Premier Bankcard Reviews

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!

I was extremely precautious and worried when I first connected with Premier over 6 years ago bc I had never heard of them and they don't appear to have decent ratings. But reeling from a bankruptcy years prior, I was anxious to start reestablishing myself credit-wise. Premier was the first company to extend a credit card to me at that time. The Interest rate was and still is astronomical but that was to be expected. They have given me the opportunity to increase my credit line as I build time and good payment history with them. I have consistently received great Customer service from them which was the most unexpected positive feedback I can give. I'm treated with respect, kindness and due diligence.

First Premier Credit Card is breaching original contract by increasing the Interest Rate or APR from already High rate of 28% to outrageous amount of 36%. They are doing this during a difficult Economic time for most people especially those of Low Income. Credit Card companies, Landlords, Etc should not be able to breach original contracted rates at their leisure

I have no account or debt with this company. I’ve never heard of them before but now they call me nonstop from many different numbers. No voicemails or mail. I block one number and another pops up. Don’t sign up for a predatory credit card or loan with this company. Based on the harassment I’m receiving and the numerous negative reviews and complaints should tell you enough that anything to do with them will be a truly horrible mistake.

Premier Bank approved credit card $700 09/05/2024 and I paid application fee $55. $79 annual fee later. I never got my credit card but $55 was charged in few seconds. Sooo.... no updates, no messages, no email... Nothing!!! More than 1 month. I was lucky yesterday after 35 mins to reach customer service representative name Erick that has absolutely no professional skills. This rude man asked me to send the copies only by mail!!!! of my SSN, ID, bills, etc. Are you ok there? Every day we are seeing how many fraud, identity theft, scam around. Erick said they don't accept electronic identity proofs. BTW the credit card was approved 09/05 and paid. How is possible? How is possible to send in 2024 so important copies by mail to bank with very bad reputation? I just got card balance $700. But real balance after all fees will $575. Now I'm waiting for $55 back on my credit card BofA with balance 7k. Just avoid this stupid bank!!!!

Be cautious of this banking entity. I was given a credit card offer through Experian. I decided to go ahead and accept the offer. When reading the details there was a one time program fee of $95 due before you can use the card. They do this and ask you pay it immediately before you see the real fees. I was able to schedule the payment out as I wanted to see the actual details in the credit card packet. As I had feared, the bank had already billed $135 fee to the inactive credit card for a yearly membership fee. This was not detailed in the offer. They made no reference to it and worded it as though all you had to do was simply pay that one $95 fee. What a joke, $250 just to open an account with a sub prime lender, no thanks. Additionally they interest rate they are imposing is above my state's max.

They charge you a membership ship/account fee of $99.00 for $300 credit limit but only make $225.00 available to you... LOL you have literally paid twice $99 for membership and $75 for ?, you ask them and they advise you it's fee charged for processing application of the card LOL. Let's not talk how I purchase something for $200 dollars and any payout off with in 3 days, they will still hit you for 35 percent interest charge even though you paid balance of why you charged before 14 days... DO NOT EVER USE this Cricket, scam of a company to establish your credit. Get your score up to at least 585/600 and get a Capital One card to establish/rebuild your credit.

I get it, most interact with Premier due to not so good credit, and honestly, I am grateful for their role in helping me in an attempt to better my score. Yes, the interest, as well as all the fees and what nots on the way are outrageous. But nothing as outrageous as their customer service. WOW! I understand we all have our days, but EVERY premiere representative I have spoken with truly needs a 101 in customer service. It's one thing for their fees to be thru the roof, like I said most of us are with Premier to improve credit scores. At this rate though I am starting to wonder if it is even worth it.

Never received card and there is no way to contact anyone at customer service. The company appears to be a scam. I will be reporting it to my bank as fraud. Hopefully others will do so. This wire fraud and law enforcement should look into this

Do not get a credit card from this bank. I was charged $99 dollars just to use this card and my credit limit was only $300 instead of the promised $400. They also added an additional annual fee to this card which is another $99. When I contacted customer service the lady was rude and cut me off almost immediately which leads me to believe that they’re so used to upset customers she assumed I was one. Do not waste your time.

I was in a bind due to my own doing. But I worked hard, got my credit up and at the time Premier was one of the few that would approve me. I paid on time and eventually had my balance at 0 for over 6 months. I had a life event happen (my son was in a horrible accident and almost died). I totally forgot about the monthly fees on this card and missed a payment. They immediately dinged my credit. They wouldn't work with me even though I have paid and miss a monthly fee. They do not have any type of auto draft (which I think is on purpose so you will be even more likely to miss a payment). They are predatory at the best. So beware.

Premier Bank is a money trap. I paid my card off. They attached late fees. I was calling and trying to log into my account to clear them up. Then they sold my account to a unknown creditor. And put discharged on my credit report. Trap!!

Do NOT go with the Premier Bank Credit Card, their annual fees should be illegal. This is as close to a scam as you can get! BEWARE, if there is an attorney interested in discussing why they should have a class action lawsuit contact me. Even their mobile app doesn't let you set up automatic payments like 99% do. That way they can continue to charge their excessive fees. You've been warned!

Premier credit card is a scam. They charge outrageous yearly fees and $14 a month maintenance fee. None of the customer service representatives can explain what the monthly fee is about. Please stay away from premier bank card!

Premier Bankcard I do not recommend it to anyone. The interest rates are too high and out of the 9 cards I have the only ones that are not considerate are them. I had my debit card making direct payments but I lost my debit card and when I realized that in 2 days I paid double and they reported it and lowered my credit by 44 points that is not being considerate. I had my debit card and I lost my debit card and because of a promissory note in 2 days I paid double and they reported it and lowered my credit 44 points. That is not considerate. The first time a late payment comes out my other cards don't report it until after 30 days. Today I call, pay the card and close it. Human beings work hard to raise their credit and you are quick to lower it. You can't charge high interest and also not be considerate. Att Lee **

Worst card ever, do not use, not even to fix your credit charges for everything, tried to cancel card, got threatened if I did, would ruin my credit they said. Worst customer service ever, do not use. Worst mistake I could have made.

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.

This is the worst card to build your credit people. This is a warning. DO NOT GET THIS CARD. They will destroy your credit instead of rebuilding it. I call to make a payment. They never take it on time. When it makes you late then you have a late fee. Worst customer service in the world. Every payment I make it brings my credit down. When they bring your credit down it's not like 3 points they drop it 32 points or 40 points. Trust me if you want to rebuild your credit don't do it with this company. I would rather get Capital One to rebuild my credit. Save yourself from getting in a worse situation that you're already in.

My account balance was going up so much. Even after I closed the account. But I have to say, First Premier reached out to me with an amount I could handle. I now have it paid off. I want to thank them for helping me get that off my credit and working with me.

I started off with this card because I wanted to rebuild my credit and for other sentimental reasons. After the recession, I did not want to get involved with any credit cards, I was offered a 29% APR which was good, after a few years of consistent payments I noticed my monthly payment kept increasing. I called and was told my APR was 39% and if I wanted to challenge that APR % I would have to provide my initial offer letter, since I did not have it saved, I went along with the 39%. Then I began to notice missing payments and I am deeply regretting my relationship with First Premier Bank aka Premier Bankcard, and have considered and concluded finally to cancel this card and make payments to clear the balance eventually. It was a horrible experience for me. It's almost as though I was retargeted to create the same experience. I will never recommend First Premier Bank to anyone.

