Premier Bankcard Reviews

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.

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.

I opened this First Premier Credit Card so that I could rebuild my credit and they charged me outrageous fees just to open the card. If you get a credit limit of $500, trust and believe that your available balance will be much much much less until you pay off the fees because they place the fees on your card right from the start. Well, my gripe is that once I paid all of these fees and had a zero balance, yep that's right, a ZERO balance with $500 credit, these fools closed my account!!! I spoke with a representative who stated that I could hold on to my card for emergency reasons and use it as needed. When I called to ask why the card was closed, I was told it was closed because of "nonuse". Really??? I opened the card in April 2016, paid all fees by June 2016 and they closed my card in August 2016. When I asked them to reinstate my card, they told me that they would.

As with many people, my credit needed to improve, so I applied for the First Premier Credit Card. I was approved for $500 credit limit once a processing fee of 95.00 was paid. In addition, there was the annual fee of $125 that was billed on my first billing statement. So, just to get the $500 credit from them, I had to pay a total of $220 for fees (not including their monthly finance charge on the outstanding balance).

This card gives one of the worst customer service experience I have encountered anywhere. Expects you to wait for credit availability more than two weeks after you make a payment. Can't use it in short order even if you are pressed for time. High fees for everything, late, etc. Not sure how all this makes business sense, let alone legal.

I applied for an account and not only did they require ridiculous amounts of paperwork they also wanted $100 for an activation fee the wanted another $150 a year for a membership fee. DO NOT fall for their offer. They are taking care advantage of people in the worst way I've ever seen. I have a credit score of 689. Not great but certainly not awful. I currently hold in my wallet 6 credit cards. I owe nothing on any of them and one has a credit limit of $4000. The lowest card has a limit of $600. I started out with bad credit and the most I paid for a card was a $75 fee and nothing else after the fact. Here are the cards I have from companies that didn't try to gouge me - Blaze, Barclaycard, Merrick Bank, Credit One, Capital One.

I paid $400 on my account and five days later I went to used, and it said that I don't have any credit. Then, I called them to see what was going on and they said that they hold it for 8 days. Don't understand that one. So, I decided that I want to close my account and they said they would still charge me interest and maintenance fee. Talk about a loan shark. DO NOT GET 1ST PREMIER BANK CARD. THEY ARE A LOAN SHARK IN DISGUISE.

I had received an offer from First Premier credit card with a $750.00 dollar credit limit that had a $99.00 and an $8.00 a month service fee for servicing my account. I paid them perfectly and I got a notice that the second year I had to pay a 198.00 yearly charge and the monthly service fee went from $8.00 per month to $12.00 per month. I cancelled my card as I was not going or willing to pay double the second year when I proved my credit worthiness in the first year never late and always paid more than my monthly minimum. They are still charging me the fees and I ripped up the card. I am willing to pay my balance of 640.00 to them but have been sending 50.00 per month and only 20.00 per month comes off the principal.

Premier Credit Card - Sucks!!! Like previous card holders, why does it take a week to have my credit card account to be credited when I make a payment and when the funds are taken out of my account in 2 days? I have been with PCC for 13 months and I have missed one payment. Other than that, I have been current every month. I asked for a credit line increase and they told me it will take 7-10 days for a decision and if I did get a credit line increase, they would charge 25% of the credit line increase. Excuse my language but that is BS. I told the rep that I wanted to cancel and she was not very good at keeping me around. I will be glad to close this account since other credit card companies have treated me much better and offered better deals. Good Riddance!!!

My credit was ran online without my authority and I had a security alert on my credit. When I called the bank dodged and weaved around my complaints. Not only do they make credit card fraud easy, they build you down to overcharging you to build you up.

So okay I have this card with the $500 LIMIT. I have used it and I have been paying my balance with Visa gift debit cards - the phone system takes them fine and no problem, until today. Now they (LOSS PREVENTION), have locked me out of my account with no available credit until they get a statement from MY BANK with the last four numbers of my checking acct and debit card (both accounts which I have not used to pay this FP card yet). I am furious!

