Premier Bankcard

I tried for years to get my address changed however the bank would not accept it and is now telling me the only way to do this is to come in office (lived out of state at the time). The reason the address change is important is because for several years I did not use this bank after it went from Commercial Savings, to First Federal (obvious something's up to change that many times right?) then to Premier Bank. There was a mishap by a 3rd party company that withdraw money (money that wasn't there because I didn't bank with them any longer). As soon as the funds were denied, the 3rd party company contacted me, apologized and withdrew money from the correct Bank account (use Chase, much better bank).

I Paid this card early every month although the monthly amount due was their fee as I never used the card. They also include an annual fee making you pay double fees for being a card holder. Due to the increased annual fee and the monthly fee I would say this is not a good card to apply for.

So I finally received my card in the mail and I CAN'T USE IT. Every time I try to use it, it gets declined and when I call to see why it keeps getting declined, they tell me that they don't approve payments for that business and literally it's been EVERY SINGLE TIME. Worst company and credit card ever.

This company is the worst. My first experience getting this credit card they suspended my card because I made payments with two different cards in they have to verify in it take 5 to 7 days for them too. After paying 95 dollars in they took out 125.00 for fees they suspended it after having this card a month. I was renting car to go get my grandson the next week they did this. If I didn’t look on my app I wouldn’t find out about it. I was so mad. I paid them for them to suspended it because I paid on it with two debit cards of mine. I hope I don’t lose my 222.00 dollars of the rental car.

In September of 2022 I received a notice that HSBC was being purchased by Premier. I was told I would be sent a new Credit Card and I needed to do nothing, as my Credit Card of almost 4 years had been with HSBC. I received nothing but the new Credit Card and instructions to activate it. No updated TOU, no updated interest rate structure, just the card. But, when I did my usual Bi-monthly credit check I found that they had done a hard credit check on me on November 30, 2022. I did NOT apply for any credit, nor a credit limit increase from Premier. They just did it. I know it's only a few points, but that stays on my report for 2 years.

Premier Bank credit card has to be the WORST decision I've ever made! I pay all fees, the $95 "process fee" $6.50 month "yearly fee" processed monthly. I paid the $95 as soon as I received my card. *** I paid my 1st payment by ACH checking because it was the only free way to pay. THEY PUT A HOLD ON MY PAYMENT!! What company puts a HOLD on funds you're paying them with! Because of the hold of 6 to 20 days, of course, if I don't make another payment it will be considered "LATE"!! I guess so they can charge me a LATE FEE. I wasn't thrilled to pay all the fees in the first place but this is ridiculous!! Hold on the payment! Come on!!! I'm closing this account. I only got this damn card to improve my credit. Anyone who gets this card please BEWARE, read the types of payments that are subject to holds. There is more than 1 type of payment they place a 6 to 20 day hold on. So stupid on this bank's part!

I got a 200 dollar credit limit. Paid 95 dollars to get started... A month later card finally arrives. I can't even use the credit limit because it's been all used up with their fees owed already...in which they were suppose to waive first months fees since my card didn't make it in the mail until almost 30 days..so I closed my account. Told them to refund my money...and all they refunded me was .70 out of $95 and still charged me for the $50 annual fee and additional card holder that was added to my account that I didn't even add to my account as well which was $29....and then shorted me $15 that was left over from the $95 I spent to get it all started...

I had an HSBC credit card. My card was paid in full and a zero balance for roughly one year. In the summer of 2022 apparently, HSBC sold my account and info to the company. They mailed a card snail mail and it was stolen. This happened between August and September 2022. In September 2022 the card was used (in person) at a dozen or so stores outside the SF Bay Area. The creep thief was able to download Premier's app and change my contact info (email and phone). They began a spending spree. In two days racked up roughly 4600.00 in charges. The fraud alerts were going to the new email and phone which I didn't get.

This is a 100 percent Real Person and Review of First Premier Bank Credit Card. Since I'm not New to Credit and the System at all. Let me break it down to help out. If you never had a Credit Account or Choose not to build Credit or made some Mistakes and develop Bad Credit. They probably will approve you without a Security Deposit. But then you have to pay 95.00 upfront to access your available Credit. They bill your annual fee also. Mine was 125.00. That reduces your available Credit. So if you have 700.00 Limit it's really 575.00 available Credit. Then your Cash Advance is only 70.00 for the first 3 months. If you pay on time after then it Half of your Credit Limit. So mine was 350.00.

Hey, I had issues with my credit card. Well I always put all my credit cards on auto payment and for the past two months none of my payments for this card were made been one of the cards had a $8 dollars charge in the other card had a $30 charge. The bank did not notify me that my auto payment was off even though I had it on, due to the constant update of their site auto payment was turned off, and I was not notified about it being that I had two months of negative non-payment on those two accounts, and they submit it to the credit bureau and I had negative remarks on my credit. I tried to work this out, calling them and making sure if they could do anything to get that negative remark removed but they told me there was nothing they could do so I ended up canceling both of my cards with this bank so I would recommend everybody to not open any accounts. They are not willing to make their wrongs, right.