They don't update your credit report. They don't release your available credit and they're just there to collect monthly payment. Don't go to this second chance card. No customer service person you can talk to. I checked. They want to mail your complaint.. So old school.

They are the WORST credit card company I have EVER dealt with! They charged me $58 and change in fees which put me over my credit limit so they could turn around and charge me the over the limit fee. Pitiful. Then I get transferred to the “closure dept” where I finally try to close my account. I am informed that they will keep charging me this positively ridiculous interest and fees for whatever all until my balance is brought to a zero balance. I don’t know about anybody else, but I can’t afford to be played like this. Don’t do business with these people. They are shameless.

This company has been changing me a interest rate and monthly fee on a closed account. This is the worst company ever and credit karma should be ashamed for allowing this company on their website. This company is fraud sighs anything with is sighing your rights way. If anyone can see this Don’t get on business with this company. They will Rob anything they can from you.

I have had Premier for a while now. I have a balance, but should have a large enough credit available to use. The money has already hut my regular bank, but yet, they are holding 90.00 and not putting it to my available credit. This is pretty much theft. I was told they can hold these payments made unto 20 days! Excuse me! If I've paid on my balance it should be available with in 1-2 days max. Not 20. What is wrong with this picture? With today's technology, and how fast thing go, this should never happen. Premier is about to lose me as a customer. I have another credit card with another company, and never ever has this happened. I make the payment, it hits my account, it's available the same day it's recieved. Not held! Premier get with the program!!!! Wow! Shame on you!

I've had this card less than a year and it was my biggest mistake yet. Besides all the extra charges and such on the app it will say they've taken your payment from your account and it's being processed your balance will lower and everything BUT IT NEVER TAKES THE PAYMENT. It takes close to a week just for the payment to come out of your bank account even though the Premier app clearly says they've already taken the money so you think you still have money to spend. NOPE. Then premier charges you extra fees for not paying on time when they're the ones that made it look like you've already paid. Not worth the hassle. Will not be continuing with their card. Didn't even want to give one star

Only had this card for a week and what a headache. Could not get pin to work and call at least 7 times over the week and each time they had more excuses and all my fault of course. Last call I just cancelled the card. They said I overwhelmed the system.

The worst experience I've had with a credit card company ever. Essentially they are engaged in a big fraud scam. I applied for and received a credit card then I purchase a couple items and paid off the balance immediately along with the annual fee. Surely thereafter I was unable to use my card and it was declined. Being that I'm busy I didn't have time to sit down and go through the endless voicemail to get in touch with somebody. I looked online and my account looked just fine with no balance outstanding.

This has to be the absolute worst credit card bank. I’ve had their card for 8 years and decided I no longer needed or wanted it. The yearly fee of $89.00 on top of the monthly fee of $8.00 should be illegal; especially when there is a zero balance. It took me 17 minutes to go the automated prompts, another 3 minutes to another ‘card specialist’. This lady was ADAMANT about not wanting to close my account. She said “we can refund you $45.00 of the $87.00 yearly fee”….Really? Then why didn’t you do that before I called. It was another 3 minutes of basically arguing with this women to cancel my account. DO NOT OPEN AN ACCOUNT WITH THEM!

Please stay away from these useless people, they take advantage of you and rip you off on rates and fees. I have been with them for over 8 years and they would not help with the monthly fee even though I have paid the account off in full.

I was charged for services I never received from the company. The company also allowed me to be charged by another so-called company that was out to scam me too. Of course, they offered me no reimbursement either, and it occurred twice.

I was a little late on a payment, they called me around the clock from different numbers. They are like loan sharks, I got 100 calls in a week being late, I will pay it off and cancel my card. THE WORSE CREDIT CARD COMPANY

Don’t bother with this. Outrageous fees and make it very difficult to make a payment through debit card and since that’s the preferred method of payment from customers it’s a trick to make hard to pay, they don’t offer automatic payments, obviously bad financial practices. Charged me late fee because of time zones (paid same day was due!!!). Government will soon stop this non sense. These are criminals with a mask of financial services. Horrible customer service. There’s really nothing good about this.

Really, really bad. I called their customer service and they don't offer automatic payments. They only offer "recurring" payments and you need to jump through hoops to set it up over the phone, and it needs to be set up again every few minutes. This is set up in a way that purposely encourages you to miss payments so they can collect fees. Awful.

If you do not have a checking account. They make it near impossible to make your monthly payments. I tried using Venmo, had the funds available and was still charged a $28 fee plus a $28 late fee. Besides the ridiculous start up fee all to try to build my credit. It is not worth it. Will be paying off ASAP and canceling.

Run from this card! I recently closed my card after 5 years of service. I received a notice through my Capital One Creditwise reporting I had been flagged for a derogatory late payment on this card with a zero balance. Turns out they had added an additional annual $90 charge to my account unknown to me and separate from the $12 monthly fee I was already paying. No notice in the mail or phone call. Just a letter under my account notifications upon login (and I am not paperless). Turns out with more research my APR had been increased to 36% as well! 36% for a card that never goes over 50% usage and is paid off on a regular basis. Predatory lending at its finest.

So I wasn't too happy about having to pay a fee ($95) to use it but whatever. I make my first payment, no available funds. Next day go to USE the card and it gets declined. So I call and speak with a manager and they tell me after 5pm paymets basically take 48 hours to process. So you mean to tell me I can make my payment on time but I can't use the card? But if I make my payment late, y'all hit my credit report showing I was late? Make it make sense...At this point if it didn't hurt my credit, I'd close the card because NO OTHER CREDIT CARD OR DEBIT CARD payment system works like that especially when I used a debit card to pay the bill. Count your days Premier, and for anyone looking to get this one, DON'T!!! YOU COME OUT OF POCKET A LOT OF MONEY TO STILL NOT BE ABLE TO USE THE CARD!

I tried for years to get my address changed however the bank would not accept it and is now telling me the only way to do this is to come in office (lived out of state at the time). The reason the address change is important is because for several years I did not use this bank after it went from Commercial Savings, to First Federal (obvious something's up to change that many times right?) then to Premier Bank. There was a mishap by a 3rd party company that withdraw money (money that wasn't there because I didn't bank with them any longer). As soon as the funds were denied, the 3rd party company contacted me, apologized and withdrew money from the correct Bank account (use Chase, much better bank).

I Paid this card early every month although the monthly amount due was their fee as I never used the card. They also include an annual fee making you pay double fees for being a card holder. Due to the increased annual fee and the monthly fee I would say this is not a good card to apply for.

So I finally received my card in the mail and I CAN'T USE IT. Every time I try to use it, it gets declined and when I call to see why it keeps getting declined, they tell me that they don't approve payments for that business and literally it's been EVERY SINGLE TIME. Worst company and credit card ever.

