Premier Bankcard Reviews

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.

With the rude customer rep he had the nerve to ask me why am I canceling the card! And was telling me I should just stick with them to build my credit. I'm okay. Thanks for all the comments!!!!

Don't know what made me accept this card (high fees, poor service), let alone to I should have listened to the other angry customers. Now I have to explain to my wife that I have no anniversary gift because my credit card company won't release my funds.

I wanted to pay my account in full and close the account due to the high fees and monthly fees. I was told that it would hurt my credit by closing the account and I told First Premier that I would deal with that, but I refused to continue paying those outrageous fees. It would take forever for your payments to post and be available for us. Then they tried to offer me a second account and I told them NO!!! I am trying to close the one that I currently have. They tried to refuse me closure of my account but finally I closed it and now I am getting collection calls from some collection agency in Missouri and I told them where they could go that First Premier got all the money that they were going to receive out of me. Stay away from First Premier Bank. There are several other banks out there that are willing to give people a second chance with much less fees and much lower interest rate.

I don't understand why they would charge a monthly service fee just to use the card. Not to mention the ridiculous interest fees.

Let's be fair, First Premier is available 24 hrs to make payments, by any phone: mobile and land line or online, they accept credit, debit and checking accounts. Obviously a payment can be made. I've had no issues of any kind, they gave me credit when I had none, have always been polite and helpful. Only minor complaint, slow to increase credit line and score.

So today, I closed my account. I have to say at the end of the phone call that my blood was boiling. Well, that is after I finally got through and was not getting hung up on. I had called the automated service and put my info in only to be hung up on when going to the next prompt. Next few times I tried calling, the automated service does not recognize my information at all. I finally get through to a person and even though they are customer service, they can't close my account. They have to transfer me to a specialist... I want to close my account, why am I being transferred to a credit specialist??? I get hung up on again. I call a few more times, automated service is not recognizing my info again. I finally get through to someone and they transfer me to a credit specialist again (Still confused why I have to be transferred to one to close my account).

First Premier Bank may offer cards to those who are with bad or no credit. My husband had no credit and this was his first credit card. This thing is a pain. They call with "courtesy" calls weeks before the payment is due. The interest is outrageous (pay the thing off in full every month), customer service is a wreck to deal with. They have even spoken to me in detail about the card (I am not on the account and all they verified is that I was his wife). Making payments online is out of the question unless you want to pay a fee, paying your bill on the phone for the due date within 48 hours of the due date has a fee associated with it. The card and the so called "privilege" to use the card is not worth it.

The evening of 6-8-15 I tried to pay my account of $200.00. I was using my debit card to make a payment. The service hung up on me three times when punched 0 to speak with customer service. The automatic service is 24 hour not the customer service. I didn't get that. So I called the next day and spoke with customer service. Gave the information what I wanted to do. They have kept my card on file. I never gave them permission to do so nor did they ask to do so. I verified that was my card and gave the CV number. It was denied twice. I called my bank, there was more than enough money to cover my payment. They are crooks. Stay away.

Worst credit company in America! Every time I make a payment & it's deducting from my bank/debit account my funds aren't available until 20 days! This is redundant & backwards. If you're taking money from my bank account why can't it post directly to my CREDIT CARD! I'm so fed up with First Premier & this is only the second month. I'll pay this card off & I refuse to use it.... I never have this problem with Capital One. On top of that they're customer service SUCK! Rude & angry women all the time. Too bad they hate their job, but that's clearly not my problem.

I currently making monthly payments but this company is charging me more in fees and interest than the payment amount that I am making. Furthermore, their online agreement states that your monthly service fee is only $6.50 a month but they have been charging me $14.50 a month since I have had this account. That's more than twice the amount stated in your agreement. I have contacted them attempting to lower my interest rate so that I can pay this account off and they are of no assistance. My bill gets higher every month regardless of the fact that I make my payments on time and the account is closed so I am no longer using the card. I have written letters that they do not respond to. I have called but the reps over the phone have the absolute worst customer service and lie. And now I am doing these online complaints. Something has to give.

