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Premier Bankcard
Overall Satisfaction Rating
1.05/5
  • 5 stars
    0
  • 4 stars
    0
  • 3 stars
    0
  • 2 stars
    2
  • 1 stars
    31
Based on 33 ratings submitted in the last year
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Premier Bankcard

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779 Premier Bankcard Consumer Reviews and Complaints

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Page 1 Reviews 1 - 30
Rated with 1 star
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Verified Reviewer
Original review: Oct. 30, 2018

First Premier Bankcard is awful. It’s expensive, charges a monthly fee and the app is terrible as it does not list transactions appropriately. Very low limit. They charge a percentage to raise your credit limit. Just a horrible card all the way around.

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 19, 2018

I been on time every payment. Kept balance at no more than 30%. Got a letter saying they closed my account. I called customer service and they told me they had no clue and couldn't help me saying my account was fine. I tried to use my card and got declined. I called customer service back. They told me again my account was fine. I tried to log in on my phone and got a message saying account not available. I got a letter in mail saying account is closed. Worst credit card company I have ever dealt with. I will never get a card with them. They have lost my business for good.

3 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: Oct. 12, 2018

Don’t use this card to rebuild your credit. Don’t send them your $400 dollars. The worst company ever. Super high fees and I claimed bankruptcy and they still haven’t taken off my credit report 6 months later. Get a Capital One prepaid $49-$5000. It’s 100 percent better with no hidden fee and as soon as you open 50 points first payment another 25 points watch your score climb.

7 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Oct. 3, 2018

This company is a fraud, I've been trying to make payments online for two weeks and was not allowed to do so. They kept saying that my bank denied the transaction but I have 3 other credit cards that I paid with said bank account and haven't had a problem. They want you to be late with payment so that they can charge you late fees. I have several people that I know has experienced the same thing. I have cancelled my card. I will dispute any charges going forward. Thank you.

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 19, 2018

I received a pre-approval letter for a $700 credit limit credit card from Premier. I accepted the agreement, even with the high interest rates, and received the card a few weeks later. I used the card for about 6 weeks, never using more than 50% of the limit. I made weekly payments, every payday, using Premier's mobile app and my checking account. All payments cleared my bank, easily. Without notice, Premier suspended my account, pending verification of my checking account. 6 payments had already cleared! WTF???

I called customer service to question the suspension. 2 days later, without warning, Premier closed my account. WTF??? Account in good standing, with nothing but consistent valid payments, and they closed the account. Now afraid that Premier will falsely ruin my credit rating. Oddly, Premier accepted my continuing payments, via phone payment system, using THE SAME CHECKING ACCOUNT! WTF??? Advise everyone avoid this scam "bank"!

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10 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: Sept. 9, 2018

First Premier is the Trailer Trash of Credit Card Companies. I got my husband a First Premier credit card then I got a First Premier credit card. The first month I made a payment I believe over the phone then I tried their mobile app. When I put the checking account in I thought I put it in correctly but I couldn't understand why it wasn't posting to my account. When I called they told me, "Oh your account is closed." I said, "It's only been open a month!! Why?"

I spoke to a man and he said, "You put the wrong checking account into the mobile app to make a payment" so I said... "So take me to a firing squad. Put a blindfold on me and freaking shoot me. You closed my account? Because I put an incorrect payment method into the mobile website!!? It's called an error. It happens on mobile apps especially... Gee, I bet you THAT never happened before!!!"

Well lucky for me, come October I'll be able to purchase cars and houses with cash so I guess I won't be needing you anymore, but you don't think I'm going to leave quietly do you? No way. What you're doing is very wrong and someone not in my position is going to suffer and since my first name is Justice and my middle name is FOR All. They don't call me the Pitbull for nothing and I do not make idle threats.