This company is the worst. My first experience getting this credit card they suspended my card because I made payments with two different cards in they have to verify in it take 5 to 7 days for them too. After paying 95 dollars in they took out 125.00 for fees they suspended it after having this card a month. I was renting car to go get my grandson the next week they did this. If I didn’t look on my app I wouldn’t find out about it. I was so mad. I paid them for them to suspended it because I paid on it with two debit cards of mine. I hope I don’t lose my 222.00 dollars of the rental car.

In September of 2022 I received a notice that HSBC was being purchased by Premier. I was told I would be sent a new Credit Card and I needed to do nothing, as my Credit Card of almost 4 years had been with HSBC. I received nothing but the new Credit Card and instructions to activate it. No updated TOU, no updated interest rate structure, just the card. But, when I did my usual Bi-monthly credit check I found that they had done a hard credit check on me on November 30, 2022. I did NOT apply for any credit, nor a credit limit increase from Premier. They just did it. I know it's only a few points, but that stays on my report for 2 years.

Premier Bank credit card has to be the WORST decision I've ever made! I pay all fees, the $95 "process fee" $6.50 month "yearly fee" processed monthly. I paid the $95 as soon as I received my card. *** I paid my 1st payment by ACH checking because it was the only free way to pay. THEY PUT A HOLD ON MY PAYMENT!! What company puts a HOLD on funds you're paying them with! Because of the hold of 6 to 20 days, of course, if I don't make another payment it will be considered "LATE"!! I guess so they can charge me a LATE FEE. I wasn't thrilled to pay all the fees in the first place but this is ridiculous!! Hold on the payment! Come on!!! I'm closing this account. I only got this damn card to improve my credit. Anyone who gets this card please BEWARE, read the types of payments that are subject to holds. There is more than 1 type of payment they place a 6 to 20 day hold on. So stupid on this bank's part!

I got a 200 dollar credit limit. Paid 95 dollars to get started... A month later card finally arrives. I can't even use the credit limit because it's been all used up with their fees owed already...in which they were suppose to waive first months fees since my card didn't make it in the mail until almost 30 days..so I closed my account. Told them to refund my money...and all they refunded me was .70 out of $95 and still charged me for the $50 annual fee and additional card holder that was added to my account that I didn't even add to my account as well which was $29....and then shorted me $15 that was left over from the $95 I spent to get it all started...

I had an HSBC credit card. My card was paid in full and a zero balance for roughly one year. In the summer of 2022 apparently, HSBC sold my account and info to the company. They mailed a card snail mail and it was stolen. This happened between August and September 2022. In September 2022 the card was used (in person) at a dozen or so stores outside the SF Bay Area. The creep thief was able to download Premier's app and change my contact info (email and phone). They began a spending spree. In two days racked up roughly 4600.00 in charges. The fraud alerts were going to the new email and phone which I didn't get.

This is a 100 percent Real Person and Review of First Premier Bank Credit Card. Since I'm not New to Credit and the System at all. Let me break it down to help out. If you never had a Credit Account or Choose not to build Credit or made some Mistakes and develop Bad Credit. They probably will approve you without a Security Deposit. But then you have to pay 95.00 upfront to access your available Credit. They bill your annual fee also. Mine was 125.00. That reduces your available Credit. So if you have 700.00 Limit it's really 575.00 available Credit. Then your Cash Advance is only 70.00 for the first 3 months. If you pay on time after then it Half of your Credit Limit. So mine was 350.00.

Hey, I had issues with my credit card. Well I always put all my credit cards on auto payment and for the past two months none of my payments for this card were made been one of the cards had a $8 dollars charge in the other card had a $30 charge. The bank did not notify me that my auto payment was off even though I had it on, due to the constant update of their site auto payment was turned off, and I was not notified about it being that I had two months of negative non-payment on those two accounts, and they submit it to the credit bureau and I had negative remarks on my credit. I tried to work this out, calling them and making sure if they could do anything to get that negative remark removed but they told me there was nothing they could do so I ended up canceling both of my cards with this bank so I would recommend everybody to not open any accounts. They are not willing to make their wrongs, right.

I finally gave up after six (6) attempts and just asked them to cancel. AND STILL GOT CUT OFF!!!

I opened my Card in January 2020. I was never late. I went to the hospital in an emergency ambulance in August from an accident and was there for over two months with a broken back etc. During my hospitalization period, they charged their $8.25 monthly fee. They placed a 30 Day late on my credit without any notification. This Credit card will ruin your credit without you even knowing. They are supposed to help rebuild credit, what a joke.

This bank was previously HSBC. Hold times are over 30 minutes. When someone finally answered, I told them I did not want or ask for this card. The Customer Service agent transfers me to another dept just to cancel the card. After holding an ADDITIONAL 20 min, I asked why it is so difficult to cancel? I received a text message after hanging up, "** you **." UNACCEPTABLE.

This company is absolutely horrible I get approved for Credit limit of $500 but in all actuality it’s $375. So first red flag never received the first card they sent so I had to call report that card as lost and get another. Finally new card arrives and I get all these emails saying pay your $95 program fee to have access to my available credit did that 2 days ago still no access to my credit. Now I called them and spoke with two different people giving me two different answers. The CS is horrible the second rep sounded like she was literally smoking on a bong talking to me she told me in the computer it said my card would be available for use on the 27th of November that wasn’t true cause still not able to use the card. I’m gonna cancel this card and demand my $95 dollars be refunded. Stay away from these crooks. They are not here to help in any kind of way.

The credit card company sends out the credit cards already activated because they charge a $29 fee upfront. The card never arrives for many new members and someone with a fake phone number creates a pin and uses the card somewhere else. First Premier bank will still make you responsible for the charges. They do not investigate and have staff members who are involved working inside sending the cards to scammers. Do not sign up for a credit card with them it's a scam. They actually ask the new card member to explain how the scam happens. They are being sued. The customer service sucks and they are incompetent.

Do not become an Account holder here. They will rob you. Way too many hidden fees. Their automated phone lines are bot user friendly, and lack a lot of important information. As soon as I become current I will be canceling my service.

Worst credit card to have. The people are Lawyers Scammers and blood suckers for money. They don't help you. They make it hard for your time if you're going or facing any hardship. The representatives are very obnoxious, I recommend reporting them to the Better advice bureau. They charge a high annual fee. I just closed my account with these ** and looking to pay off my remaining balance. They should be Terminated and shut down. This credit card company is designed to destroy your credit. A bunch of ** people and scammers.

This is by far the worst credit cards I ever had. I'm 9 months pregnant, can't work... they won't even work with you and they charge like $95 annual fees plus all these other fees! I'm canceling the 1st chance I get! Even if your credit is bad.... it's better not to take them up on their offer!

Premier Bankcard is billed as an unsecured credit card option for those with few other options. The reality is for an initial credit line of $300 you can anticipate paying a $95 program fee plus an additional $75 annual fee upfront. They don't really talk about the $75 fee until after they already have your $95. The $95 is paid before getting the card and the $75 is deducted from your initial limit. So, for $300 in credit you pay $170 to start. Your initial limit is actually $225. You must also be extremely careful paying your bill in order to avoid late fees. Even payments made on the due date are counted late if they are past 5pm. Any hold placed on the card lasts a total of 15 days as opposed to the standard 7 before removed from available credit. The customer service staff is also rude and unhelpful even if you are in good standing. All in all, this is a horrible experience. I recommend looking for other options if you have them.