On June 1, 2015, I called First Premier to attempt to settle an old debt that I couldn't pay 3 years ago. When I was connected with the right department, I asked the simple question that "If I were to pay the bill in full, would it be possible to also have the bill taken off my credit report?" The gentleman whose name was ** (and I use the term "gentleman" very loosely) stated that "First Premier does not do the 'pay for removal' service that some creditors offer".

First of all I need to mention how the phone reps "I" was in contact with were not very good at speaking English and had very thick accents! Plus they gave me false info that was important to me and pertained to my account with their company First Premier Bank, which then caused a bad reflection on my credit score. Even though they did fix the part where I didn't have to pay the penalty fee, it still reflected poorly on me, even though "I" had done nothing wrong. Also just recently I have closed out my second card (which is a whole other story on why there were two) and boy did I get a surprise! Not only did they penalize me for not giving them enough money, supposedly I was also late but the lady I talked to never told me there was a set time to pay the card after it is closed out, I just needed to make monthly payments. Yes I am a newb to credit cards, figuring it out as I go. Not only did my balance go up my credit score took a huge dive.

I just had a very bad experience with this bank. They sent me an introductory letter in the mail stating their terms and conditions. I accepted them, and paid the $99 processing fee. I waited 2 weeks for the credit card to come in the mail but it never arrived, so I called them. They said they sent the credit card back in the first week of April. They lied. They said they would send a new card, after they lied about the first one, but that took almost 2 weeks also. I told them also that the first payment due date was too soon and they said they would reset the account and the due date, ANOTHER LIE.

Well let see. It took two months for me to get a credit card I paid 95 dollars for processing... I had to have a credit card express mailed which I was not going to be charged for Life... and to wait almost a week for that correction then waiting still for a re-age that was too happy to show me current. Now mind you they sent me a card two months later unable to charge because they had me past due. Never used the sorry ass card once. The Customers Ser Dept overtalks the customer, Collection don't read any notes. I hate them and I will make it my job to report to all social media sites and BBB how I was treated.. THE ONLY DEPARTMENT THAT TREATED ME WITH RESPECT WAS RETENTION... SAD VERY. I GIVE THEM NO STARS... HELL.

I paid my balance off to zero and one month later was charged $49 dollar yearly fee and then charged $49 late fee on the $49. Stay away from these crooks. There are other ways to build credit! I spoke with a supervisor and he knows that he works for crooks and tried taking off $15. What a joke. And then froze my account! They can keep their cards and kiss my bucks goodbye!

I'm new to first credit card in which I have been approved for a 300.00 credit limit. First Premier credit card debited their $35.00 annual fee and then required consumer's to pay a $95.00 non-refundable fee. I called First Premier credit card to inquire about the $95.00 and only to be told that in order for consumer's to get their card activated they must pay the fee first. And depending on the form of payment when paying the $95.00 fee, consumer's can have access to available credit if they pay by debit card versus extensive delays when paying by any form of bank accounts. However I paid the $95.00 by debit card and then I used the credit card, and after checking my credit card balance I discovered that my credit card balance has reached $289.00.

Please do not get a credit card. Aside from their hidden fees their customer service is the worse, very rude, unwilling to resolve issues. After only being a card holder for two months I closed my credit card with them. I don't want anyone to go through the same awful experience and pay the unfair fees they hide.

I've had this card about a month and have used it and paid it off right away. Now they froze my card cause they need bank info. Why am I being punished for paying my balance off right away? It doesn't seem fair.

I was excited at first. I did read the reviews so I gave them 195 dollars to get to $400. So I guess I paid already half the credit card but I wanted to rebuild my credit. Now I ordered. Everything that I bought, I pay them back in full every month so I wouldn't have an interest fee. Now I am they're saying one month behind. I'm not behind on any payments at all since I pay them within 2 months of having the credit card 5 months worth of payments. I paid in full every time there is saying that I am a month late and charging me $97.

Absolutely horrible! Cannot believe that I fell for this trap. I got this card to help with a cross country move, and making payments on it is such a headache. You have to call about two days in advance, and they charge you all kinds of stupid monthly fees. Forget about the payment due date, there is none. You have to pay an extra C in order to pay on the actual due date. Not to mention the humongous interest rate, and also the monthly fee that is absolutely ridiculous. Completely waste of money and ridiculous. Do not ever ever ever ever get one.

