Premier Bankcard

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!

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 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.

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.

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.

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.

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.

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.

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.

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.)

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.

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.

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.