I've had 2 cards with them for a couple of years. They have been wonderful. You have to watch what you're doing but they help you do it. Thanks so much! I have a great credit file now. Over time they gave me a 2nd card. Upped my limits on both. If you're responsible their fees are right there with other cards. My only problem is I wish they updated with the credit reports more often.

I have been trying to build my credit and I was ok paying the mandatory fees just to get my credit built. I have had this card about a month. I paid $95 to get the card started and have made 3 more than minimum payments on this card to keep my balance owed down. I have only used the card for paying at stores twice. They gladly took all 3 different payments and also the $95 fee also charged me twice for the $75 annual fee then without notice just completely closed my account. I have called and called they are completely rude and you cannot get ahold of the correct security department to resolve any issues. This company is a complete scam and joke. What a waste of money that I certainly did not have to waste. Zero Stars!

I have had a Premier Bankcard for a couple of years. I make my payments on time, usually, early, I often pay more than the min., yet the balance never goes down and is often over the amount. I have reached the point with this card company's practice where I won't be making any more payments. I don't care how far down my credit falls. Something is very wrong with this company. I am aware of the fees. I keep a close watch on this account. There is something underhanded here.

My credit amount was reduced by 80 percent based on ONE late payment even though my credit payment history is 100 percent over five years with all other credit issues. This affected/reduced my credit score by over 10 points. **!!

Somebody got ahold my social security card. They opened up an account under my social security number and name (they even misspelled my name in the account) not even using my phone number, address, or email. I found out via credit karma updates that I had a new credit line. I immediately called to cancel the bank account that was fraudulently opened. It's been months later and they have still not closed the account and they will not take me off as liable for a account when it was not even me that opened it in the first place. This bank is criminal and I am going to have to take this to court. My goal is to shut this fraud company down for good.

My Huntington Bank ATM was not working and and the inside was closed. So I go to Premier Bank to use their ATM and they take my card because it wasn't their banking card. I am very angry and I wish they would go back to Home Savings & Loan. Please not Bank with them.

This has happened a few times, where I have paid the amount due this period once the statement was produced, made purchases and then when I pay online, the minimum amount due was different. I was charged a late fee, even though I called the company to ask about the discrepancy and what the 2 amounts represented. I was assured that making the amount due this period after the statement was created, is what I need to pay, and that if I made that payment amount there would be no late fee. And yet again ...There was!!??

Premier card Customer Service is the worst all together. Always rude, never friendly or try to help in any way. Teach your Customer Service people some people skills, a simple goodbye at the end would be great. Nope. They just hang up in your face.

Premier Credit Card is not a good card for any reason, even if you destroyed your credit. Premier charges $95 program fees and $75 a year to use the card not including the super high interest. It is not worth it. After noticing I paid over $250 a year in fees for a $700 credit limit and the near 30% interest rate I decided to close my account. I called in to customer service to close the account and I was told my balance to pay off the account. I paid it right then and there on the phone and was told that my account was paid in full and closed.

Before I even received my card, I was being charged high fees that was not disclosed prior to accepting the card. Then since I hadn’t used the card immediately they closed my card due to unused card. No warnings or letters that it was closed. They also have the worst customer service I have ever had to deal with. Remember to write down when you speak to them because they do not report it on your account. The lady I spoke with today was horrible. I am like anyone else trying to rebuild their credit and this company abuses that. It should be a crime with businesses like this. I would never suggest this company or what they claim to offer anyone!! Stay away!!

My credit card was closed due to 2 missed payments in 90 days back in June. This is ridiculous considering I made a payment every month. The website forces you to put in card information for automatic payment. My payment dates and other bills don't align with an automatic payment arrangement so every month I get insufficient funds fees from First Premier bank. I have called them about taking my card off automatic payment once before. Their website is out of date. Won't even take credit and debit card payments. Send you to a third party website to make a credit or debit card payment . After that you still have to enter your account number which is your card number which I shredded because I have accrued so many fees from this credit card company it is ridiculous.

They were a good card at first... but little did I know if you pay thru the app it takes a week to process the payment therefore it got declined. Because the payment showed on my end it was paid I used what thought was in my account at the time. And fund were not there. Once I figured it out I used a different account to make my payment. It went thru fine that time but I got a letter today stating they canceled my account for the previous return payment.

This credit service were Bank whatever you want to call it is a scam. I was signed up and approved for a $500 limit. I paid the $95 fee to release the card only getting a $375 starting balance with $125 already in the hole. My card never came or was sent for that matter leaving me to have to call and get another one sent which cost me another $35 taken off of my already short credit line. How convenient of them to say they sent the card and it never comes with the second one coming within days of them mailing it. Sounds kind of funny right. Yeah well welcome to Premier credit the scumbag credit company of the planet.

I would not suggest anyone this bank at all. Last year I had issues with closing my account while I have called the representative at this bank to inform that I wanted to close the account as the COVID-19 pandemic hit and was unemployed for a long period of time, the representative told me that it was closed, the next days, they kept calling my phone literally more than 10 times in a day to pay a fee I could not understand the origin of. If you do not want to be called that many times everyday which becomes disturbing and actually might give you anxiety, stay far away from this bank, because I will never again go to them for credit score needs and would not suggest it anyone either. This bank is not there to help you build your credit.

I received the credit card and didn't realize all of the fees. At first it was ok. But then disaster happened. I was paying insurance on the card during Covid and they did help out some but they didn't fully cover my account. Now, after the fact, they are still charging me for it as well as all the extra monthly fees. I pay $50 a month and get credit for about $14. My advice to you is stay away from this card even if you have bad credit. They seem to prey on the most vulnerable. JUST DON'T DO IT. I feel that there customer service feels like you are a burden when you call them.

On Feb 22, 2022 Premier Bank called my job 3 times within a 8 hour time frame about a payment that was 30 days late which I have 2 accounts with them and never been late before but they never called, emailed or left me a voicemail on my personal phone. I work nightshift and sleep during the day so I would have returned the call about 230-300pm but nothing so when I get to work that evening I was called into the office and told about the 3 phone calls.

So I applied for this card. I was approved for a $400 limit. Now you have to pay $95 for the program fee. Fine. Not my cup of tea, so I called and told them I was canceling my application. A week later, I still received a card, and notice that I'm being charged an initial fee of $99, and they still want the $95 program fee on top of that. I read everything thoroughly, and the only fee stated was the $95 program fee, and $99 a year after that for the program. It never said I needed to pay a program fee twice before I've even activated it. This is false advertising, and I don't know how they get away with it.

So I have had nothing but issues contacting anyone at this business. I paid off my card and called in to cancel. I was transferred 3x to someone who could cancel the card only to have someone hang up on me. They do everything to not have to cancel this card. DO NOT OPEN AN ACCOUNT with this bank.

I have barely had this card for 2 months and yes the interest rates are high but there's another reason entirely that I dislike this company. I had set up my account to be electronically withdrawn from and had two months in a row Christmas and this month where I couldn't do it that way. I communicated with the company and was told make my payment when I had it. 3 days after the second payment was due I paid the entire card off. This company failed to tell me that because of the two electronic payments not being withdrawn regardless of an agreement that I had set up with them that that automatically discontinued my card and that I would have to have it opened again.

