Premier Bankcard Reviews

They will charge you for any and everything they can get away with. Very high interest on every purchase and late fees. They charge you monthly just for using your credit card. Lenders and anyone who works for them are sums of the earth and play a huge part in why the economy is so bad. They want you in debt. The average first time home buyer age has risen to over 40 and POS lenders like Premier have everything to do with it.

I used to like this company, but after two failed attempts to transfer money from my bank account, I'm done with it. It takes up to 20 days to transfer funds, and the last time that I had issues with it, it adjusted funds and erased what was on the credit line to 0 for some reason when I had money in my bank account to pay for it earlier in the month, so why would it not pull then? I have bills to pay. I switched to Atlas. Also, the app isn't the best to navigate. I do not recommend.

Hidden fees. Felt conned like they stole money from me. They don’t have any of their fees down when applying for their card. I don’t recommend anyone to apply or use this card. If you have it pay it off and cut it!

After taking 1080 bucks I was behind on payment, they closed my account randomly. No warning. Nothing letter. No email. Nothing. Just didn’t see it anymore after they took my money in the day before Thanksgiving. They DO NOT CARE about their customers. I’ve been with them for years.

I was wrong. I assumed they closed my account and they didn’t. It was something fraudulent going on and since I don’t check my mail I didn’t know. Premier did and was helping. I am truly sorry.

Constant mail to my house from this company. Sick of it. Desperate for customers. Advertisement for 600 dollars and disapprove the application like boom when 600 ain't nothing. Why waste the paper to send the shit. Oh like ambulance chasing lawyers need the customers. Pathetic. Don't even waste your time. Go to the well known ones if you're looking for a card.

By far the worst card I’ve ever had! My limit is 1000, I used the whole 1000. I paid the whole amount off. They blocked my card as I’m out using it. Which I used 400. So now they sent the 1000 payment back to my bank. Smh. It looks like I never made a payment on the account and now I’m over my limit 400. They told me to send a bank statement to verify that it’s my account. What kind of scam would I be trying to pull by PAYING THE CARD OFF???? I was trying to build credit instead of just paying for everything with cash. But at this point I’m closing this account. I DO NOT RECOMMEND THIS CARD TO ANYONE!!!

This is most rip off credit card company I ever seen. I still don't understand why they are still in business. They charge yearly and monthly unnecessary fees. Please look for other companies even if your credit is bad. There are other creditors who can help with reasonable terms. The consumer affairs need to do something about this.

Idk how many times I've advised them not to send my information through the mail for personal reason, first Premier Bankcard still does it. They're charging me interest on a card that is outdated. I've noticed this company keeps trying to put me in hardships.

If only people were set up for success at the Premier Bankcard Platinum Master Card offer of acceptance, then I would like to set a goal of how much I would like to projected income would be in order to pay the money back. That would be better to have encouragement, motivation, and incentives wanting to earn. For those who are starting in their business venture, this may be daunting seeing or hearing money being offered but not really getting a valid chance may seem upsetting to others like me. Seriously, I was appalled how was I mistreated unfairly thinking I received a confirmation number and a pre-approved status in a letter from the mail. I could not believe the results. What were the results going to be like.

If I could give zero stars I would. They shut my account down because I paid my bill twice in 1 week. Then it takes 20 days for your money to reflect on your account if you pay from your checking account. Never again.

So I’ve been a customer for 2+ years with the first Premier Credit Card. I thought I had a problem today when I looked at the mobile app and notice a $29 late fee for payment so I called in and talked to Jill and she told me that I was only a couple hours late and she could take the late fee off… Thank you Jill.

The First Premier bank is a joke who thinks they are on some higher level for luring in people with bad credit, then absolutely burying them with interest and reporting to credit bureaus like they are stand up people in society. Avoid them at all costs. Everything adds up and you are better off being broke than getting into more debt with them. Look for other viable options, they are out there. Get a credit karma account and have them help you. They will never recommend this bank for a reason. Don’t be desperate, be smart. Do not sign up with them.

This company is getting sued for the settlement amount since they are unreachable to discuss this. My stress isn't worth this! I no longer have my credit card. They only redirect you with the card number. I no longer have that so we will see what is said In Court.

First Premier Bank issued me a credit card, designed to assist with building my credit. This institution imposes numerous upfront fees, approximately $200.00, resulting in an immediate payment of $30.00. Based on my experience with credit card companies and banks specializing in credit building, First Premier Bank appears to take advantage of individuals seeking to establish or improve their credit, often without their knowledge. Various credit products and cards are available to help consumers enhance their credit profiles with more favorable credit limits and lower fees. I find it surprising that First Premier Bank continues to operate in 2025, charging numerous fees. I strongly advise against using First Premier Bank's services.

Recently, as last Friday, I was checking to see if they had received my payment that was a check I had sent 2 weeks earlier (this was a second time I was checking !), they had not so I assumed the check was lost, (I stopped payment). I decided to pay my bill on the phone and saw they had charged me a $25 Fee plus and additional $29.52 interest for 4 days past due for a $2136.94 bill! After talking to Nathan who absolutely had no idea about my account and its detail, he connected me with the supervisor Kristiza, she kept interrupting me and when I asked her to stop repeating the same thing over and over and listen to me for a change she would get mad and put me on a long hold as long as 5 minutes repeatedly hoping I would hang up!

