was rude, agressive and raised their voice with me. This is absolutely unacceptable business practice. Whenever I asked to speak with a manager, I was refused. Finally I had made arrangements with Cory on the 29th of August to pay the amount of $186.30 on September 8, 2009 and was given a confirmation number. The payment never credited my account and I check my account on a daily basis.

Fianlly, on September 13th, I received a call from a woman claiming to be from First Premiere Bank. I asked her about the payment and she told me that my debit card was declined on the 8th due to insufficient funds. I explained to her that I had money in my account waiting for the credit to take place. She told me that I could go to a Walmart and get a Moneygram to pay off the amount in order to make sure it went through. I asked her if I could speak to a Manager to ensure that I would not be paying for something with a Moneygram only to have another payment come out in a few days. She argued with me, but me on mute and said that she had to speak with me before putting me through to a manager. I refused to speak with her, thinking that this might be a con game and not legitimate, argued with her and hung up on her. I tried to contact the company right after I hung up on the agent and found that I would have to contact customer service on Monday since the office was closed. Since the office was closed, I am seriously doubting the legitimacy of the phone call I received on September 13th.

I got this card in the mail,thinking everything was right.not so I tryed to activate this thing couldn,t do it,I called them they said the card was activated go spend.ha,ha,no way,I guess I will have to pay all the fees in order to stop the bad credit report.hurry some one stop these people.its a scam.

Charged me off and never even told me, so I can make a payment before that would happen.. and ruin my credit for 7 years...dont anyone get a First Premier card isnt worth it.....

i wasx offered a cc with a $3000 limit, i have cc's w/ 15,000 limits... and when the cc arrived, i recieved a $300 limit and they wanted a $199.00 activation fee and so and so on. however, when i told my step daughter to make her phone payement w/tmobile, she used this card... i just spoke to luke #vb9 and we settled for the amount of $78.87... the amount that was owed on the card. I stated to Luke (who would not give me a last name... only the #VB9... that my checking account would not be charged any more than that... WE WILL SEE HUH? This company is a rip off and should be closed down! i cannot express this enough!

I first Want to say any one thinking about getting this credit card DONT do it! They are defently scammers and all they care about is taking your money.

Im a 24 year old college student with no credit and no money. I applied for this credit card about a year ago and ever since than they call me 6 to 12 times a day harassing me, telling me im late on payments, wich i wasnt. I send money orders at the same time every month and they claim its always late. I dont care where there located i send them payments 3 weeks in advance thats more that enough time to get there.

There fees are outrageous! I meen they have a fee for everything. Iv talked to some lawyers and other people about this and they claim its all legal. I just dont understand how someone ripping you off is legal. Now im 400$ in the hole Because iv never had a credit card before, and i have no credit so i didnt know what to do.

PLEASE PLEASE PLEASE, dont get this credit card! It should be Illegal and they all should be prosicuted to the fullest to what there doing! Can someone please help me i dont know what to do! Iv thretend to cancel it but they said it would even make my credit worse. There ripping me off with these fee's.

I have two cards from this company. the fees sucked but what can i say? so did my credit so I was lucky to have a card at all. i screwed it up once and was late on the payment and learned my lesson. Will never do that again. All in all its a great card. If you want one with no fees then dont have crappy credit.

I love the people who make complaints on this credit card. Their madness always starts w/ "I was late on a payment" or "I fell behind". My favorite is "I applied online to see what my credit line would be and when the card came in the mail I got a $300 card. I didnt apply for this". This credit card and other creditors do not want late payments. They want on time payments. They also want something to report at the end of the month. When you "fall behind" that is irrisponsible account managment.

While I realized that this bank charges many fees for just about anything and everything, we have been very diligent in paying everything off each month and on time. They just don't make it easy for anyone to do this. Paying on=line, the payment confirmations states "this payment will be deducted from this bank account "on or after" the date selected. It took over 48 hours. Of course then late charges are able to be assessed.

I called every day to make sure the payment was in fact credited and begged them not to hit us with a late fee. I just tried to schedule a payment for the full balance, which I can see on-line, but I haven't rec'd the statement yet. I wanted to schedule it for a couple weeks from now, and two weeks before the due date so I wouldn't have to worry about late fees.

So I look at the "current balance" and it's $7 over the credit limit -- there was an additional fee for something -- I can't tell what. Of course the customer service line only gives me automated options -- no person to talk to. I get routed around a while -- it asked for my cc number, which I put in, then says it cannot help me and hangs up.

So I figure I'll go ahead and pay the full balance anyhow to avoid MORE additional fees. I attempt to schedule the payment, and I got an error message -- I cannot pay more than the balance. But I selected the balance to pay. It's the option they give, along w/ the minimum, which I have never paid. This bank is making it almost impossible to pay any charges on time.

Apparently, the nearest I can figure, is that the monthly fee has increased (my fine print pamphlet apparently tells me that they can do that without telling me -- so who knew when I charged a dinner last week that I would then go over my credit limit.) AND apparently the "pay on line" fee was added to my card, rather than deducted from my checking account for the last payment. I had excepted that fee to be deducted at the same time for the full amount. It wasn't. So the $10.95 fee granting me the privlege of paying on-line so they can hold off crediting my payment and then add a late fee. well there they go.

I will pay this off and then probably close this card, even though that is supposed to hurt my credit rating. I certainly won't be using it again -- and who knows how much the monthly fee will go up to and then I imagine there will be a non-use fee they can bill me, not to mention a fee they can assess for letting me breath.

My EX husband and I was married on 6/21/93 in georgia. HE left me on 12/27/03in sc. HE married me when I was on SSI and when I was 100% disable. After I inforn socialsecurity That I was getting marry they cut off my income. At the time we were married I did not recieve any income and he was my soul source of income. NOW after we are divorce seen 1/13/ 2006. my credit is all miss up . People sent credit card in ola --- name . I have call them to stop and they keep on sending them. I have out standind tricare medicai bill that he has not pay . Credit card bill that I did not charge. HELP!

I used my credit card to rent a car. I paid the security on the card then paid the actual rental in cash. When I returned the car to the rental compnay they returned $9.25 more than was originally ran on the credit card. I called approx 4 days later to see if the credit had been applied to the account the recorded message said the account had been suspended. I finally got a hold of someone in customer service they told me that my account had been flagged for fraud and was suspended until the car rental company sent them the receipts that I actually paid the amount that was returned to my card.

I never received a call, nor letter stating there is a problem with my account and had I not called to find out about the credit, I wouldn't have had any idea until I tried to use my card. They have received the required fax and now tell me that it has to go through their theft department in order to reactivate my card. The woman I talked to even told me that it's because I would likely have a friend working at that company and repeated charges would eventually add up to a lot of money. This was one return.

This bank offered me a credit card. I accepted the credit card and I also provided them with my checking account information and they took $300 out of my account and charged me for spending my own money. This company has ripped me off and has also reported to my credit report that I owe them 474.00 for spending about an $100.00 that they took from my checkings account. I dont think that their policies and business procedures is fair to consumers. This company has taken hard earned money away from my family and I. They have charged me for money that I have earned and then caused a negative affect on my credit report. If someone can please contact me and offer me a solution to my problem I would greatly appreicate it.

Since when does a credit card company charge you to increase your credit limit and look up account balances on the net.

Please accept this letter as my formal protest of fees and notice to close the account:

Under no circumstances would I agree nor did I agree to the escalation of fees applied to this account. Prompted by receiving the card and my review of the generalized account balance information, I have researched and found that First Premier's deceptive tactics are well documented.

I will make every effort to contact a First Premier Bank representative in order to seek remedy. I demand that First Premier Bank reverse all fees and close this account immediately. At 9:00 AM on August 10, 2009, I will submit a formal complaint to Maryland's Attorney General, Consumer Protection Division. I will also copy the FDIC, office of consumer complaints and/or other agencies that regulate First Premier Bank's practices in Maryland.

Furthermore, in an effort to advocate for other consumers, I will take all legal measures possible to

inform as many consumers as possible in order to thwart further deceptive practices.

I WILL NOT STOP

I had good credit like 850, then I was defrauded and "owned houses with mortages in default". I looked for a "low cost" card to reestablish credit. I paid the $179. and used the card a bit.

Got no statement and I am "suspended", which I do not care about in public, but do care about in reporting agencies. I am bring suite against First Premiere next week. Customer service is non-existent, you cannot even get a real person!

i got this card about a year ago, and decided to do it because my credit was bad, and it was a good way to get back into a good standing. got it paid the entire balance right away. last month i was sick for a week and off work with no pay because i dont have sick time yet. anyway i got backed up and the card went late. they have been calling me and harrasing me at least 10 times a day, including multiple times at work! it isnt even over the limit but they insist i need to pay it in full. why! it isnt over, it was late but i have full intentions to pay it this month. they wanted me to prodate a check to pay for it and then charge me $12 to do it over the phone. this company is rediculous. i am paying it off and cancelling it.