I have a credit limit of $700 with First Premier. I have always paid on time on more than the minimum. I also have a Capital One and just got an increase with them. Today I logged onto my First Premier account and see that my credit limit is $700 but that I owe $1375! A payment of almost $700 had been returned which I did not make from a bankcard. The last 4 digits were not mine and a bunch of charges where made right after this payment. My wallet got stolen on 8-12 and I reported the card as stolen. This fake payment was made right after that.

I applied for a credit card about 2 weeks ago and never got it. They charged me a 87 fee for the annual fee but I never activated the card yet because I never got it yet... So how do I make payments? It's going to ruin my credit and I have read today that this credit card co. is very bad and tends to try and charge as much fees as possible. Can you help me? Thanks.

I'm sure a lot of people are going to think I'm stupid but here it is... I've never had a credit card before, and I was told on the phone when I was paying $95 to activate the card that as long as I made a $30 payment each month I was get $250 credit each month. I made the $30 payment and even asked the lady on the phone what is my current available balance that I can use, she told me $250. I tried to use it today because my kids needed school supplies, the card was decline. I call First Premier and asked them what was wrong and I was told I had a $0 balance. So I was lied to twice by these people.

I am card holder starting since 2013. If I am late 10 minutes for payment and call them they will charge you late fee $35.00 no excuse and their customer care people, I can say 95% they treat you like you are nothing. For example, it was my baby birthday. For the first time I forgot to pay and call them the next day. But a woman respond my call and she said, "Why you call you already knew that you are late", and said, "I don't care", and I tried to explain how I am getting refund late fee from CAPITAL ONE CREDIT CARD companies always. But she hung up on me. I was surprised. But I am about close my account with them. Horrible customer care ever for the last 4 yrs.

I paid my card in full in May of 2016 and had NOT used it at all. Then Aug 8th I get a notice that my card is past due and has an outstanding balance of $30.00. I was really confused because I knew there was no balance and no use of that card. I called to find out why the $30.00 and was told that it was now $60.00. The date on the notice they sent was July 26, 2016... I got the notice and called Aug 8th. How in 13 days did the fees double? I let them know I was not aware of a monthly fee and had no reason to even check the account as I knew I had paid it in full so I was not aware of the "past due" amount they were claiming. I asked that they waive the fees as I had good standing with them. They would not, and wouldn't explain why it went from $30.00 to $60.00 in 13 days. They also would not lower the amount...

I received in the mail a pre-approved credit card with a limit of $500. I filled out the online application then waited a couple of days then I called the number given. The representative was very kind, professional and honest. He explained to me the $95 application fee, $125 automatic charge and after 1 year I would be paying $10+ a month and a $125 annual fee. So, I pay $95+125=220 before I use the card which is the actual initiation fee. After 1 year I will then pay $125 annual fee + $10+monthly fee and interest fees. Then I get an available credit of $280 but must pay back $500+ back to First Premier Bank plus annual fee, monthly interest and monthly fees. If I am late or go over my limit I will be charged $27-37 in fees.

I am a co person for an account and they told me I could call about questions regarding it and everything. However, I have been making on time payments, sometimes more than the minimum required and it never fails. They always say I over drafted when I did NOT. I am really unhappy. I paid the last one because it said I was overdraw by x amount and had to pay like 150.00 because of it. Now this month it says I'm over drawn almost 13 dollars? I didn't use the damn thing and haven't in a while. And then I get something in the mail saying they were going to confiscate our cards because the bank the money is transferring from to pay for the damn credit card isn't in the issuer's name. Hello. I am a co person on the account. I have my own card for the same account. Of course I am going to pay for what I use so therefore it will be coming out of my bank account.

I lost my job due to company-wide layoffs on 2/28/2015. Yet for almost a year thereafter, I was able to make timely payments on my 1st Premier Bankcard through unemployment insurance and eventually finding seasonal work that ended on 12/31/2015. Although I tried to make minimum payments on my card, after a couple of months, I became more financially strapped and decided to activate my credit protection option purchased through 1st Premier Bank on 3/4/2016. I spoke to a representative, they took my relative info and activated credit protection by giving me a BENEFIT NUMBER to verify and validate. Realizing that I was approaching the end of the standard 6 month protection period, I went online to review my account and was shocked to find out that none of the credit protection benefits had been paid and that my balance had ballooned to more than twice the amount of my original credit limit.

