Premier Bankcard Reviews

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.

This company is hands down the WORST credit card company out there! First of all, being a business owner myself I make it a point to never leave bad reviews (only positive ones and if I have nothing nice to say then I leave no review). But for the first time in my life I felt the need to do so for Premier Card. They truly deserve it!! I'm one to pay off my cards every month and my Premier Card was suspended (according to the customer services agent) "for making too many payments on my card in one month which sends a red flag".

Have tried over the last 6 months to access e-bill service so that I can make a payment on time each month. It always states "service is temporary unavailable". I've requested email reminders of payment date due each month and do not receive them. Every time I try to access my account online I can't either, due to "temporary unavailable". The mobile app is temporary unavailable too. I believe this is a way that a credit card company can charge additional fees. I've never been so disappointed in a company.

Stay FAR away from First Premier Bank. I got this credit card initially when I was 18 and reckless and paid high interest for being irresponsible. This time I'm 32 and much more responsible and trying hard to work on building my credit. I got many denials from companies saying I had "too few revolving accounts" because I haven't used any credit for years. I decided to pay the $99 enrollment fee plus the $99 annual fee to get good credit and a revolving account. I used the card and I've paid on it EVERY DAY so it's a habit and easier to pay small amounts each day than one large payment, this way I can pay off the balance and not accrue any interest. Well they called that "fraudulent activity" even though I have to put in my password and credit card security number each time I pay.

Worst experience. Never hurt my already poor score. I just paid it in full but how do I cancel this trash?! I wish I could meet whoever is in charge and give them a good ** slap or two for basically robbing me.

I signed up for a First Premier Bankcard to help rebuild my credit. They charge an application fee of $95 to receive your card. Before I ever received my card I received a statement saying that I had a balance of $124. I called CS and they said that the balance was for a $99 annual fee as well as $25 for a card for my wife which I requested. In the application process, there was no mention of these fees. They are deceptive and now if I close the account I'll receive a ding on my credit. BUYER BEWARE!!!

This company has the WORST customer service I have ever experienced in my life! I paid my credit card bill and they took it out of my checking account but didn't make the funds available for 11 days. When I called them they informed me that using a checking account takes longer; however, on their website it tells you that if you make a payment using ACH or debit card the payment will post the same day if made before 5 pm. When I explained that to the lady her response was "Yeah it will post but that doesn't mean it will be available". Be careful with this company they are not very clear with you. She was also very rude and hung up in my face! Horrible customer service!

So, FPB credit cards claim to increase or help your credit score, which they do... BUT YOU HAVE TO READ THE CONTRACT!! ALL OF IT!! Now, if you have poor credit, this card can help, but you need to use it wisely. Stay under the credit line and pay on time, over minimum payment if you want to reduce any interest charged. Have read quite a few complaints about the credit card, but it was all there in the paperwork I received. I have very poor credit. This company reports to all the consumer reporting agencies every month, so anytime you make a payment (on time) your credit score will go up. Just a few simple rules to follow. Pay on time. Don't go over your limit. Use the card to help establish credit. Don't take frustrations out on the people that work for the company. The people I spoke to were very friendly and helpful. I just asked a few questions about the card that I was unclear of and it was explained to me very well.

I had this card, was under debit management program, paid the card off in record. They still have a charge-off on my credit report. I requested a goodwill removal. I received a letter from Ms. ** who stated they do not have enough empathy to remove anything from my credit report.

I applied for this card to help improve my credit after my score plummeted following a divorce. I paid the $95 fee and made a few small purchases in the beginning. After a couple months I received a letter asking for "verification of my checking account" to prove I paid with my own funds. I was stunned, it was so demeaning and ridiculous I didn't act right away; they suspended my account until I obtained this letter from my bank, and reported (the suspension) to the credit bureau.

Time and again when I try to get into the card's website to pay, I can't get in for one reason or another- several times this has rendered my payment late- when I complained about the late fees and damage to my credit I was scolded by their staff that perhaps I should pay my bill a week before the due date in order to avoid these issues- NOT ACCEPTABLE- again, whenever I try to bring up the site, from any angle, the little circle just keeps turning- all other sites come up fine- tested it from another computer and site- same thing. A couple mos ago, the site just froze in the middle of payment. I'm tired of this and I think it's a sham in order to glean more money from us in fees.

I have been a member of First Premier since 2012. I paid my balance off back in March. I still had to pay $6.31 per month for account maintenance on a card that had no balance. I called to cancel the card and they said my annual fee was paid through December. I left the account open and they assured me they would close it in December. So I get a call that I owe $42.00 because of a late fee with numerous fees. I would not recommend this card to anyone for any reason.