This is the absolute worst credit card to have and customer service reps to deal with. I payed my bill in its entirety each month and on time, making me a good customer. I was contacted by a company offering me a $100 gift card for being such a great customer and all I needed to do was enroll in an auto rewards program. I repeated many times I was not interested as I do not have a car nor do I drive. Still they insisted. Of course the paperwork arrived, the gift card was a scam and I had to cancel the program immediately. I was still charged amounts varying from 14.99 to 19.99 for several months after. I disputed the charges and when a customer service rep left me a message about needed additional info to look into the matter, she did not supply me with her last name or an extension number making it "impossible" as the new customer service rep said to know who I was supposed to talk to. In the end I cancelled my card altogether but not before literally being yelled at by the woman that was aiding me in the cancellation process. She seemed to think that they were doing me a favor by granting me a credit card. I was a dream customer and all I got out of it was a scam, inconvenience, stress and verbal abuse.

I do not have a credit card with this bank, yet I continue to get harassing calls from them. After the first call I thought I had corrected their screw-up. They had someone else's name and my phone number. I was assured it was corrected and yet I am still getting calls to call back immediately to 866 949 5200. What can I do to stop these idiots from harassing?

Yesterday in the mail, my 21 year old son received an offer for a Platinum MasterCard from First Premier Bank. The offer was a credit limit of $700.00 of which they immediatly charge an annual fee of $175.00 leaving available credit of $525. The percentage rate is 23.9% with a list of fees they will add at the drop of a hat. The most interesting fee was a Credit Limit Increase Fee in the amount of 50% of the amount of the credit limit increase.

Not wanting anything to do with this company, I called their toll free opt out number which was automated. The very first thing I was to enter was my social security number! I hung up and called their 800 customer service number, had to talk to 2 people who both wanted my social security number. They tried to make me believe, the only way they could pull up my sons information on the computer was with my social security number!

Eventually with a confirmation number printed on the offer, they said they took me off their mailing list.

Stay away from this company!

I received an unsolicited credit card in the mail from First Premier Bank. I read their ridiculous terms and cut their card up. Later I discovered that they had kept the account open even though I never requested this account and had called them to decline their invitation to accept their card. The account is now in collections and I refuse to pay it. I don't care what happens to my credit report regarding this company.

After the took out 225.00 from my checking i had cover 200.00 checks overdrawn i cant afford this and none of it is my fault,first primier say they did it and will fix it,this, but im consatantly getting phone calls telling me ive over spent, there crazy, they should only be able to take what the check says,

I also said I have never received a call like this before because usually if you are over the limit you people are getting the interest. I could understand if i did not pay a bill then you call looking for the money but when I haven't even received a bill which would be Augusts. Because I did pay July's. It is Harrasment! If I do receive another call about this I will bring your company up on Harrasment charges.

I've taken over managing my elderly parents' (84 & 87) financial issues because they are too old to understand what is happening to them, too easily swayed by fast-talkers, and often forgetful about paying their bills on time. I've been cleaning up many messes, but the worst are with several major credit card banks (and AT&T). I'm still trying to resolve an account with a bank that agreed to a settlement a couple of months ago (after 6-1/2 months of negotiations and stonewalling), but they still haven't sent the promised settlement confirmation letter, and they keep promising me that a supervisor will call me "tomorrow," but tomorrow never comes. Also, their web site shows the account still open with a huge amount of debt on it--in spite of our having paid the settlement in full, while the bank rep was on the phone in a three-way call to another bank that was taking over the debt. My folks are so deep in debt (which I didn't learn until last November), that I can't imagine them ever getting out of it. They live on a tiny, less-than-half-of-the-national-average-household-income and their bills are larger their income, esp with medical bills.

My parents started abusing their credit cards ONLY after their rickety old trailer was demolished by a tornado, two years after the previous one was demolished by a hurricane. (The insurance was very poor in both cases.) They had no money to live on. (We didn't know that, either.)

The main story:

Anyway, that's a huge long story, but I'm angry today about a "small" issue, which I'm mentioning here. We were spared the actual trouble, but I am sensitized by all the crap I've been dealing with re: credit card debt.

Thank goodness my parents' mail is now coming to my house, where I check it out first, or they would have been additionally swindled by First Premier Bank.

In today's mail, addressed to my mother is a letter offering an amazing credit card, and it contains the following paragraph:

Then it shows two "great" benefits, including a 9.9 apr on purchases (much lower than anything my folks have). Sounds great!

However, I read the "Initial Disclosure" pamphlet -- something my octogenarian parents would never do, and they probably couldn't read the small print, anyway.

20 Additional Card Fee (for spouse)

Thus, the first month leaves the customer with a $51.00 credit line, after that person has paid $199.00 FOR NOTHING.

This is supposedly for individuals who already have trouble paying their bills!!! This slimy behavior preys on the elderly and those who aren't sharp enough to spot a scam when they see one.

I tried calling them to complain, but there was no way to reach a REAL person, even by pressing "O" or saying "agent," "representative," or any of those usual methods of reaching a person. However, with the press of a button you can sign up immediately for the card. It figures.

It just makes me SOOOO MAD!

Sorry about the long story, but I think our government should REALLY CRACK DOWN on predatory lending practices. I read the summaries of the House and Senate proposals, and IMO they are as weak as (my father's phrase) "a fart in a windstorm."

Received email from First Premier Bank for credit card offer. This bank preys on people with lessz than perfect credit. Thier website says that you will recive at least a $250.00 credit limit. Adding up all the fees, and there are many...

Acct Maintenance = $ 3.00

This before any purchases are made.

Please let me know.

ask they do not call my work and they continue to do so...these calls could get me fired!!!!!!!!!!!!!

The month of May believing the card was paid off as I had done so and not used the card since started receiving collection calls. I asked what amount, $12.00 was my balance. The people calling were quite firm that it must have a payment promise for it. I received approx 3 calls a day for the first week and a half. Finally approaching payday I adv the rep i would call back the falling Thurs. They still pressed. I laughed and finally got someone that saw how silly Premier was being over 12 dollars w/ a cust that has been w/ them for years. So I did as promised (after receiving 2 more calls) and made the payment.

Now once again I was under the impression that the card was paid. I didn't use it again. Getting ready for vacation took accounting of monies avail and a ck of card balances. At this time I owed $6. June 17 we leave on vacation. We used the card for the next approx 2 weeks. We return home Tues I believe 6/29 or 6/30. We were in the door literally 10 min and our phone rings. A man on the other phone req me I was at the time getting 3 children in the house and settled. My husband advised him of our circumstance but that he would have me return the call asap. He had to repeat this 3-4 times. The rep told my husband that we owed 267 and change and that he had to have a promise to pay right now and proceeded to adv of cost and penalties. My husband for the last time adv him we had just walked thru the door he himself was not aware of status of my card and that he would have me call as soon as we were settled and hung up.

I called 7/1 spoke to a rep thought about req a supv right away but thought of the reasonable rep and thought I would give it a shot as soon as I started w/ the harassment over $12 in May she barked right back " well yes it was past due!" I realized this was going to go no where darn it I owed premier $12 and the 3 calls a day for 2 weeks were justified. I req a supervisor. I was surprised to be transferred fairly quickly. The supv introduced herself and I relayed the past 2 months of events to her. She apologized in a script sort of way and then lowered her iq to deal w/ me and talk to me as if I were a child quoting the card agreement. I was insulted and angered even more. I then raised my voice and became a bit sarcastic but hope that she still heard me. If not someone from premier please read this carefully. At the time of the late June call all we legally owed was $6 even the supervisor conceded that my next question to her was why then was the rep demanding and I do mean demanding the 267.00 total on the card 261.00 had just been put on it in the past 2 weeks!!! I had not been billed for it yet. He had nor right to demand full payment.

The supervisors only response was but you did get a bill for the $6. Now, my husband and I get offers from Premier weekly to get more cards from them offering us even more credit. Why the hell would we open ourselves up to even more harassment over $6 and $12 balances and be made to feel as deadbeats thank you but no. The only reason we don't close the existing accts is in today's financial climate we are adv to not close accts just to keep the balances dwn. Please someone from Premier contact me regarding this matter. I am sure corp can see this for what it is harassment over nothing amts to a long time cust.

I opened a credit card account with First Premier with the understanding that the fees were exorbant. My intention was to use the account to build up my credit and use the card very prudently. I made the company aware of this fact and paid the $138 initial fees upfront. I paid 6 months of monthly fees in advance and did not use the card. When I started using the card I paid most balances in full in advance of the due date.

In the last two months I paid the minimums but in advance of due date. I recently got a call from Crystal and she said that I was overdrawn due to a backend fee that I was not aware of, by 13 dollars, plus a 29.00 overdrawn fee, for a total of 43.00. This (the $43.00) was immediately reported to all three credit bureaus. She said not to worry because First Premier would credit the 29.00 back to my account in 2 days. They don't charge for overdrawn fees on fees.

Ironically, one month prior I was offered a second card with identical terms. (percentage wise). I declined. So I paid $256 for a $200 credit limit and didn't improve my credit. I was sent a solitiation to purchase badges with my last statement/invoice and no mention of pending payment due.

I have bad credit and signed up for the card to improve it. I was aware of all the charges and was not surprised when the first month's statement was over $240. I did pay it a few days late but paid in full. As soon as they got payment they cut off my credit line. They stated that with the $25 late fee I went over my limit. A week later I got a bill for $169! what? $25 late fee turns into $169! They say it is intrest on the fees. I thought they were not allowed to charge intrest on fees.

