Premier Bankcard Reviews

It's a scam. You will not be able to use this card immediately even if you pay them a program fee. They will not contact you or help you. Do not get this card at all. I've had this card for two weeks now and I'm still not able to use it but they do not hesitate to take your program fee money. They do not care for their customers. BEWARE. Only get this card if you are ready to be out of almost a hundred dollars and receive nothing for it.

DO NOT FALL for this trick! They sent me a card in the mail and said I had to pay a 95 dollar program fee to activate the card. I paid the 95 dollars and the card doesn't work! As soon as I paid they said they suspended my account and I have a 0 credit limit. They are thieves!

I have been with Premier Credit Card for 10yrs...My payments in 10 yrs have never been late. My credit score is over 725..Never call them. I never receive any promotions! I made a call to Premier to find out some questions. The interest is very high...I start my conversation with a representative..No sooner I opened my mouth..The rep Said to me, "We are raising your card to a 100.00 more!" I told her, "100.00??" After being a loyal customer for ten yrs. 100.00 plus I would have to pay a 37.00 fee to get it..I laughed at her and said, "Do you think I just fell off a turnip truck!" I guess your loyalty doesn't matter to them. My credit limit 1.300.00..10 yrs..I find it an insult. 29.90%..The fees are outrageous. This company needs to wake up. First Premier card system Master Card..I believe it's time to move on with all the other offers on different credit cards. I just didn't fall off the turnip truck! Do your research! 10 yrs of wasted time and not getting anywhere.

I am writing this review because of the LACK of professionlism, the NON-communication and the hidden fees that Premier DOES NOT TELL you about. I have been trying to 2 straight days to contact someone at the site with 0 contact. The phone line does not WORK!!! Straight to errors. Also, please be aware that Premier charges not only a interest fee monthly but also A MONTHLY FEE EVERY MONTH REGARDLESS OF THE BALANCE... And they also charge a yearly fee on top of the monthly fee and will not let you cancel your cards.

Start this off by stating I just started today as a customer for this company!! So how it is run or how my services are, I can not say anything yet! But what I can say is it's not starting off too well when you are simply asking for help from a representative! I have a bad case of ADD and just simply asking a few questions to help me understand what the bank needed from me! And I get a rep who clearly is in the wrong department!! Talk down to me, talk like I was bothering her, like I was person who did something wrong or owed money to her or something!!!

They SELL your phone number to SCAMMERS from the Philippines. Stay away and do not allow this criminal enterprise to continue to prey on hard working American citizens. I hope that they will be investigated, sued (Class action), and be put out of business.

They add so many fees that no one is able to catch up. They also offer hardship help but you have to meet their unattainable requirements. STAY AWAY!!! I am on disability and am dealing with Extreme hardships right now, and yet I don't qualify.

If you're looking for a credit card company run from this one. They charge you a monthly rate and a Annual Rate plus a credit protection and high interest even if you don’t use your card. With a limit of $700 it would cost you double in all the fees. If you paid the monthly limit. It ends up no money deducted from your account. I wish I had read reviews first before applying. Thinking they were helping you out. They're only putting you in debt. I never had a late payment on both accounts. This is how they treat a good customer. Shame on you. Thank you.

I had a run in with their customer service. Agents are absolutely terrible. Smart mouth and just ignorant. I legally changed my name so when I gave them all the documentation that was required by federal law to issue a new card with my correct name on it the first Premier card credit card they took forever. They let the documents sit and they never went to review so I never got a card until I called them and I chewed them out but in the meantime they wanted me to continue making the payments to them but didn't want to allow me to have access. And how do I know that they're a bunch of liars. Very simple.

This card is ridiculous, around 7 bucks monthly, then you have a purchase fee when you make a purchase that’s around 10 bucks, annual fee of around 50 dollars. It’s honestly RIDICULOUS! I will pay off my minimum just to check it a few days later and see that they have charged my payment to some ridiculous fee.

Do not use the card. They are paid liars and scammers! Not legit complaint to CFPB. They put a hard pull on my credit and made an offer. They think you are desperate. Do not do it! Get a payday loan. They are wrong!

So I received a call from the company that I was late 2 days? I'm like really, I haven't been late on any credit card in a dozen years since I've gotten all my credit cards. I use them primarily for business. So I looked into it, and sure enough, I was late 2 days. This is the only company that I know of that does not do auto-pay. All of my other cards are on auto-pay. I really didn't have any issues with this company except for the fact that they do not do auto pay. As a business owner, this is everything. I do not have the time to go into all my credit cards monthly to make a payment. In this century, what credit card company does not want a customer on auto-pay? They get their money guaranteed every month on that day. So, on Tuesday, I will pay off both cards and cancel them. I don't need them, but it's like everything else, a convenience. I will just use my other cards that gladly accept auto-pay.

Their interest rates are horrible, annual fees that are no longer charged by most credit card companies and they charge you for a credit line increase. I would cancel the card if it wasn't going to affect my credit.