I'm in a very unique situation, most people will never be in the situation I'm in. I know when my windfall is happening and I know how much it is. It just so happens October 30th is right around the corner after 3 long years. You were just a stepping stone for me to get from point A to point B which ends less than 45 days from today. I guess your company being, how shall I say this, how do you say piece of crap company in a nice way? Mmm I guess you can't, anyway,

what's funny is once you have money people will kiss your ** falling all over themselves & once they see the amount I'm getting they'll be poo pooing in their pants. They get no repercussions for basically chastising you for a plain ol' error.

I'm still not sure what the error was because of course they're not telling me but I will get to the bottom of it. Cry Me a River for the wrath I'm about to bestow upon you. So all that being said there are plenty of other of credit card companies. I wouldn't go to First Premiere at all! First Access is awesome. You can try. A really really good one is Merrick Bank. They're awesome too. Anybody but these losers. Capital One's awesome too. Those are the three. We have Capital One, Merrick and First Access. Run from First Premier. They're pathetic! I call them the Trailer trash of credit card companies.

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9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 2, 2018

I have two credit cards with First Premier Bank and I maintain a low balance, but to my surprise, even though I paid my balance off 2 weeks prior, I now have a $91.00 balance! I don't even charge this much to this card! I looked into it and they charged me $79 annual fee & $12 monthly fee! I requested via email (it's Sunday) to cancel both credit cards and I will call first thing Monday morning. There is enough cards out there that don't charge an annual fee nor a monthly fee. (Capital One) BE AWARE! I've learned my lesson, besides, companies like this enjoy taking advantage of people trying to get out of debt and do the right thing. Shame on First Premier Bank! I WILL NEVER USE THEIR CREDIT CARD OR SERVICES AGAIN!

13 people found this review helpful
Rated with 2 stars
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Verified Reviewer
Original review: Aug. 7, 2018

Opened on almost over 10 mos or more on a $400 limit. Never been late. Have paid twice the minimum $30 monthly balance way before the due date. Has not helped my credit score. I have requested credit increase but denied. This month My bank deposited my funds into wrong account which Premier was already Paid in advance. Premier tried to debit some extra funds from my account which had already been paid. So I disputed them with my bank. Premier Written me a letter stating they were closing my account... I am currently still paying the balance off which is left $84 out of $194.00 Which is not due till next cycle. Premier Also does not report & reflect my monthly payments that I have previously made going back when I first opened the account. My bank states they do not issue Letterheads. Premier is asking in order to reopen the account which I am not requesting to reopen.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 30, 2018

Premier Bankcard, FPB, First Premier Bank etc, they are all the same company, out of all the credit cards I have had, this one has been the worse experience EVER. I was approved for two accounts and paid all the upfront fees, and years later went into collections, which are now paid, and PIF letters received. However, FPB is playing games when it comes to correcting and updating my credit info with the 3 major credit bureaus. They took a ACH payment for both accounts, then sent me several PIF letters advising the balance was resolved, then updated my credit correctly.

Well, on July 13, 2018 they changed it back to default and a charge off and also changed the balance back from zero to amount owed??? Who does this? This is clearly not ethical or compliant with FCRA requirements. I am sooooo waiting for a national news station to reach out to me to speak on this company, I have wrote several letters, made phone calls, submitted disputes etc, and I will continue to until they do their job and update the information correctly.

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6 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 27, 2018

I paid their required $95 upfront fee to even get their credit card leaving a balance of $225. I just received a call telling me that I am late paying them $100 and how would I like to take care of that. I never received the credit card and told the rep that. She said that doesn't matter that I still owed an annual fee of $100. I said unless I had the credit card in hand I was not going to pay them any more money. I was transferred to a customer service rep who just gave me grief so I ask for a refund and told them That I am going to report their business practice to the AG of Texas and hung up. This is a total scam. Don't fall for their BS. I have nothing but a hole in my pocket dealing with false claims of credit that never was sent to me and more money being asked for by them.