Thinking it would be wise for my wife of just over a year to establish credit following her bankruptcy and divorce earlier I asked her to sign the application for a Centennial credit card. Received the first statement with the following charges: Program fee $95.00, Account set-fee $29.00, Monthly servicing fee $7.00, Annual fee $48.00...total $179.00 at 19.90 % ...remaining available credit is $171.00

I too received a creditcard with a limit of $250 and had about 49 dollars to charge with. it was had paying that back. the credit card lapse they put me in collections for the money they had charged up prior to me even touching it. Bad credit report over $700 in fees i had to pay out. still on my report.

I am a 60% disabled Veteran of the Armed Forces of the United States of America. I have to keep on going to the phone to answer a nonsense call. They are very rude and I know my rights.

If you have applied for a First Premier Bank credit card and want to cancel the application procces call. You must do so within 48 hours after your application is accepted. It is difficult to get a live customer services rep, so you need to go through the automated system and select the option to "Make a payment". At this time it will ask you to enter your credit card #. Do not enter anything at this time. It will then ask you to enter your ss# and direct you to a customer service rep. I told the woman that i wanted to CANCEL MY APPLICATION and she told me I will receive confirmation in the mail in 7-10 days.

NOTE: the First Premier Bank customer service PH# is useless. It is strictly an automated system.

I got my card with a 250 credit limit n approx 178 in charges. I made all of my payments each month and had requested a credit increase. they charged me (but didnt tell me) for the increase causing me to go over my limit and charge me fees and filed on my credit report. They never dd increase my limit

I got this credit card didnt know all these fees were legal until now. They took much of credit availble from 250 and I only had 71 to used. They scam me and did scam me on late fees but return it back to account. This is a very bad company I wish I would knew about this scam. I ask them to waive the fees they refused to. cause me hardship of using the card I only had 71 bucks to use on the card and took too long to build up to the credit of 250.

After the inital fees, I have no complaints. This is More of a note to those who do or for those thinking on accepting the card. When I got the card I knew the inital cost would be high with all the fees, I simply accepted the card when I knew I could pay the 'Fee Balance' at the same time (ya,, my credit is shot due to my own younger mistakes so I'll take what I can get). So when I got the card, I went online and registered it and paid the fees. Since then, I only incur a $7 online payment fee, and once a year a $45 fee if their are others I cannot see them, highly unlikely due to the amount I pay increases my availible credit equally (less the $7 fee).

I do have a balance, but with a credit limit of 250, its easy (at least for me, knock on wood) to pay double or triple the amount owed. The whole point is to re-build my credit, so I have been following some rules to avoid all the other fees that people are complaining about. I Pay ontime, I dont go overlimit (never use it for cash), I dont pay too soon (2 payments in same month may only count toward that month). I Try to pay at least double the amount. I covered all the inital fees upfront, once my statement showed 100% avalible credit I started using, not before. Well thats what I did, am doing, 1+year now. Oh,, I also consistantly check my balance and due dates, I call when I have a questions, they do answer.

I will call them back to complain about it. The first premier bank must be punished by the authorities. The FBI must involve in this kind of problems to arrest the CEO or superior of the bank. The US government must not tolerate the first premier bank doing their bad business.

This bank allowed someone to open an account in my name first off with a different address. Now they refuse to give me the information that I need in order to press charges against the person This is now on my credit report

I have been recently and deligently paying to find out a very intersting new set of fees. Here is the scenarion I paid on April 3 for the April Bill and then again on April 20th then again on May 2, 2009. Sounds great that I could do this right ? Wrong! I was told that I paid too early and that the April 3 payment went to the previos billing cycle and the May 2 payment went to the previous billing cycle (therefore not paying Mays bill but paying Aprils Bill which I had already paid).

OK Big deal? Yes because I got a late fee for each of those billing cycles for $25.00 each time and the explination was if I had waited a few days then it would have been considered on time? I got them to remove one of the fees but you bet they did not remove them all. I ahve not reaced back how long this has been going on

I applied for a First Premier Bank credit card. I did not understand or read about all the hidden fees they have. $179.00 fee plus $29 for interested fees. I used the credit card a couple time payed off what I owed cancelled the credit card. And now they are still charging me for the $256.00 dollars. They call all the time unknown number don't leave messages. I spoke to a lady on 6/9/09 she offer to have me make two payments of 50.00 dollars and they after that 25.00 and they would lower it to half $160.00. Is this legal to do to people... Don't ever apply for one of there credit cards is a rip off. I got laid off for work and they think just because they have a job and money every one else does. Has it made like them.

It comes today a measly 250 71 available after all therre fees and it is already active. I DID NOT GIVE APPROVAL TO ACTIVATE. I am so [upset], no way to get a hold of them, and I did not approve of their deal so I will not pay a cent for there already activated card. messes up my credit record and gives me a bill I never agreed to

I have had two mastercards from First premier bank one at $250.00 limit and another at a $300.00 limit, and each month have made timely and above the amount due payments. Several months always pay off in same month.Within the past 4 months I have been attempting to make my payments online @ mypremiercreditcard.com which is the site in which is printed on their statements. Within the 4 month period, the website does not direct you to the correct website and when I call to speak with customer service they tell you that their office is closed even during the 8-5 pm timeframes.

I went onto the web and researched if the site had changed and also called to ask. When I continue to make my payments and can't get through to a reputable business or see that the site only takes you to emoticons, and random adds it started to make me curious as to whether or not this company was even a company. The automated system only allows you to make a payment and check your balance. It asks if you want to speak with CS but as stated does never route you to one.

I have concluded that First premier credit cards are fraudulently conducting business. Increasing late fees, finance charges and tacking on various other charges to do whatever they can to get money when consumers are not using the cards like myself. I stopped purchasing within that 4 month period and my statements are showing amounts due higher than when I was using them. I feel that this bank or whatever it was doing business in Sioux Falls, SD went under and has been acting as an active entity and not disclosing the proper terms and changes to their customers who fell victim to this scam.

I called on 6/4 to cancel my card and had been looped over and over again when pressing 3 to speak with Customer service. Seems extremely odd that if they were reputable they would at least have numerous avenues to serve their customers. I will continue to file complaints and work to cancel out both these cards and ensure that I take every effort to articulate amongst the other customers who also fell into this fraudulent activity with the First premier credit card company advertising they will help rebuild credit when in reality they are causing more financial hardships and frustration for all their customers who believed they were valid.

I have been having problems with this company from the start of my credit with them. I got behind and they charged me for this and that. Over the limit amount, late charges and etc. The just raised the interest rate to 29.9%. The don't want me paing this off. I am on a fixed income from SSI and I can't make my payments if they keep raising the interests rates on me.

This is a bank that when I signed up it said, first off that it was under First Premier, then when I signed up for their card, Silver I think it was, it transferred me over to the company running the Silver cards...Plains Commerce. The credit card claimed it would help me with my bad credit and actively try to rebuild my credit with me by sending me tons of updates, notices, tips and whatnot.

Well, I rarely receive my statements and when I do they are late or just a couple days prior to my payment date. There are two separate websites they send you to: one is the payment site, the other is the site holding your account balance and transaction info. Coincidentally? They are hard pressed to give you the site with your account info. because then you may actually see your payment schedule and avoid the 29 dollar late fee.

The only way to avoid this fee is to call the bank and ask them for this mystery site info. which they never once volunteered to me, and I did not know about until I tried to make two payments in a month and get ahead of schedule and the woman on the customer service line told me that was not possible and referred me to the aforementioned account info. site. You are not allowed to make two payments within five days of each other. Another useless term...the purpose of which I still don't know. I am a timid spender on my credit cards because I'm terrified of the fees and hidden charges.

After 7 months, I canceled my card today, feeling taking advantage of, preyed upon and duped for not being allowed to have control over my account. The reason people keep bad credit scores is from cards from places like this. I paid just over 400 dollars to pay a grand total of 86 dollars in actual purchases over seven months with Plains Commerce. I'll never get those 400 dollars back from Plains Commerce, but hopefully I can stop you from losing yours. At PLAINS COMMERCE, I purchased 86 dollars, and was CHARGED 400. Predatory Bank to be AVOIDED AT ALL COSTS.

A friend received a notice on an application he does not recall making to First Premier Bank for a credit card. They stated that due to Experian credit check showing no history, etc, they were modifying their terms. Terms are: $29 application fee, Acceptance Fee: $143. Monthly Servicing Fee $84 payable at $7 per month. Annual Fee -0- for the first year, $49 per year thereafter. The guy that got this is inexperienced and could have fallen for this had I not advised him about this scam like practice.

Is this legal? The actual interest rate in this situation is far above 100 % when considering that if you use the card you also pay 19%. When I placed a call to the company the system is 100% automated, no humans. How would an inocent person refuse this card? Can someone get back to me on this, I need to know what has been done so far on this.

This is a fraud. They offer credit for the sum of their fees and a couple bucks more. A $250 credit line is eaten up by $224 of fees - that keep on charging you forever. The effective interest rate is over 200% when the 'fees' are included.

