Premier Bankcard Reviews

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.

I need help. I been making payments on my card, as soon as I got money now it won't show any of my payments and they said I need to reinstatement my card. What does that mean for me? Please help. I'm so distressed, I just put over $100 back on that card and I need either my money back on that I can use the card. Please help!!

I applied for this card several years ago and only today as I saw the enormous balance due although I have been paying as scheduled, so I decided to review the statement. Like a FOOL I was not away that on top of a $79 Annual Fee I am also being charge $12 monthly service fee for having the card. This is a trap... Please anyone reading this do not I repeat do not apply or accept an offer for this card.

I got a preapproved credit application in the mail. Trying to improve my credit so I applied with the confirmation number given. It looks like the other legit offers. I instantly got approved for 400 limit and no card. Started to get worried about the card being lost too then do more research to learn they needed to collect 95.00 to activate my card, TO SEND MY CARD REALLY. No way will I pay upfront fees for this. Not like any other cards I've had. Then I read all the reviews online, with terrible ratings. Good thing I'm just a little naive. More worried that I provided my personal information, so now I have to keep an eye on my credit score which I do anyway. What a disappointment and waste of time!

Please only get this card if you have no other choice. The fees are ridiculous. Make sure you pay 2 to 3 days before the payment is due because, if you pay the day before. It will be credited as late then a late fee added plus an annual fee which should be processed in January. But in December which is added to a monthly fee. It it's a Bad gift that keeps on giving...I'm buying a house and can't close my account out until after closing. Can't wait!!!!

So I received this card like 3 years ago and oh my god, I cannot finish paying it off, they make you pay fees and monthly fees which any normal credit card doesn’t do, and they don’t even tell you about this until you realize, I would never ever recommend Premier Bankcard, they take all of your money and you still be paying off your credit, and on top of that you get a call literally everyday that you over the credit limit. This credit is BS.

I received a pre-approved application via mail. It was for $700 credit limit. I decided to call them. Next to impossible to get a live human on the phone. The automated system tosses you in a loop. I finally get ahold of a person and, she was rude at best. I kept asking questions and she kept trying to get my SS#. Even after I said, " I just have questions ". I asked her about the bad reviews on this company. She said, that is because all these customers are doing something wrong". That was enough for me.

This company is a SCAM, don't walk RUN from their services. Opened an account and made payments right after purchases in order to build credit faster and wouldn't you know it they SUSPENDED account because they needed proof of account information (this is provided at the application stage...morons). They have held the funds in account for over 15 business days and said they mailed a letter requesting bank docs (sent via fax to them over 13 business days). When I call their Customer service it's the same song and dance that it's being processed. Today I am filing a formal complaint to the BBB in their area along with the CFPB and expose these losers for their unethical practices.

I’ve been going back and forth with them for over 2wks. My husband has let me use his debit cards to make payments in order to not be late on payments, bc you know...that tends to hurt your credit score, which defeats the purpose of ever opening the account. I was advised to send faxes of both cards I used and my husband had to advise permission was given for the payments. My account was noted but NO ONE...absolutely NO ONE has called to advise the info submitted didn’t suffice bc his name wasn’t present on one card, which it was. His name was on the front of that card but card info on the back, which is why I submitted 2 pics.

I opened my account in September of 2019. My credit limit is $300 and monthly payment is $30. Since September I have only used my card to rent a car to visit my sick mother. I have always immediately paid the balance off right after I returned the car. I rent multiple cars a months so on average I pay roughly $700 a month to First Premier Bank/Credit Card. I use the same bank account that I have always used since I open the account.

Like everyone here I only agreed to the ridiculous fees and 36% interest to raise my credit score like a good little consumer. I had two cards with them for years. I was NEVER late. I NEVER missed a payment. I ALWAYS paid early and it was always more than minimum amount. It was always a nice balance - not maxed and not shallow. I was by all accounts an ideal customer paying his weight in interest every single month, early or on time. I received an alert from Experian's service that monitors your identity and finances for fraud which stated they had found my info on the deep web.

I had this card. I had 1 returned payment because they ran the payment using my old bank info. I called again and gave them the correct information. They ran my payment and the next day they closed my account. High fees. Go to OpenSky credit card!!

I had credit with First Premier Bank Master Card. I started with a $700.00 credit line and asked for a credit increase. They approved $100.00 and billed me $25.00 for the increased. I paid off the account and ran into some unexpected expenditures. So I called First Premier Bank Master Card to ask for the account to be reopened. The Representative I spoke to said the account was reopened with the $800.00 credit line. The next day I telephoned to confirmed that the account was opened and to make a purchase. The account was not reopened and I was told it was in the stage of my identity been verified and was given a Fax number for me to fax over credentials. I faxed my drivers license, social security card, my voter registration and my ATF License. It has been 5 days and still the account has not been reopened.

First Premier credit card I received in the mail within 10 business days. I made several payments but my balance never reflected the payments I made till 2 weeks later. I used this card to build my credit. I received a notice in the mail saying the account I used for payments was discontinued after they tried 3x to draft my account for $40. I set up a payment for $40. Called and informed them my card was stolen so the account was shut down. I made the payment with my other checking account. They still kept trying g to take $40 out of an account that I informed them was closed.

August 2019, I received an alert from Experian that one of my credit cards reported as "over the limit". I went on line and found that some unknown person had charged my card over $300.00 which put it over the limit. I got this card to rebuild my credit in 2015. I paid the card off in July, 2019 but continued to pay the monthly fees to keep the card open in the event of an emergency and as to not hurt my credit score. I immediately called First Premier and spoke to someone who clearly could care less. She asked me if I would like to cancel the card and issue a new one. I said to cancel the but DO NOT issue me a new card, close the account. Soon afterwards, I received a dispute form in the mail, which I filled out and sent back immediately.

This is the worst company. I just received this card and this is some of the text in a letter I got. All I did was pay the card. They told me I made too many payments so they suspended my card. I also changed my address and sent them my id and ss card. They is giving me the run around. This is crazy. The people that is giving good reviewed must work for them and trying to give good reviews. This is the worst. I have already screened shot every part of the website with my info. If something is not done I will go further with this. Yes I made bad decision while I was young. I'm trying to fix it my errors but don't steal from people who is trying.

I have had the Premier Bankcard for at least 5 years. My wife and I were building up our credit and it was a good card for that purpose. This past year I paid the account off and have not use it for purchases or transfers. They continued to charge a fee each of of $15, which I paid only because I didn't want it to affect my credit score. My interest rate is 36%, so there is no way I would use this card.

Went to make a purchase, card was declined... Cashier ran thru as credit, declined... Went out to car. Called. I was told because I made too many payments, it looked suspicious, same checking account was used to pay... so without getting in touch to even check, they suspended my account. Now this is the same checking account I used to pay their secured fee. According to credit monitoring companies, they want you to have a smaller balance vs your credit limit... this is why I was paying the card down... Now I'm sure the suspension will go on my credit score, but not the reason why! I am furious!!!