I initially applied to this credit card as a means to build my credit score. I didn't have any problems with them for the first year, as I was using the card and paying them off monthly. Never carried a balance. Two years in, I opted against using this credit card as a means to make payments so I politely left this card with a ZERO balance. To my surprise, the following month I was charged a late fee for my ZERO balance. Apparently, I was still being charged a 6 dollar fee EVEN THOUGH I wasn't using the card.

They pretend to be honest with helping you to build your credit but they won't give you a credit increase but will send you a another credit card charging you double finance charges and double interest and tell me they are not double billing. And I made a cash advance and my card has been suspended for over 10 days then I letter about calling to have it reinstated when I have called over 3 times to no avail. It's the worst card I have ever had. I would not recommend this to a dog. They give you a increase and take $25 out of every $100 then they put themselves on your credit report and say that you have used it too much and the percentage of use makes it go to poor. And they have the audacity to say that they are helping you then you make a payment then freeze your card putting you in a situation where if you have planned to rent a car or hotel you can't use the card.

This card is by far the worst I've ever had and everything the reps say is a lie. I had this card for one year and they won't give me a increase and I never been late or over my limit. I will be canceling it out very soon and go somewhere where my money is welcome. Thanks but poor services.

I after 40 mins of 1st Premier's endless menus, I found a way to get to a live CSR. I asked them to take my payment in full and cancel both accounts and I would cut these two cards up. They refused to and said "we have to read you our statement. We are responsible for 15% of your credit score." Still the CSR kept sending me over to two other reps - all refused to accept full payment. They then suspended both my cards - while having a credit left on my cards. I then attempted many times to make full payment over the net. Finally today I have paid all the monies they would accept without ending up in a page error. In excess of $650.

This has to be the most unprofessional banking company I've ever had to deal with. They told me when I signed up I pay a 95.00 processing fee for a line of $225. So yesterday I paid my amount that was due which was $30.00 so they only gave me 30.00 of credit. Basically what you put in is what you get out which makes it a prepaid credit card so I'll have to pay 268 for a line of 300 credit - no thanks.

Let's face it, those of us with these credit cards only have them because we are in bad credit positions. Otherwise, this company would not be in business, and we wouldn't bother with this card. Fees - Otherwise known as, "please sir, may I have another". Where to start with this card. $95 as a 'processing fee' - Just to open the account. $75 charge already applied to the first statement. That brings it up to $170. The first year you have this credit card, there are no monthly fees. However, that changes in the second year when your annual fee drops to $45 and then you're charged a 6.95 monthly fee, just for the privilege of having this card.

WITHIN 30 DAYS I PAID $75+$264 = $339. I closed my account just after ONE MONTH due to abusive fees and horrible customer service. Even though I spent less than $70 from the credit card, they have charged me $264 and from the beginning I paid $75 just for processing fees. They are charging interest plus whatever fee. Done with them. Don't get. Be careful. I never recommend this card to anyone. Trust me. This is the horrible credit card in USA.

My wife and I had hit tough financial times in 2006 when I was continuing to get ill year after year. We finally had no recourse but to file bankruptcy. First Premier, I found out, was on the list of creditors cancelled when the bankruptcy was signed. Fast forward to 2016, our financial situation has improved and for some reason we have a card from them again. We get a message in the mail that our accounts are overdue. They are not. Finally I looked at the amounts past due and look at the bankruptcy discharge amounts. They are exact to the penny. Yes this company took a hit with our bankruptcy but without it, we would have been homeless. I then called the law office to took care of our bankruptcy and I look at the sealed documents. First Premier got 95% of what was due them just plain luck of their position on our credit reports. No where, no how should they have ever tried to collect on the 2006 debt so it is being ignored.

I closed my account two yrs ago due to abusive fees. To this day after paying for these last two yrs still owe the same amount I did two yrs ago. They are charging interest plus whatever fee. Done with them. Don't get. Totally ruined my credit.