I applied for a card on Dec.14, 2015. They took my $95 dollar deposit the following day. It is January 12, 2016 and still have not received my card. I called this morning on the 13 and they said my address and telephone number was wrong, even though I spoke to someone on the weekend where they confirmed my address and phone number 3x. I told them to forget everything and to refund my money. It's going to take them 10-14 days to refund my $95 yet they took my money out in one day. This company is not good in any form or fashion. Will update later to see how long it actually takes for me to get my money back.

I have had an account since 2012. I was called and asked if I wanted a new card and I mentioned, "No I would like my old one increased". Premier bank would only increase $100 even though they wanted to give me a new card with $800. I told them no. They then sent me a letter telling me my account was closed due to not accepting mail which is a total lie by them. They have now called and told me my account is behind, I have a large payment. They told me my card is marked lost even though they just sent a replacement. This sounds bogus. I have since read several bad reviews. Do not get one of these cards. Both capital one and Merrick seem better.

Fees on top of fees on top of fees on top of fees. Hidden fees every time you get a statement. Never use the card and you'll still be over your limit. Even if you don't use it, it will cost you $14 EVERY month for them to report your information to the credit bureau. After 12 months, raised my interest rate to 36.3%. Worst card on the planet!!!

Buyer beware!!! Do not open a card with them. I had 2 secured credit cards with them and after I closed them they would not return my deposit. They lied and said they were not secured. I opened 2 cards with them with $300 each. The customer service lady was extremely rude and even laughed at me. I will be filing formal complaints with the FTC and FCRA.

I called. Spoke to a rude CSR. Casey talked down to me that I did not understand or did I not hear what she said. Casey needs to go to listening skills training. She kept saying, "We don't take American Express then you request a supervisor" and the call drops. Very unprofessional customer service.

They are the worst credit card company. They call my phone at least 5 times a day and don't leave a message. I am going to report them as harassing me.

On 10/31/15 I made the mistake of getting involved with this company. I never activated the card, however I did pay a processing fee of $ 90.00. On 10/30/15 they claim paying that fee activates the account. I never received a November statement, but was charged a late fee of $38.00. on an unpaid activation fee. This late payment showed up on my credit report which now I have to dispute. When I contacted the company regarding this issue, the rep refused to take off a late charge, refused my request to speak with a supervisor. They offered a solution of a $10.00 credit on the account, I requested the account to be closed. I will be placing a stop payment on the charge in October, and block any future deductions. Believe what others say, they are telling you the truth, big hassle for consumers. They are legalized loan sharks, refusing to offer any reasonable resolve.

After a year of perfect payments, I requested a credit limit increase. I was denied. They said I had one late payment in December 2014. It was 7 days late. They then offered me a 2nd credit card, a whole new account number, which would have a higher credit limit. This is a SCAM! All they want to do is collect more fees and more interest on a 2nd account, instead of increasing limit on an existing account.

I have been a good client of First Premier since 2012. I have always paid on time, no issues. I recently contacted all of my credit cards and requested that the monthly fees be waived. The others all happily removed the fees and one actually refunded 6 months worth of fees without me even asking, now that's customer service. First Premier keeps trying to get me to open a 2nd account with them because I am such an 'outstanding' customer so I called and asked for them to follow suit, put on their big boy panties and waive the fee.

Worst card to possess. I'm currently unemployed and fell behind in my payments. They do everything in their absolute "power" not to work with you by reducing your balance so that you can gain your financial footing and dignity back. I absolutely would not recommend First Premier Bank credit card. If humanly possible, pay them off, close your account/s and never use credit cards again. Cash is king!

I have had this card three years. It was the first to give me a credit card after filing bankruptcy. It did boost my credit. Three years later and I just bought a house. Although I hate that they charge you 14.95 a month, regardless of whether you have a balance, I have learned that the oldest credit line should not be cancelled to help your credit score. However, when I go in to make a payment, get a notice that simply says "This account is unavailable" and tells me to call the customer service line with questions.

I wanted rebuild my credit. I got offer to pay annual fee and 100 fee to 400 hundred dollar credit limit. I always pay my bill on time and the card did nothing for my credit and score. The credit bureau don't take this card serious. I made error payment 250.00. I wanted pay 50.00 on phone. I rented a car from Alamo. The contract was closed. They sent me a bill month later for additional charges and auth slip to make payments. They never had my permission to charge my card and they kept my card on record and charge me 294.00. I sent the auth slip that I never signed giving Alamo permission. If my error payment wouldn't have posted the charged would have charged to my account. I disputed charge for unauthorized charged from Alamo. Every unauthorized charge on my account they never investigated and sided with merchant. They are 545.00 dollars in charges.