I just got them. Never read about the extra fees till I got my card, the membership fee and and extra card fee. I paid the $128 in fees. On 10/8/19 went to use the card. Declined. Called First Premier, the lady says, "Oh it can take 10-20 days to post." Of course I called her out on the **. I told her the app shows a payment posted and the money is out of my account, not pending, meaning you have your payment. Tries to tell me because I used my checking and routing number it takes longer. Once again I called her out telling her it makes no sense. The payment is posted. I should have came here first. I got this to help my credit, not this crap. I'll be cancelling soon.

So I made a few payments to my account which they took the money no problem, then when I go to use the card it doesn’t work. I call them to be told I was suspended because they need a letter from my bank that states I’m allowed to use my checking/debit card to pay my bills. When I sent them info they still didn’t lift the suspension because I was rude and the fraud department was “real busy” and hung up on me. Well once I’m not suspended, good luck trying to get payments from me... I might be too busy to pay.

I just got my card and paid the $95 fee on the 3rd of October 2019. The automated system said I have an available credit of $255. So I wait until the next day to use my card and it gets declined, I was okay with it because I brought my debit card along and decided to call when I got back. I called them in the 4th to speak with someone and she first say I used all my credit???? I tell her, "No I just got this card." She left and came back 10 mins later and say my card will be activated in 2 days. Well here I am October 7, 2019 on the phone with someone else. Apparently they say someone call on the 3rd after I set my account up saying they are a third party and they say my online account up wrong ???? so they cancelled my card and sent a new one. That would have been okay if I was notified or told this on the 4th when I spoke to someone. I only got the card to build credit not for the damn run around.

I started using First Premier Bank's credit card in 2010 to help repair my credit. To obtain a $300.00 credit line I had to pay $200.00 to secure my card. The other fees are $7.00 to $9.95 monthly fees depending on your credit limit. There is also a $48.00 Annual fee as well! Included as well is a late fee of $35.00 which they can waive that fee once a year. They were kind enough to extend my credit limit to $700.00 after about 7 years due to my credit score increase. I have been thinking about canceling to get my $200.00 dollars fee back from securing it. Now they say my card is not secured, which means, where did my $200.00 go? Looks like I am having to find all my paperwork going back to 2010 and prepare myself for a battle with First Premier credit card!!! Moral of the story: "Don't do this!"

Customer service premiered first and I knew it would be the last I dealt with this bank. From the automative answering system rotating me back to the main menu numerous times before a live representative came to the line, to that representative being Lori taking my decision to not pursue her company personal; I couldn’t do it. Glad I knew better to read the reviews, and to view that outdated online banking app before paying the program fee. The card design gave me prison vibes anyway - not a cute look for my wallet. Don’t choose this bank too. Don’t choose it! I’m telling you.

I have a First Premier Bank credit card. Initially I obtained it for credit building in January of 2019. Following the advice of my consultant I was to spend about $50 transaction a month and then pay the balance down to $10. I’ve don't that and can see the reflection of where it has improved my credit. Now the problem comes when one time a portion of that $10 balance that I left was part of the previous months bill, so they suspended my card. No big deal. Paid them and was able to use my card again. Had to use the card to help pay bills sometime for a few months, but always paid my balance and never late doing so.

I paid my 95 processing fee, and I was supposed to be able to use the card, but I cannot. They said they would refund me my money, and I haven’t received it. I’m A single parent, and I really need my money back if I want be able to use the card. Please don’t send this company any money. Rebuild your credit some other way. This company is A fraud!!

This company was horrible from the beginning. My card took a month to get here because they said it went to the wrong address. Well, it is the same address it came to. But before I got the card in my hands physically a payment was due and I was not aware of it until I called to activate the card and was told I had a payment and late fee!!! Should have cancelled it then but I was told to open a card to help build credit.

Trying to speak to a LIVE customer service person is not easy. When calling number on back of card, automated system doesn't offer option to "Speak to a representative" and enter "0" it says invalid. For a real person you must repeat menu 3-4 times, only then will it let you.

I applied for this card to rebuild my credit and I began making a lot of payments using my debit card in one month, I almost had my current balance down to zero dollars then all the sudden I noticed my account was suspended and I called customer service of Premier bank, they tell me, it's suspended for making too many payments in one month, they saw that as suspicious. I explained to them idiots, I am trying to get the balance down below the recommended 30% level before Premier reports to the credit bureaus and that's why I made a lot of separate payments in one month and I couldn't afford to pay the entire balance all at once. I also said, I've never heard of making "too many payments". It's NOT like I was abusing my credit, NO, I was paying them money almost every week to pay down the balance.

My name was spelled wrong on my initial card. The "a" was missing from the end of my first name, due to my last name being hyphenated. The supervisor fixed it, but refused to send me the right card, until I pay my fee. My argument was I don't mind the fee, but I didn't have to pay first when I ordered the card and got the card with the missing letter. So when I get the card with the right info, I will pay the fee. She said no. I told her that's not in the terms and conditions. If I get a wrong name I can't use my card, so I should pay money then get card when it was their fault to begin with? Absolutely not!!!

I closed my account on 3/28/19 with a zero balance. This Premier Bank credit card company reopened my account without my knowledge or permission and put through an outrageous charge of $450 plus a $6.10 fee. I immediately called them and reported it as fraudulent and after only a few days they've put it on my credit report as the card being closed on 4/28/19 with a balance due of $456! Avoid this credit card company and if you have their card be very, very careful. I've opened an investigation with Master Card and if I don't get this resolved, I'm going to call my State Attorney General's office. I highly suspect people within this company of making that fraudulent charge.

Credit One Bank is a better credit builder bank. Credit get better. Night limit $39 per year no monthly fees. Rude US based Customer service every time.

This is the worst credit card company out there. If you are trying to rebuild your credit seek elsewhere. I made a payment 2 weeks ago that cleared the bank on 4/12 and they still haven't posted the funds to my account. This is almost $400 of my money they are holding and making interest off in their bank account right now. They are saying it takes 30 days to post what?!? Are you kidding me? I paid $95 processing fee and a $100 annual fee. WTF was I thinking?!? I have been calling customer service and supervisors and managers for 2 weeks now to have my money released so that I can use my card and no one will help me.

I have 2 First Premier accounts. They are both closed. I am on a fixed income and went on a special payment programs with one of the cards but missed a payment. My husband lost his job. I was kicked out of the program. I have called several times to see if I could pay 25 a month with no interest and no fees. I was told no by the collections department, I would not be eligible until 2024 for help. I do not recommend this card for anybody. I owe the debt and want to pay. I was offered a settlement that I could not afford. I am still trying to resolve the issue.

This company is absolutely ridiculous and hands down the worst credit card company I've EVER dealt with. We got this card to rebuild our credit. We were given a $1,000 limit. Shortly afterward, we had a family emergency and had to use the card to fly to Montana unexpectedly. Since then, we have been making the minimum payments because money is tight. This month, we made a much larger payment to get the balance (and their outrageous interest charges) lowered. Shock of all shocks... they show the payment was made, but have suspended the account! What the heck? What reputable company would suspend your account for making a payment and being responsible?! WORST CARD EVER!!!

Premier Bankcard provides a great avenue to improve a credit score and creditworthiness, it's a shame that this system provided by one of the greater philanthropists in the banking industry is being abused and dragged in the mud by consumers. The backlash seems to come from mismanagement of one's finances and lack on understanding of the credit industry. Credit is a privilege, my advice is if you hold yourself to higher standard one that doesn't revolve around entitlement this is a great tool to prove that. If you had some slumps in credit like I have, this card provides monthly credit reporting and as long as you eat the fees (because why would a major credit card trust your crummy credit history) the road is yours to drive on. Food for thought, you do the dishes. A scam this company is definitely not.

