Premier Bankcard Reviews

I have two cars with this company. The monthly fees are getting ridiculous and the annual fee is ridiculous as well. I plan on canceling both cards very soon. I called and asked if I could get a lower APR or cancel the monthly fees Being is though I pay and never missed a payment with them in six years. They told me they don’t have no deals at the current moment to do that so as soon as I close on my house, I’m getting two new cards replacing these two cards.

Terrible customer service. Threatened to release call for no reason. Takes 20 days for payment by checking account to post. There's 30 days in a month. Accounts are linked meaning if you pay $600 on 1 account but the other is late you can't use either. Call and harassment all day for 1 day late. I could go on. Do Not get this card and close account if you have 1.

If you have bad credit or need to reestablish your credit this may be a card you want to take a chance at having. Both of my cards now with First Premier are at $0 balance.... It took a a while to pay off the balance and now I will keep it off.... The only cons with this card are high interest rates and the the automatic monthly charges. I do plan of cancelling these cards since my credit is ok now but I am waiting to do so so I don't take a hit on two cancelled cards.

I ordered this card about four years ago for a friend of mine and I got stuck making the payments and I thought that’s all I was doing was making payments until I found out that there was an interest rate charge that they do every month which goes from $18 to 19 $ to $20. It’s Whatever they wanna charge. Oh and don’t forget the $12 monthly fee that you’re automatically going to get right along with your payment. Don’t forget that yearly one. Never again. Sorry I used you. This company I will never use again. The money they take from us is crazy.

I closed my account April 10th, I wasn't told I had a balance of 19 dollars on my account, I assumed since I hadn't used the card for 2 years been paying monthly fee, and annual fee, I was good, nope they kept charging late fees on this card for months for a monthly fee after the closing on the account!! Ridiculous I had to pay $105.00 after they reported late over 60 days to credit bureau. Do not get this card. It's a money pit!!

Not my story. Nobody for over 10 years have me credit till they did. What’s people expect when you don’t have the credit? So once you get it let’s tell them how horrible they are? I went from a 303 to 630 in 2 years. Yes, their fees are horrific but you all knew what they were. I’m keeping them for a little bit more time & will be able to move on & finally feel freedom with a good credit score & have much lower interest. For people who have no way to gain credit /have horrible scores due to past pandemic issues.

If you value your credit, DO NOT APPLY FOR THIS CARD! I closed my account today and paid in full. They do not offer autopay, the interest is variable, they will lie and tell you that it's a fixed apr. Some of customer service is very rude. I spent 10 minutes on the phone with Nicole and she only wanted to talk over me and tell me that they would not want to take my business debit card then I transfer money to my regular checking and the first 8 numbers are always the same no matter the account type, she tries to talk to me like I'm a child because the first 8 numbers were the same for both debit cards. They do nothing to help you whatsoever, no grace period, I had one late payment in 1 year by 3 days and it cost me $65. They will report to your credit, so that is the only good thing. But please consider all of these negative reviews, it works for some, but not for most, do not apply for this card!

If I could give Premier bank zero star I would do it in a heartbeat. I close my account 4/16 and 5/8 2024 they're charging me $8 more dollars monthly fee a month later. The customer service is very sad. I have to close both of my Accounts.

Absolutely the worst customer service I’ve ever had to deal with, not sure of the last woman I spoke with but I asked to speak with a supervisor and she told me know, so because I pay my bills more than they think I should they suspended my card 0 dollar balance. Btw, no phone call, no email, just suspended it until I showed my bank statement then I just have to wait 3-5 days to “see if they will reinstate”. I would recommend not doing business with these people.

The worst credit card company I have ever dealt with. Charged me a late fee on a balance before I even got the card in the mail. Absolutely ridiculous that they don't offer auto pay. Good luck getting a customer service rep to help you.

As a loyal customer of 3 yrs I regret everything about this company. They don’t have auto pay. After a yr they won’t tell you but you have to start paying a 7 dollar monthly fee. I missed 2 payments from not being able to log in my account from my phone being broke and life’s hardship. They won’t remove it from my credit report. Told me to dispute from the credit bureau. They don’t remove anything. Very aggressive people answering the phones especially the Managers. I give this company no stars. Just money hungry and setting you up for failure for not having auto payment that would have saved me being that I can afford 20 that was reported to the credit dept.

This credit card is one that you get when you want to establish credit, but after a while you realize they are charging you over $ 200.00 a year in "fees." As soon as your credit score can bear a hit, get rid of them. Credit increases are not automatic and they are skimp at best. I have excellent credit and decent credit cards that don't scam you like this one does. Again, as soon as you can, close it. You're paying for virtually nothing.

If I could give a negative number it would be so deserving. This is the biggest crooked Credit card company you can get involved with..Drag their feet in posting payments what is shown through credit card App is not what really going on. I paid 3 payments just in February and another $80 dollar payment on March 1st, 4 payments within 3 weeks of each other..Had a recurring bill hit my card of $12.95 that was the only charge to my account, had a warning that my $49 annual fee was coming and to expect a charge of $49 so that’s why I paid the $80 March 1st.

These idiots don't offer auto pay! And you can only go 1 months ahead at a time to set up an ACH payment withdrawal. So yeah they want you to miss payments and tack on late fees. No excuse for no auto pay option. If I could I could schedule payments ahead of time. At least that's help but like I said you only can for that month. You can't go ahead. Pathetic and shady!

Customer be aware. This place has a horrible payment process. Paid $100 on 2/15 and it went under ADF, no clue what that was. Was given the $100 back to spend. Payment was never processed until 2/25. It made a purchase above my limit and was charged $65.34. I’ve cancelled the card. What a rotten system.