I don't write blogs but I have to let this one out. WORST CREDIT CARD. You can do your research and find out. I'm in myself, First PREMIER card - worst credit card ever. Please if you are look to apply for a credit card look other way. These instruction is a ripoff, the customer service are so unprofessional. Such institution might want to prey on teenagers or desperate people going through financial difficulties. Interest rates is ridiculous and their system is not modern compare to how much they hit their customers with. No notification whatsoever. They charge their own fees and don't care if you go over your limit while you are being charged. First PREMIER have no 24 hr assistance and no app to back it up.

This so called credit card company is like a stigma or cancer that takes forever to go away! The worse mistake you could ever make with them is signing your life away to one of their $300 credit cards! Why are people so wicked? Instead of helping the poor and innocent citizens who are trying tireless to build their credits, this card is rather doing the contrary! I have dealt with 1st premier bank since 2012! And sadly, it was one of the worse decision I've ever made in my entire life! I have paid more than the actual amount which was precisely $300 on this card but it seems like every month fees keeps adding to the current balance! At this time, I think I might payoff this card at the age of 70!

I pay my card off every month. They get my money before the due date and it post the day it's taken from my bank account. I can't get my credit on my card for 7 days after they get my cash. I want my credit to use the card as soon as they take my money. How can they steal from us like this?

I have been in the customer service field for over 20 years and also dealt with numerous credit card companies and I can't believe the fees, interest rates and the customer service they provide. I tried them out for year and had to cancel because poor quality in all areas needed to maintain confidence and quality for their customers. I would not recommend First premier card for any first time credit card users, young or old. If First Premier has any questions regarding my comments you can reach me anytime.

I am writing this to inform and warn other consumers to stay away from this card. As many others, I got this card to establish credit after the unregulated banks put this country in an economic crisis. I had no problem with the high interest rate, as I paid my balance in full every month. However, taking advantage of consumers trying to get back on their financial feet is unconscionable. Once again, where are our legislators?

After reading all the complaints received I called and cancelled my application for this card. The lady in customer service laughed and said, "Yes, many people have complained". I told her I would be cancelling the card. To which she started mumbling and I asked if I would still owe even though my application was approved less than an hour before. She began talking very vaguely and I told her it was a simple yes or no answer to which she answered that my account was closed like I asked. I have a feeling I am going to get a bill for 175.00 for the annual fee. I wish I had read the reviews prior to applying. I'm not sure what I should do now.

This company sent me a preapproved letter in the mail and I applied for a credit card. I was approved for the card with a 175.00 processing fee. I went online and paid the bill but I didn't see it post to my account. The bill due date have arrived so in fear of any late penalties I decided to call in and make a payment. The next day I seen two charges for 175.00 in my checking account so I contacted my bank to stop payment on one of the checks. I also went online to check my First Premier Bank credit card and it said I owe 175.00 plus late fee which came up 202.00. I then contacted the First Premier Bank and explain to them what happened. I was told "It will set off red flags if I cancelled either check" but at this point I had already cancelled one of them. The next thing I know they closed my account.

I paid .47 over the amount that was due. As a result my online payment was rejected so I was told. I repaid the exact amount which was posted to my account, yet the credit balance remains. The company is going to wait until Dec 1 to review the account versus giving me my money back as I was informed.

This company closed both accounts because the one account had two return payments. The second return payment they claim the bank refused to pay because it was a corporate account. The account was a personal account. My son obtained these cards to build his credit but they are not even worth it. I am an authorized user and we will just pay off the balance in full for both and he will stick with Capital One. Stay far far away from them if you can.

Tried to rebuild my credit with this company. Took the credit card, even though had 36% interest rate. Come to find out I have a $14.95 month servicing fee, plus an annual fee of $49... I go to close the account. Once I get it half way done and before year is up, they deny. They claim they are going to keep charging for servicing even though account closed... And if I no longer want their card, I still have to pay the annual fee??? Really... And their REP, some ** named Cesar talks demeaning to you and says you still paying... They don't care. This is the WORST card ever.

They ripped me OFF with $200. They closed my account after it was paid off full. ** They will pull your skin off!!! STAY AWAY!!!