Premier is a good starter for those with bad or no credit. This card helped me get my score back up after reckless spending as a young adult. Yes, there are fees and yes they are high. But that's the cost of rebuilding or building your credit. Pay your due and fees and only use the card in an emergency. Now I have a Chase United Miles card. That's a big step up and all I had to do was make my monthly payment here and keep up with everything else. If you're looking into a card to help rebuild your credit, then check these guys out. But make sure you know what you're getting into.

No customer service. The statement date does not match when the payment is actually due (by phone it must be made 2 days in advance) or must use an express payment with a charge of $9.95. They charge an interest fee and a monthly service charge of $14.50 so your monthly payment starts at $35.15 and if you follow the statement date it could be as high as $45.00 without making a charge. You must track your monthly charges to include ALL FEES not to go over limit or there will be another fee of $34.15. Yep we are now up to $69.00 for one month.

I been with premier for four years. It's ok card to build your credit. But the interest is very high and got my credit back to good standing tried lower the interest they refuse. Also tried to increase credit limit after two years was never late with payments still refused. In my opinion that is bad relations for long term customers. They don't seem to review accounts to see about lowering interest or increase credit limits.

I want to warn other about this First Premiere Credit cart account. First off the fees are high for the card under the guise it helps build credit. It doesn't help your credit for years if at all. Next they also play a game charging "servicing fees". What that is I have no idea but have been hit with 40$ in a single month in them. The game they play? You have a low 300 balance. You get a "servicing fee" when your balance is 0. Now it's 40 bucks. You don't send a payment because you owe nothing. Now it's late 35 more dollars. You are reported to the credit report agency as a late payer. 30 days have past another late fee and servicing fee, you are now max credit limit and a fee for being over limit is tack on. All because of a service fee that is criminal, you have a few hundred dollar debt and worse credit. DO NOT GET THIS CARD IT IS NOT HELPFUL AND IS UN-AMERICAN!!!!!!!!!!!!!

Spoke to ** at first premier bank. Just spoke to him, on the phone, at 7:49 am. He was not helpful, and not useful... $175 yearly fee?? This is a joke. These people are nothing more than thieves. Also there's $14.95 fee and 24.95 interest fee and a card protection fee of 6.99 which doesn't even help at all. These people are really good scam artists, that's for sure!

I received card application and paid fee before they sent the card. Had card for 2 months, with card only having a 500.00 limit. I paid it a couple times per month, always had a zero balance. Received a letter stating I needed to get a letter from my bank to verify my identity. I went to my bank and they thought I was crazy. I received letter and tried to fax to number they gave me but there was never a answer, so I mailed the letter. Called them and they said they could not verify the banks letter. I think there should be a class action lawsuit to recover the fees that people have paid.

I had been pre-approved, approx 6 months ago. Fees are so high every month, made me fall so far in debt with this card. This month, I had to pay $76.00 (April 10th 2015). Was shown I had a little over $50.00 in credit I could use. I used $5.00 then it brought me in the neg. Received a phone call last night (April 16th 2015) one telling me I had to pay another $40.00 by April 30th due to more fees. Not sure what my next step will be, but one thing for sure, I'll make it so they will no longer drain me. Big mistake on my part.

So instead of making debit card payments go inside Walmart to the atm and do reload prepaid card and load the money to your card. It post immediately. They have been getting over by charging these ridiculous fees and won't tell you this very thing. Last week I paid 11 for expedited services then I Googled can this card be loaded at Walmart and I have loaded my card four times this week.

I had an account ending in ** since 2008 with poor experience with First Premier. In January 01, 2015, I paid account in full. First Premier just assigned a new account number ending in **. I never asked for a new account or card, do not wish to have a new account or card, I did not ask for or knew anything about the new account, First Premier JUST DID IT! Now it seems there are scads of new charges and fees, all seemingly originating in Sioux Falls, South Dakota. It also seems to be that they (First Premier) say I'm obligated to pay this fraudulent account until 2026 and charges could amount to over 50 grand! And nothing to stop them from doing it again! So do I file for bankruptcy?