I would not use this card ever again. I have a First Premier bankcard and I had it canceled because of all the fees. You can never pay down your balance because all they do is add fees that you are not expecting and take away from your credit balance. After they do this they have very rude customer service representatives that like to tell you what you have to do. Also, they like to add fees and put you over your credit limit and then report it to the credit bureau as if you have made charges to put yourself in overdraft. This company is horrible. I will never use their credit card again.

Please never get this credit card. I have been paying mine off for over a year now .&&. I have paid triple of what I actually spent. $20.00-$30.00 interest fees plus... $12 monthly fees. Wherever they can add a fee... They will. Disgusting inhumane thieves. 0000.0000 💥🔥👁️🧿🪬💫✨

I received my Premier credit card after noticing the extreme fees. For a $500 credit line I was asked to pay an initial $54 fee + $8.25/month just to hold the card. After the first year, the fee increases to $10.40/month. I rejected this card without regard to my credit report. Consumer beware! This is a trap for the desperate. No matter your creditworthiness there are better options. Do your research!

Worst company on the planet, I tried to pay my bill with their app, it keep getting returned! I called. They said the routing number was wrong, went to the bank to verify the routing number it was correct, then the app finally took the routing number from the bank as the person at the bank helped me, but then First Premier said the acct number was wrong, the lady at the bank got on the phone and told them it was correct! They insisted it was wrong, so I paid off the card right there and then cancelled it, when I paid the First Lady she said it was all paid off, and she would send me to the cancellation dept, when I told them to cancel the card she informed me there was an 8$ fee, I told her to get lost and cancel the card right now! NEVER EVER USE THIS SCAM COMPANY!

Absolutely the worst I ever seen..I received this card in the mail and when I looked closer to the rip off scam I called their customer service and told them, "I don't want anything to do with you. You should be ashamed to work for these crooks." STAY AWAY FROM PREMIER BANKCARD.

If I could give 0 stars I would. I opened this card a little over 5 years ago. I gave them a $300 deposit and never received my money back. I continuously used the card until it expired. Had a $4 subscription that kept being charged even after the card expired and was never sent a new card! Locked the card and the subscription still kept being charged. The annual fee is $75 and they hit your credit if you misstep any but won’t correct any issues brought to their attention. I literally haven’t received a new card since 2023 but yet they plunged my credit 100 points because I can’t pay $75 for a card I don’t even have in my possession! I do plan on speaking with lawyers for damages and lost wages.

This company is absolutely horrible! 200 characters is not enough to express how despicable I think they are. There is not enough room to cite the specifics. I'll just say, AVOID AT ALL COSTS. ZERO STARS.

Terrible company. Check your statements and your activity log. They do not put all of your transactions on there then try to tell you what you have or don't. When you bring it up to them they try to give you the runaround on what they do and don't do. If I didn't need these accounts to show revolving credit on my credit report I would just cancel them. I have 2 credit cards with them and I even had my cpa review the records and since I keep a detailed log of what is paid and what isn't and dates with amounts you never see half of it on their statements or the activity log. I have been fighting with them for 5 years over this and it's ridiculous. Not to mention their fees are ridiculous constantly going up as well as I proved they charged me the annual fee 2 and 3 times a year and they're refusing to even acknowledge this as well. My cpa is meeting with my attorney to deal with this.

The worse credit card company I’ve ever encountered. Customer service rep rude manager is rude and unprofessional. Save yourself. Find a better company. I ended my terms with them immediately. They are a rip off.

This card company is absolutely horrible. They have the worst rates available and the customer service isn't helpful at all. They are solely about collecting a monthly fee. Do yourself a favor, look elsewhere!

I look at my bank account and saw it was overdraft, Premier Bank Card took double payments out of my card saying I did that myself. They are telling me I paid 40 dollars and the 7th, when I looked at the site it said I owed 51 Dollars and when I paid it the site said I owe my next month's payment on March 8. If I paid 40 on the 7th why wouldn't it say balance 11 dollars on the tenth? I saw 51 and that's what I paid. I never authorized any one to take 40 out of my account, she's telling me I paid twice myself and refused to put those 40 dollars back in my account. I am cancelling my card, their reviews are horrible. 1's down the line, all bad reviews. I never saw a company with all 1 star reviews so stay away from these thieves.

Premier Bank sucks!!! If I knew what I know now, I would have left it alone. It takes years to pay off the interest alone and now probably 4-5 years to pay off remaining balance. This company needs to be out of business.

Don't waste your time supporting this company, you will see fee after fee, you won't ever be able to charge anything for yourself, once you activate it, you're charged a yearly fee, then a monthly fee every month, then interest on your fees. This is a joke.

I can’t give zero stars. This company is a joke. First they charge an annual fee and then they charge a monthly fee. When their competitors are giving 0 annual fees and 0 monthly charges. Keeping track of the random charges is an inconvenience for anyone and the way they slide it in is shady as well. You won’t get notified until your payment is DUE. No notification prior. It’s just there. And when you’re late one time they will report straight to the credit bureau and your score will drop 50 points. Even if you have no revolving credit with them. It’s their way of saying we want people who spend their money with our card and rack up interest. And we want to punish those you just hold on to it and not use it. Do yourself a favor. Close your current card with this company and get a new card with zero annual fees and zero monthly payments. You’ll thank me later. And if you’re considering getting a card with Premier, don’t. It is a waste of your money and time!