I got this credit card to rebuild my credit and it did the complete opposite due to their lack of communication and punitive measures against me. I was a victim of fraud. First Premier Bank sent me a affidavit to sign about the fraud on my account. Although I sent the forms back in through US Postal Mail as instructed, they said they never received anything from me. Overnight, I went from having a $25.00 minimum balance due, to a $1000.00 charge from fees they had reversed because they said since they did not receive the form I mailed they reversed the credit. No one communicated to me ever this would happen, and ALSO I mailed back the form. Fearful of disrepair to my credit and beholden to their requests that I pay $609.00 to them on October 31, 2015 for a payment deadline of November 2, 2015. I had to forgo paying my monthly mortgage on time so I did not get my credit score dropped.

There are other options available that will offer you the chance to get a credit card and rebuild your credit. My big issue with this company is that I paid 3X the minimum due, never missed a payment and had the card for over a year. They would not eliminate the ridiculous monthly servicing fee - said it is mandatory. I have no issue paying a higher interest rate while I'm rebuilding my credit, but the monthly fee is just crazy. I cancelled my account and am paying off the balance, but the monthly servicing fee still shows up on my statement each month. I cannot wait to be done with this company. Do yourself a favor and apply with either Capital One, Merrick, or Legacy. No monthly servicing fees, lower interest rates and lower annual fees.

Do not get this card!!! They blocked me from using my card because I paid my bill from 2 different checking accounts. Well I have 2 different checking accounts. They wanted me to go the banks have them fax over proof of payment on bank letterhead and etc. Needless to say they were paid by the banks. I did not call in saying anything fraudulent is going on with my account. Now they have charged interest and reported to the credit bureau late payment. How can I pay on a card when they blocked me from using it. Also, complained about the my paying the bill with my accounts. Get yourself a reputable secured credit card (like **) where they may lock the card if they feel some questionable activity may be taking place then you contact them and give security information to verify yourself. Oh and one more thing, they not only locked my card but basically told me I would have to be reviewed again... even if I had my banks send in all that info.

As everyone has commented, this card is outrageously expensive, but that's not all. They love to make trouble for customers for no reason at all. This month, I paid down my credit card debt online to less than 10% with this and other cards, to lower my credit utilization. Then they told me my card was suspended! The reason? They said I had used four different accounts to pay down my debt. They also said I made four payments in one month. They regarded that as "suspicious activity!" Imagine that! They said this "raised a red flag" in their loss prevention department. In fact, there were only two bank accounts I used. Each one had an account number and a debit card number attached to it, so they called that two accounts each. Explaining this to them did no good.

Here's a situation that is MIND BLOWING. I have 2 First Premiere Bank credit cards. I have a PERFECT record of payments on both. I received 2 letters from them a few days ago, saying that due to "odd activity" they have suspended the accounts. What was the odd activity? You ready? I made too many payments within a very short time on both cards! The payments went through, of course. Are they insane?

Don't get this card or go with this company. They will ** you over bad and mess up your credit score. I've only had it 2 months and I am regretting it. My credit was messed up right away. I have other cards I've had for yrs and not one problem out of them. Premier has put charges on my account I don't know about. Had foreign company bite on to my account. They won’t dispute it. All they wanna do is arguing. This company sucks!!!

I was happy to receive this card as it was a compliment to my Capital One card - amazing service there, and online access is top notch. Quite opposite to FPBC. To start when I first logged on, I realized there is no online support to setup anything. Everything has to be made via phone call (hello 90's), no email, no online form, no automated support to set up direct deposit or make a payment. I have 2 full time jobs. I do not have time to dial phone number and cycle through countless menus. Unlike Capital One where I logged on, setup my direct deposit, and auto pay to keep my payments on time - a click-and-forget, was not possible with FPBC.

I got this in June to build credit and immediately my credit rating plummeted! Not only that, but they charge for EVERYTHING!! I had to pay $90 just to get it. Then I paid it and 2 days later they were calling about a $49.95 completely arbitrary fee of overspending my credit limit?? My credit limit is $300. I spent $300. Two days later, I was getting called every day for going over my credit limit. I am closing it. I still owe them $300. I will figure that mess out, but to hell with this. Do not get this card.

This review is to warn all consumers to think twice before obtaining this credit card. I had great credit, no late pays on ANY of my accounts. I decided to get this for traveling. All of my problems stemmed from not being able to set up the auto-pay online. The asinine system does not allow for you to sign up online. You have to submit paperwork, which I did. With a very severe illness in our family, I did not follow up to make sure that the paperwork was received.

30% interest rate, 14.00 per month fee, 99.00 initiation fee. When you call to close the account you get some ** that argues with you to persuade you not to close it. If you have one of these, cut your losses asap and cut the card up. There are much better Credit Cards to have if you want to re-establish your credit. Try Merrick Bank or maybe Credit One Bank.