I've had this card for 7 years and had my first experience with $400 in unauthorized charges. They didn't reverse the charges or apply a temporary credit due to the fact that they had to do an investigation which takes a 60 days. I was told that a temporary credit is not guaranteed or may never be considered at all. I find that to be incredibly insane! What happen to zero liability? The dispute process is very antiquated and dated. These unauthorized increased my utilization rate and decreased my credit score by 15 points!

I've had my First Premier Credit card for less than a month, so it is too soon to give either a great or terrible review, so I chose 3 stars. I do however have to say that many of the reviews are terrible, but I wanted to comment on some of the reviews that scared me the most. In my experience so far: I was in fact able to sign up for a FREE online account. (I read repeatedly people say that they had to pay). My card worked immediately. I used it online and at the store, without incident. (I read many horror stories of it not working so I put that to the test). I paid over the phone, using my bank card as soon as the transaction cleared. (No problems making my payment either as others stated. The payments were free and posted the next business day).

I have had this card for a year, I get something saying they are upping the limit. But instead they send me a 2nd card with a separate account and its own limit. My original card payment needed to be made but I couldnt for another week. I go to use my new card and they blocked the account because the first card payment wasnt made. When I contact their service department they say they are not the same account and are separate contracts. Then they tell me that because they are both my cards they are going to block the card with a balance on it until the other payment is made. Even after the payment was set up. So how can you tell someone they are completely separate accounts until it benefits the company and now they are the same. HORRIBLE COMPANY. I will pay this off soon and close these accounts.

Twice I have gone online and scheduled a payment. Twice now they have not registered the payment. This second time I was wise enough to capture the payment verification page. I can see that the payment I scheduled for 2/2/2019 was not scheduled, despite me 100% remembering going online and making the payment. Like I said, luckily I did a capture screen for the payment and will have to present this to them on Monday, as today is Saturday evening and they're closed. Very po'd. I don't know what game they're playing, and it could be a computer error...however, they try to nab you for late fees so I can't help but suspect there is something fishy going on. Not happy.

Yes the card cost a lot. I've had my card now for 5 years now. Only ones who would give me a card. Started off with 300 dollar credit limit - they took half of that for activation. Kept my payments on time. When thing was ok for me I paid it off. Then I ran into hardship and started only paying minimum payments. They raised my card without me asking to 500 dollars. Now today it's 1000 interest. Is hard but you can pay it off. Not interest or fees. I love them. My credit score went up like 100 points because of them. Gotten my self in more debt because of hardship but god is good. Things will be ok. Use your credit wisely.

I apply Premier Bankcard - offer me 700.00 plus activation fee of 35.00. I waited a week to get the card, no card, so I call customer service - told that it take 3 weeks before it come in mail. "I NEVER GOT THE CARD". So Premier Bank sent me a letter saying I call and CLOSE the card. WHEN I never gotten the card. SCAM!!! RUN. THIS is a scam credit card. Do not apply or get it. The letter I gotten told me the account is close. Glad got the letter saying it close so I do not have to deal with them anymore.

I am super pissed! I lost a card and called to replace it. I had it shipped to my office to ENSURE I would get it... But I DIDN'T! So Because it wasn't their fault, supposedly because the address was right, they charged ME (the card) $35 for 3-5 Business days so that it would require a signature. THAT'S RIDICULOUS! But I guess that's what I get for not having a credit score and having to build one... I'll just pay off this card and let it sit! Won't give my money to companies who take mine!

These people are the worst. They tacked on all their fees, which made me over the limit, so got added fees. They said my payment was late, it was mailed in more than enough time, I think they just wait until it is past the due date, then credit the account. My payment is due on the 4th of month, today is the 5th, my bank is not showing that they have taken the amount out, so guess I will get another late fee. I will pay this stupid card off and will never use it again. Will never ever recommend First Premier Bank to anyone. They are below gutter level.

I activated my Premier credit card on 12/29/18 and I've had nothing but regret ever since. I paid the activation fee, which they took immediately, but haven't been able to use my card at all. I was told that I have to fax proof of my address and SSN to get access to my credit that I've already paid for and that will take 3-5 business days.

I was never late with any of payments in over 5 years with this CC Company. In July 2018 I made 4 payments to 2 different cards I had with Premier BankCard. 2 in the beginning of the month and 2 at the end to close out both accounts. Both times the accounting department credited all 4 payments to 1 account causing the other account to go 30 days delinquent. I called, emailed, faxed documentation to no avail. They reported the one account as 30 days late to the credit bureau. Customer Service is awful, there is no one that you can directly speak to and when they tell you it will be escalated- it is a lie. NO ONE addresses these issues and continually lie about not receiving the calls or faxes even though I know the calls are recorded. NEVER ACCEPT any offers from this company. Truly an awful experience.

This credit card is good, on paper. But in practice, they are a scam. If you pay multiple payments in a month or if you pay substantially more than the minimum they will suspend your account and you have to fight tooth and nail to get it back online. The customer service people aren't even trained correctly. They are not worth it.

In October 25th I opened a secured credit card account with First Primier Bank card and they took my security deposit of $200 dollars from my checking account then when I activated the card on November 2nd they charged me $50 for adding extra card holder then again $29 for fees so my credit card balance got to $121. Then when I tried to make purchases it declined then I try to use at ATM. They locked the card then call the customer service. They told me, "We required additional information such a fax the copies of your driver license, mailing statements."

First Premier Bankcard is awful. It’s expensive, charges a monthly fee and the app is terrible as it does not list transactions appropriately. Very low limit. They charge a percentage to raise your credit limit. Just a horrible card all the way around.

I been on time every payment. Kept balance at no more than 30%. Got a letter saying they closed my account. I called customer service and they told me they had no clue and couldn't help me saying my account was fine. I tried to use my card and got declined. I called customer service back. They told me again my account was fine. I tried to log in on my phone and got a message saying account not available. I got a letter in mail saying account is closed. Worst credit card company I have ever dealt with. I will never get a card with them. They have lost my business for good.

Don’t use this card to rebuild your credit. Don’t send them your $400 dollars. The worst company ever. Super high fees and I claimed bankruptcy and they still haven’t taken off my credit report 6 months later. Get a Capital One prepaid $49-$5000. It’s 100 percent better with no hidden fee and as soon as you open 50 points first payment another 25 points watch your score climb.

This company is a fraud, I've been trying to make payments online for two weeks and was not allowed to do so. They kept saying that my bank denied the transaction but I have 3 other credit cards that I paid with said bank account and haven't had a problem. They want you to be late with payment so that they can charge you late fees. I have several people that I know has experienced the same thing. I have cancelled my card. I will dispute any charges going forward. Thank you.

I received a pre-approval letter for a $700 credit limit credit card from Premier. I accepted the agreement, even with the high interest rates, and received the card a few weeks later. I used the card for about 6 weeks, never using more than 50% of the limit. I made weekly payments, every payday, using Premier's mobile app and my checking account. All payments cleared my bank, easily. Without notice, Premier suspended my account, pending verification of my checking account. 6 payments had already cleared! WTF???