This review is not specifically for Brittany. This is for the company as a whole. I don’t understand how a business can operate in a way where I can get 4 completely different answers from 4 different people within the same hour. I paid off a delinquent account on January 22nd. I was originally told after I paid it off, it would release the hold on my other card when the payment clears. Yesterday, January 27th, I tried to use the card to bay a bill and it was declined. So I called to figure out what was going on. The first person I spoke with spent some time time looking into things before telling me she found the problem and was able to fix it and the balance should now be available on the card ending in 3627. She also informed me of an electronic letter that I received, which I was able to locate, and it was a record that the other account had been paid in full and the hold on 3627 had been released on January 24th.

I have been a premier customer since 2020. It was great when I needed to get my credit started again, however the interest rate and monthly fees are ridiculous. I used my card and paid the balance off which stayed at $0 for several months still getting the monthly fee. I signed up for the credit card protection plan. I lost my job and almost 2 months going back and forth with them to approve the claim. Being told that while I wait for approval I still need to make my payments. What a waste of time and money. I don't recommend this company to anyone. If you are looking to start over with credit please, please, please research before you jump in.

This is a horrible company to get a credit card with. I had a card with them for over a year and when I moved stated they closed my card without reason. They then lied to me about the payment process and are now charging me more money for a card that I am completely unable to use. Absolutely horrible customer service. If they offer you a card send it back immediately. The one star is too high for this company.

What a bunch of scammers. They charged me an account set up fee of $95 and then charged me $75 before I even received the card. I tried to cancel the card even before I received it and they told me that they will put a negative remark on my credit if I cancel the card and that it will take an additional 7 to 10 business days for them to refund the money to the card I paid with. We are all better off without Credit than dealing with rip off companies like this.

This has been probably the worst banking experience I have ever had. Their customer service is not personable at all. They don’t even pretend to be friendly. If you haven’t made your payment the morning of, they’re calling you all day long. At first I appreciated the reminder but then it got borderline harassing. For a secured card… was bizarre. The amount of fees they charge you is unbelievable! So I have to pay to secure my card then you’ll charge me 95 for my membership fee. So by the time I receive my card I’ve already put my several hundred down and have lost $95 in credit...

This is for everyone who plans to sign up with this cc company. Just know that they do not tell us customers that they lock the card when you miss just one simple payment and are not allowed to use your card until you at least make the $30 minimum payment. However I never missed one payment and I had even paid it off once. Then I used it again one time and kept making payments without using it again, but this month I lost my phone my wallet everything in it so I got behind in pretty much in everything. I called to clarify and they kept insisting on me paying the late payment after I told them I don’t have the payment till next pay next week, I also insisted to speak to the office manager and he refused to also do that. I recommend another cc company because this one is absolutely no good at all!!!

I am extremely dissatisfied with First PREMIER Bank’s credit card. The interest rates are exorbitantly high, and being just 15 days late on a payment led to my card being blocked without prior notice. This is unacceptable and reflects poor customer service. I do not recommend this card to anyone.

Hello. This Holiday Season. I have been Premier paying customer since April 28 2021. And only been late one time. This month. I really don’t appreciate a phone call on Saturday morning at 8:24. Period. What sick joke.

The company is not to be trusted. Had the card 3 ½ years. The relationship ended when the merchant I bought from *Target* voided a transaction for me on the 29th of October. Premiere went through with 2 transactions, barely anything. Instead of helping customer service decided to be combative and tell me if it didn't go through, there wouldn't be a charge on the card. They didn't even reach out to Target but charged me for each dispute.

My cards were both paid in full & I had credit balance due to an overpayment. They sent me a check & started charging small fees on cards with a zero balances. That was followed by late fees & late fees on late fees. After racking up about $200 over 3 or 4 months, they turn me in as a delinquent account & ruining my good credit. My accounts were paid on time by automatic payment & this is appreciation I got. A drop in my credit score by 115 points once my accounts were paid off & I worked so hard. Sad & disappointed with our system that this can happen. They say closing accounts is bad for your credit score but so is leaving them open! Beware!

Horrible customer service every time. There is no auto pay so people with short term memory loss like myself always get screwed with late fees. You know what they said? "Remind yourself on your phone." Well sorry sir I have a flip phone. I was in an accident causing short term memory loss. All my bills are on auto pay. They purposely don't so they can try and get you on late fees. I hate them so much.

I just used ny Premier Card to get gas and it worked fine. I tried using it at the liquor store and it was declined and wouldn't even work at Walmart. Their customer service isn't working on weekends. Not happy.

This company sucks! Do not get a credit card through them, I thought I was building my credit by getting their card and the turned around and almost immediately shut my card off and then has the nerve to cancel every payment I try to make on it and then charge me all these fees and fines! I'm over it! I did not deserve this. I work a full time job. I pay my bills on time. My credit WAS going UP until I got their card. Don't do it! You WILL REGRET IT!