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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.
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.
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!
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.
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.
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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.
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!
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!
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!!!!
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.
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 $421.59 in which, I'd not believe because if your corporation can lie about payments returned they can lie about anything. I am so disappointed in Premier Credit Card company. I want this negative information removed from my credit along with any payments they are claiming, I owe. They are not to be trusted. The directing officer sent me information that is not true, now what does that tell you about this company. It seems like consumers can be liable for company's mistakes but not the company themselves. Why is that? I will be posting letter along with bank letter once it has been received on my end. This is unethical and unfair to any consumer.
This is the worst credit card. I had to put 100 security deposit for a 400$ 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.
I opened a secured credit card with this "bank" (read: extortion company) in order to help repair my credit in 2015. After paying for continuous monthly/yearly fees for a card I rarely used, I was finally sick of it. Between the months of April and October I had somehow racked up a balance of $260~ on a $0 balance from late fees assessed from monthly fees. I paid a late fee on the monthly fee? Oh, and of course that affected my credit score negatively. I paid off the account, then closed it.The retention agent had the audacity to offer me a $25 credit if I kept the account open - I almost laughed if it weren't for trying to maintain some sense of decorum with this farcically extortionist company.
$400 to open the "secured" account, several hundred more for monthly/yearly/'late' fees assessed, and no they don't send your initial deposit amount back to you when the account is closed. I have nothing positive to show from utilizing this company other than recommending that no one else ever use this company. Almost a month after closing the account, which was a week after confirming the account was at a $0 balance, I'm now filling a dispute as the past due alert is still affecting my credit score.
I closed my two credit cards from First Premier. I had to get a bank loan when I saw that the balances kept getting higher and higher even though I had stopped using them months ago. The balances had climbed over the credit limits and now I was being charged fees for going over my limit! If there is a class action suit I want in! This bank is fraudulent. I paid the balances but I still owe late fees! Someone, please give me answers!
First Bank of Moron (Premier) won't even be helpful when trying to settle a collections account. 35% of the total is their fees and insane predatory interest rates. They charge for everything from answering the phone to making a payment. CON ARTISTS. Rude stupid minimum wage employees, and equally stupid supervisors. Avoid this bank at any and all costs. Not worth the grief. If there is ever a class action lawsuit against these misfits, please count me in. Banking industry should investigate, and suspend their banking license. They prey on those with poor credit, and bleed them for everything they can. Run, don't walk from any of this bank's offers...
First Premier has the most prehistoric online system. No statements available, no year end info available. Can only go back a few months, and they want to charge fees to provide what they should be providing online! The most user unfriendly credit card I've ever had.
This is the worst card EVER. I went to pay my payment and after a year and them charging a 78 dollar fee for the year I go on there and I am over because they took out 12 dollars. IT IS A TERRIBLE IDEAL to get this card. They will charge you so many fees that you can't keep up with what you are paying. The finance charges are out of this world and it's just AWFUL. If you want to rebuild your credit try Capital One, avoid this one at all costs. It has no email address to send complaints to. It has no chat available.
This company screwed me in my attempt to improve my credit score. It’s frustrating as I always paid ahead of time. They foolishly suspended my credit card which had a 20 point effect on my credit score. Their reason: they are asking me to prove that I’m authorized to use my own bank card to pay my bill. They want me to fax them documents and signature and other bs. I don't have time to ** with this petty company as I work all the time. I have had a great experience with Capital One! Thanks First Premier you really treated me and my credit score poorly.
I closed my credit card in August 2017 and paid it in full but continue to receive bills with monthly charges and a late charge!!! The bill was paid and customer service makes up excuses and won’t remove charges. Fraud and a scam card!!! No stars if I could.
I've never been late on a single payment for any of my credit cards. Money was tight and I applied for this card to keep as a backup. I didn't know about the fees attached to it. I got my first bill before I even had a card! I made my first payment in August and it was sent back from the bank (apparently the account number was invalid and this wasn't told to me until after it was returned the second time.)