Bad terms, but I agreed to them without doing my homework. I cancelled the card after approx 3-4 months, and have every intent to pay them. I was late on a payment and started getting up to 8 calls per day. I am out of town, and my wife has answered them 6 times today. Times are 8:58am, 11:35am, 1:15pm, 5:10pm, 6:35pm (missed call), and 6:40pm. She told them that I would be in Monday and that she had told them this the day before. They said they could not stop calling because it was an auto-dialer. When she stated that she would call the NC Atty General's office, the woman calling said "your state laws do not apply since this is an auto-dialer". If that is the case, can I get an auto-dialer and dial them repeatedly?

I received a card with a 250 dollar limit and before I received the card it's self I received a bill showing I had 71 dollars of available credit. I should not have but I used the card. and I do not know what to do

I was promised a card that was going to help me get my credit straightened out and improve my credit score. Instead I was sent a card that immediately had charges from thier bank on it. When I used it for myself I went over the limit and was charged additional fees for that. On top of that I have a monthly fee on it.

There are so many fees that if when I make my payment I am actually paying them more for the card fee then my own actual debts. They are not helping me or anyone else to "get back on track" as they state. I am honestly trying to make a difference and pay off my debts and they have preyed upon my and countless others.

Our home phone is constantly being called looking for money that I have not even spend but has been their charges on the bill. I am sending in my payment for what 'I' have spent and contesting the other charges. I am also asking that it be canceled so I do not incure any other charges. This is going to look negatively on my credit report when the whole idea of getting this was to improve my report so I can get back on track.

I was promised a card that was going to help me get my credit straightened out and improve my credit score.

Instead I was sent a card that immediately had charges from thier bank on it. When I used it for myself I went over the limit and was charged additional fees for that. On top of that I have a monthly fee on it.

There are so many fees that if when I make my payment I am actually paying them more for the card fee then my own actual debts.

They are not helping me or anyone else to "get back on track" as they state.

I am honestly trying to make a difference and pay off my debts and they have preyed upon my and countless others.

I received a preapproved card application - called in and was approved. When I received the card I found out that out of the $500 credit limit, $125 was for fees. There is a monthly 'servicing fee' of $11.00 in additionto the inability to pay on line - they charge $7.00 Unable to speak with a human - their phone is automated. None of this was told to me on the phone when I accepted the card. Good lesson learned for me - I should have reviewed the online reviews prior to accepting.

I can truly say that the complaints against First Premier are true. If you are a consumer and writing in praise of the company you were cited by the company to do this and you should be ashamed. You will see this again--that is being a flase witness. The Bible warns against false witnessing.

My experince has been horrible with First Premier. They prey on people with bad credit. I want you to know that the company never ever sent me a statement. I know you don't beleieve that but it is true. I would telephone the company every month for over 4 years and pay from the phone balance and mail the payment int---trying to rebuild my credit. Just recently I paid them off. They say I still owed them $80.00---to which I never ever received a statement. I paid it! The lady said if I paid it they would remove my name from bad credit. Really I omly owed them $40.00.

I told her the company was unfair and that I never received a statement. Guess what she said--I had moved and the statements came back. She lied--I have never ever moved---and she then she said all the information of my address was on the same line that is why I never received the bill. Who is retarded? Something needs to be taken in action against this company. I am writing the attorney general's office. These people prey on people who have bad credit.

Issued a credit card in my name with the following Purchases and other charges: $95 Program Fee (finance charge); $29 Account Set Up Fee (finance charge); $7 Monthly Servicing Fee (finance charge); Debits: $48 Annual Fee 05/09 through 04/10; $1.59 Premier Credit Protection at .890 per $100.

Issued a credit card in my name with the following purchases: $95 Program Fee; $29 Account Set Up Fee; $7 Monthly Servicing Fee; And the following Debits: $48 Annual Fee; $1.59 Premier Credit Protection @ .890 per $100.

I usually pay my bills on time and I had just gotten the mail from the mailman . Shortly after I recieved a call from First Premier Bank letting me know that they had sent my account to inhouse collections for exceeding my credit limit. I never went over my limit from the statements they sent me .When I tried txplaing to them that I do not agree with them they said the reason why it was over my credit limit is because the fact that The annual fee is ccoming up and that was for 48.00 which wasnt on my statement so why should I be penalized for going over my credit limit when I didnt. So, it has been sent to collections for that mis infomation given on my statement. The employee I spoke to id # EDH1 was very rude and ignorant and didnt know haw to do her job. She had thrown me some major attitude as if I was her child. So, she demanded that I give her my bank account # so that she can collect the payment and that I would be charged another 11.00 fee for phone payments which I refused and I told her that I am sending a check for my payment asap and what I got was even more rudeness from her. She even hung up on me. can you believe their employees.Its bad enough that the rip you off every chance that the can get by charging you these small amounts added to my actual balance. Theres a limit payment of 25.00 that I am to make everytime they send out my bill ,but what I normally do is pay the total amount off and they still dare to demand full payment.My goodness. For those of you who is thinking of getting a credit card with them I suggest that you look else where its not worth it at all.Its more scams on top of more scams.

I usually pay my bills on time and I had just gotten the mail from the mailman . Shortly after I recieved a call from First Premier Bank letting me know that they had sent my account to inhouse collections for exceeding my credit limit. I never went over my limit from the statements they sent me .When I tried txplaing to them that I do not agree with them they said the reason why it was over my credit limit is because the fact that The annual fee is ccoming up and that was for 48.00 which wasnt on my statement so why should I be penalized for going over my credit limit when I didnt.

So, it has been sent to collections for that mis infomation given on my statement. The employee I spoke to was very rude and ignorant and didnt know haw to do her job. She had thrown me some major attitude as if I was her child. So, she demanded that I give her my bank account # so that she can collect the payment and that I would be charged another 11.00 fee for phone payments which I refused and I told her that I am sending a check for my payment asap and what I got was even more rudeness from her.

She even hung up on me. can you believe their employees.Its bad enough that the rip you off every chance that the can get by charging you these small amounts added to my actual balance. Theres a limit payment of 25.00 that I am to make everytime they send out my bill ,but what I normally do is pay the total amount off and they still dare to demand full payment.My goodness. For those of you who is thinking of getting a credit card with them I suggest that you look else where its not worth it at all.

They have my bank account # from all the previous checks that I had written to pay my bill. I hope that they dont take it upon themselves to charge my account with out me allowing them to do so. Im really worried after the employee said they have my checking account number from previous check. what shoul I do ?

I actually have two First Premier Bank credit cards. I had HORRIBLE credit and couldn't get anyone to give me any kind of credit card that wasn't prepaid. I started searching online for "credit cards for bad credit" and found a page with the 10 best credit cards for people with not so good credit. I applied for the First Premier Bank card and was approved. I read all the terms, and didn't mind at all that half the balance was already used in fees because I wouldn't have been able to get a credit card otherwise unless I paid a deposit of 100% of the credit limit first(which I couldn't afford).

I've had that card for about a year now, and they sent me a second in the mail with a higher credit limit which I have been using as well. My credit score has gone up DRAMATICALLY! And the monthly payments being so low, and the credit limits themselves being so low has helped me to keep from getting in over my head with credit debt, while raising my credit score. I haven't had any problems with fees or any problems at all for that matter on either of the cards. I really don't believe that this bank is scamming people, they are a bank that has credit cards available for people with not so good credit. If you don't have good credit you can't just expect a bank to hand you a completely unsecured credit card. It's taken some time, but because of First Premier Bank I now have a decent credit score and it's continuing to go up.

When exactly am i going to get my monies worth if even they wont give me a credit increase. when i called to ask about this they said it would help if i paid off the card and had a zero balance. but i would still have to pay the $18 a month to have the card. at what point are they just taking advantage of people who are just trying to increase their credit score? it honestly feels like they are just taking my money and not doing anything for me. i would never recommend anyone get a first premier credit card.

same as everyone above, I have a 720 credit score and received $250 as a credit limit and fees of $179 as soon as I got the card. I have called to report it stollen/lost and then tried to cancel it, they then told me because they activated it they could knock off $80.00. I told them this is a SCAM and I'm going to report them the guy "David" kept going on and on

I had applied for thier credit card, being disabled wanted to start building some credit. Guess i did not look at it close enough, gave me a $250 credit limet, but took over half in start up fees. Anyway I used the card for awhile then fees and charges started showing up, called but couldnt get right ansewers. Charged me for stuff in rewards program i never got. kept sending payments but balance never went down, just went up, so why should i send payments until someone helps me streighten this out. my credit is being hurt because of this company.

In March 2008, I decided to voluntarily close this credit card. I sent them a final check, by certified mail,marking it, paid in full to close account. A check in the amount of $200 was sent on 6/6/08. I called customer service when I received a bill the following month. I told them the account was closed. They said no it wasn't. I said it was and that I would not make any further payments. My credit limit was $200, yet start fees, etc. came to $170+. A scam!

Then the collection calls started, sometimes 3 in a day. I did speak to one individual about the account, saying again that was I was being asked to pay were fees. The reply was Well what about your credit rating? This will be reported and will have an adverse effect. This to me was EXTORTION, i.e., pay the bill or we'll ruin your credit rating.