First Premier has an obscenely high interest rate, and horrible fees. The only reason to get this card is to improve your credit, and that's where it does serve a useful purpose. Tanked my scores a couple years ago. Got a card with either a $300 or $500 limit (can't remember). Anyways I took it sideways, got the card. Pay on time, don't go over limit, etc., and your score will skyrocket, at least mine did. Now I have a couple of respectable, low fee, cash back cards.

I have had a Premier card for some time. Yes they have a lot of fees, they are upfront about them (if you read thru ALL the terms). My issue with them is from being over the credit limit on my card. They allowed me to make a charge that put my account over the limit. My next payment was not due for three weeks. They started using an auto dialer system to call my cell phone, which always said Restricted or Unavailable on caller ID. I got calls from them day after day as many as four times a day, computer calls always. I answered one call to see who it was and what they wanted. Their agent insisted that the over limit amount had to paid now even though my next payment was three weeks away.

Monthly servicing fee, then hit me with an annual service to boot. I want to dump this card.

Do not under any circumstances deal with First Premier Bank. If you pay your full balance every month they will suspend your card and not return the $125.00 fee nor the $45.00 fee when accepting the card! By far an unfair and dishonest credit card company!

Opened a dispute is supposed to take only 30 days to rectify. Well it was 5 weeks and they took the money out of my account!! After thinking that their intentions were to help me since I have 2 accounts with them, what a nightmare!!! They sided with the merchant. I wanted to close my accounts. They switched me to I think some terrible speaking person in Nigeria, talking to him was a waste of time!!! He's like, "Call this number and they can help you with your dispute". Uh no, I called it's the same # that's on the back of the card!!! C.S. go through all the prompts, getting Kathy on the phone and it was like a deaf ear on the other end!! "Oh so sorry you'll have to wait for the dispute decision to come in the mail with their phone # and ext to call"!!! I'm so sorry I ever got involved with these people!!! Worst decision I've made in a long time!! CS is TERRIBLY UNPROFESSIONAL!!! YOU CAN GET MORE OUT OF A ROCK!!! SAVE YOUR MONEY!!!

I got this card to help my girlfriend get started on repairing her credit. I was billed $116.00 before receiving the cards. My girlfriend tried to use the card and was declined even after receiving a pin number. I immediately cancelled the account over the phone. The woman was extremely pushy trying to convince me to keep it reading a script ignoring everything I tried to say until she finished. I yelled "cancel the account, omg!" Still trying to convince me I again demanded it to be cancelled. Ten hours later I log on to make sure it's cancelled and there's an additional $108.00 to be paid. The cards were never used. I cancelled it and they still keep going. Unbelievable. Do not get this card as there is a huge 37% APR. Not at all worth using.

I have been with First Premier Bankcard for almost a year. I have always paid on time, with my last payment I paid on the due date thinking everything was ok. I went into my account and found they had assessed late fees. I called very upset stating that I was not late. I was told since the payment would not post til the next day it made my payment late, so with the late fees it put me over my credit limit so now they have assessed late fees and over limit fees so a $50 payment has now turned into a $96 payment, so now this lousy company expects me to come up with an additional $46 for a payment that was not late. So if I don't pay they will continue to apply charges and plus ruin my credit.

I recently got approved for a Aventium $300 credit limit, which really they only give you $225 available credit to spend and $30 cash credit. “Anyway you can add money” they say by using credit or debit card and it will be available the next morning and it never is has well of you having a over the limit account. I paid $300.59 to used the card and the next day they closed the account saying I had a over the limit account.

I have contacted First Premier Bank several times over the last several months disputing the above account for which they are inaccurately reporting to the credit bureaus. I have requested complete validation of the account, debt owed and my responsibility to pay said debt. I have even made an attempt to settle this account in an effort to remove it from my credit report immediately as I am applying for a mortgage and the incorrect information you are reporting is causing serious issues. This situation as you can imagine is causing me great stress and anxiety.

This card has been nothing but trouble since the day I got it. They are at least a week behind on any postings, and when fraudulent activity was seen and reported they made my life miserable, requiring a ridiculous amount of information, including utility bills to verify my address, before they would even investigate the matter, then claiming they needed 5-10 business days to verify the receipt of the information sent! STAY AWAY FROM THIS OUTFIT. THEY SUCK BIG TIME!