September I tried to use the card right after Hurricane Harvey and it wasn't working so I called and they told me it had been because I had a returned payment but they saw my September payment and we were okay. I called while we drove from Houston to Phoenix to see if there was that hurricane relief help like deferring payments, the rude woman told me the account dad delinquent and I had to pay 65 but she'd credit back the late fees. I was annoyed but paid it. No one told me my account would be closed a few days later. Shame on them for not informing me of what was happening to my account and double shame for hurting my credit and making a very hard time harder. STAY AWAY FROM FIRST PREMIER.
I struggled making many of my bills. Yes I was late and behind on payments several times. I ended up paying my balance off to zero in June. Because I wasn't using my card they were charging me a fee of 30.00 a month. I didn't know this. I started getting late payment notices. When I called to ask what was going on. They told me they waived all the fees and just canceled my account. I don't get it. It was great for them when I struggled and carried a large balance.
Only recommend First Premier Bank to your enemies! This company is greedy because they charge you a $14.95 monthly fee simply for having an account with them whether you have made charges or not, whether there is a balance or not. Just for having their card, you are charged $14.95 a month. Their other fees kick in very quickly, yet they are extremely slow to update their website to let you know what transactions are pending/posted or whatever fees they charge making it easier for you lose track or not know what you're getting charged. This scenario will put you over the limit if you go anywhere near the limit and you face over the limit fees when they tack on their various fees such as interest and other fees they deem necessary.
Never go anywhere near your limit on any card, but especially with these crooks. They take up to 20 ** days to post your payments made from your checking account which is complete BS. I've had one secured card with them for a year and they offered me a second, unsecured card. I just paid them off today and will close both the accounts. I've had nothing but bad experiences with this company all due to their slowness to post payments (up to 20 days), their snail like pace of posting transactions, even pending ones and their generally high level of absolute greed. I have had a Capital One card and will keep them over this company because they are speedy to post transactions, payments and don't charge a BS fee of $14.95 a month just for having an account with them. Only recommend First Premier Bank to your enemies!
The IT Dept has created a box with (5) sections to click on to receive a code, so you can officially log on. Today I entered the box for my cell phone to receive a text. NOT... tried again 2 more times and NOT one text. Then I tried my landline phone to receive a message, NOT. Last resort was my email address and NOT - I even checked my spam filter and nothing was there.
What a complete waste of time and JOKE. Ended up paying the cc with the phone option. Called the company and that was another joke, since the stupid guy kept insisting the system works. Going to pay off this cc and not use them again. Everything was perfectly fine, before the IT Dept redesigned the format with a code.
So my bill is due September 1st so I pay it exactly on that day. I go look at my account to see if the payment went through and I see they charged me a $25 late charge. I called customer service and I tried to see what happen. She tells me that after submitting a payment after 5 pm the payment is considered late which is a bunch of BS. She then tells me it's a part of a contract that I've never seen before because I do everything online. Now I'm a little frustrated and the rude customer service assistant hangs up on me while I was asking her a question. This company sucks and they find any way to get your money... I'm paying them off and I'm going to close this account...
This bank scams you in fees because it needs the money... Aside from the initial $95.00 fee to activate the account, there's a $75.00 annual account fee. I got this card to try and build my credit, however in reading the reviews and going through my own experience, I'm led to believe that this bank is targeting consumers with low credit scores and fumbling their payments to charge additional fees. I say this because even with the extremely high interest rate, they're still not making any money off of existing balances, so the objective would be for the financially hardshipped consumer to either care more about their credit rating being affected and just submit and pay, or the report of the consumer's poor credit rating supporting this scamming loan shark of a bank.
I suspected something was funny when I scheduled my first card payment to this establishment through the bank's online customer account portal, I was very efficient in entering my account ACH information and scheduled the payment on time. However, I received a phone call from customer service saying my payment was returned. I was outraged because my checking account could verify the funds were available, and my checking account has been open and active with this nationwide notable bank for 11 years. So I just hung up on the lady because I wasn't about to submit to ANOTHER FEE for making a payment over the phone with a representative, thus admitting to them being correct in pursuing collections activity on my account.
I logged into the customer account portal to verify that my ACH payment information was entered in correctly (AS IT WAS) and re-submitted the payment (IT ACCEPTED IT). The following month, the same thing happened again. Despite the proven acceptance of the previous correctly submitted payment and saved information that I had no need to update... I still received another phone call and it sounded like the same lady; I instantly just hung up! When I logged onto the online customer portal to schedule the payment I discovered that I also received a LATE PAYMENT FEE which depleted the credit limit and pushed it over the limit so AN OVER THE LIMIT FEE was applied. In addition... I had been blocked from making online payments.