The fees keep adding up and I call and NO help. I have not bought anything in months and I have auto pay from my checking account and my amount due keeps getting larger and larger and when I called, I was told I paid the monthly fee and did not pay the Monthly and Yearly fees so I have an over the limit fee and two months and now I owe more than the credit limit. This is wrong and a scam.

I had gotten the first Premier credit card with a $300 limit on it. I've had this card for about 6-7 months now and have been making my payments on time every month, but I pay every 2 weeks to the day sometimes the amount is over $200. Well, today 9-17-15, I check my balance to find out I don't have any money in it after paying 275 on the 11th. I call to find out had happened to all the money on my card. They had told me that my account had been suspended and the reason they told me was the most bogus excuse I've ever heard. My account was red flagged apparently because I pay my card 2 times a month (I get paid bi-weekly) and sometimes my balances are a large amount.

After I applied for the card, I had to pay $100 processing fee on top of the $99 annual fee ($199). I used the credit card twice on the first month. I scheduled the payment online through my bank account for the full amount due. The payment was not processed because I mistyped the account number. I received a call from their customer service letting me know that I missed a payment. After I explained to them that I scheduled the payment online and verified my account number, the rep asked me if I can pay with a debit card over the phone. I paid the full amount due, no questions asked. I found out the next day that they completely suspended my credit card account. I called and explained to them that I have done what I was supposed to do by submitting the payment online and that I didn't have any intention to not pay. They didn't care!

I opened this account because I was wanted to work on my credit and needed make some house repairs. I made 3 payments in one month all over the minimum payment - all well before the due date. I got my statement and it said that I was over the limit so I tried to sign on and make a sizable payment to bring it back under the limit and it told me they could take my payment without calling in and paying for a phone payment. I refuse to pay the extra fee for the phone payment so I mailed a check in this morning. I just received a call from a rep that said that I missed my payment. What?!?! How can I miss a payment when I made three payments in one billing cycle? Then I was told my payment was not big enough. Really it was over what they said my minimum payment was so how was it not enough?

I ordered one of their credit cards and before I even received the credit card in the mail, I was billed $116.00 for annual and monthly fees. I told the Customer Service guy that the card hadn't even been activated yet as I had not received it. He said the card was active and in the mail to me, that there was no laws prohibiting activating the card before the user received it. I of course cancelled it immediately and will fight the bogus charges.

I only had my account for 2 months before I closed it. They have fees for everything! I made my payment last month, then checked my balance and was somehow over the limit but I had no transactions and I was nowhere near my limit!? It made no sense so I called to clear it up and was told that my payment wouldn't post for another week. When I told the representative I wanted to close my card she asked "Are you not looking to build your credit anymore!?" The customer service was terrible! I have never had a problem with a credit card company before. This was a waste of time and money!

I got this card, they said if I paid $99 I would have $400 credit limit. It looks like the $99 was still charged to my card even after I paid it. When I look at what is supposed to show what I paid on their website it say nothing. The balance they show does not match the balance I have for my charges. Even though the balance they show is off it still shows I have an available balance and my card was still declined for a charge that was much smaller than my balance. This card is a scam, if I knew how bad this was I would have never signed up. No way to contact company when card is declined even though you should have a significant balance left.

They are dishonest. Fees are outrageous. Every month when it's time to make your payment, the online system is messed up to make payments. You end up having to call in to make your payment, so don't pay at the last minute. Processing fees are high. If you mail your payment make sure you mail 2 weeks in advance, so it will be posted to your account on time, because if you don't, you will charged a ridiculous late fee. I mailed my payment 1 week and a half in advance, and they stated they received it the day after the payment was due. They are shady. I closed my account and just paid it off because I was having trouble making payments. Bad credit card.

Accounts closed. Paying of balance and they still charging me a monthly service fee of $14.50. Ridiculous. This card is NOT WORTH it. Customer service is not professional. What can be done? They refuse to reimburse me the service fee.

What makes no sense is that the fees when you first get the card go through automatically but actually the payments on the card take two weeks to post even though they came out of the bank the next day. This company is horrible. How is it that you can post the fees and activation right away but you can't post my full payment? This company needs to be shut down. It will take two weeks for my payment to go through. It makes no sense. I'm fed up. This card is going to be canceled and I've only had it for a month.