I've had two credit cards with 1st Premier, one since 2015 and the other since 2017 always paying early and keeping my user amount under 6%. This obviously doesn't matter to them because they seem to not care about protecting my accounts! They allowed someone to tell them to cease and desist my phone number back in 2018 causing me to have problems accessing my accounts! It's been fine all along for all the years except all of the sudden on 01/13/22 they removed my phone number from my accounts so I can't access my accounts unless I have an access code emailed to me or call customer service. So they have taken away my texted access code to my phone!! All because someone attacked my account and had my phone deleted from my account!

Well, unlike others on here, I managed to get an increase in credit from 300 to 500. Was ALWAYS on time. Never late. Had some jerk off take over the bank accounts I pay from, and two consecutive payments, like days apart because I couldn't figure out what was going on, two consecutive payments got returned. Now right before this, I got that increase AND, qualified for the next better card up the ladder, with a limit of 700, no money up front required, though that $95 a year fee and monthly fee came out right away. Now, those incompetent jerks CLOSED BOTH accounts, are still demanding I pay the annual fee on the card I never even received before they closed it, 6 days after they approved it, never gave me a chance to explain anything.

I keep seeing all these terrible reviews. Why complain, their fees and rules are clearly listed, it's a choice you make. Anyone who's complaining about the ridiculous fees, you knew before you signed. I'm 39 years old. I've never been able to get credit. They gave me a chance. The fees are bad. Probably to make up for all the people who never pay it. They are taking a high risk. Cheers to whoever is behind this card. You're a genius, and brave.

I signed up for this card and failed to read the fine print. Please do your research before getting this card. They gave me a $300 credit limit, I had to pay $90 just to activate the card. They have me at 36% APR which is crazy and should be illegal. I am going to pay this off and cancel it. Oh and they also have an "Annual fee" which is $100. Trying to keep the poor people poor by nickel and diming on charges for this and that. It adds up. No more for me. I will be canceling this card when I can pay it off next week.

I believe this bank is a part of a scam operation. They allow fraudulent charges on the card. Then, when you jump through their hoops to dispute the charge using their archaic dispute process, they will "investigate" the charges (or so they claim), close your account, open a new account, and then determine that you have to pay the fraudulent charges on top of that.

My balance on my card was approximately $400. I received a call for payment. They said if a payment for $400 is made they will give me a $400 availability. I was not late at the time I received the call but it's unfortunate. For those who makes a payment for same day availability, there js a fee for $8 because of having someone personally assist but cone to find out it's a "BOT" that's assisting.

So I was told by the bank I need to confirm with them what kind of payment it method I will be using in order to pay my credit card bill. They inform me I'm not allowed to use no more than one card to pay my credit card bill so I informed them so if they don't want me to pay the bill this should just let me know in the recorded line. So therefore they can't send me any kind of request to pay my bills. They keep blocking my payment. It's not my bank. It's debt because they want me to be verified or the fact that I'm changing my card to pay it it's an issue. I didn't realize paying with a different card it's an issue to pay my bill as long the bill is getting paid.

I enrolled and paid for Premier Credit Protection. I had to use the protection when I lost my job. They claim to send out the continuing forms monthly by email or US Mail, which I never receive them half the time to fill them out and send back to them. Therefore they don't credit my account and do their part making sure the bill is paid and on time. It's puts me over the credit limit and brings down my credit score 30 points. I have to contact them asking for the forms by then it's two months behind, once they do receive them and credit my account it's too late, my credit score is low and ruined. This is the worst Bank ever and I'm sorry I opened a Credit Card with them. They don't care about the customer nor do they do their job correctly.

So I’ve been trying to work on my credit and this was one of the first cards offered to me. I applied and got it right away. Everything was going well until my mom got sick and I had to use more of it than I could pay off. I called Premier and told them I was struggling and it would take a while for me to pay it off. They now call (without exaggeration) 9 times a day everyday.

Do not enroll if you’re trying to build credit. I had recently paid off a couple accounts and this was one of the first secured credit cards that came in the mail and stupid of me I applied before reading the reviews... I paid the enrollment fee which was $100 and then another hundred dollars for the annual fee that’s $200 upfront.. this week my Bank of America account went negative and they kept trying my account after only three attempts they closed my card. They didn’t even give me a chance to make it right nor give me a chance to pay they just closed it after only trying for less than a week.. I would just say stay away from this card and do your research.

Sure they offer up to $1000 starting credit line. But also require a $175 deposit fee before you can even use the card. And their CS is only available until 9p MST not toll-free 24/7. Their automated system drolls on to infinity before connecting to a live agent. I had suspected fraud charges which I reported, and they canceled the card to issue me a new one. Which never arrived, but only sent me a new bill... with the fraud charges still present.

First Premier Bank Mastercard is a very terrible card to use. I received a credit card from these crooks. Everything is okay except when you go to pay your credit card using their website. They allow you to pay your credit card via a bank draft. After you submit a payment the funds are not immediately available to you. You have to wait a certain period of time. I just got of the phone with their customer service. He tells me that my available balance will NOT be available to me until the 30th. That will be 7 days since I made my payment. Oh, they do tell you in writing that this may occur, but they do nothing about it. Like pay you back in interest for the loan that they now have. If you are trying to build credit and think that this company would be good for you because they are the only company to give you a credit card. You are better off without a credit card with these idiots.

These people are crooks. They will charge you a late fee if you do not pay by 5:00 PM which you don't know until after they are charging you late fees. They are not transparent with this policy. Is that even legal Horrible? Horrible card. Never again.

I try to establish my credit history, so I applied for this card. Paid the $95.00 activation fee. Then they charged yearly card fee, $12.00 (just went up from $8.00 recently) monthly fee, plus a whooping 36% APR. In March they charged me for $125.20 in fees. I cancelled this card, and I asked them to give me back the annual credit card fee, which was charged in March, 2021. They told me I won't get back any money. They also charge you for credit line increase ($25.00). There is no 0 star which I would give them. This company is a ripoff. Do not open a card with them.

This is the worst credit card I’ve ever signed up for. I’m trying to build my credit so I applied for this. The fee was ridiculous, not only that but it won't let me use it without a pin, I have to “request a pin” each time I use it. I enrolled in auto pay to ensure 100% payment history, the auto pays never withdrawn from my account even though it has sufficient funds. Will be cancelling this horrible card.

Absolutely horrible experience with this shady company. Paid my rip-off activation fee of $95.00 and then tried to use the card. Went thru for $40.00 but couldn't use it after that. They wanted another $129.00 to re-activate it. I had them cancel it today. I couldn't take any more abuse from that company. If you apply for a Premier Bank credit card, you're crazy and should seek professional help.

I have not been able to get full access of my online account via their website since January. I log in and it takes me to the account overview page, but if I click to make a payment, transaction history, or anything, it kicks me out of the account and I have to log in again. I called and spoke with an Amy 1/29/21. She said she hasn't heard of any issue and that they do not have a tech support or web support department. She said to call back some other time if still have the same issue.