13 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 28, 2018

Tried to cancel an approved card within 24 hours and denied. After re reading the fine print about the charges both annually and monthly, not to mention the monstrous APR of 36%, we decided to cancel the card. When calling to cancel the recording said we had been approved but no decision yet on credit limit. We finally got a representative and were told we have to pay the fees or they will report a derogatory closed account on our credit with an unpaid balance. We have no cards with fees and no derogatory reports at present. I closed by telling the very argumentative representative that we will proceed the legal way then and there had better not be any derogatory reports. I suspect we will have nothing but trouble over this. Highly recommend all steer clear of this shady company. Your credit can be better handled elsewhere for sure.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 14, 2018

Hi, just a warning. I pay my credit card bill always on time. I make multiple payments to keep the balance low any chance I get. I sometimes pay with different cards which is quite normal I suspect. Keep in mind my card limit is only $400 not $15,000 but $400. Well Aventium/First Premier decided to play God and suspend my card because of that. Well I'm just wondering why they didnt call police or treat as fraud? Anyways I sent them proof. Now what? Oh it was blurry; part of the proof. Well maybe they need their vision check. Stop trying to play God and ruin people's life just because you can't make money off a customer with finance charges is ridiculous!

15 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 4, 2018

About two months after I opened my account I received a different credit card in the mail. When I reached the help desk (they are NOT open weekends) I was told that someone had reported my original card lost. That was not me. There is a $81 charge on the account from an ATM in Chicago; I have not been in Chicago in over 30 years. They will not accept a dispute over the phone or online. They want me to complete the back of the statement (with very small type and mail it). They also want me to include documentation from the merchant showing that I attempted to resolve the issue. The customer support and service is nonexistent.

7 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 9, 2018

I paid my account in full on 4/9/18. 2 weeks later I logged into the account to make sure there weren't any fees or charges. I wanted to make sure my account balance was 0. There was a $14.50 monthly charge and $25 credit increase charge. I called to dispute and was unsatisfied. I decided to close my account that day 4/23/18 after paying the $39.50 charges that remained on my account. They auto debited another $39.50 on 5/6/18 which now is a credit to my account... my closed account. I'm currently jumping through the hoops of dispute to get my $39.50 back. Very shady business. Beware!

17 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 1, 2018

Like many other reviewers and cardholders I've seen around the Internet, I got a credit card from First Premier because I was desperate and I wanted to rebuild my credit. Long story short, my first credit card from them had $300 limit. Right off the bat, they charged a ridiculous $75 annual fee, bringing my available credit down to $225. Whatever, I needed the card anyway. I used that card for a few months before getting another offer from them, this time offering me a $700 limit. I jumped on it as I thought it would be nice to have an "emergency" card. Again, another annual fee.

I used the cards and made the minimum monthly payments for a while. All was good, and while I wasn't too happy with my interest rates, I was just happy to be able to starting building my credit back up. That was until one month when I logged onto the website to make my monthly payments as usual. I went in, selected the option for "minimum payment due" for both cards, selected the bank account I wanted to use and the day I wanted the payment to come out and submitted the payments.

Next thing I know, FP is blowing up my phone, telling me I missed my payment for my card with the $700 limit. Um, what? My records show that I paid it, the money has come out of my account so what's the deal? Well, turns out according to FP, my minimum payment for that month was $20 more than what their website stated. But of course, they had no records or any documentation that says the minimum payment I saw on the website was any different than what their system says. So because their website said I owed them $50, I paid them $50, but they actually wanted $70, I was screwed. At the time, I couldn't swing an extra $20 so I just had to let it go. They charged me a late fee, naturally.

The next month, since I still "owed" them $20, plus the late fee, plus my the payment for that month - was just too much for me to afford, and FP didn't really care. It snowballed until they closed both of my credit accounts (yes, even the unrelated $300 CL one that didn't have any issues). So now, even though I took out these cards with the intention of rebuilding my credit, FP is now hurting my credit even more, and I'm stuck paying two credit cards that I won't even have access to the line of credit again once I pay them off.