Unbelievable. HEADS UP FRIENDS: DO NOT EVER GET A CREDIT CARD WITH FIRST PREMIER. I have a credit card that is PAID OFF that I attempted to use for our home inspection. The card was declined twice so we paid with debit card. Well the credit card company claims there are two charges pending from our inspector both for $297. The home inspector tells the credit card company while I’m on the line that they've already been paid and to release the funds and they claim they can't without the payment confirmation code. There was no confirmation because the damn card was declined when the funds were available. I'm furious. And this is not the only trouble. The card is only accepted half of the time and I have always paid on time every month!!! They are horrible. One star only because you can't give no stars.

I also tried to redo my credit with this card. The way they bill is very sneaky! You pay the "balance" but it isn't really the balance because of the way they lay it out with the dates so you end up having late payments and then fees. Additionally there are these "service" fees that I have never seen in another card account!! DO NOT USE THIS CARD FOR CREDIT IT WILL MAKE IT WORSE!

I too paid fees for this card to improve my credit score and have had little trouble until now. I went online to make my payments and if you make more that three payments a month, they get testy. They sent me a letter saying I could not pay online any more and then sent me two new chip cards with different numbers and expiration dates, saying the old cards needed to be destroyed. I can't sign up for online payments with the new numbers, so I am in a pickle.

I pay my card off every month. But, I also have automatic payments made to other companies that come out of this account. So imagine my surprise when the cable company lets me know they didn't get their payment. I go on 1st Premier's website to see that my payment to them was credited but they haven't made those funds available yet. This really burns my ass, so I sent them an email. It's Saturday morning here, and they have no office hours on the weekend. There is another payment due to ding the account on Monday. I'm going to get out from under this horse as soon as possible.

I was ok with this card with huge interest rates. I was under the impression there would be one activation fee of $99. When I got the card I could not activate it without paying another $95 fee. Which is like gambling. You put up $95 they will probably give you the $301. So you are paying almost $200 in fees for getting $200 in credit. Not worth it. So I called to cancel and got transferred to Tammy who is like a sales person to get people to not cancel. I interrupted her pitch several time to say I just want to cancel. Finally got a cancellation number of ** which feels odd. But if you start the sign up process and don't cancel they can still charge you that $99. This card is only for the most desperate and this company is preying on their vulnerability.

This company charges $175.00 U.S. high interest rates then rips you off by locking your account down when you attempt to add to apple pay. This is determined by these dumbasses as fraudulent activity and there is no online verification process once they lock your card down. What they do is send you a letter via snail mail explaining they have frozen your account and the only way to verify it is to send them a letter proving that your social security number is yours. WHAT??? I know, I know I'm scratching my head too.

I applied for this card through Credit Karma to help my credit score. I paid the $95 fee that is required and my card was activated. I made one purchase with the card and had my remaining balance for more usage. I check the balance a few days later and then the card was canceled. I called the customer service to ask why. They said that it was an issue with my bank and could not help me. I called my bank whom confirmed that the $95 fee was taken from my account and there are not any issues.

I paid $70 to First Premiere on the 24th. Balance is still not updated as of 7/31 even though they took the $70 out of my account. Will be closing this card at the end of the year.

I have been with this card for 5 months and I have NEVER had a problem or had to contact customer support. This card helped me dramatically with my credit score. I had a debt on my credit report that belonged to a relative with a similar name. I was denied for every single credit card because of that debt. At that time my TransUnion score was 540 and no Equifax score.

I got this card balanced renewed so that I could boost my score. My fiancé is taking over the payments so that we can get it paid off. He fell behind and now they call multiple times a day. He spoke to them once and when they called back, they answered and said that they couldn't talk to him because it wasn't his acct. I have had other companies authorized to speak to him on other acct with no problem. They called me today and I told Jennifer, the rep, that she needed to speak to my fiancé since he was handling that account. She rudely said "no, you need to talk to him and ask him why he isn't making the payments." I told her that "I just gave you permission again to speak to him" and she still got rude and hateful. Guess I will just put this card on bankruptcy and let them eat it!!!!!

I have 2 Premier credit cards & paid them off, but wanted to close out the newer card due to high interest rates & annual fee. Called to cancel card & was offered a $35 credit to not close the account out. The $35 would go towards my insurance on the card for the next 4 months, so got the credit for July. Went online to look at my statement for August & notice I had an $8 charge & the credit was gone. I know $8 is not much but my point is what happened to the credit. I called to talk to customer service & basically became very upset with whole situation & ended up just canceling the card because they couldn't tell me what happened to the credit. DON'T GO WITH THIS CARD. THEY SUCK & WILL LIE & TRY TO CHEAT YOU OUT OF MONEY.