We pay our cards off EVERYMONTH on time. Today, we paid our cards off like we normally do and get a flag for “fraud”. I call and get out through all these hoops (had to get my bank on the line to send over something on company letterhead!) to be told it is under review and takes 3-5 days! I’m like that’s what people do! USE THEIR CARDS AND PAY THEM OFF! Stay away from this company! They are horrible with customer service and the cards has no rewards and not worth the hassle!

This is absolutely and unequivocally the #1 worst company I have dealt with in 40 years. They charge you a $79 a year fee, $12 monthly fee, and 36% interest. The app is an absolute joke and never works. I was hit with 4 fraudulent charges and the operators hung up on me multiple times and wasted my time giving me wrong info about waiting for postal mail affidavits, sending electronic letters that never arrived, making me fax in dispute forms which I later found out was the completely incorrect process for fraudulent charges. I had account managers tell me wrong info... charges stayed on my account for weeks making my card maxed out and completely unusable - and of course every time I called begging to resolve it they offered me a credit line increase - $100 - but they would charge me a 20% fee. AVOID or you will be here leaving a similar review. Absolute time wasting nightmare.

I had this card with high fees and high interest. I authorized a $100.00 and they withdrew the total amount owed on the card. I disputed it and they froze the account. Their mistake overdrew my bank account unbeknownst to me for over a week. I had overdraft charges on my bank and a closed account from them. They refused to acknowledge the mistake and are now reporting negatively on my credit.

DJ

I got this card, and immediately used half of my limit, in order to start paying it off and help my credit. What a joke. After that I was rejected at numerous retailers online and otherwise, as if they thought somebody was using a stolen card or ??? I contacted them (which is excruciating since they don't answer calls, don't list an email or any other way to reach them other than a postal address). Though I don't blame Experian or Credit Karma for a decision I made I have to say their "overenthusiastic" endorsement of the card really sold me and I wished I'd made a more informed decision. This company is horrible. Their cards are horrible. With a good $200 remaining credit and apparently no way to use it, I shredded the card. I will pay it off and be done with them forever. What a mess. Capital One is who I should've stuck with. I'll definitely continue working with them. AVOID THIS COMPANY LIKE THE PLAGUE!

I paid off 2 accounts & closed them in early October. I waited until the payments had posted, then followed up with a phone call to make sure accounts were closed- I was assured they were, after I was told that one account had a $38 balance left for a $99 yearly membership fee. I reminded the representative that I was no longer a member so in reality, they owed me $61. She agreed & assured me both accounts were at $0 balance & closed. My credit score dropped 50 points in less than 2 months, and I couldn’t figure out why. I pay my bills early & always double the minimum due- nothing on my credit report was showing delinquent & I was at a loss as to what happened. Sunday, 1/24/21 I received a statement from First Premier that my payment was past due.

Stay far away from this credit card company/bank. The fees are never-ending. This organization is without a doubt the worst credit card company/bank of all time. They are very sneaky in the charges on your account. You will spend countless hours on the phone with them in regards to questionable charges that were added by them. I closed out both of my cards and I will never forget the nightmare journey with these con-artists. There are honest credit card companies you can have a relationship with such as Capital One or Merrick Bank.

My mom opened two accts Jan 2017. I was disputing I didn't know where came from 2020. My mom died. I found cc in my name. More worse she had card her name, my info. She was addicted pills. Keep getting run around. I've did over 20 reviews all sites Federal Trade, Federal Reserve, Consumer Complaints. I have all proof I need from them. They just don't know what saying, doing so next BBB and Fed Reserve. I'm going file South Dakota lawfirm damages fees court lawyer. And 5000 ruining my credit by their error. I have 3 stents, disabled, really sick. Doing it clear my name now. Won't answer. Why people who lie? They lie cause afraid of the truth. Also have friend high court. Also filing FDIC.

To all who might read this post, I had previously posted a review on this company relaying how I had my account closed by the Loss Control Department due to some returned payments that were caused by an error on my part with an account number submitted to the online payment system. After many calls to the customer service department I received no positive response on reopening my account after the problem was corrected and replacement payments were made.

I opened a Premier card 9/2020. Made a few purchases, made a payment. Remaining available credit was suspended. I called to inquire, they said they needed to confirm method of payment. I thought this was odd, as it was the same method of payment that was used to pay the annual fee and additional card fee. A week goes by, I receive an electronic letter saying they need confirmation of payment and gave me a list of ways to remedy the situation. I sent a letter, copy of the debit card used, copy of a voided check that was attached to the debit card, and copy of my husband's license. (It is a joint account. He is the primary on the checking account). Payment was applied and new cards were received.

I wanted to rebuild my credit several years ago and got a First Premier Credit card. What a mistake that was! Closed the account in February 2015 and cut up the card. A $300.00 credit line with fee and other charges of 500.00). They keep stating I'm late on my credit reports even though I don't have the card and the account is closed. I have 5 other cards that I pay on time. This card won't be off my credit report until 02/2022. The fees are more than the original line of credit! Don't get this card. FRAUD and a RIP OFF! Get Capital One! Great service!

After covid, I got into financial situation. I called due to drowning in monthly service fees, late fees and processing fees and decided to cancel my card to get current. They stated canceling card would NOT stop late fees, service fees or processing fees. This company is ready to charge me an endless never-ending amount of fees and does not have any kind of hardship program other than 1 month no late fees. This in my eyes is criminal especially when you can get better rates from the mob. This is not only a criminal but unconstitutional.

Filed chapter 13 five years ago and wrecked my credit. Two years ago I applied for this card and got a 300 limit. A year later I was offered another with 1000 limit via mail and the first now has a 500 limit. My score has improved by 180 points since I got this card. Yes, the interest and fees are high, but that’s the price you pay to rebuild your credit when you suck at paying your bills and have to file bankruptcy. I’ve only ever used the first card to pay my Netflix bill. The other pays my car insurance. I keep them both in a drawer and pay them off monthly. I use the app to pay my bill with my checking account. No issues ever.

The way it is set up You will never get ahead of your debt even if you pay the card off. I haven't made a purchase in 2 mos. No matter the payment I make it is never enough to make my balance remain in The positive.

This credit card company is HORRIBLE! I can not use it at the gas pump, can not overdraft the card, but every time I go to pay my bill every month there’s an overdraft fee. Last month I had an overdraft fee and just paid it and disregarded it. I could not use the card because after the overdraft fee and my monthly payment, it bought me up to a zero balance. Ok fine. So this month, I got on to pay the bill, there’s ANOTHER overdraft fee of 50 something dollars PLUS my monthly payment.

This company is by far the worst credit card company of all time. They are very sneaky in the charges on your account and also are not willing to admit their mistakes. I have spent HOURS on the phone with them in regards to charges that were on my card BY THEM that should never have been charged. They refuse to take ownership of mistakes made by them and you have to go through hoops and walk on fire to get it corrected. (which I am still fighting and have been for months) You get transferred and given the run around. I would not recommend this card or company if it was the last one on earth. If you are considering this card/company, please take my advice and run for your life.

I got this card as a credit builder. It is already a bad deal with high rates and a huge yearly fee. So far I have been charged late fees two months in a row even though I paid on time. There is no way to get a person on the phone. Only an automated system that is inept. The customer service is abysmal and they are scamming people out of money. BEWARE! Stay away from this card.