Terrible customer service. They refuse to fix issues they themselves provoked. Incredible. I can’t believe all these customer services were of no use. They do not appreciate long standing customers in the list.

The absolute worst financial institution. Only reason they have a one star is because there is nothing lower. No two employees have the same training or know where to find information. Talk to 2 employees. They first tried to help but couldn't find the information. This was after speaking with a different employee who insured both my husband and I that we had the POA on file and that we should have no issues in the future. The first employee I spoke with today took the debit card number and didn't have any issues that it was my husbands debit card. There was issues and I had to call the the bank which held the debit. I asked if I would have issues and she said that she noted it in the account that they have permission to talk to me or my husband any time going forward. This was the second time it was noted.

Run from this credit lender. They will charge fees for services you are unable to use. You keep customers in debit and you offer no assistance on services paid for!! You are a predatory lending agency. Complaints are being filed with the BBB, FTC, SEC, and the CFBP!!

I made a mistake by signed up with this credit card company. In addition to the $75 fee initially charge. The company did not go the extra mile to protect the customer from fraud charges. Specifically, I was scam by the some company into settling tuition fee forgiveness and they asked me to sign a bogus agreement which I was fooled enough to pay them $191 in advance to get this "contract/agreement" started. I then immediately realize it was a scam. I tried to reached out to the number they gave me but it was not a working number. I then contacted First Premier Bank and reported the situation. About 3 weeks later, First Premier Bank seemed to dispute the charge with the bogus Merchant KP Processing whom I was authorized for that scam $191.

Horrible customer service. Extreme fees. Lies by agents to get payments. Won't help you close the account without making sure you pay fees the agent said would not be there. Never use First Premier as a credit supplier.

No matter what you pay all time or not they closed your account without to contact you or notice then send to credit report and say, "Your account closed because your payment is fraud. Need to closed your account."

With all the competition out there for Credit Cards, all the numerous offers sent constantly, the competitive landscape is intense. So why would PF card not allow you to edit auto pay on their website? This seems like a simple, standard feature. Right?! I had to call their customer support, go through the menus, and prompts, then finally speak to a person who had to edit the autopay on the phone. Then, to confirm, I had to listen to her read a long legal statement about the change! This all took much time and energy and it's because they don't have the simple functionality built in to their web tool. This company is a basic as you get....no frill, no consideration for customer sat. I think they are behind everyone else and therefore I cancelled the account. There are just too many great players out there in this space to waste your time with a company like this. The 2-stars is because the agent I spoke to on the phone was great, under fire, and she did the best she could.

Virtually every single time I try to use my new First Premier Bank credit card since I got it a couple of months ago, it declines my transaction as potential fraud for no apparent reason. VERY annoying.

I went with this cc company to try to build my credit. They froze my account for paying it too much. "Fraud" they said. "Please provide us with the card you are using to make payments to the cc showing it truly is you," they said. Submitted that information showing it me. "It's not enough", they said. Now we need bank statements, provided them with my routing and checking statement /2 wks still frozen. "Not enough" they said. At this point I don't know what they want, my blood type, the color of my **. It's ridiculous. You get penalized for not paying on time and penalized for paying too much. Stay away from these cc company. The individuals that work for them all say the same crap like they are idiot robots.

They took over the account from a previous CC company that I had. The original letter explained that things would remain the same (CC terms). A month later, noticed a fee (no fee to hold the original card). When I contacted them, I was told it was a "mistake". This was corrected. However later the card was cancelled by them "for inactivity". Wow, many people hold a CC and don't use it often. This letter was received (02.13.24) today. Stating the account was closed 01.23.24. Giving me no opportunity to use the card to satisfy them. Seems like if you have bad credit and hold high balances. You are the customer that Premier Bankcard is looking for.

I opened a credit card with Premier almost a year ago and it has been an awful experience! Months ago, I noticed they were taking money out of my banking account without my permission and I made my monthly payments on time. I contacted my bank and they noticed that 2 payments were coming out of my account monthly. One that I made myself and one Premier was debiting without my permission. I disputed those unauthorized payments and received a refund from my bank. Premier sent me a letter saying they closed my account because I disputed unauthorized payments!

I started trying to build credit. So this card is very high interest and I had to start somewhere. Between the monthly fee, annual fee, interest rates, over-limit fee, late fee it is outrageous. Not saying I went over limit but I don’t know how anyone can pay on this type of card. The only option is straight up not use it which is not helpful when you are trying to build credit. Customer service is not helpful either. They do not seem like they want to help their customers with their product. They are simply there to answer a phone.

I've had this credit card open for years and I never use it. I decided to cancel it because the monthly and yearly fees are outrageous. Plus, it's hard to remember to pay a monthly fee on a card that is never used. Folks there are better options out there with NO fees. Plus, if you call customer service to cancel your account they get nasty. Overall, speaking to them is not a fun experience. I wouldn't recommend to anyone.

I cleared my Premier to a 0.00 balance and didn't bother to look at it again. I needed it to rent a car out of the state. It seems there is a monthly charge so I'm in the negative and late. They did not turn on my account and I was stranded and could not leave the airport. If your balance was at capacity, I understand, but my was at $78.00. I was stranded and without another credit card. I closed my account!!

I barely just missed maybe two payments and I had someone put fraud alert and I'm getting harassing phone calls from them. I don't even think I was that late on my payments but now they will not stop calling me. It's annoying and I just feel like I'm harassed for no reason.