I signed up a year ago. Barely used the card and paid the balance off. They added a monthly fee to my card that I did not approve and had a hidden yearly fee that I was not aware of. They never sent me a bill in the mail. They charged me 14.50 x 2 monthly fee, then hit me with a late fee of $30 x 2 and because I did not make a payment on the 14.50 that they never told me about, then they added a yearly fee with other misc BS that added to $109. They called me and demanded I pay this fee. I gave them a debit card # and when they wanted a confirmation, I said "Hold on. What are these fees?" I asked to get transferred to a manager. The manager said he would waive my fees and close my account for me. Two days later they charged my card without authorization for the fill $109.90. Crooks and thieves. Made up $109 bucks and stole it without my authorization. Isn't this illegal???

Last Thursday I googled fair credit score credit cards. First Premier Bank Credit cards dominated my screen. I applied for the First Premier Bank Credit card. I was charge a $75 processing fee. Last night my new First Premier Bank Credit card came in the mail. When I opened it, it came with a statement showing that I owe another $75 for an "Initial Fee" and that my first payment of $30 is due immediately.

I've had this card about 8 months. I have had no issues with them. I messed my credit up, not someone else. This card is doing what it's supposed to do and that is raising my credit score. Yes, the fees suck but that is the price I have to pay. I pay multiple times through the month and my payment post promptly. I do not know why everyone is having issues. Pay your bill and you will be alright.

I had my card for about 2 weeks when I get a letter stating that it has been cancelled for not fulfilling the activation fee in time. I never got a statement! The letter went on to say that I was still responsible for the fee - if not paid, late fees would be added and I would be reported for non-payment. WHAT A SCAM!

Before I got the card to help rebuild my credit, I read everything even the small print. I was aware of the fees, etc and decided to pay my balance in full every month. I have had the card for 8 months, paid in full on time every month -- with no returned payments. I would use pre-paid debit cards you purchase at the store to make online/over the phone payments, like most reputable financial advisors/institutions advise to avoid identity theft... You know like what happened at Target, The Federal gov't, etc. I have a bank that I can only do online banking with. Anyway I made my payment and was so happy I had enough left over for gas and groceries between paychecks. And then it happened; First Premier froze my funds and said because I use too many different debit cards they can't release my funds until I verify I purchased them. They said I could be stealing the money to make my payments. REALLY?!!! Who the hell does that?

I got approved for FP card in June, cl 400 and I ended paying 195 for all their fees to get started. So technically my cl was 205 after paying them all those fees. But my credit was in a dish so I had to suck it up. After reading all these horrible review, I decided to do a research on how to make payment without being taken advantage of. Luckily, I found out that Walmart takes payment for fp credit card and it's posted instantly to your account for $3.75, which is far better than $38.00 late charge. I have being using Walmart to make payment since I got my card. So far so good and I often pay off my entire balance each month to avoid interest rates charges. I also stay in my 30% utilization, which out of 400 I only used 120 per month and pay on the 10th of each month. The actual due date is the 14th of each month but I pay 4 days early and my payment is posted instantly.

When I gotten my card in 2008 it had limit of 275$ but I was only accessible to 75$ - all the rest were their fees. I took out there insurance for disability at the time too. So I was injured at work and could make my payments which I called to file a report. I even gave them my workers comp lawyers number and everything. They never filed the report and have left this bill on my credit report til today 2015. They even have the amount built up to 475$ when the limit was only 275$?? They are a scam company and ruin people's credit. How does Illinois not have laws against this predatory lending??

I got the letter in the mail it seemed like a good idea. So I called them, went through the whole thing and at the end was asked how I wanted to pay the 95 dollar processing fee. I told the woman that I didn't have the money. She wanted to know when I could pay it. I told her I could not afford it and I apologized for wasting her time. She continued that I needed this card and that everyone has bills but as soon as I paid the fee I would have 301 dollars. I told her it wasn't plausible and she said I needed to pay it because otherwise she would just be mailing me a useless piece of plastic. I told her not to make it in that case. Argued and argued with me until I told her I would call back and pay the fee when I had the money. The whole thing lasted 30 minutes. Absolutely ridiculous.

Do yourself a favor and DO NOT get this card. Though it does help re-establish credit the fees are extraordinarily high. There is a fee for everything. They charge fees for what most high risk credit cards charge but their fees are far higher. I typically paid no less than $100 towards the balance and being there was only a $300 credit limit most of the time it was paid off since the interest rate is 36%. My problem arose when I tried to pay my bill online because if you pay over the phone there is $10 processing fee. I had my card in front of me and when I went to log in it said the CCV number was invalid. Really... The card is right here... Long story short, I called to make my payment over the phone and they would not waive the fee, I asked why I couldn't log in online and they didn't have an answer for me. I typically make my payment 1-2 days before the due date. I tried numerous times to log in but was not successful.