I have two credit cards with First Premier Bank and I maintain a low balance, but to my surprise, even though I paid my balance off 2 weeks prior, I now have a $91.00 balance! I don't even charge this much to this card! I looked into it and they charged me $79 annual fee & $12 monthly fee! I requested via email (it's Sunday) to cancel both credit cards and I will call first thing Monday morning. There is enough cards out there that don't charge an annual fee nor a monthly fee. (Capital One) BE AWARE! I've learned my lesson, besides, companies like this enjoy taking advantage of people trying to get out of debt and do the right thing. Shame on First Premier Bank! I WILL NEVER USE THEIR CREDIT CARD OR SERVICES AGAIN!

Opened on almost over 10 mos or more on a $400 limit. Never been late. Have paid twice the minimum $30 monthly balance way before the due date. Has not helped my credit score. I have requested credit increase but denied. This month My bank deposited my funds into wrong account which Premier was already Paid in advance. Premier tried to debit some extra funds from my account which had already been paid. So I disputed them with my bank. Premier Written me a letter stating they were closing my account... I am currently still paying the balance off which is left $84 out of $194.00 Which is not due till next cycle. Premier Also does not report & reflect my monthly payments that I have previously made going back when I first opened the account. My bank states they do not issue Letterheads. Premier is asking in order to reopen the account which I am not requesting to reopen.

Premier Bankcard, FPB, First Premier Bank etc, they are all the same company, out of all the credit cards I have had, this one has been the worse experience EVER. I was approved for two accounts and paid all the upfront fees, and years later went into collections, which are now paid, and PIF letters received. However, FPB is playing games when it comes to correcting and updating my credit info with the 3 major credit bureaus. They took a ACH payment for both accounts, then sent me several PIF letters advising the balance was resolved, then updated my credit correctly.

I paid their required $95 upfront fee to even get their credit card leaving a balance of $225. I just received a call telling me that I am late paying them $100 and how would I like to take care of that. I never received the credit card and told the rep that. She said that doesn't matter that I still owed an annual fee of $100. I said unless I had the credit card in hand I was not going to pay them any more money. I was transferred to a customer service rep who just gave me grief so I ask for a refund and told them That I am going to report their business practice to the AG of Texas and hung up. This is a total scam. Don't fall for their BS. I have nothing but a hole in my pocket dealing with false claims of credit that never was sent to me and more money being asked for by them.

Tried to cancel an approved card within 24 hours and denied. After re reading the fine print about the charges both annually and monthly, not to mention the monstrous APR of 36%, we decided to cancel the card. When calling to cancel the recording said we had been approved but no decision yet on credit limit. We finally got a representative and were told we have to pay the fees or they will report a derogatory closed account on our credit with an unpaid balance. We have no cards with fees and no derogatory reports at present. I closed by telling the very argumentative representative that we will proceed the legal way then and there had better not be any derogatory reports. I suspect we will have nothing but trouble over this. Highly recommend all steer clear of this shady company. Your credit can be better handled elsewhere for sure.

Hi, just a warning. I pay my credit card bill always on time. I make multiple payments to keep the balance low any chance I get. I sometimes pay with different cards which is quite normal I suspect. Keep in mind my card limit is only $400 not $15,000 but $400. Well Aventium/First Premier decided to play God and suspend my card because of that. Well I'm just wondering why they didnt call police or treat as fraud? Anyways I sent them proof. Now what? Oh it was blurry; part of the proof. Well maybe they need their vision check. Stop trying to play God and ruin people's life just because you can't make money off a customer with finance charges is ridiculous!

About two months after I opened my account I received a different credit card in the mail. When I reached the help desk (they are NOT open weekends) I was told that someone had reported my original card lost. That was not me. There is a $81 charge on the account from an ATM in Chicago; I have not been in Chicago in over 30 years. They will not accept a dispute over the phone or online. They want me to complete the back of the statement (with very small type and mail it). They also want me to include documentation from the merchant showing that I attempted to resolve the issue. The customer support and service is nonexistent.

I paid my account in full on 4/9/18. 2 weeks later I logged into the account to make sure there weren't any fees or charges. I wanted to make sure my account balance was 0. There was a $14.50 monthly charge and $25 credit increase charge. I called to dispute and was unsatisfied. I decided to close my account that day 4/23/18 after paying the $39.50 charges that remained on my account. They auto debited another $39.50 on 5/6/18 which now is a credit to my account... my closed account. I'm currently jumping through the hoops of dispute to get my $39.50 back. Very shady business. Beware!

Updated on 07/02/2020: I reviewed this company and card about 2 years ago, and I wanted to give another update just to reiterate how absolutely terrible this company is and I truly, genuinely hope that you stay as far away from this company as possible. My previous review talked about how I had 2 credit cards, and both were closed due to a payment issue on one of the cards and First Premier couldn't be bothered with work with me.

I had filed ch7 in 2004 due to massive medical bills and have not been able to rebuild my credit since then. I received a offer from Premier Bank in 2016 and I was excited that a credit card company was offering me credit that wasn’t prepaid. The terms was no monthly fee just a yearly fee of $75 and a startup of $99. So I paid the $99. Confirmed my identity since I have a identity theft warning on my credit (my identity was stolen as a teen). After a year of comparable interest on my card and on time payments I received a offer of a second card thru Premier, again same terms but a higher credit limit. I had asked about a credit increase and was told my account was too new (12 months) when I received the offer, so I called and the agent and she confirmed the offer was real, terms was the same.

I will admit, like everyone else I was desperate because I had bad credit. Saw a chance to improve it and pay my bills. Young and on my own for the first time I was scared and just wanted to ya'know...not be homeless. I applied for the card and paid the stupid fee. Then I found out about the $125 taken off the top...backwards and wrong...but I disregarded it because I would still have enough to pay my bills. Then I got myself in deeper than what I could handle so it became difficult to make the payments but I did. I enrolled in auto pay. One day my bank was negative so I switched the account that the auto pay was attached to. Not only did they not change the account like I asked but attempted to take the money out 3 times. Which put fee on top of fee with my bank because I didn't have the money in my account and they returned the payment. That's a $35 fee for each.

I went with these guys because they had a higher credit limit for crappy/borderline credit. I started my account a month ago, and I received my billing statement BEFORE my card. I called customer service, and the response I received was "well... Give it another 14 days". Umm... My bill is DUE in LESS than 14 days. So you want me to pay my first BILL before I can even utilize or build my credit? I already paid your 95.00 fee. The customer service rep's answer was, "Well, it was mailed out the 22nd." So I guess it takes a MONTH before you will get your card through these clowns, and you'll be paying credit card bills before you can even USE it. I explained to the customer service rep that if I don't get my card BEFORE my bill is due, I am NOT paying it. Sorry... No services rendered means no payment.

I had a payment taken out of my account on 3/2/18. It is now 3/18/18 and it's still not posted. I was told it would be available today and it's not. What is going on with my money. It has been 16 days. I talked to 2 different people yesterday and was told it would be posted. What are they trained to lie. Where is my payment.