Moral of the story: Stay as far away from this company as you can! They don't care about you, or your credit. They are dishonest, and will nickel and dime you for anything and everything they can. Even if you're desperate, go to a more reputable company like Capital One, Bank of America, Chase, Citi Bank, or even your local credit union. Even if they don't approve you for an unsecured card, you'll likely qualify for a secured card. Sure, you might have to make a deposit, but trust me, it's much better for you and your credit in the long run.

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28 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 26, 2018

I had filed ch7 in 2004 due to massive medical bills and have not been able to rebuild my credit since then. I received a offer from Premier Bank in 2016 and I was excited that a credit card company was offering me credit that wasn’t prepaid. The terms was no monthly fee just a yearly fee of $75 and a startup of $99. So I paid the $99. Confirmed my identity since I have a identity theft warning on my credit (my identity was stolen as a teen). After a year of comparable interest on my card and on time payments I received a offer of a second card thru Premier, again same terms but a higher credit limit. I had asked about a credit increase and was told my account was too new (12 months) when I received the offer, so I called and the agent and she confirmed the offer was real, terms was the same.

A real estate agent told me I needed 3 forms of good credit and my vehicle needed a lot of work, so I accepted the new card. It’s been a year since I open the second card and I noticed that when I would pay 40 or $50 on each one of my cards my available balance would only increase by six dollars to $10 a month. So I looked at the statements today and Premier has been charging now the equivalent of $30 a month for one of my cards and interest in monthly fees and the other card is nine dollars a month in interest, which I understand the interest portion. So I called Premier Bank today and spoke to a rather rude man who told me after I explained to him that I did my application over the phone. The offer was for both cards. No monthly fees. Low interest rate with a yearly maintenance fee which I accepted. After all I needed to build my credit.

He informed me it doesn’t matter what age it tells you when you were doing the application that they have to go off of the agreement that is sent in the mail which I never received and then he informed me that all pre-acceptance letters have the information stating there is a monthly fee as well. When I told him mine stated no monthly fees he basically called me a liar. Told me that you have that Premier Bank is doing everything legally that they’re accredited and they won't to be in business if they were scamming people and I asked him. I said how was it not a scam when the minimum payment is 35 I pay 40 or 50 instead and my available balance only increases by six dollars.

How was that not scamming people and he told me, "Well it doesn’t matter. Do what you gotta do. Turn us in but you are the money now." I’m not denying I don’t know the balances and I’m going to get those paid off. I’ve never been late on a payment and I won’t be late on a payment but the fact that they’re taking between both cards they are taking between 60 and $80 out of $100 a month that I give them and putting that towards fees and then they turn around and charge a yearly fee on top and they don’t even give you notice of when that comes out which causes overdraft fees on top of that this company is a scam. As soon as I can I am closing out my accounts. I’m going with another card company.

This company has literally in two years: thousands of dollars when I only use my cards maybe once a month if even that and I’m not getting anywhere when I making my payments and I making larger than my minimum payments. Stay clear from this company. They take advantage of people with low credit scores who are desperate to improve their credit score. You can’t even rent an apartment without good credit and they’re taking advantage of people knowing this fact. If anyone’s interested in filing a class-action lawsuit against this company for fraud count me in.

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19 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 2, 2018

I will admit, like everyone else I was desperate because I had bad credit. Saw a chance to improve it and pay my bills. Young and on my own for the first time I was scared and just wanted to ya'know...not be homeless. I applied for the card and paid the stupid fee. Then I found out about the $125 taken off the top...backwards and wrong...but I disregarded it because I would still have enough to pay my bills. Then I got myself in deeper than what I could handle so it became difficult to make the payments but I did. I enrolled in auto pay. One day my bank was negative so I switched the account that the auto pay was attached to. Not only did they not change the account like I asked but attempted to take the money out 3 times. Which put fee on top of fee with my bank because I didn't have the money in my account and they returned the payment. That's a $35 fee for each.