I got this card a while ago and have been paying it off. I have not used it in 2 years and they keep adding crazy fees and the card keeps going up. I've tried talking to supervisors but they keep giving me the runaround and even hung on me a couple of times. A rep even had the nerve to yell at me when I called back. I do not recommend this card to anyone. They are CROOKS.

I have had several credit cards, and this company Premier Credit Card has got to be the worse. I just hate it. I have got to get rid of this card soon. When you make a check deposit for a payment, why does it take a week for it to show available and credited to my account? Terrible service. It was taking out of my checking the very next day, a week has gone by, and still not showing available to use yet. Also, I went online just to look at my account I saw where I had a balance available one day and then gone another. I hadn't even use my card, then I see the balance back on there. Crazy. With technology today, Premier need to do better.

Ever since I got my card back in 2003, I have had nothing but problems. Every time I try to close my account, they promise they will cancel all fees, but it never happens. They charge late fees for nothing, and half the time. They claim to not receive any of my payments. When I sent them proof of payments, they came up with the excuse, that my payments were 1 or 2 days late. Instead of my balance being $210, out was $430, because of their late fees. Don't get this card. Trust me. I finally closed it and am paying it off. This company should be shut down for stealing people's money.

Just pulled a credit report on myself and found a collection from First Premier Bank card. First, I don't do revolving credit and have never had a credit card. Second question: How does anyone windup with a $300.00 collection for a prepaid card? By the looks of other reviews, card doesn't work if you're out of funds account. I am at a loss. But consumers beware!!!

I have two Master cards with Premier Bank. I made my payments prior to the due date on April 2016 as listed on the statement they posted online. Then, I kept getting calls from "unknown" and they would never leave a message. Finally, after about the tenth call, I answered. The gentleman told me I owed more money because of the annual fee and they would just put the amount in the May statement which was no problem. I received five more calls regarding the same issue. In the meantime, I had paid it Now, I get another "unknown" caller and I answered. It was First Premier.

Incredibly high interest rate and mysterious late fees every time you turn around. If you complain or even request an explanation you will receive a form letter that isn't even relevant to your issue. I hate very few things in life but First Premier Bank I do hate.

First Primer Bank offer credit cards for people trying to repair their credit but the fact of the matter is the bank makes your credit worst and gets you stuck in a worst position than you was in. They start you out with a $300 credit line then they take a $89 annual fee from telling you if you pay on time. Over time your credit will be increase and will be reported to the credit Bureau. Interest rates are very high. I paid excellent on my $300 line of credit for a year and when I called to make my payment they offer me a credit increase for my good record of $400. Told me they would send me a new card. Here I was thinking I was getting a new card and the old card would no more good.

I got approved 3 months ago 700 limit. I pay my c.c. off on time always and this ** company has messed up my credit after I was doing really well. Stay away. Do NOT OPEN ANYTHING with FIRST PREMIER.

WHAT WOKE ME UP TO MY DISASTROUS MISTAKES WITH FIRST PREMIER!!! I wasn't really using the card that much and I limited the card to using it only for online purchases and website memberships with minor recurring fees like Netflix, PS4 purchases, iTunes, etc. I assumed the charges I received were related to my purchases. Basically the two card quickly flew under my radar. I made timely monthly payments always.

Had the card for 3 months, paid it EXCELLENTLY. I make good money, got a great job after I declared bankruptcy, ironically enough. Anyways here's the story; So for three months I charge up my card, limit 700, then pay at least half sometimes less. 3 MONTHS, then suddenly one day my card declines, no call, no email, no notification. I check my account online, balance is normal, should be available credit but everything is zeroed out. So I call these idiots to find out what the issue was. GET THIS, they tell me that they froze my card because I pay it too well. Keep in mind here I pay it twice a month once a paycheck. Crazy right? Then they go so far as to politically correctly pretty much accuse me of stealing someones account and using it to pay.

Scam. These guys "specialize" in helping repair your credit! Yeah right! The fees are all hidden. The date they send your balance due doesn't reflect any other charges that ARE still far so it's a late payment, which it's not. DO NOT APPLY!