Well I called the credit card company about a card opened in my name. They didn't believe, also the person in their way called me a liar. They just want their money. It's ruining my credit report. It's about 750.00 someone else spent and made payment until they marked the card out. I got pissed off when they called me a liar and they hung up on me.

This company exploits and treats customer with challenging credit issues like second class citizen. I paid off the account to zero but since I used my checking account they will hold my credit limit for eight business days even though it has cleared my checking account (it's considered non guaranteed payment but those dummies said to use a debit card to access my credit faster which in my case would come out of same account). But when I make that minimum payment it was applied to my account right away. STAY AWAY FROM THEM, I HAVE CLOSED THAT ACCOUNT. I HAVE HAD ENOUGH!

I was approved for a credit card and read the reviews. I had reservations about this card. It was around Christmas time and I thought that it would be beneficial so I had the extra money for presents. I called and had a lot of questions considering the reviews. I keep getting calls at work from them saying I owe money and I didn't understand why because I paid the $100 to get it started. And they told me it was a courtesy to give me the card when I don't have any problems with Credit One or Capital One. Just believe the reviews before you make a deal with the devil.

First off your credit limit is 400 but they take $99 then you got to pay a $95 activation fee then it won’t be paid $400 back. Worse interest rates ever. On top of that they added a $8.95 charge on my card for overdraft fees. Never overdraft card. I have only had the card for a month. Worst card ever. Never ever get this part where is her. Try somewhere else or build your credit until you could get a better card. This is not the card.

I've had this card and got it because I couldn't get any other card. Now that I have better credit I didn't want to pay the very high fees. I have been trying to close the account for over a month and get MY $250 returned to me. Still can't get it. What's really sad I had a zero balance on my account and they took a $50 payment out of my checking account and now I can't get that back either. THIS CREDIT CARD COMPANY IS A THIEF - DO NOT USE THEM OR YOU WILL LOSE YOUR MONEY TOO.

I never do reviews. But!!! This company was so horrid I had to warn somebody. This is just what it should be, a start up credit card. Build and dump them. They add monthly fees along with the yearly. Interest is ** HIGH. And they do not value long term customers. Not to mention there's a cut off time to pay your due date payment? Shouldn't you have the entire day to make your payment online? Anyways they charged a late fee for that regardless. Bottom line THEY SUCK!

Got the card and sent my processing fee in. Card never became activated. Upon contact they told me they reserve the right to refuse application at any time. Asked for a refund and was told that the money I sent was used for processing my application. Stay away from them!

Please do not attempt to use Premier Credit Card. The practices of this company should be consider illegal. After two years of non stop problems I decided to close my account. I then found out there was a credit of $75 to be refunded to me. I was told after waiting weeks the payment was mailed Nov 16. It's now Dec 25 and no check received. I am amazed at what these guys get away with doing. Beware-of-First-Premier!!!!

I was offered this credit card with no deposit and a required annual fee. I didn't really need it as I have successfully been on the right path with my USAA credit card (great card by the way... if you qualify). I was thinking because I only have 1 credit account open, why not have 2 with one I only use for incidentals (First Premier). So immediately after I opened it, I paid it completely off (their *fee) and didn't touch it. While the payment "posted" the same day I paid it (through the app) a week later the credit limit had not change and the balance due remained the same.

I had account with Premier credit card billing was paid on time at times, if not things were caught up and phone calls made to corporation. Premier Credit closed my account back here in August 2017, they stated account closed in September 7, 2017. This company have been sending me bills stating, "Have you forgotten about your account?" I have not forgotten about account because this company is reporting to the credit bureau monthly on a closed account in which they closed. I received a letter from the directing officer on 12/22/2017, stating my account was closed due to returned payments and they credited account of $87.00. I am not understanding how you are crediting account of which you closed out, and no documentation has been sent to me. I telephoned my bank and found out, I have never has any items returned on any accounts for this whole year, not even from Premier Credit Card company.

This is the worst credit card. I had to put 100 security deposit for a 400$ credit limit and when I received the card the credit limit was 298$. Because of my bad credit I was willing to accept this. I charged the full amount and when I sent in a payment of 300$ it took well over 7 business days to process. They took the funds from my checking account within 24 hours so the money is just sitting between computer lines. Trying to build my credit the plan was to use it for bills but that is a no go. It has caused more problems than good. If I would do it all over again never would I use this card and as soon as my credit is better I'm canceling it ASAP. A check clears faster than this company can clear electronic funds.

I opened a secured credit card with this "bank" (read: extortion company) in order to help repair my credit in 2015. After paying for continuous monthly/yearly fees for a card I rarely used, I was finally sick of it. Between the months of April and October I had somehow racked up a balance of $260~ on a $0 balance from late fees assessed from monthly fees. I paid a late fee on the monthly fee? Oh, and of course that affected my credit score negatively. I paid off the account, then closed it.The retention agent had the audacity to offer me a $25 credit if I kept the account open - I almost laughed if it weren't for trying to maintain some sense of decorum with this farcically extortionist company.

I closed my two credit cards from First Premier. I had to get a bank loan when I saw that the balances kept getting higher and higher even though I had stopped using them months ago. The balances had climbed over the credit limits and now I was being charged fees for going over my limit! If there is a class action suit I want in! This bank is fraudulent. I paid the balances but I still owe late fees! Someone, please give me answers!

First Bank of Moron (Premier) won't even be helpful when trying to settle a collections account. 35% of the total is their fees and insane predatory interest rates. They charge for everything from answering the phone to making a payment. CON ARTISTS. Rude stupid minimum wage employees, and equally stupid supervisors. Avoid this bank at any and all costs. Not worth the grief. If there is ever a class action lawsuit against these misfits, please count me in. Banking industry should investigate, and suspend their banking license. They prey on those with poor credit, and bleed them for everything they can. Run, don't walk from any of this bank's offers...

First Premier has the most prehistoric online system. No statements available, no year end info available. Can only go back a few months, and they want to charge fees to provide what they should be providing online! The most user unfriendly credit card I've ever had.

This is the worst card EVER. I went to pay my payment and after a year and them charging a 78 dollar fee for the year I go on there and I am over because they took out 12 dollars. IT IS A TERRIBLE IDEAL to get this card. They will charge you so many fees that you can't keep up with what you are paying. The finance charges are out of this world and it's just AWFUL. If you want to rebuild your credit try Capital One, avoid this one at all costs. It has no email address to send complaints to. It has no chat available.

This company screwed me in my attempt to improve my credit score. It’s frustrating as I always paid ahead of time. They foolishly suspended my credit card which had a 20 point effect on my credit score. Their reason: they are asking me to prove that I’m authorized to use my own bank card to pay my bill. They want me to fax them documents and signature and other bs. I don't have time to ** with this petty company as I work all the time. I have had a great experience with Capital One! Thanks First Premier you really treated me and my credit score poorly.

I closed my credit card in August 2017 and paid it in full but continue to receive bills with monthly charges and a late charge!!! The bill was paid and customer service makes up excuses and won’t remove charges. Fraud and a scam card!!! No stars if I could.

I've never been late on a single payment for any of my credit cards. Money was tight and I applied for this card to keep as a backup. I didn't know about the fees attached to it. I got my first bill before I even had a card! I made my first payment in August and it was sent back from the bank (apparently the account number was invalid and this wasn't told to me until after it was returned the second time.)

