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Reviewed Nov. 19, 2023
This is the worst card to build your credit people. This is a warning. DO NOT GET THIS CARD. They will destroy your credit instead of rebuilding it. I call to make a payment. They never take it on time. When it makes you late then you have a late fee. Worst customer service in the world. Every payment I make it brings my credit down. When they bring your credit down it's not like 3 points they drop it 32 points or 40 points. Trust me if you want to rebuild your credit don't do it with this company. I would rather get Capital One to rebuild my credit. Save yourself from getting in a worse situation that you're already in.
Reviewed Oct. 29, 2023
I've worked so hard to get my credit up. And slowly but surely was getting there. Almost a year I got 23 collection off myself and went from 0 to 606. Was over the moon I was able to purchase a good vehicle. Just a couple more months I'd have it high enough to finally get into an apt or house. Not now. My credit dropped 60 and I'm livid. They don't have an email so I had to call and of course, they try to belittle you and try to make you feel stupid so I can never remember everything I need to say. Email I could. Ok had it 6 months.
At first no complaints. It was very expensive with the charges, which most of them I have no idea what they are. A couple purchases was removed but not the interest charges in my opinion I don't owe them at least $100. Possibly more if I sat down and figured All of the scripted details. Last couple months my card was locked. So no charge right? Apparently not. Hulu and Roku charged me 2 months over a misunderstanding we had. Regardless my card was locked. I finally get most of my money back. Checked my card. I had a few dollars I spent at store. Btw I didn't catch Hulu charges because my card was locked, didn't have reason to. Anyway I got bill I went over and have a $30 charge. I was not aware I could go over my limit and it was there when I swiped it. I'm kinda pissed but first major incident but there goes my perfect payment record on my credit.
This month I pay 30 and 60. Got messages the next day everything processed and new balance I was trying to get my balance down. I was proud of myself. I paid other bills and come to find it for some damn reason they didn't try to withdraw the payments until 4 days or so later. Omg really? Now it's gone because you said you got your money. Messing with them I keep getting nowhere. I going to figure it I bet anything I only owe $50 but I gotta keep paying these pp after I've already paid them and messed up my credit and payment history. I really trusted this company. My mistake.
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Reviewed Oct. 24, 2023
I started off with this card because I wanted to rebuild my credit and for other sentimental reasons. After the recession, I did not want to get involved with any credit cards, I was offered a 29% APR which was good, after a few years of consistent payments I noticed my monthly payment kept increasing. I called and was told my APR was 39% and if I wanted to challenge that APR % I would have to provide my initial offer letter, since I did not have it saved, I went along with the 39%. Then I began to notice missing payments and I am deeply regretting my relationship with First Premier Bank aka Premier Bankcard, and have considered and concluded finally to cancel this card and make payments to clear the balance eventually. It was a horrible experience for me. It's almost as though I was retargeted to create the same experience. I will never recommend First Premier Bank to anyone.
Reviewed Oct. 10, 2023
They don't update your credit report. They don't release your available credit and they're just there to collect monthly payment. Don't go to this second chance card. No customer service person you can talk to. I checked. They want to mail your complaint.. So old school.
Reviewed Sept. 25, 2023
They are the WORST credit card company I have EVER dealt with! They charged me $58 and change in fees which put me over my credit limit so they could turn around and charge me the over the limit fee. Pitiful. Then I get transferred to the “closure dept” where I finally try to close my account. I am informed that they will keep charging me this positively ridiculous interest and fees for whatever all until my balance is brought to a zero balance. I don’t know about anybody else, but I can’t afford to be played like this. Don’t do business with these people. They are shameless.
Reviewed Sept. 5, 2023
This company has been changing me a interest rate and monthly fee on a closed account. This is the worst company ever and credit karma should be ashamed for allowing this company on their website. This company is fraud sighs anything with is sighing your rights way. If anyone can see this Don’t get on business with this company. They will Rob anything they can from you.
Reviewed Sept. 2, 2023
I have had Premier for a while now. I have a balance, but should have a large enough credit available to use. The money has already hut my regular bank, but yet, they are holding 90.00 and not putting it to my available credit. This is pretty much theft. I was told they can hold these payments made unto 20 days! Excuse me! If I've paid on my balance it should be available with in 1-2 days max. Not 20. What is wrong with this picture? With today's technology, and how fast thing go, this should never happen. Premier is about to lose me as a customer. I have another credit card with another company, and never ever has this happened. I make the payment, it hits my account, it's available the same day it's recieved. Not held! Premier get with the program!!!! Wow! Shame on you!
Reviewed Aug. 30, 2023
I've had this card less than a year and it was my biggest mistake yet. Besides all the extra charges and such on the app it will say they've taken your payment from your account and it's being processed your balance will lower and everything BUT IT NEVER TAKES THE PAYMENT. It takes close to a week just for the payment to come out of your bank account even though the Premier app clearly says they've already taken the money so you think you still have money to spend. NOPE. Then premier charges you extra fees for not paying on time when they're the ones that made it look like you've already paid. Not worth the hassle. Will not be continuing with their card. Didn't even want to give one star
Reviewed Aug. 30, 2023
Only had this card for a week and what a headache. Could not get pin to work and call at least 7 times over the week and each time they had more excuses and all my fault of course. Last call I just cancelled the card. They said I overwhelmed the system.
Reviewed Aug. 23, 2023
The worst experience I've had with a credit card company ever. Essentially they are engaged in a big fraud scam. I applied for and received a credit card then I purchase a couple items and paid off the balance immediately along with the annual fee. Surely thereafter I was unable to use my card and it was declined. Being that I'm busy I didn't have time to sit down and go through the endless voicemail to get in touch with somebody. I looked online and my account looked just fine with no balance outstanding.
When I finally called the company they claimed that they had sent me a letter (they did not) asking me to upload a copy of my bank statement and confirm that the bank account I was using was my own. They didn't have any problem taking money out of the account but somehow they wanted verification that the account was mine. They also said that they had canceled my account. In any case, I uploaded the information they asked for and then they claim that they wanted verification of my income and debt liabilities. I'm quite sure what they are doing it's just going around getting people to pay the fee for their card and then canceling it. I'm filing a complaint with the department of Justice. These people are going to get what's coming to them. They're a bunch of crooks.
Premier Bankcard Company Information
- Company Name:
- First Premier Bank
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