Had a First Premier credit card for 1.5 to 2 years. Never missed a payment. Was never late in paying. End of 2008, I was laid off. Continued paying min payments on the card until First Premier charged the card a yearly fee, which took the card over the limit. Of course they then charged an over limit fee. These charges plus their usual mystery fees took the amount owed immediately beyond my ability to pay. They called the day the card went over the limit. I told them I had been laid off and why I wasn't going to be able to pay more than the $20 per month I had been paying. They didn't seem to be satisfied with this answer, wanting the entire amount owed and have been calling my phone number ever since as many as 14 times per day. I can't turn the phone off for fear of missing a job call. I have tried to ask First Premier to discontinue their harassing phone calls but they refuse.

Being laid off and being without income is a stressful situation in itself. Being harassed by this credit card company which clearly follows no moral or ethical business practice, is only adding to the problem.

I'm over it already! These people call at least 20-30 times per day. I'm having financial problems just like everyone else. I've explained and am trying to stay ahead. But they are relentless, rude and their fee's are ridiculous! I feel like they owe me now, with their calling and harrassing phone calls. I have asked them to stop calling me at my place of employment and they just keep on doing it. I know I have a bill to pay, they just need to get in line. How do I get them to stop?

They continue to add fee. I purchased $225. The bill is now over $400 with their added fees and charges. It's absolutely exhausting and mentally abusive.

I received an ad in the mail for a 0% credit card last year and decided to give them a call. About two weeks later, I got my card in the mail. To my astonishment, my credit limit was $250.00 and I already owed them $175.00 in fees. I immediately called to cancel the card and try to avoid these fees but they refused to cancel it. I ended up spending the remaining $75.00 balance over the next week or two and have regretted it ever since.

I paid the entire balance of the card in January and asked that the card be closed. The woman that I talked to told me that I would no longer owe them anymore money and the card would be canceled. Here it is, not even April and I am getting calls telling me that I'm over my limit and asking for a payment. To make a long story short, I have spent $75.00, paid $250.00 and now apparently I still owe them over $300.00. I really need help dealing with these people. I will be contacting the South Dakota Attorney Generals office today.

Three months in a row i did a payment by phone. Amazingly the $ was taken out of the account i used but they say they never recieved any of the payments.THIS BANK & CARD SERVICE [is bad]! Don't fall into the trap they are not trying to help you.

Constant harassment- Excessive charges, i.e. Annual fees, monthly fees, over the limit fees caused by previous two listings. Constant ]as many as 7 calls per day]harassment requesting immediate payments before You receive a statement or have any knowledge that above charges have been assessed. Calls as late as 9.P.m.

I,M sure the economic damage is unlawful, excessive fees. The emotional damage is far worse. being harassed 7 times a day is uncalled for.

Over a span of 2 weeks, I received a minimum of 20 phone calls per day (EVERY DAY), starting before 8am, and ending after 9pm from this company, but they never left a message. Yesterday, they finally left a message. I opened the statement I had just received from them and returned their call. They had just billed an annual fee to my card, and then added an overlimit fee because of it. I cancelled the card during the call, and the idiot I spoke to was still trying to charge the annual fee, although it is a fee for using the card starting in April. We went round and round. I will have to wait until I get another statement from them to see if the issue resolved. On a positive note, the calls from them stopped immediately.

I applied the First Premier bank Credit card and I received that two days ago. And there has really strange fee. I just got new credit card and card limit is $300. But they charged $180.59 about program fee, account set-up fee, monthly sevicing fee, and annual fee. so available credit is only $119. When I applied this card, any paper didn't say about those charge. SO I tried to call customer service but electric voice just came out, and that machine said my credit card is not valid number. and i coulnd't find their e-mail address also. this is totally deception! I don't want to pay those money and i want to close the account. What can I to do? Please HELP!!!!

I have issued an Identity Theft Fraud Alert and filed a police report. A credit card was approved on 2/26/09 to suspect using my name, SSN, DOB. They did not use my address but are using Nashville TN 37216 and phone #615. This is not nor has it ever been my address or phone number. I have filed a police report, a Identity theft fraud alert with Experian, Equifax and Transunion and notified First premier fraud has been committed, to cancel credit card and close accout and to turn over to the Fraud Department for Investigation.

This remains to be seen as of this date. I am trying to dispute information on my credit report, incorrect addresses, credit inquiries from numberous banks and stores.

Received offer for credit card when my credit reports are blocked to stop this type of offer.

I issued a stop payment with my bank for the secure deposit I arranged. I decided I did not want the secure line of credit with them after reading all of the fraudulent activity. I filled out a complaint form on 2-26-09 with this agency. Today, I found out that First Premier put the 200.00 through my account as a blank numbered check. My bank it trying to return it as fraudulent.

200.00 taken from my checking account.

Apparently this is a credit card for people with credit problems. It costs $7/month. I'm helping my step-daughter and planned to pay on this card online. I was amazed to discover they charge $7 each time you pay them online! I have a variety of credit cards and don't get charged when I pay online - in fact they encourage it. I suspect this is another example of a predatory bank targeting the poor. Yes you can pay by check, but you run the risk of the bank claiming your payment arrived late and assessing a late fee

I applied online for a secure credit card to help improve my credit rating on 2/25/09. I filled in the space for a 200.00 check to open the account. However, once I completed the application, I did not receive notification within 60 seconds as the website promised. I researched the company online and noticed that there were several sites that indicated fraudulent activity for the company. I tried to call the toll free number above that was listed for cancelling my credit card application prior to approval and there was no option to speak to an individual. I tried all of the other toll free numbers that were listed on all of First Premier websites with the same result. I called my bank to issue a stop payment on the check as I was unable to cancel the application through the means that First Premier offered on their website.

25.00 to my bank to stop payment on the check, which has not cleared my account yet (2/26/09)

I canceled my credit card 12-29-2008, due to high rates and improper billing procedures. On Febuary 18th 2009 I started recieving 20 to 30 calls a day about a balance of $44.00 dollars. When I closed in Dec. 2008, I made sure that I paid off entire balance I owed, and cut the card up. I called and spoke with three different people, and the first two just wanted to argue, and not let me try and explain the situation. I asked to talk with a supervisor who came on the phone and told me that he does not know what is going on and stated he will credit the account, that was Friday Feb. 20th.

Right after I assumed this problem was corrected, I started getting 20 to 30 calls a day again. I do not trust them, I do not owe them anything, but I'm concerned that they will ruin my credit history and I want something done about this issue. I have gotten on line and I have read several complaints about this bank. I am going to keep this complaint of file in my computer and I will flood this website every day if I need to. With all the turmoil going on with the banks and the economy to allow this corrupt institution to remain hurting the average american is criminal

I dont trust that they will do what they say. I'm worried about my credit rating because of this.

I had my accounts with them for 5 going on 6 years. I was using them to rebuild my credit. The fees sucked but I really just wanted to have some sort of credit line. For the first time I fell behind a couple of months ago because they decided to panic and lower a bunch of customers credit limits and unfortunately that sent me into a tail spin. I had more charged on the card than they were allowing for my new credit limit. I called them right away and explained what happened. They could care less.

Long story shorter...they ended up closing my accounts after I was already placed in their temporary payment program; called me 20+ times a day, and just plain harrassed me. I was finally able to pay them off a couple weeks ago but here is where they REALLY get me. I spoke with a gal who advised me I could either pay by phone the following tuesday when I had the money or I could submit payment through my bank.

No problem right? WRONG! I chose to send them electronic payment and the same day they were notified of a pending payment they debited my same checking account for a phone authorized payment. Funny! I didn't call them to do that!!!!! I have called and asked for a refund. 30-60 days they tell me. That is 476.84 of my money they are holding hostage and none of them are nice about it. That's what I said isn't it?

CREDIT SCORE DIPPED ALMOST 100 POINTS; UNABLE TO PAY OFF SOME OTHER DEBT AS I HAVE TO WAIT FOR MY $476.84; IF I EVER SEE IT AGAIN.

I had the card for 3 years. never late, always paid more than mim balance. I recently ran into hard times. I called them finally because they said they wanted to work out a plan. so, I called. worked out a plan. now, i just recently checked my credit report and discovered that they closed my account. ok, no where in my conversation with the young lady did she mention that my account had been closed. I have paid them accordingly, above the mim and for 3 months I run into financial difficulty the only time i tose 3 years and they close my account and dont even tell me. can they do that?

I was told a number of times that i would be able to have access to my credit card on the 15th of feb but i tried accessing my account after already waiting almost a month and still cant use my credit card!

I am broke right now and need to use that card to pay bills.

I closed mu account out on January 15th. I had a Zero balance. First Premier then deducted $20.00 from my checking account on 2/1. When i called to address the matter, I was told the money would be electronically refunded in 2-3 business days. I called after a week of no refund. I was then told that the money was being mailed to me in a check form in 30-60 days.

Bounced my mortgage payment. I am also on disability w an achilles tendon rupture. I will be disabled for another 6-7 weeks. $20.00 would go a long way at this time.

My credit card info was breached by Verizon Wireless and charged totalling 300.00 were put on my cc. They want to take 90 days to return the funds to my card.