I struggled making many of my bills. Yes I was late and behind on payments several times. I ended up paying my balance off to zero in June. Because I wasn't using my card they were charging me a fee of 30.00 a month. I didn't know this. I started getting late payment notices. When I called to ask what was going on. They told me they waived all the fees and just canceled my account. I don't get it. It was great for them when I struggled and carried a large balance.

Only recommend First Premier Bank to your enemies! This company is greedy because they charge you a $14.95 monthly fee simply for having an account with them whether you have made charges or not, whether there is a balance or not. Just for having their card, you are charged $14.95 a month. Their other fees kick in very quickly, yet they are extremely slow to update their website to let you know what transactions are pending/posted or whatever fees they charge making it easier for you lose track or not know what you're getting charged. This scenario will put you over the limit if you go anywhere near the limit and you face over the limit fees when they tack on their various fees such as interest and other fees they deem necessary.

The IT Dept has created a box with (5) sections to click on to receive a code, so you can officially log on. Today I entered the box for my cell phone to receive a text. NOT... tried again 2 more times and NOT one text. Then I tried my landline phone to receive a message, NOT. Last resort was my email address and NOT - I even checked my spam filter and nothing was there.

So my bill is due September 1st so I pay it exactly on that day. I go look at my account to see if the payment went through and I see they charged me a $25 late charge. I called customer service and I tried to see what happen. She tells me that after submitting a payment after 5 pm the payment is considered late which is a bunch of BS. She then tells me it's a part of a contract that I've never seen before because I do everything online. Now I'm a little frustrated and the rude customer service assistant hangs up on me while I was asking her a question. This company sucks and they find any way to get your money... I'm paying them off and I'm going to close this account...

This bank scams you in fees because it needs the money... Aside from the initial $95.00 fee to activate the account, there's a $75.00 annual account fee. I got this card to try and build my credit, however in reading the reviews and going through my own experience, I'm led to believe that this bank is targeting consumers with low credit scores and fumbling their payments to charge additional fees. I say this because even with the extremely high interest rate, they're still not making any money off of existing balances, so the objective would be for the financially hardshipped consumer to either care more about their credit rating being affected and just submit and pay, or the report of the consumer's poor credit rating supporting this scamming loan shark of a bank.

Was mailed a Premier Bankard credit card. Never received it. They sent another one. I called and told them my current payment was not right as I never received the card. They said they'd cancel it and move it back a month. Tried to use the card. No credit due to the original monthly charge still in place. Credit on hold for a $30.00 monthly charge for a card I never received. Told credit would be released after I paid the charge. This is after a $90.00 processing fee and $125.00 in more processing charges. With the $30.00 fee I guess I'm forced to pay, total paid $245.00 to get a $500.00 credit card that the day you receive it has a $375.00 credit limit. Outrageous. Don't ever get involved with these people. They’re crooks!

I decided to get this card to help build my credit. I set up my account and scheduled my first payment. However when I set it up one number was incorrect on my bank routing number. I called the bank as soon as I saw it didn't post and made my payment which was DBL the amount due. The lady accepted it and asked if I wanted to pay off my card. I explained, "No I need to make monthly payments." The next week I went to use my card and found out it was closed. I literally had the card one month and corrected the information so there would be no problems. Even explained the error which they could see. Yet they say my consistent late payment is why it closed... How the hell. Don't ever get this card. They will ruin your credit instead of helping. I had to send my bank statement to prove I had money in my account even at the time of the payment but then got another letter saying I had insufficient funds so the account is closed. Scam.

This is the worst company ever. They steal your money. The deposit to open the account is non refundable. Then the annual fee is due immediately after you sign up for the card. Your bill comes before you receive or use the card. NEVER GET A CREDIT CARD FROM THESE PEOPLE!!!

Run from this company... First Premier Mastercard is a joke and scam. They closed my account due to making two return check payments. The problem was this was the first time I ever used the credit card payment as an ACH draft and I was told to schedule a payment to do it on the app. I did make a payment for 50.00 and then scheduled next day of 200.00. Note that my bill was not due yet. So when I processed my 50.00 payment it cleared and then showed available the next day then I called the next day cause I seen the 200 didn't post and they said they would call and push it through but couldn't cause it was the weekend and Green Dot didn't answer. Then the next week was told to pay it in full and they'd waive the return check fees.

I have never in my entire life experience anything like this. This awful credit card was paid on time each month, and now paid off. I have a Capital One credit card that report my status with the bureaus each month, these idiots have not reported my payments since April, it's now July and it looks like my utilization is out of the roof. I have since cut this awful card up. I made my final payment on the account a week ago from today and it has not been posted on my account with these idiots yet. They got me this time, but it will never happen again. Crazy ** people!!!

I got an offer in the mail from Premier and I have been rebuilding my credit so I was excited at the prospect of a new card. This place is the biggest scam ever and it seems like no one can do anything so they continue robbing people. Does anyone know how to stop this company besides reviews that everyone has wrote? There are no good reviews on this company, they are thieves and it's frustrating because they are going to continue to rob people with bad credit. I am contacting the Attorney General for my state and also the state the company claims to be located. I have nothing but time and will stay on the phone until something is done. Does anyone know of any class action lawsuits? Is this considered predatory lending? I know what they're doing at the best is unethical.

Received a Premier Bank credit card in mail was told I needed to pay a $95.00 dollar fee before credit limit would be available. I did that, first time I used the card they blocked it cause I had too many transactions. Called hot. That cleared up. Now I just made a payment in full of 250.00 on Friday and another payment on Saturday of 50.00 total 300.00 dollars. Tried to use my card declined, called and stated I just made payments. They told me my card was suspended for fraudulent activity and I needed to fax them statements that the debit card I was making payments from was mine and not a business account. Mind you my debit card is prepaid with NetSpend. Now my car insurance due and that's how I would be paying it with my Premier credit card but can't make payment on it cause they suspended my account. It sucks!!!

Was checking my account online with my bank and found a $322.20 charge with First Premier, and I do not have a single thing with them. Never even heard of this bank or credit place whatever the hell this is. Immediately called my bank and was able to put in a fraud form and am calling First Premier in the morning as I couldn't get in touch with anyone besides a robot on the phone today. Look out everyone.

So I get home and I received a letter in the mail that I've been or approved for a 300 MasterCard with a fee and I'm like "okay great". I have bad credit. I need to work on it. Let's do this! I kinda wondered about the random pre approval but I did read the paper and just called to ask questions about it. I call and he immediately asks my personal information and I give it to him trying to verify that it's me and he is like, "Okay ma'am it's going to be a 95 dollar activation fee. How do you wanna pay that?" I was like, "Wait what? I just called trying to get information" and he was like, "You received the letter. You called. Why would you call if you didn't want to activate it." I was like, "Okay. I'm sorry like sorry nvm" (thinking it's my fault for whatever I did). Then he was like, "What do you mean nvm?"

This is a terrible card. Interest charges are through the roof. I paid them $45.00 on April 28. The check was returned by my BANK because my account was short a few dollars. They re-submitted the check on 5/3/17. I had enough money to process the check, and it cleared. They are claiming they never got it, and they just charged me a $25 late fee, because their stupid online payment thing wasn't working until just now, two hours past the deadline. I cut up this card, and I am paying it off. NEVER EVER get this card.