I only give this one star because there isn't a negative star review. They have the worst customer service on the planet and not to mention you pay them $6.25 per month, $49.00 annual fee and they charge you $39 for a credit increase. I used this card to help build my credit and now I am done with them! I cannot believe how much they charge and the fees only seem to increase. I have closed this account because I now have credit cards that PAY ME to use them. I would advise you to do some research prior to deciding on a secured card to build your credit. There are several MAJOR credit cards that will help you build your FICO score without taking advantage of you. This could be the worst credit company EVER! BEWARE! SHOP AROUND!

I have had a few credit cards over my life. This is the only company that wants me to pay a processing fee using another payment method rather than the card. They told me this is how all card companies work. Yes, but my processing fee was always charged onto my monthly statement. This just seems very shady that they want you to give them money to use their services upfront like that with your checking account. I will not be activating my account and I am very happy I came to see their reviews before I did. Credit One is actually good, try them.

I had this card for 5 years and finally had enough. I closed my account today. They had charged me an annual fee March 2016 through February 2017. When I closed my account, they said I still had to pay the fee for having the credit card. I still had to pay the whole year even though I only had it one month into the year that they charged me for. I was supposed to get a call back from a supervisor that never happened. The lady I spoke with was very rude and then I asked for supervisor and she told me she was one. When I insisted that I be connected to supervisor, she said none was available. Don't do business with this company. I'm sorry that I ever did. I keep it for 5 years only thinking that it would help my credit, but it didn't and all I got was charged from the company

See so many gripes about First Premier, but none like my own bad experience. I have never banked with First Premier nor ever had their credit card nor had any contact with them whatsoever. I live in Arizona, not SD. Yet two "ATM" MasterCharge deductions from my bank account have appeared from "First Premier"; The phone number was showing, so I phoned. The woman who answered said she could not find either of those charges, (first $200 and next $300.70), so to file a complete with my bank. Doing so resulted in my bank cancelling my debit card and sending a replacement, which is causing much other nuisance beyond First Premier's fraud. Suggest that everyone stay far away from this sorry outfit.

For the past year, maybe longer, I have been working tirelessly on restoring my credit. I have a car loan, a student loan and two credit cards. ALL get paid in a timely fashion. I am very proud of that. First Premier is the worst credit card company I have ever experienced. I really want to cancel them but because my balance of $450 is still open, it may affect my credit score negatively if I close with an open balance.

This company is terrible. I am warning you: RUN! The interest rates are almost illegally high, the fees are ridiculous, and the staff are rude con artists who consistently deliver terrible customer service. They'll do anything they can to add on fees. I haven't swiped my card in almost 6 months, been paying my bill every month on time, and my card is still maxed out. I decided to investigate my account in detail, and I discovered that the interest rates and all the monthly "account maintenance fees" are eating up my payments.

After 2nd month using this credit card! I recommend to all of consumer in US that DO NOT get this credit card or apply for one! This company was ripoff! Higher fee, interest high! And customer service terrible! They hang up your phone while you trying to close the account! I set up the monthly payment and they never notice to me and the next bill they add up more interest. If I'm not pay they'll put me in collection! After I payoff trying to close my account they hang up and didn't give me the confirmation for my closing account. No email notice ever! I'm worry that I have to pay some of hidden fee next month! This company really a nightmare.

Stay away from this bank if you get a credit card offer!!! I did a huge mistake opening a credit card account with them and now I am leading a war with them to close it. See probably there are a lot of people like me looking for a credit card to build a credit history. But honestly you will suffer a lot with this bank. There are few other credit cards better than First Premier in helping you building your history with less fees and better customer service. And this bank not only has the worst customer service and a lot fees, their interest rate charges are very high. To keep it simple, they don't even deserve a one star for services.

I had this card for a couple months and was not satisfied. A bill came up and I used a little over half of the credit and it was suspended. Fine. I paid it off and it was still suspended. I requested them to cancel it twice. The second time, I contacted the BBB to help and next thing I know my score dropped twice. The second time 70 points. While having this card, I would pay them amount I needed to pay and it was never processed properly each time. These con artists need to close down seriously. I know most credit cards are shady, but these people are literally cons.