You definitely want to stay away from this credit card. There are fees on top of fees on top of fees. There is an annual fee along with a monthly fee of $14.50. If you are not paying the card off in full each month it is not worth having once you factor in the 36% interest rate which is insane. I cancelled this credit card and went with a secure Discover card which became an unsecured card in 8 months with a $2000.00 limit increase. I am still having nightmares about First Premier bank card. The customer service is just as bad as the horrible fees. This is a credit card I would avoid at all costs. There are other options out there for consumers with challenged credit and this is not a sensible solution. If you read this and still decide to open an account with Premier bankcard, good luck to you and get ready to throw away your hard earned money.

I’ve been with First Premier for about one year. Last month I made two payments, not knowing Wells Fargo sent them back due to me losing my card. For my protection Wells Fargo sends any transactions back to protect the consumer just in case someone has made Fraudulent purchases with your card. I inform them of this. They canceled my card and told me if I wanted to reopen it I needed a letter from Wells Fargo to admit they're wrong. I fax in my letter to the Fraud protection department and they still would not open my card. Keep in mind I had never been late or had return payment!! There goes my credit. I will fight this!!! It’s just not fair! Do not get this card. It not worth the stress!!

Carrying a balance on this card can get you into financial trouble quickly. While most credit cards for bad credit from major card issuers have comparatively high APRs, none of them come close to the First Premier Bank Credit Card's APR of 36% for purchases and cash advances. (For cash advances, you’ll pay the 5% transaction fee noted above and the 36% APR.) In addition, you will have a processing fee and a monthly service fee (they will add after you accept their credit). They will offer you a second card and it's all a gimmick to beat you on two accounts instead of one. Please use a secured card in order to begin rebuilding your credit or search for another credit card. This company is the worst!

After 5 years a get a email saying that it’s suspicious activity on my account and when I call to confirm! They ask for a 1099 and a tax return! Since when isn’t ID and a copy of your SS card isn’t good?

I applied for a Premier Bank card, it arrived in the mail just about a month ago. I put it in my drawer, haven’t activated it and certainly haven’t used it, not for one single thing. I just got a payment due for $30. I don’t get this at all. I have called customer service numerous times and I have never talked to anyone live. It’s all a recording and the options are nothing to do with mine question. I am going to cancel and forget about these scammers.

Inaccurate rating: no option for NO STARS. Lack the true meaning of customer service, no ethics nor morals. I have been a faithful customer for over 2 years and due to them processing a payment in the morning and generating a statement at night the customer is penalized, mind you same-day processing. "Why, under a national pandemic of COVID-19 would customers that are strapped on funding make an extra payment?" Well this happened to me, they posted my payment then processed my bill all in the same day. Now they are charging me as if I never made a payment.

I have had this card for about 6 months and do love it for the fact that they gave me a chance with a bad credit score. Just like any low score card the fees exist and interest is high but I always pay down my balances quickly so it doesn't bother me too much and it's a small price to pay to rebuild credit which is truly needed. My only real complaint with these guys is that in order to get credit increases you have to pay 25% of the increase.

I applied and received Premier Credit Card in January 2020. Had a rough start at first but got on track. I started making more than minimum payments before due date and my available credit remained at $0. Today I called to inquire about it and was told that my account had been closed due to overdue.

I was with First Premier Bank card for 10+ years. I originally got this credit card to build my credit. Never had any issues with this company. I recently changed banks and canceled my auto-pay for the old bank account and signed up auto-pay on the new bank account. I printed out the confirmation when it was completed and I also received a letter from First Premier Bank confirming the signup of auto-pay. After 2 months the automatic payment was still not coming out of my bank account so I called First Premier Bank to get the time-frame of how long it generally takes to take effect. The customer service representative informed me that although I had signed up for it, there was an internal error and the auto-payment had never been set up and auto-pay was no longer available.

I've had this card for years and got it due to credit score issues. I've always paid at or above minimum payment and paid timely 95% of the time. Due to the pandemic I had to pay less than the required minimum. Let me tell you, this company preceded to call my phone 4 and 5 times a day without leaving a voicemail and hanging up when I answered. That's irritant number 1. Then they sent an email telling me I missed a payment.

I opened this account in March 2020. Paid $79 upfront + $8 per month for a $700 credit line. Used it often, paid more than the minimum, made extra payments, etc. But because I made ONE "PayPal CashCard" "bank draft" for one of my payments, that by the way, has a Wells Fargo routing & account number, and Premier doesn't like or have a relationship with, they rejected it and canceled my account, but did not notify me. There is NO LIST of banks they don't like, so you would have no way of avoiding this problem. I did not know they suspended me, but I saw the money that I did the bank draft for still sitting in my paypal acct, called Premier back, and used the SAME paypal account, but with its debit card to redo the payment, which brought me to a zero balance, not knowing they had cancelled me and not being told that by their by customer service either.

I had a Premier bank card and I received temporary Custody of my 3 grandchildren. I lost my job and Premier bank card calls my phone number at least 12 to 15 times everyday. I have it recorded. They do not care if they call 12 o'clock at night, they call 8 o'clock in the morning. I've tried to talk to them, make some type of payment arrangements even if it's $25 a month. They do not care. Sometimes they call in they just sit on the phone. They don't say anything. They just sit there in silence. I have blocked them but they still call and I see where they're calling. Is very irritating. I am 54 years old trying to raise these children. Have reached out for help with a section 8 and stamps and I have these 3 babies and Premier bank card will not leave me alone.

Suspended and Closed Account with On-Time Payments. Opened this account in 10/2017. I was rebuilding my credit after a divorce, so I didn't mind the fees, deposit, etc. My credit score went up and I received a notice from the company that I could open a second card. I was still rebuilding my credit, so I did it. I have had the same issues as others: taking too long to post payments, declined and having to verify my identity, paying exorbitant fees, and payments showing they were made but my available credit never changing.

My credit card was stolen by them and then they charged my real card. Their customer service is horrible and they are dishonest. DO NOT USE THIS COMPANY!!! I had to cancel my real card in order to claim the fraud they committed.

I opened an account with First Premier to help with my credit. I should have known something was wrong when they sent the card before I could fund it. My problem came when I got the first bill and I decided to pay the bill in full. For some reason I still don't understand my card was suspended for some bs reason. After getting non working fax numbers to verify who I am I closed this account today. The customer service is not helpful. Please do your research before dealing with this company.

I have been with them for 16 months. Always paid my payments on time. I used my debit card to pay every payment. Their operator stated they are changing their policies and forcing card suspensions because they are concerned about risky people making payments during the virus concern. They ask for my bank information. I refused to provide it. They then cancelled my use of my debit card to pay them off and would only accept my bank account. I closed my account but I warn everyone to be very careful with this company.

I have been a Premier Bankcard holder for quite some years now. I've always been able to get access to my credit card accounts and pay the bills via their credit card Apps. However, now they have changed their app and it will not open, keeps crashing. I called customer service for help and to make my payment over the phone since their app wouldn't work. WOW, REALLY! They said there would be a fee/charge to make my payments!! Again, WOW, REALLY! They won't fix their broken app and they want to charge me to pay my bill. This company has lost their ever loven minds!!