I really hate this credit card. I am cutting it up. Pay it off and that's it. Says my available credit is 150.00. Go spend 50 at the grocery store. Go to another store and says I have a 10.00 limit left. I would not consider and the interest rate and charges are ridiculous.

Last month, I realized that I may not have paid my monthly payment as I did not see the payment I had made regarding the monthly credit when referencing my payment history. I immediately called the card number and authorized a payment that normally takes 20 days to clear. In the process of waiting, I decided to process another payment via my direct debit (same bank) for an additional amount because I was close to my credit limit. When checking my account again a few days later, I still did not see the auto debit payment I authorized and submitted another direct debit payment because I was afraid I had not made the payment. At this point, I have made three payments, on time to both my accounts and as far as I knew everything was ok.

1st of all. I am not and never will be a First Premier customer. The other day I saw a pending debit card charge to my checking account from First Premier card services. I called my bank and reported the fraud. I then called First Premier. After getting the run around for about 20 minutes I spoke to someone who talked like they were trying to talk ghetto to me. I was shocked someone like this would even be employed. I was simply trying to get them to reverse the charges as it was fraud. In terrible English all I was able to understand was it wasn't her problem and I needed to call my bank. I truly feel bad for people who have bad credit and have to deal with companies like this. To make a long story short, I will have to wait 10 to 14 days for my bank to put the money back in my account and First Premier didn't do a thing about the fraud.

DO NOT BOTHER! Something is really fishy with these people. My husband was offered a $500 credit limit, he paid a $49.00 processing fee, and was billed $125... FOR A CARD HE NEVER RECEIVED! How are you offering $500 and taking $175 off the top and calling it an annual fee for a credit line he just got? Wouldn't that make his credit limit $375 in all actuality? On top of that, they had the nerve to tell him they would order him a new card for another $35... I DON'T THINK SO! He never got the first card, which you claimed you sent OVER a month ago, and you people think you're getting more money for another card on top of this bill you just sent. NOT IN THIS LIFETIME!

This credit card company contacted me, offering me a card. $29 fee it be paid in advance. An additional card was $5.95. I paid the $29 with my bank card and it gave me no option to pay the $5.95 send one card fee. I called customer service on the card 800-987-5521 and Tamera employee ** confirmed an additional card was in fact only $5.95 and it would be billed to me. When I received my first bill, the second charge was $29, not the $5.95 confirmed by Tamera. I fully paid my bill (used once) and called today 3/28/17 and spoke with customer service agent Jenna **, she was absolutely unprofessional and rude, as well as extremely unhelpful. I was willing to keep this card before I spoke with Jenna, but due to her extreme rudeness I decided to cancel the card.

I closed my account after two months. 8.00 monthly fee and impossible to change my online password caused me to close my account after only two months. When I called on two different occasions was pressured to keep account open since it cost me 79.00 to open it. Then told how badly it would affect my credit score because it will show open and closed in two months. Took more than 30 minutes on the phone and I still have never received a confirmation email from them... I did get the employee's name and employee number and a confirmation number to show I had closed the account. Terrible experience...

I thought I was getting an increase, but they sent me a second card. I have two separate log ins, one for each card. I pay them at the same time and log out of one and into the other. On more than one occasion, they have applied both payments to one card, and then charged me a late fee AND reported me to the credit bureaus.

Terrible bank. They destroyed my credit history. Someone used my card fraudulently. Even though I had a police report they would not refund or investigate the situation. I refused to pay the balance and now from 300 I owe them almost 600 with all those fees. I called them to negotiate the settlement, they are giving me almost no break. Do not get their cards, it's a trap.

Stay away from this company. They will lie to you and then lie to you again. I have paid down to a zero balance over 6 months ago and closed the account. They keep reopening my old account without my permission and attempting to assess fees. When I called customer assistance today they said my account just closed Feb 06 2017. DO NOT TRUST THIS COMPANY. THEY ARE LIARS AND PRACTICE DECEPTION.

First off, I have never had a single missed payment on any bill ever in my whole life. This month I am in the process of moving, and I just happened to forget about the credit card bill till they gave me a courtesy call yesterday at 10:38 am. It was the only phone call I got all day by the way, so I didn't "mix up two accounts". I was pretty grateful that they called since I had forgotten, so I just made the payment over the phone. The lady told me that she would charge my card the amount I wished to pay and would credit me an additional $5 for paying over the phone as long as I paid with her right now. She also stated that because my payment was due that day (yesterday) that it was not late yet and I wouldn't be charged a late fee as long as I paid now. So I obviously made a payment. I did have a card on file for payments, but it was previously closed a few weeks ago, so I told her I needed to update my payment information.

I set up my payment method and the next day I discovered that I got one number wrong. I corrected it, made a payment and even enrolled in auto pay. Went to log in the next day and found my account closed. Five phone calls later the account is still closed unless I send them a statement showing this is my account. I just let them close it. The high monthly fee was going to start soon anyway.

I have never had intentions of seeing a credit card, until these guys messed up with me. They kept deducting money from my card and also messed up my credit, until I used my lawyers from LegalShield to pursue them and have them clean their **. Today they have just told me that I will be paying another $140 for the annual fee (**). I ask for a credit line increase and they told me that they would charge me $40 per $100. I have been with them for one year. I have to close this piece of crap by end of June. Do not get this card. It's the worst!!! If they mess with your credit and you don't have a lawyer to help you use that link to sign up for LegalShield, they are in every state in the USA. You pay a lawyer insurance of $17 per month, but they do stuff worthy $100's. That's what I used. Good luck.

I decided you get a credit card from this company because they was referred to me by a coworker. I didn't do my research first and it cost me. I had a secured credit card for them for almost a year and the reached out to me to get a traditional credit card with a $700 limit. I am trying to build my credit so I made sure that I paid more than the minimum or I would just pay both cards off.

I just got off the phone with "Lisa" the Account Retention Specialist at First Premier Bank Credit Card division. First of all, she spoke to me like I was an idiot and basically made me feel like crap. I have paid my credit card in full each month since I opened it in 2011. So for 6 years I have had a $750 credit line. This card did help me establish my credit worthiness after we lost everything in 2007 when I sustained a very serious back, hip & shoulder injury in a car accident. We lost our home, our business & our cars because I was unable to work for 4 years.

I received a letter in the mail for a $400 Mastercard from First Premier. I called the number and they told me I had to pay a $95 processing fee, which I did... even though for me it was a huge chunk of money. I wasn't happy. I got no email confirmation... nothing but they took the money out of my account. The card arrived a week later with a $99 bill - and a demand to pay the first installment of $30. I thought I'd already paid the fee... but no. The processing fee is one thing. The annual fee is another. I was excited to be able to establish credit again, but this was over the top for me. $200 for a $400 card. Belatedly I read the reviews here and canceled the card. They say I will get a refund but they would not email verification. They gave me a confirmation number. I hope they don't mess me around.