CREDIT SCORE LOWERED, EMOTIONAL STRESS INABILITY TO ACCESS FUNDS SINCE NOVEMBER 4, 2008

My boyfriend had an account. He asked for an increase in in his limit and they sent him another card. with more fees. they called 5 times a day to collect the service fee. per card. i told him to pay it off and close the cards. We did. we had used the card to place a deposit on the hotel and had closed the card after. Treasure island refunded the intire stay back to this closed card and First Premiere bank refuses to give us the refund.

They have around 500 of our money and they refuse to give it back. The service fee's are fraudulent and the policy of the bank is criminal. Please avoid these people.

I applied for a credit card through First Premier Bank and didn't realize all of the hidden fees. I used the card once or twice then I payed the balance then closed the account. They are still are charging me $347.00, even though the account has been closed for 2 years.

Bad strikes 9on my credit score.

I was new to the country when I got suckered into this credit card. The card has a bunch of fees on it when you get it. I made a mistake of paying one of my bills on it (in hard economic times) and I am still paying for it. I forgot to make a payment one time and I remembered on the day it was due and they wanted to charge me 11 bucks for making a payment over the phone on top of my payment. I was charged 7 bucks extra for paying online. ****; fees with everything.

Who charges its customers for making a payment for giving them money. I am transferring the balance as soon as my payment posts and than closing this ****** stupid ****** up card! PLEASE EVERYONE BEWARE AND DO NOT GET A CARD FROM THEM.

Back during the Spring of 2008, I received a spam email from First Premier Bank saying that I was preapproved for a credit card. I signed up for the card and had a $300 credit limit, however, after I received the card, I only had a credit limit of $75 due to numerous fees. I used the card a few times and then forgot about it. In the summer of 2008, I was diagnosed with schizophrenia and mixed bipolar disorder and was forced to file for social security disability. I tried multiple times to explain to First Premier that I was unemployed and disabled and that I had signed up for social security. Everyday my phone would ring an average of 15 times from calls by First Premier.

Finally, I got tired of the phone calls and had my # changed to an unlisted number. I lived in peace until tonight January 19, 2009- the phone rang from a number listed as Spearfish, South Dakota- I answered the phone thinking it was a call from social security or something. The woman on the phone would not tell me who she was but kept asking if I was Esko and then began asking about if I was working. Still not knowing who I was talking too, I explained to her that I am disabled having been diagnosed with schizophrenia and bipolar disorder. That's when she FINALLY told me that she was calling from First Premier Bank!! I was dumbfounded as to how they got my number as NO ONE has it besides my family and doctor's office!!

I then explained to the rude woman that I have sent numerous letter stating that I am disabled but they ignored each letter. She then went on to harass me and that's when I hung up on her. It is 8:35pm and since that phone call, they have called 2 additional times!! I am at a loss for how they got my phone number! Now I am going to have to live in hell again with my phone ringing at all hours of the day and night. I told her that I would be glad to pay them once my disability is approved but she kept harassing me asking if I had someone to pay the card for me- the odd thing is that I signed up for disability protection- if I became disabled then the card would be paid off- First Premier has ignored this minor detail! Be forewarned, DO NOT sign up for a First Premier card, it will be one of the worst mistakes you make!

Received 2 pre-approved platinum master cards from this bank in 2 consecutive days. I did not request these cards. The name is already on the card and the first name on each card is spelled incorrectly. Each card has a different master card number on it. When I called to OPT-OUT the service had my address listed [incorrectly]. They wanted my Social Security Number & I could proceed w/ the OPT-OUT process. I did not give out my SSN.

I am fearful that these pre-approved cards with a similar name are being sent to [wrong address]. Both addresses are in the same postal zone. Please Advise on how I can OPT-OUT and how I can confirm that I have not been targeted for identify theft. Thankyou

i got this card affore by mail and think this company need putting out of bussiness due to the following. credit limit $250.00 program fee -$90.00 acount set fee -$29.00 annual fee-$48.00 monthly servicing fee -$7.00 available credit on first statement $71.00 optional additional card fee -$20.00 available credit on card left $51.00 as you can see this is a ripoff, i wish i could sue them for $100 million dollars to but them in there place.

I cancelled their credit card protection and they have been charging once sometimes twice a month 19.95 and have been charging for over a year since I cancelled, they said there billing department never stopped charging my account and the information must have gotten lost, so I told them thats not my fault that they didn't do their job,so when I brought it to their attention that they were billing me,and they knew that they made a mistake, they were suppose to put over a years worth of charges back into my account and they didn't, they told me that I have to fill this form out for each individual charge and mail it in so I did that and all they credited back to my account was 19.95 so I called them and asked them what is the problem now that you didn't put the correct amount back in my account, they said they would send me a nother form to fill out and I said for what you charged me when you weren't suppose to and also it affected the over the limit charge that I had to pay because your charge took me over the limit so they caused me to be over the limit , I told them I not only want the billing charge refunded, I also want all of the over the limit charges refunded.

The bottom line is they have been charging me and I have been paying and now I want my due refund. My next step is to hire an Attourney because this have been going on for over 8 months and I'm tired of playing their cat and mouse game. They were wrong and I'm seeking JUSTICE, they should be charged crimanally, I'm just trying to be fare and give them the opportunity to do whats right, I didn't do anything wrong, they did and they are hoping I give up because of all this paper work that they want me to do.

my former employee recieves a First Premier Bank Master Card unopened, unsealed envelope. I must worry about this. So, I'm getting leave a message recordings. The 2nd number recording wants my SSN, which I didn't, but it's all you can do. Finally get a Maurine, that insists a ref number. Gives the bogus 888 number that only wants a SSN, I get angry, and she gives me a worthless 3rd number that doesn't work, nor using my cell phone number. Aside the most outrageous fee's, additional fee's. Aside the wire fraud, also unsealed envelope violating the privacy of my mail, for 25 dollars you can get card express mail, 2 day priority mail, when there is no such thing. Mail fraud.

I am stressed and worried of identity theft, yet alone, their activating the card, and driving me nuts as this ruined my Christmas eve getting this unsealed letter that other's had access, and bogus number, and NO number way to contact First Premier Bank to make sure it is not activated. Do not know what to do. Wire fraud as far as a bogus customer relations number I was given. Privacy violations and mail fraud, also, when you can't really talk to someone 24/7 and make sure no one activates the card. Consumer Report should not allow them to advertise.

I applied for a card from First Premiere Bank around December 8th, 2008 without doing much research or paying attention to the fees I was being charged other than the APR. But after receiving the card in the mail and seeing all of the fees that have accumulated in the short time it took for them to print and deliver it ($180.59 worth), I set aside the time to look up some of the consumer reviews regarding this credit lender and let me tell ya, they ALL were terrible/horrid/bad.

So without hesitation, I called thier 800 number and cancelled the card before I used it once. Of course they tried thier best to keep me on board with them and even tried to have thier account specialist sweet talk me into reniging. But even after her brilliant offer of giving me a $50 discount on the $180.59 worth of fees, I laughed at her delivery but told her I respected the fact that she was only doing her job and that my mind was already made up. I wanted to cancel the card. My so-called account was reset to $0.00 and the card is in the trash. I'm soooo glad I surfed the web for some consumer reviews before I used this card. It saved me bigtime. Applicant bewarned.

I received a credit card from First Premier Bank, when I got the card in the mail I called them right away and told them I didnt want it because of all the fees, so the woamn took $50.00 off. I had this card less then a week and I received over 5 bills requesting my first payment was dues in less then 15 days. I sent the payment in 12 days before it was due and I added an extra 25.00 instead of the min payment.

Its been 14 days and the payment still has NOT shown UP and I have called every day for the past week asking if my payment was there yet, and they keep saying No, and that Now it is late, and they told me that I need to make an over the phone payment now or I will be charged a late charge and reported as late. And payment over the phone is $7.00 FEE and she said once I make this payment and if the ck shows up they will cash it. Sorry this is a scam DONT DO IT they are praying on us folks that want to clean up our credit!

I got a collencetion letter from ARROW FINANICAL SERVICES Original Creditor; First Premier Bankcard, Inc

I didn't appled for this card on April 20.2006 as the company told me. My id has been stoleing twice already

As others, I was sent a card and activated it thinking I would be improving my credit. It was a $250.00 credit limit supposedly, I was only able to use $71.00 on it and the rest was in fees. They immediately started harrassing me, I paid the monthly fee, but it began to double and triple, etc. They are STILL harrassing me and my family. I find it hard to believe that they are able to get away with this with all of us scammed. I don't mind paying off what I spent but the other fees are wrong. Good luck to us all!

It has lowered my credit score which effects EVERYTHING!

After receiving an offer from another credit card company (CreditOne Bank), I decided to do a web search. I was suspicious because there was no address to be found on the mailed offer. I found many unhappy comments.

After filing Chapter 7, the only card I have is from First Premier Bank, who extended me a few hundred dollars which was okay; I started out my original credit file decades ago with the same. I travel and need the security and ability to rent cars with a credit card.

Anyway, I did not appreciate the upfront charges I had to pay but I felt it was worth it to rebuild my credit file again. They are reporting to credit agencies as they promised they would and I am on my way to rebuilding my once outstanding score.

This is value to me that I would not have received otherwise. $7 a month is what I pay for their assistance-the way I look at it!

PS: I pay online through my bank and they don't charge me any fee- as someone stated.