I would like to know being this is not a prepaid card, why is money taking out before you even receive your card? It is bad enough the interest is through the roof. If they chose for us to pay a fee why not spread it out over the year? This is a shame for a company to use people that has less than perfect credit like this.

I have paid this card in full without fail before the due date. I even paid the $175 processing fee in a timely manner. Because in order to use a debit card to pay the bill, you have to be routed to the Western Union site. I opted to directly draft from my bank account. The money comes out in about 3 days. Annoying but like waiting for a check to clear. It then takes anywhere from 10-20 days for them to decide to credit the payment they have received to your account. So if your limit is 400, you owe 300, you pay 300, they RECEIVE 300, your available credit is still only $100 until they decide to post it to your account.

I paid First Premier Bank through MoneyGram and now they won't release my funds or credit my account. I have a new $27 late fee when the payment was made on time. MoneyGram will not give me a refund because they said First Premier Bank has my money. On the First Premier Bank website they state that a MoneyGram payment is considered guaranteed funds that will not be placed on hold. But they are holding my funds. I appreciate First Premier Bank giving me a card because it is helping build me to credit but it is terrible that they decided to stealing my money.

I have never had a problem with First Premier and I have had it for six years now. Anytime I have called them they have been nice and polite, even when I had to pay late because of a hospital stay, I was not charged a late fee nor have I received a "courtesy call" some are saying they get. Yes, the interest rate is high but that is what happens when you have no credit or bad credit.

I was accused by an angry ex-boyfriend of getting a card in his name fraudulently. They canceled both of my cards and demanded payment in full on his. The detectives knew I hadn't done this and no legal action was ever taken by the police. I filed a complaint with the attorney generals office and they forwarded it to the Federal Reserve consumer complaint dept. and also Consumer Financial Protection Bureau. I am presently talking to several attorneys about launching a lawsuit. They all seem to feel I have a very strong case and are asking for a huge settlement. I urge everyone who is having problems with this bank to file complaints.

I only wrote this review bc I thought it was important that if you know what you are doing, these cards can help the people who have destroyed their credit. Key thing is pay twice a month at least twice the minimum. Minimum payment is 25 dollars. if you can't pay 100 dollars every month.... don't get a credit card. And don't talk to CSRs they just screen the calls you want to talk to the Acct Specialist and ask for their employee number before you say anything. "Hello **, I hope your day is peaceful, can I have your employee number in case if we get disconnected, my cell phone doesn't get the best reception".

I applied through credit karma for the credit card. It said pre-approved with no credit check. They did 2 credit checks and they are trying to charge $99 for initial fee and another $95 for processing fee. I was notified about fees until it came in the mail. I refused to pay them a dime. I will be filing a small claims case for the illegal credit checks. I will never use the services they provide and they can shove the card where the sun doesn't shine...

I have paid 2x about $100 over the minimum I had to pay. I called them to ask actually why I was paying this high amount because my first bill said to pay $142 and change, so I set up monthly payments automatically from my checking account to come out before the due date so I wasn't late. So I spoke with a representative and she stated "I don't know why you are paying this amount, you minimum is only $30.00 a month." So I changed the automatic payment to $30 a month and this is where they get you. They lie and then you pay what they tell you and it wasn't the correct amount and then BAM you get a late charge!!!

High fees yet it help build credit. I just check my annual credit report and it shows my premier account and in good standing. What can I say there ups and down with every credit card company. I understand all frustration but I never had any problems with payments and usually when I use my card the balance will be available as soon as the next day. So far so good this card.

Beware. They send you a letter stating that you're approved for $300-500, probably $1000. But when I called in they told me, "Congratulations, you've been approved for $225," which I have to give them a $95 as a security deposit. They have interest fees and interest rates that could go up to $400-500, meaning that they will probably make $495-595 on my account. That's double the profit for them. They are ridiculous when they congratulated me for being approved for ** amount when I have $5000 with Chase and they didn't ask for a security deposit, a $1000 Discover card and a I don't know how much American Express on the way. Basically my opinion is that it's a pyramid scheme and nothing else. As in your money goes into a ** poker which will probably be cycled in use to rip off other consumers such as yourselves.

I received a notice from First Premier telling me I owe almost $100. On a card that I paid off last year. Spoke to 3 people and problem still exists. Cry foul help.