To make situations more trifling... when I called the number on the back of the card to make the payment, their automated system undermined my banking establishment and delivered me a message that the banking information was a money order and the payment couldn't be accepted. Luckily I have two checking accounts with the same bank, same verifiable routing number, and within good standing for 11 years. The phone automated system repeated the ACH account information in which I only had to enter in once and correctly, accepted the payment and provided a confirmation number. I'm completely interested in pursuing a lawsuit behind the chain of events resulting in fees with this institution, and all of the previous reviews are supporting facts.
You people need not doubt yourself because this company is minor and the tone set by their business affairs leads me to believe they feel more entitled for extending us lines of credit considering hardships and previous experience. Their intentions seem greasy as if they don't really care to help consumers build credit by sticking to the terms and conditions of the consumer agreement, and without conspiring against the consumer within those terms of agreement as a profit scam to make more money.
Was mailed a Premier Bankard credit card. Never received it. They sent another one. I called and told them my current payment was not right as I never received the card. They said they'd cancel it and move it back a month. Tried to use the card. No credit due to the original monthly charge still in place. Credit on hold for a $30.00 monthly charge for a card I never received. Told credit would be released after I paid the charge. This is after a $90.00 processing fee and $125.00 in more processing charges. With the $30.00 fee I guess I'm forced to pay, total paid $245.00 to get a $500.00 credit card that the day you receive it has a $375.00 credit limit. Outrageous. Don't ever get involved with these people. They’re crooks!
I decided to get this card to help build my credit. I set up my account and scheduled my first payment. However when I set it up one number was incorrect on my bank routing number. I called the bank as soon as I saw it didn't post and made my payment which was DBL the amount due. The lady accepted it and asked if I wanted to pay off my card. I explained, "No I need to make monthly payments." The next week I went to use my card and found out it was closed. I literally had the card one month and corrected the information so there would be no problems. Even explained the error which they could see. Yet they say my consistent late payment is why it closed... How the hell. Don't ever get this card. They will ruin your credit instead of helping. I had to send my bank statement to prove I had money in my account even at the time of the payment but then got another letter saying I had insufficient funds so the account is closed. Scam.
This is the worst company ever. They steal your money. The deposit to open the account is non refundable. Then the annual fee is due immediately after you sign up for the card. Your bill comes before you receive or use the card. NEVER GET A CREDIT CARD FROM THESE PEOPLE!!!
Run from this company... First Premier Mastercard is a joke and scam. They closed my account due to making two return check payments. The problem was this was the first time I ever used the credit card payment as an ACH draft and I was told to schedule a payment to do it on the app. I did make a payment for 50.00 and then scheduled next day of 200.00. Note that my bill was not due yet. So when I processed my 50.00 payment it cleared and then showed available the next day then I called the next day cause I seen the 200 didn't post and they said they would call and push it through but couldn't cause it was the weekend and Green Dot didn't answer. Then the next week was told to pay it in full and they'd waive the return check fees.
But the mistake I made is I had 1 digit off on acct number so when I scheduled my 200 on app with saved acct it made them both return and I paid it in full to First Premier. Explained it was a mistake due to I miskeyed this but in all fairness my bill wasn’t due. So now I have a closed acct. This is sorry to do a 100 percent paying customer. And every fax I sent they had an excuse. I don't understand but what I'm saying is the truth. They won't let me talk to loss prevention dept. It don't exist except if they email them. This is horrible and fraudulent to do this to a customer. The rep promised me after making payment in full that it would available after 1 business day. No other rep cares. She lied to me. But this is a disaster.
I have never in my entire life experience anything like this. This awful credit card was paid on time each month, and now paid off. I have a Capital One credit card that report my status with the bureaus each month, these idiots have not reported my payments since April, it's now July and it looks like my utilization is out of the roof. I have since cut this awful card up. I made my final payment on the account a week ago from today and it has not been posted on my account with these idiots yet. They got me this time, but it will never happen again. Crazy ** people!!!
Premier Bankcard Company Information
- Company Name:
- First Premier Bank