This credit card company is just not very good at all. I would not recommend anyone that is trying to get their credit back on track to deal with them. They take your money but won't credit your account until 20 days later if you pay by a Money order. They want you to use your debit card (WHICH I WILL NOT DO). The activation fee you send in is put through almost within 5 days and I was able to use my card immediately, why is it that I make my payments in the form of a money order, and I am dealt with this crap?

I have two accounts with this company. I authorized a payment on one account, and they took the payment amount out of my checking account twice. I thought it was an honest mistake, and contacted them. They told me that I authorized both payments. When I told them that I hadn't authorized two payments, and asked for confirmation, I was told it was verbal, and they had no valid confirmation. After an hour on the phone, and basically being called a liar, I gave up. This is a horrible company to do business with.

I could kick myself over and over again for using this credit card. I was trying to establish my credit. By the time I make my minimum payment they are charging credit card fees. On one card they take $8 per month and on the other $18 month. I've stopped using these cards but can never seem to pay the cards off because the monthly fees that they charge. I can only pay the minimum balance each month because this is all I can afford. I'm so frustrated I don't know what to do.

What a horrible company!!! The fees are outrageous, and their employees retaliate against cardholders!! They will suspend your cards without notification, and then you have to jump through hoops to reinstate the cards. CLOSE THE ACCOUNT!!!

I pay my bill on time. I had a divorce years ago and needed to rebuild my credit because of the "bad marriage". In October 2016 I made an online purchase, I understand a credit card "keeps you safe" from fraud. FIRST PREMIER WILL NOT DO A THING TO HELP if you are in a dispute with a charge. I did everything they asked to this day. The purchase total $69.09! They blamed me and lied over and over stating facts that are unconscionable. I've made no more charges since October AND MAKING PAYMENTS OF $6.66 and $13.13 to make a point to them. The only charge is less the amount of the dispute and then the account is closed! PLEASE DO NOT GET A CARD WITH THEM.

THEY STOLE MY MONEY... TOOK PAYMENTS 2 & 3 A MONTH WITHOUT PERMISSION... they say "I did it" but they won't prove it!! Why would I pay this card 3 payments a month for three months in a row!! I would not!! I'm in financial crisis which is why I have them in the first place. They are flat out criminals. I wish I had the money to sue them.

This account was paid in full. The next month had a $6.00 due, paid it. Thought that was it. Then I receive a 30 days late for $8.00. I called them and explained account has zero balance, "I don't owe you anything." My credit score went down 25 point for 30 days late on paid in full account for service charge. This company is horrible. Stay away from them.

I called Premier bank credit card to see if I could get a courtesy credit for my late fee since this was the first time I have ever been late. I did not have any balance except for the annual fee they charged me and somehow I missed the payment date. I received the worst customer service experience I have ever with a credit card company. The Man actually ended up closing my account because I asked him what the procedure is for closing the account if I am not happy. He hung up on me and closed my account. What a horrible company. I have had their card since 2009 and this is the kind of service they give their customers. Premier Bank Credit card sucks. I had to call back and try to get my account reinstated. What a mess.

I can't say I'm shocked by the one star ratings from people with trashed credit who, guess what, also can't seem to manage this card. The fees are terrible, the interest rate is obscene but it's a credit card. One step below this is a secured card. If you're not in a position in your life to pay off the entire balance monthly, you should not be applying for any credit cards when your credit is already trashed. You're digging a deeper hole and if you use a high percentage of the card's available credit, your score will not go up. In fact, it'll go down. Use this for a year, pay off the balance on time and you'll see credit card offers pour in with no annual fees, no upfront deposits and a better interest rate. I've had this card for six months without a single issue.

I have my card for a year now. They gave me a $500 credit line. I pay it in full each month and I avoid paying any interest. It sure worth the annual fee to get your credit back on track. The trick is to pay it off each month, if you can't do that then you should not have the card.

WOW I am very shocked at all the HARSH reviews on Premier bank. I have been a card holder for about 5 months now and I've had absolutely no problems with them. I don't go over my credit limit and I pay on time. I try to make sure I'm paying my balance completely off every month. It makes it easier for me that way, I won't have to worry about late fees and constantly being in debt with them. My advice is to not use what you feel like you cannot pay back. If you think it's going to be a struggle to pay them a certain amount back, then simply don't use it. I have gotten rentals off this credit card but never worried because I knew that I can afford to pay them back in FULL. If you don't have that confidence, then maybe you don't need a credit card at all.

Worst thing you can do for your credit is get a First Premier Card. I haven't used my cards in over 6 months. I recently moved, they have my phone number to contact me. I got an alert on my credit monitoring service about a negative impact. I looked it up and it was First Premier Credit Card about a late payment. I called First Premier and they told me I had a 26 dollar balance on one and 15 dollars on the other and these balances were for Monthly fees on each, $8 per month on each. I asked them why I was not getting statements and they told me that they were receiving them back from my address. I asked them why they didn't contact me as they would any other time. They did not have an answer.

You may be desperate for a credit card, but you'll probably should get a secured card with low interest and fees. With First Premier you'll pay a high annual rate and high monthly fee and high interest rate! And the next year... the monthly fees will increase. I signed up for the card and paid a 6.25 fee, the next year they charge an annual fee and then raised the monthly fee to 8.25. I was never late with a payment. I think they also hiked the interest rate. Annoying company.

I received a credit offer from First Premier for a card with a 300.00 limit. Well I got the card and paid like 150.00 in fees. I made my payments on time and on the 3rd month I used my card to pay for a hotel room, and the card gets declined. I had just paid the card off a week earlier. When I called they said that my account was frozen because of suspicion. They stated that I was funding the card with someone else's account. I don't think that I could just not notice 300 a month slowly dripping out of my account. Who even tried that kinda ** regardless. This bank gives a card, have you pay nearly 200 in fees, and lets you use it, then suspends your account without notice.

I had this card for many years. In fact, it was one of the first cards I ever had, so as I got older and my credit improved, I just kind of kept it. Well, I eventually decided to part with it. Over the years I got 2 high limit credit cards and very low interest rates, so I decided to simply pay off the first Premier card and close the account. THE ISSUES - While closing the account they seemed to give me a hard time. Threatening me that 25% of my credit worthiness/score was all because of their card.

My husband has a First Premier Card. He was in the hospital and I had to pay the bills. There is a $7 monthly charge to have this credit card. And, because I missed paying it they submitted it to the credit agencies as delinquent. NO call or email of a warning. Just one late notice letter for their $7 FEE (no purchases were placed), which I paid as soon as I received it. When I called to ask for this to be revoked, they said that "they don't do that", and that there is no one to talk to about this. Only a fax number to send a letter. Then they hung up on me when I asked if there was a manager or supervisor I could talk to. Poor customer service that starts with bad management. So, credit drops of more than 50 points due to a missed $7 payment (due to medial situation) which was just the monthly fee for having the credit card. THIS IS POOR SERVICE.

Please keep up with your credit card, I'm a dork when it comes to my bill. I checked it again and there was a 80 fee on top of the APR charges. I called and the rep said it's a charge just to use the card. It's the second time this year this has happened. They would not reverse the charge, and then told me that I qualified for a new deal they offered.... to extend my credit limit up 100 dollars for the cost of an extra $25. What kind of stupid scam is that? Capital One, reversed the service charged no questions asked. I will stay with them and cancel First Premier scumbags.