Premier Bank Card the company is a total scam, they get you coming and going with the charges. You put a deposit down for the card, but that does not count, in the end you owe them 2 times more. Please, please, please, do not get the Premier Bank Card, I feel I am dealing with the mafia/Cosa nostra, watch out!!!.

I got this card back in early 2019, Despite the high yearly and monthly fees and the low $300 limit I was trying to rebuild my credit. After some months of on time payments I defaulted on the card due to an injury and I lost my job. Fast forward to 9 months later I paid the entire balance off in full and asked them to kindly remove it from my credit report. fast forward again to 3 months after that. I give them another shot to try and expand my credit file. One payment got returned and I didn't know about it till I'm getting late fees and calls everyday. Come to find out they closed that account and my first account which was supposed to be removed on my credit report shows up on it again costing my over 100 points on my credit report.

This company is a real piece of work. I had two cards w/them both w/ $700 limits. I paid off the 2nd one IN FULL & CLOSED THE ACCOUNT. I had a balance of roughly $350 on the 1st one. I then lost the card. When I called to report it, instead of transferring me to the department that could help CANCEL THE CARD, they sent me to the collection dept. I was 10 days late on paying $36.00, $36 DOLLARS! Would you believe they would not send me a replacement card UNLESS I paid them?? Keep in mind this is during the Chines Virus crisis gripping the nation. Complete dirtbags run this bank. ABSOLUTELY DO NOT DO BUSINESS WITH THEM!!!!

This card company began charging fees immediately. I never used the card and they have billed me for a fee then put interest on top of it. I am not paying them and have advised my attorney will file suit against them for fraudulent business practices. Dishonest company!!!

This credit card company is absolutely horrible!!! HORRIBLE!!! They charged me a $95 annual fee before I could even open my account so I pay the fee then they give me a $300 credit limit. I only used the card for gas and food then I owed them $89. I paid the $89 dollars to them and go to use my card for gas again thinking I had money left on it cause I know I didn’t use my whole credit limit and then the card gets declined and I’m confused at this point. I call and ask them why and they don’t give me a answer. All they tell me is it’s something to do with my bank and I call my bank and they tell me my payments are going through and that I need to call the credit card company.

I had applied for this card not knowing there was a fee because they don’t tell you until after they “approve” your application. I never paid anything for it because I lost interest after learning that I have to pay a program fee. Long story short I just received a bill for $416.72 from a third party collecting company for something I never activated. Don’t bother with this company.

This card will approve you and give you some time to enjoy your new card! Then hit you with fees up the **! I would not recommend this card! It does not help you in the long run. They threatened to hurt your credit if you call to cancel your card. I had been making my payment faithful and I check my card online to find I'm over the card limit. I was shock like how did this happen. I hardly use this card. Then I call to get a better understanding and I got nowhere. Never again First Premier. Never! You guys are stealing from your customers. Be warned everyone. This card WILL NOT help you. They will stealing your hard earned money. DO NOT APPLY FOR THIS CARD OR YOU WILL PAY$$$!

First off they made me pay a 95 dollar fee to start. Which I expected but then they dont allow you more credit than about 200 to start when you should have 300. The first week seemed fine. I paid 30-20 at a time to help myself. Then two days ago I tried to use the app. It only allowed a payment option of a checking account so I added my chase account. I decided I'll just pay off the entire amount. Well I looked and I got charged the 75 dollar annual fee. So there went 75 dollars of my paid off amount. I then look and it says I have no available credit after I paid off the whole card. So I call the customer service & they tell me that because I used my checking account & not a debit card that there's a hold on my card... even though that's the ONLY option they give you for payment on the app. So now I have no access to the credit I PAID FOR TWO DSYS AGO. They said I'll have access in about 20 days!!!! I seriously laughed out loud!!!

I signed up for a credit card with First Premier Bank in Sept of 2019. Everything has been great till Feb 2020! I have paid my balances every month on time. Not an issue. Suddenly I make the final pay off in Feb 2020 just like I have every other month before that and all hell broke loose. Just because I made my full balance payments every single month on time they decided to believe that I am using someone else’s account or debit card to make my payments (Laughing hysterically). They freeze my credit card with no warning. No email, no phone call and or no letter in the mail. I found out by checking my account as I do every single month just to see if I’m doing alright. I see $0.00 as my credit limit and $.85 as my credit owed. I’m wondering why is it showing $0 as credit limit?! I’m think eh, maybe their app is under some updating and the accurate info will show up the next day. Nope!!

I have read several of the reviews for this credit card and I must say with all honesty that not one person got it wrong. This company is dishonest and has exuberant fees. I just closed my account today 2/22/2020 because of these fees. $79 annual fee plus $12 monthly fee!! Hello!!!! They're charging me $223 a year for a $700 credit limit which results to 31.8% of my limit. That is a blatant crime and theft and I would like to know where are our gov't agencies to protect us from fraud like this!!! Nowhere in their original offer do they mention any monthly fee for starters.!! Plus I read another lady's comment how they repeat themselves over and over again and you go absolutely nowhere with the conversation. Terrible all around!!!!

This company is a rip off. They charged me a fee to hold the card, on all of my purchases, $125 annual fee, a monthly processing fee and credit protection fee. Your bill is $40-$50 before they include your purchases. I have 3 other credit cards, none with all of these ridiculous monthly fees, they are ripping people off (Beware). I paid in entirety which was over $1000, just to get rid of the card, I paid in full and cancelled the card and everything and the next week they tell me that they are still billing me for all of the monthly fees and that the person that closed the card (at my request) forgot to tell me that I'm still responsible to pay the monthly fees. Now they cut-up in the garbage where it belongs.

I won't wish my worst enemy to bank with First Premier Bank. Why? Because they are nothing but scammers. First, I paid $95 ACTIVATION FEE, then paid $75 ANNUAL FEE in advance, then LOADED MY CARD UP TO $300. I used it to build credit. But I changed my mind after a few months, and tried to cancel my account, thinking that I would be able to do so in a few minutes. Contrary to my thoughts, First Premier Bank charged me $328.00. When asked what those charges are for, they said they were my unpaid balance and late fee. When I heard that, I laughed due to their absurdity. How can First Premier Bank charge me $300 when it's up to my discretion to load my secured credit card?

I use my card and on day 1 the card is declined. For some reason it has been suspended. I contact customer service and accept responsibility for any and all charges. I am told to wait about a week. After 2 weeks, I receive a verification request in the mail. I contact customer service and am ready and willing to get this over with. I ask if I can take photos and send via email? I am informed that this company does not have email?! GTFOH. They require your personal info to be sent in an envelope for review. In addition, the request states, "process may take up to 30 days." GTFOH. SMH. This week I am paying off and closing the account. After paying $95, and having usage for half of one day, it is only fair that I blow up the customer service line to voice my dissatisfaction with the entire experience. I do not anticipate reimbursement, so $95 dollars buys me repeated explanations that I just 'don't understand'. Lol.

Stay away from this bank, interest are very high, I spoke a few time to them to see if they can lower a little my interest percents but they said they can't help me. Plus I have to pay an annual fee of $75 just for keep the card. Please try another company.

I applied for this credit card to help with my credit score. At first, it was a higher interest rate, which was expected, but then they started to apply a monthly fee. This is a rip off! Get it paid off as soon as you can, then close it out.