So for every time they put it through to the wrong account I was charged a total of $70 in fees. That's $210 in fees from them processing a payment to the wrong account 3 times. It wasn't until after about 2 months of not making payments that they cancelled my auto pay "per my request" but I didn't mind because they had been racking up fees with my bank anyway. Pair that with the fact that they had been calling me several times a day from a "private" number starting at 8am, I have had enough. It wasn't until they finally left a message, 'cause I don't answer private numbers, that I knew it was them calling me. I've had this card for over a year and it helped me out when I was in a bind but all the trouble that came with it was not worth it.

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15 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: April 2, 2018

I went with these guys because they had a higher credit limit for crappy/borderline credit. I started my account a month ago, and I received my billing statement BEFORE my card. I called customer service, and the response I received was "well... Give it another 14 days". Umm... My bill is DUE in LESS than 14 days. So you want me to pay my first BILL before I can even utilize or build my credit? I already paid your 95.00 fee. The customer service rep's answer was, "Well, it was mailed out the 22nd." So I guess it takes a MONTH before you will get your card through these clowns, and you'll be paying credit card bills before you can even USE it. I explained to the customer service rep that if I don't get my card BEFORE my bill is due, I am NOT paying it. Sorry... No services rendered means no payment.

17 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 18, 2018

I had a payment taken out of my account on 3/2/18. It is now 3/18/18 and it's still not posted. I was told it would be available today and it's not. What is going on with my money. It has been 16 days. I talked to 2 different people yesterday and was told it would be posted. What are they trained to lie. Where is my payment.

16 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: March 8, 2018

Well I called the credit card company about a card opened in my name. They didn't believe, also the person in their way called me a liar. They just want their money. It's ruining my credit report. It's about 750.00 someone else spent and made payment until they marked the card out. I got pissed off when they called me a liar and they hung up on me.

18 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 24, 2018

This company exploits and treats customer with challenging credit issues like second class citizen. I paid off the account to zero but since I used my checking account they will hold my credit limit for eight business days even though it has cleared my checking account (it's considered non guaranteed payment but those dummies said to use a debit card to access my credit faster which in my case would come out of same account). But when I make that minimum payment it was applied to my account right away. STAY AWAY FROM THEM, I HAVE CLOSED THAT ACCOUNT. I HAVE HAD ENOUGH!

24 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 7, 2018

I was approved for a credit card and read the reviews. I had reservations about this card. It was around Christmas time and I thought that it would be beneficial so I had the extra money for presents. I called and had a lot of questions considering the reviews. I keep getting calls at work from them saying I owe money and I didn't understand why because I paid the $100 to get it started. And they told me it was a courtesy to give me the card when I don't have any problems with Credit One or Capital One. Just believe the reviews before you make a deal with the devil.

27 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 7, 2018

First off your credit limit is 400 but they take $99 then you got to pay a $95 activation fee then it won’t be paid $400 back. Worse interest rates ever. On top of that they added a $8.95 charge on my card for overdraft fees. Never overdraft card. I have only had the card for a month. Worst card ever. Never ever get this part where is her. Try somewhere else or build your credit until you could get a better card. This is not the card.

28 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 6, 2018

I've had this card and got it because I couldn't get any other card. Now that I have better credit I didn't want to pay the very high fees. I have been trying to close the account for over a month and get MY $250 returned to me. Still can't get it. What's really sad I had a zero balance on my account and they took a $50 payment out of my checking account and now I can't get that back either. THIS CREDIT CARD COMPANY IS A THIEF - DO NOT USE THEM OR YOU WILL LOSE YOUR MONEY TOO.

18 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 10, 2018

I never do reviews. But!!! This company was so horrid I had to warn somebody. This is just what it should be, a start up credit card. Build and dump them. They add monthly fees along with the yearly. Interest is ** HIGH. And they do not value long term customers. Not to mention there's a cut off time to pay your due date payment? Shouldn't you have the entire day to make your payment online? Anyways they charged a late fee for that regardless. Bottom line THEY SUCK!