This the worst credit card ever. Between the annual fee and monthly fee it's just ridiculous. I called today to make my last payment and cancel the card and the customer service rep kept going on and on about how it's going to hurt my credit and how she can offer me this and that. She was literally talking over me. I said "just close my ** account I don't care." So she says "your account is closed" and hung up on me. Terrible customer service. So glad I closed this account. Please close your account or don't OPEN an account to begin with. You will definitely regret.

After having two accounts with FP for three years, I finally paid both accounts off in full on the same day 03/05/16. I called to see if they would work with the Annual fee of 49.00 and the service fee 14.63 monthly. I was told no, not even if the accounts are in excellent standing and fully paid off. I canceled both accounts. PLEASE whatever you do not go with this company. They will fee you to death. Bye Felicia's!

Do not open this credit card! Close your account ASAP! This card charges fees upon fees! They will charge you a monthly fee after 1 year! They will not change your APR which is 36%! They made a billion dollars on all of you! They had to reduce their late fee to $37 because they were charging too much! All of their credit cards will charge you more the 2nd year you have ANY of their credit cards. For a $700 limit card you pay $175 for the first year. The 2nd year they charge you $49 annual fee plus $14.50 a month. That totals $223 a year!

A mysterious charge shows up from this company directing $200 out of my personal checking account. The last time I had an account with them was 25 years ago. After finally getting an agent they can't help and another number is given to me for contact. They have no one manning the phones. It goes to a voice mail. They steal and I get redirected for their own mistakes. Terrible customer service.

I'm trying to rebuild my credit. I accepted a pre-approved offer from them and without spending a penny on the card I was overdrawn within 6 months. 2 weeks ago I paid my account back in full when they promised me my card would be reactivated and 12 days later my card is still suspended. I don't understand how I paid $550 on a card with a $500 limit without using a single penny and the card is not active. I am a full time student and only I know how I came up with their full payment on the promise that the card would be reactivated, I feel like they have looted me repeatedly and as usual no one answers calls on sundays. If you're one of the millions for whom money is important avoid these guys like the plague. I have never seen thieves like them in my life and I've dealt with cards like verve. It's heartbreaking. $500 is a lot of money for me and they have cheated me.

I paid $89 for a $300 credit limit... Of course I spent it all right away. I have had no issues with this card, nor have I been charged any ridiculous fees. My monthly minimum payment is $43, and I usually pay $100. The few times I have had to call in, the staff has been polite and thorough with me, and kind to explain things in stupid people terms. I have ** for credit, and even with the high interest, this card is quite affordable for me to upkeep. I have 4 months till I have been with this company a year. Honestly the only complaint I have is no weekend hours, and no one late at night when things happen. Granted, the next business day they are quick to solve any issue I may have. I am sorry that other customers have had such a problem. I am sure every circumstance is different. As for me, no problems.

I have paid off my balance & closed account. They debits my account due auto pay & could not address why their system could not stop the auto payment when the account was paid off and closed. It incurred overdraft fees on my checking account.

I have had a couple of things happen. If you pay more than you should in a month, the next month will show $0 as amount due. However if you make no payment, then Premier applies a late fee. Although you make your payment on the due date, they will charge a late fee of at least $25.00 if it's not paid before 3pm EST... Technically it's not late since the day is not over and it's still mid day on the Westcoast. This is definitely not proper business and it impacts every card holder. I hope an attorney can take a look at this and I would be more than willing to assist with a Class Action lawsuit. This is not fair practice.

Since I've received my First Premier Credit Card, I've always made it a point to pay my balance in full at the end of each month. But, when I've tried using the card, I've even checked my online balance, which naturally reads zero and whatever small charge I try to put through gets declined. When I talk to a First Premier CSR, I get the bs story of "It takes five days to clear." So why not leave a balance on the online statement until it does clear. Obviously they're trying to covertly keep a five-day float of interest earned from their customers' balances to satisfy their shareholders. Twits! Think I'll send my card back in 16 pieces back to them. They are not a good credit vendor to use at all.