So my story is unusual. I am happy with the outcome from this institution so this may not get published, right? BTW, I just got off the phone with a real, clearly-English-speaking person because I also read that others were having trouble getting through to a live voice (customer service) and I witnessed just that pleasure- a real live (pleasant) voice!

I applied for a credit card and received a card with a $300 credit limit. The problem is when the card arrived, it was attached (and still is) to a paper stating I had been charged $179 in initial fees. That left me with available credit of $121 and a statement for $25 a month. I think this is a scam and not very moral or ethical to do to people in this economy.

I was sent an e-mail from First Premier Bank that said: "Apply for First Premier Bank Credit Card....find out what your credit limit could be"

Well, this was NOT the case with this situation. First, when I chose to see my credit limit, a message appeared that alerted me that my card would be arriving in a few weeks and did not say anything about a credit limit. Unfortunately, I was naive and assumed I could tear up the card when is arrived and decline its activation. Of course, when the card did arrive, it was already activated with a credit limit of a whopping $275.00, of which only $29.00 was available for use--the rest had been designated to pay numerous crazy fees. This package also contained a bill for $25--the first payment for this card--a card I had never used, activated, or even agreed to. Something should be done about this!

I paid my credit card payment for the month of november by check via mail on the 1st I had the post office post date my envelope for the 1st just to make sure it gets there on time. Well it didn't get there on time they received the payment 2 weeks later.

So after they received payment they began calling stating my payment was late and I owe a $25 late fee. I told the representative I sent that payment out on the first with a personal check dated for the 1st and had the post office post date the letter for the first so there's no way my payment was late if so i'm not at fault it's the postal services fault so basically they want me to pay a $25 late fee which I think is not fair after endless arguing with them i'm getting no were so I hope that you guys can help.

Okay so now I am back and writing AGAIN about yet another FUN (not) experience with these scamming bastards. So I stupidly set up arrangements AGAIN (last time in March, when I got*******) this time in July, I was told I could make 6 payments of $79.00 and some change and that then my balance would be completely paid and I could then close my account. I asked this woman three times "Are you sure this is the full amount, this is ALL that I have to pay?" (I asked many times because the last liar that I set up arrangements with said the same thing) she said "yes, and then the last payment clears I will issue a credit for the remaining $75.00 and close your account" my last payment went through on October 31st.......

.WELL GUESS WHAT I got a call on Friday from some psycho witch telling me that I still owe $131.00 for fees that the representative could not have known I would be charged at the time that I set up the arrangements........hmmmmm, how F*&%ING convenient. This is now the second time that I have paid these people for nothing but fees and charges and BS, I haven't charged anything in like a year and half my card expired in 2007 soemtime, yet I have paid about $600.00 FOR NOTHING.....

RUN, RUN, RUN if you are contemplating getting this card RUN and don't look back SCREW these scamming bastards. My hands are tied and I feel like a total fool. Anyone want to contact me about this feel free ***********************.

I used Google's autofill: to enter my name on an inquiry form emailed to me. OUT OF SIGHT, further down the page, it asked for my SSN and email address, which autofill dutifully had filled in. The gaff is that it says that by merely typing email address, whether I cancelled, erased or exited the webpage, I was giving consent to First premier to DISTRIBUTE either or both. I NEVER give out my SSN, and this business practice should be a FEDERAl crime. It is niether opt-in, nor opt-out, it is irreversible and contributes directly to Identity Theft.

My SSN and email address were added to First Premairs database of personal information which they admit they resell, right in their privacy statement. I also creates an inquiry t my my creditworthiness, which by itself has damaged my creditworthiness.

Arrow collections bought a cancelled credit card from First Premiere bank. Arrow collection states that i owe them over 600$ with high interest accumalating. I owe First Premiere bak not Arrow collections. I am being harrasssed and threatened to be sued. To make things worse, First revenue is trying to collect the same debt. I need arrow Collections to dismiss this case and remove it from my credit report.

Credit score is down due to Arrow collections scam. Economically, they are ruining my credit even worse than it is.

I did apply for a card, and received it about a week ago. The letter says there is no need to activate it because it is already activated. On the card I received with the letter it says If you have not already done so, to activate this Credit Account,you must make a purchase or cash advance within 75 days of the initial Statement Closing Date.

Needless to say, I never activated this card. I have tryed to contact this company, but with no human voice, just the recording asking me to give my account number. Doing so, I believe would make me an account holder.

The letter also said that I would receive my first monthly bill of $25, which I received 2 days ago. I am at a loss and don't know what to do.

Like most people looking to repair their credit, I needed a credit card to help repair my history. I applied to First Premier Bank for an unsecured credit card in 2006. I was given a mere 250.00 limit. I made my payments and rarely used the card, hence the low credit limit. I believe overall I have paid more in fees than I've actually spent.

They charge you their annual fees, maintainece fees and online acess fees. It adds up to well over 100.00 dollars a year. I am currently purchasing a house and need to show that my current credit cards are paid up to date. I have a 0.00 balance with First Premier Bank. I am set to close next month so I need an up to date statement showing my name and adress with balance.

First Premier Bank has no access to historical bank statements even though I pay a monthly fee! I called them and asked for a formal letter to be faxed to mortgage lender showing current 0.00 balance. They replied that they could not since it is not in their policy. I told them FACTUALY that the determination of the loan resides on showing a 0..00 balance on the account, yet they still would not comply. If the loan actually does go through, the very next day I will be canceling First Premier Bank credit card.

Ironically, Consumer Reports Magazine has rated First Premier Credit Card as THE WORST credit card. Since I have been with First Premier Bank since '06, I requested a credit limit inrease from my 250.00 limit in September of this year. They denied me and managed to tack on a credit increase inquiry fee. This is very curious seeing that I have several major credit cards well over 1000.00 limit. I believe they should actually be brought up on attemted robbery charges. I just feel bad for all of the naive people who may go through a similar experience.

the credit card came and I thought that it would have a 300 dollar limit but once I used it, there were 170 dollars in others automatically charged to the card not of my doing. After the first year I was going to cancel the card but I had about 30 days they said to pay the balance off in fully so I opted to not close and then 75 dollars were charged and annual feel.

I recieved an application for a credit card from First Premiere Bank to help repair my credit score.Upon receiving this card, There was a limit of $300. I was also charged a total of $179 for setup fees and ohter expenses that the company said was required for me to get the card. These cgarges were hidden fees and were not stated by the person that i talked to. The company misrepresented themselves and in returv , I got burnt in the Deal. They contiued to add charges after I cancelled my card. This is in violation of consumer rights.
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Now the account has been forwarded to a collection agency that harrasses me on a daily basis. Is there anyone that help represent me in filing a civil suit against First Premiere Bank and First Revenue Assurance Collection Agency? The economic impact is a decrease of my credit score and refussal of any more credit cards. The emotional impact is constant harrassment by FirstRevenue Assurance collection Agency.

I had received a phone call in regards to my account being past due. I had asked if i can make a minimum payment and I was told NO Clearly twice. I was told that i had to pay off the full balance and she offered me a 30$ credit if i made the payment. I made it clear that I lost my full time job and am now a full time college student and am not making enough a week to clear that payment. Still I was told i have to pay in full. I agreed believing the representative's statement and setup the payment.

The day of, had the money in my account and something else hit leaving me with in sufficient funds twice. I found the statement which is due the 10th showing my minimum payment due is $71.69. I called and spoke with Candice but everytime I asked about this, she kept repeating myself telling my i shouldn't have agreed to it. I responded by informing her that their staff shouldn't give me false information and pressure me to make a payment.

I don't like to complain about anyone but these 2 representatives I spoke with made my life really difficult and don't feel that is right what they did. 3 - $34.00 dollar charges to my checking account regarding non-sufficient funds. Would have paid the minimum and avoided all this mess if made aware by rep who contacted me.

I was approved for a credit limit of 300 dollars and there were 179 dollars worth of start up fees. That leaves me 121 dollars worth of credit available. There are also charges that continue after the first bill for set up and an additional charge for online billing. I called and cancelled the card without having to pay them any balance.

I think they should be reviewed because they are purposely targeting folks with poor credit. People that might not have the ability to just tear this card up. It seems like an unfair business practice, consumers be warned.

I've had the First Premier MasterCard since November 2007. I've always paid the card very diligently before the due date, I've paid off the entire balance and have overpaid and had credit. I had not used the card in about 3 mos. and last month (August) I thought I sent in the payment, but I did not realize that I hadn't.

They called me on a Sunday night one month after the missed payment and asked for the entire balance. They charged late fee and the annual fee and which caused the card to go over the limit. At the time I had a $90 line of credit and once they applied late charge and the annual charge it sent the card over the limit and they quickly reported it on my credit report.

I have been a very good customer, always paying on time, paying more than what is due and I rarely used the card, it only has a $275 credit limit. I was shocked and surprised that no one called me sooner to ask about my payment. If they cared about me as a customer and saw from my billing record that I have never missed on been late since I got the card.

It seems as though good banking practices would have kicked in somewhere, but instead they just slammed me with the fees and reported it on my credit report as over the limit. I have not used the card in over 3 mos. It's over the limit now and I have not bought a damn thing to get it there. I will be closing this as soon as I pay it off.