Do not ever apply for or open this credit card. You will regret it. This is the worst credit card company I have ever dealt with. They should be out of business and not allowed to operate. They charge you fees for everything and the highest interest possible. An annual fee $79.00 or higher, 36 percent increase rate for cash and regular purchases. A $25.00 fee to increase your credit limit $100.00. A month fee ranging $8.00 to over $12.00 on top of the interest your paying monthly. I closed my card and was paying it off monthly for 2 months now and now I find out they are illegally trying to charge me an increased monthly fee because I just reached my annual year. It's very illegal and very sketchy credit card company. DO NOT GET THIS CARD.

I had this card 2 years, my credit is fair, I have other cards with nice limits with no fees or very little, I pay on this card in chunks & they just take all the money back off & leave you with little to nothing!! It’s like you giving them money to spend your money early, but take more, I’m just go stop paying & pay on my other major cards I use!! This card isn’t worth it, better check your balance everyday because you’ll be embarrassed if you somewhere!! I had 200, I been stop using this card, they snatched it after taking fees months ago!! With a 700 dollar limit!! I be damn you keep stealing my money, just put it in the bureau. I can afford it but you will not steal from me again!!!

I highly recommend staying away from Premier Bankcard. This company is a scammer in the way they charge fees and take money in different ways that you don’t expect. They make it sound like they’re helping you build credit, but instead they drain you with high fees and unfair practices. Don’t trust this company — it’s not worth the stress, frustration, or the money they take. There are much better and more honest options out there. 😡 Very disappointed.

This is the worst credit card I have. Making people pay a monthly installment fee, AND an annual fee, AND making them pay both up front right away, is absolutely insane. I don't like the way the card functions either, and good luck finding anyone to help you with anything you need assistance with. Do not get this card, it's not worth the credit line, I have better cards with the same credit line and I don't have GREAT credit, but fair credit. Again literally how dare you and where do you get off charging any kind of monthly fee for your bs.

Unbelievable interest rates on Card, monthly service fee, and repeating EACH month previous purchases, and cash withdrawal fees. I pay over the recommended min fee each month, and I always get charged with numbers over the limit. If you're using this card, pay it off, and then cut it to pieces.

DO NOT GET THIS CARD! I've had nothing but problems with this card since I've had it and they are growing even worse. Too many fees, you can't use it in a foreign country, and they will actually allow you to use it above your credit limit, raise your interest rate and come at you for the full amount. As soon as I pay it off I'm cancelling it, I don't care if it screws up my credit. I would rather deal with that than go on using this company.

This card is very bad news. I canceled my card in Dec 2024 and cut the card up. Well they didn't cancel the card like they were asked. Now it's August 2025 I notice my credit score took a huge dive so I look to see what's going on and found out they were charging me and sending a bill to an e-mail I no longer had. I call them, they finally canceled the card but I had to pay the charges for the monthly fees. Now keep in mind I asked in December of 24 to cancel the card so I pay the monthly fees and ask to have it removed from my credit report. They say, "Sorry we can't help you because we report factual information." I again stated I didn't have the card, had no idea the account wasn't canceled like it should have been and had now billing. Their response, "Sorry we can't help you are you." ** kidding me so now I deal with a credit score in the tank over something they screwed up and can do nothing about it

PLEASE DO NOT GET THIS CARD!!!! I canceled my application because of the $95 charge and it just didn’t feel right, now I know why. I decided to google this company and check out the reviews. I’m horrified by the amount of negative reviews I’ve read. I just got a notification that my new card is on its way!!!! I’m mad asf!!!! And terrified of the impact this card will have on my credit. I don’t even own a credit card because I’m irresponsible with money and now I’m afraid I’ll be stuck with a card I don’t want.

I highly recommend NOT going into business with Premier Bank Card!! They've been the worst credit company I've ever encountered for the following reasons: monthly fees/high interest rates, wrong due date on app making it hard to track when payments are due, condescending customer service reps when I needed assistance (esp. regarding their incorrect app info at which point the rep spoke to me like a 2 year old trekking me my payment date repeatedly without offering any resolution for correcting the date in their system), unwillingness to waive fees even when caused by misinformation on their side AND after I canceled card and paid in full with a live assistant last month, I'm being hounded by them 3 weeks later for my remaining $50 fee. This company is a proven waste of time and money! I don't blame the reps for hating their jobs and being awful, but I sure wish I'd never had to speak with them in the first place. I hope this helps you make an informed decision. For reference, I've had 4 other credit cards for the same length of time or longer with no issues.

2 stars at best. I would not recommend this card to someone.

Bruno and agent over the phone was very obstinate and distant. Unfriendly! Condescending. What else. Racist which is strange because I’m ** by definition with melanin. Didn't appreciate his customer service. Was very poor. They sent the survey to my email and I missed the the survey lte frame that could of been on purpose but here I am! And the info on my card account is always wrong and find myself disputing that all the time! And a few more things they did but won’t get into fees compared to other offers are less than desirable. Will be moving in soon but card come in handy at times. But need better CSR people in my opinion!!!

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.