36 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 31, 2017

Got the card and sent my processing fee in. Card never became activated. Upon contact they told me they reserve the right to refuse application at any time. Asked for a refund and was told that the money I sent was used for processing my application. Stay away from them!

29 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 26, 2017

Please do not attempt to use Premier Credit Card. The practices of this company should be consider illegal. After two years of non stop problems I decided to close my account. I then found out there was a credit of $75 to be refunded to me. I was told after waiting weeks the payment was mailed Nov 16. It's now Dec 25 and no check received. I am amazed at what these guys get away with doing. Beware-of-First-Premier!!!!

26 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: Dec. 26, 2017

I was offered this credit card with no deposit and a required annual fee. I didn't really need it as I have successfully been on the right path with my USAA credit card (great card by the way... if you qualify). I was thinking because I only have 1 credit account open, why not have 2 with one I only use for incidentals (First Premier). So immediately after I opened it, I paid it completely off (their *fee) and didn't touch it. While the payment "posted" the same day I paid it (through the app) a week later the credit limit had not change and the balance due remained the same.

It still showed me owing them money, even though I paid it completely off and it shows online and via the customer service rep. However, no one can tell me when the payment will actually post. I don't need to credit but I do find it fishy that a week later, they are still dragging their feet on posting the credit. My USAA credit card posts... immediately, regardless of the bank account I use to pay it with. If they get a payment...I get a credit.

Maybe I got spoiled with a good company and am just lost at how in 2017 a company can receive a payment... on time... in full... and still not post it after 7 days?!?! Does this company operate out of a cave in Afghanistan on DSL? Madness. If you're truly trying to improve your credit, "maybe" get this card, just don't plan on ever being able to use it. Hahaha. If you have other options, I highly recommend you explore them. I will continue to keep this account because I recently opened it and don't need a negative mark on "age of account". But seriously a week? Haha. Also, I don't think customer service actually know what bank they work for or how to access anything within their own corporation.

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24 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 22, 2017

I had account with Premier credit card billing was paid on time at times, if not things were caught up and phone calls made to corporation. Premier Credit closed my account back here in August 2017, they stated account closed in September 7, 2017. This company have been sending me bills stating, "Have you forgotten about your account?" I have not forgotten about account because this company is reporting to the credit bureau monthly on a closed account in which they closed. I received a letter from the directing officer on 12/22/2017, stating my account was closed due to returned payments and they credited account of $87.00. I am not understanding how you are crediting account of which you closed out, and no documentation has been sent to me. I telephoned my bank and found out, I have never has any items returned on any accounts for this whole year, not even from Premier Credit Card company.

I am not sure why this company is falsely sending information and defamation my character over an account they closed. They are stating, I owe $421.59 in which, I'd not believe because if your corporation can lie about payments returned they can lie about anything. I am so disappointed in Premier Credit Card company. I want this negative information removed from my credit along with any payments they are claiming, I owe. They are not to be trusted. The directing officer sent me information that is not true, now what does that tell you about this company. It seems like consumers can be liable for company's mistakes but not the company themselves. Why is that? I will be posting letter along with bank letter once it has been received on my end. This is unethical and unfair to any consumer.

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17 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 5, 2017

This is the worst credit card. I had to put 100 security deposit for a 400$ credit limit and when I received the card the credit limit was 298$. Because of my bad credit I was willing to accept this. I charged the full amount and when I sent in a payment of 300$ it took well over 7 business days to process. They took the funds from my checking account within 24 hours so the money is just sitting between computer lines. Trying to build my credit the plan was to use it for bills but that is a no go. It has caused more problems than good. If I would do it all over again never would I use this card and as soon as my credit is better I'm canceling it ASAP. A check clears faster than this company can clear electronic funds.

19 people found this review helpful
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Premier Bankcard Company Information

Company Name:
First Premier Bank
Website:
www.firstpremier.com
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