I got a phone message. I could not understand which bank card was calling me. I returned the call and I kept getting a message asking me to enter my social security number, which of course I wasn't going to do. I finally got thru to a real person, who again asked for my social security number.

They could give me no information using my name so I refused and then looked them up on the internet and this is one of the options I found. I wasn't willing to give out my social security number

I applied for a credit card - it came in the mail today along with a separate evelope from them which enclosed a bill for $180.59. I called to explain that I did not want a credit card that required me to pay before I even used it they offered to credit me only $40, but told me I was required to pay the remainder of the bill.

I did however see a disclaimer on the Contrct that states the following: Effective Date: This Contract is effective upon the earlier of (A) the first purchase mde or cash advance taken on your Credit Account and (b) the expiration of 30 days from teh date we issue the Card to you. You are not obligated to pay any fee or Finance Carge until this Contrct is effective.

The Charges breakdown on my statement dated 9/16/08 are as follows: 9/12 Program Fee Finance Charge $95 Accoutn Set up Fee Fiance Charge $29 Monthly Servicing Fee Fin Charge $7 Annual Fee 10/08 through 9/09 $49 Premier Credit Protection at $890 [per $100 $1.59 Totalling $180.59.

Finance charges and annual fee charges totalling $180.59

i applied for a credit card with this company and was told i was approved with no further explanation. i received the card with a $300.00 limit. they billed me along with the card for $179 in initial fees. i have called their toll free number repeatedly and the customer service prompt does not allow you to speak with anyone. i have no way of cancelling the card and do not want to do business with such a company. i would never pay $179 for an initial fee. i have great credit and thought this was a reputable company.

a fee of $179.00 that i should not have incurred that will be jeopardizing my credit score

I scheduled a payment to my credit card on September 5 for $100. On September 10 I made another payment for $100. According to my bank institution both payments were successful and they gave me the trace numbers. However, my credit card company only posted the September 10 payment for $100.

I have been trying to communicate with them to no avail. No one answers the phones, all I get is a machine. I've been on the phone waiting for customer service for more than 20 minutes. All I want is my money credited to my account as it should have been.

This credit card charges for payment over the phone and online payments. On thursday september 11, 2008, I received a phone call staying that since I was late for the first time in my history with them, I needed it to pay the complete balance over the phone. They were trying to force me to pay over the phone even when my payment is due on September 30th. The representative told me I had no other choice because my payment was late. I ask to speak to the manager Kim and to the representative Connie who was very demanding and told me all my rights were gone because of a first time late payment.

I have to pay over the phone $50.00 plus the $11.00 they charged. My account is delinquent and they report me already to the credit bureau not giving me a second chance. I am currently unemployed and its been difficult to make my payments yet I always try to make the minimal payments due with them. The extra charges made to my credit were unnecessary.

I lost my job and was behind on my payments by 2 months. I called and told them I would send some money but they would not accept it. I was about to have my home foreclosed on and I was having trouble to pay my utilities. My phone was cut off so they could not reach me. I did receive a call from Breann telling me that I had until 3pm Central time (4pm EST) on 8-31 to call them or my account would be charged off on my credit.

I called them at 3:50pm Central time (before the deadline on my message). I advised them that I could pay $100 if I borrowed it from something today. They would only accept the payment if I sent it Western Union. I advised I did not have a Western Union near me. She then kept me on the phone saying that she was looking for a Western Union in my area. At 3pm central time she said oh well I don't see any Western Unions in your area and it's past the time so you are charged off as of now I told her that I had called before the deadline and that was not fair. She then said It's not fair to us that you can't pay your bills on time and that you waited to the last minute to call us, Your account is now Charged off then she hung up on me.

This results in me have a charge off on my credit (as if my credit wasn't already hurtig). I feel that they were determined to charge off the account no matter when I called. Yes I was behind and I had contacted them about it before. I was trying to make a small payment but they would not allow me to. They did this on purpose to cause me pain. Also, there was so much laughing and talking in the background I had to ask her three time what she said. When I told her I could not hear for the noise behind her, she said sorry, but that's not your problem.

I applied on line for a low intrest credit card I did not see it was a credit card at the cost of $179 for $300 credit before the outrageous fee. IT only said see in 60 seconds if you qualify. Is there a law that protects me to return within 3 days to cancel contract? the card comes pre activated already. I have signed nothing and not used the card I just got the card with details yesterday (August 29, 2008)

I recieved in the mail today a credit card. I did NOT apply for this credit card and it was/is NOT only an offer. It states on it that this card is fully activated and I will recieve a bill in 7-10 days to make my minimum payment (of $25) against the $179 in fees that have already been charged on it. Someone told me that my bank must have sold them my information. I'm not sure how valid this is, but no matter how they got it, to send out an already activated credit card to a person who didn't not apply for it is wrong.

What if that wasn't my current address or someone stole my mail out of my mailbox? Some stranger would now have this already activated credit card that I had NO CLUE existed, till i heard about it on my credit report! Not only that, but to send out this unsolicited card with fees on it and to make it MY RESPONSIBILITY to cancel it, to make sure I don't get charged for those fees! That is I may not get charged for those fees because according to the paperwork they sent with it: You may cancel your Credit Account at any time by notifying us by telephone or in writing. Even after your Credit Account is closed, you remain responsible for paying any amounts you owe on the Credit Account according to the terms of this Contract.

The phone number provided is only automated and no matter what i tried, i could not speak to a real person. The website provided allows me two options, enroll or login. I have no wish to enroll for a card and neither do i have a login. There is no other contact information provided on the website. The last option for contact provided is (in the paperwork when i got the card) a P.O. Box. 4 of them actually... 4 different ones! one on the top of the page, one for payments, one on the envelope and one on the back of the card. Who do I send the shredded card back to? I encourage anyone else having problems with this bank to contact: Federal Reserve Consumer Help.

I went on line just to check out things.trying to see what my credit report was, First Premier Bank came up. Iwanted to see if anything would happen. when 250.00 came up Itried to delete my name, then alive person came up and she asked me to wait a moment that she would reduce the interst rate.

Ishut down my computer, thought that was the end of it. but i recieved a letter in the mail about credit card protection, and two days later Ireceived acredit card. I tried to call them on 8/18/08 to find the number busy allday. Idon't want this card, that's why Ishut down my computer.

Asof yet nothing, but they wont pick the phone so that Ican tell them that i don'twant it. thecard is for 250.00 but the fees are 179.00

They take advantage of people with low credit scores and people with new credit. They are criminals, why does the government allow banks and credit card companies to take advantage of the uninformed or uneducated consumers. It's wrong and they all know it. The damage is they are making it almost impossible to pay them on time, with all the extra fees associated with the account. The credit line is only $250, however they find a way to get more and more money from me by attached all kinds of fees.

I had their Centenniel Card which was paid and maintained for nearly a year. Then the bank sent me a second "Gold" card. In June, 2008, I contacted the bank because there was a $50 phoned in payment by the bank to my checking account. I told them I had not authorized this and that the representative who called the week before had done this because he was angry that I was not making the payment when HE demanded. I guess he decided he would put it through anyway at any amount that didn't make it a felony.

This was done during a time when Michigan had power outages due to storms and every penny I had was going to keep my family fed and taken care of - evidently this guy didn't much care he had to wait an extra week before I made the payment. After taking $225 payments on both cards which I made such large payments because I was told the cards were open and I would be able to use the credit as soon as it went through - I found out I had been lied to and that the accounts are closed.

I have contacted their loss prevention department and told them that the payment was returned to my account along with the overdraft/returned check fee from FPB to my card but they refuse to acknowledge it. I sent them the paperwork they wanted and have been told that Loss Prevention received it, didn't receive it, is working on, call back next week, tomorrow, next month - these people have NO idea what is going on with any of the accounts. Its ridiculous.

First Premier locks you out of your payment options online and then charges you for being late. They take about half of the credit line in fees when you get the card so DON'T get one. I have been a customer for about 8 months and will never be one again. They have sent me another card with the same limit and are still taking half of the credit line to open the credit line even after "You have been a great customer" yeah paying all the excess fees. To get a mailing address to pay a bill if you happen to lose it is almost impossible. I emailed them and it took them 3 days to respond. They want to charge you when you pay over the phone, lets face TiMes are Tight right now, 10 dollars for a phone call is just right! I have already cut it up!

First Premier bank has reported 3 different things to my credit bureaus which has had a negative effect on 2 of them. In trying to contact them they do not have a valid e-mail address that you can use anywhere. I am currently in Kosovo in support of the US Army and do not have access to a phone, therefore I cannot contact them to have this resolved...

Economic consequences have been me paying a lot higher interest rates than I need to be paying and First Premier Bank has trashed my credit as well.

i have never been late and have actually had the card paid off. i didn't spend over my limit they charged me over my limit with there fees and i have to sit here and put up with harrasing phone calls at all hours of the day. then i pay what they say i need to pay to get the account at limit then there monthly fee kicks in and the bill isn't due yet but they start harrassing me for a payment again # WEEKS BEFORE THE BILL IS DUE

I applied for a credit card to try and re-establish my creit, when the card came it only had a 300.00 limit and the next day I recieved a bill for 179.00 and I have not even activeated the card!