I received the card several weeks ago and never used yet today, I have a balance of $70 and had to pay a minimum payment of $60. This represents an administrative fee and a past due balance because I did not realize a payment was due on April 6th. So a mere 4 days late and $30 late fee charged.

First this company has been every bit helpful and kind in every way. Yes you have to pay to have a credit card but you know that going in. Their payment protection plan is top notch. Even better than some the big companies have out there. I know this to be fact. I came down with cancer one month ago and they stepped right up to the plate again to help me out. The difference is this simply. If you pay your bills regularly, this is a great company to work with. I tip my hat to first premier bank card and thank you.

Premier sent me an offer of a card with a $750 limit. They charge $175 for a yearly fee. I registered the account online and that was an additional $5.00 fee. I used the card and made a payment. Now they closed the card and won't tell me why. I can't even log in to make a payment. This card is a total rip off! It only has a balance of $280. So basically I received the card, can't use it but still have to pay the fee.

This company cancelled my credit card for making weekly payments from my bank account. Apparently that's a red flag? I'm now stuck on vacation without funds to get home. I told them to leave it cancelled and I would pay it off and they can keep their card. Being penalized for making payments too often is crazy!

After several years of good experiences, I was victim to a fraudulent purchase & ultimately the charges were reversed - but they treated me like I was a criminal as opposed to a long standing customer. They 'discouraged' me from disputing the charges and made it a rather difficult and time consuming process and failed to update me. And when I had to call them for updates during the 5 week process (yes, 5 weeks!), they would always try to get me to apply for a new card instead of addressing my issue. I can't give my business to companies like this & you shouldn't either!

In addition to the interest rate, you are charged a MONTHLY FEE of $15 (in my case it's $15). When I asked them to close the account, they did. But until I pay off the balance, the monthly fees continue in addition to the interest! Tell me this is not The Merchant of Venice and excessive charges these people are stealing! There's got to be a law against this!

I had a first premier bank card in 2013. I lost my job and could not make the payments. I have now spoken to first premier bank and made a deal on the payoff amount. I was told by the individual I spoke to that after the amount is paid, it will be removed from my credit report. (I forgot the name of the person I spoke to, from now on I will write names down, lesson learned). I have checked my credit report because I am attempting to purchase a house. It is still on my credit report, Spoke to customer service and was told it is not in the bank's policy to remove this from the credit report. This is wrong, this is why the middle class cannot move forward. With this remaining on my report for the next seven years, I am trying to build a better life for my family and now I am hindered by this report. Shame on you First Premier Bank.

Ok, I was thrilled to get the so called $400 credit line but they did not tell you upfront that they would be taking $99.00 of that initial $400.00 right off the bat, for some kind of annual account fee . Then every month after that, you would get charged monthly for this fee regardless to the fact if you used the card or not... I had to pay another $95.00, so called activation fee upfront before they would even process the card. Then they tell you that you will get your card in 5-7 business days and the 7th day was stretching it as she said it would be sooner than that. Well... Here we are on day 14 and still no card but however we did manage to get our first bill already. Got my first bill within 4 days of opening the account. I called to ask where my card was only to be told 6 different things and for the agents to keep interrupting me and hanging up on me each time I called. Even had a supervisor hang up on me!!

I tried to call First Premier Bank credit card company to reduced my interest fee down for good payment history. There was no help what so ever, they don't not try to help you at all. They are in business to keep you in debt forever. What happen to customers service its out the window with company. I hope they go out of business soon with this crap! Please, people do not ever apply for this credit card. You will regret it and never be able get out debt with this company at 36% interest rate, and an annual fee no matter if you have a balance or not!!!! Highway robbery. Please don't deal with... (First Premier Bank credit card)... you will be sorry!!! They rip you off!!!

They tell you that you have $225 credit limit and every day the interest go up and you won't be even using the card.

As I have been reading the reviews, I have seen a common thread of disingenuousness on the part of First Premier Bank. I also have had my card for a few years and never had any problems with them being out of line. Recently, I began getting offers for a second credit account. I just cannot fathom how my "excellent credit history" can possibly earn me the favor of paying such an exorbitant interest rate, considering the card I won't have much longer is around 9%.

They charged me 92 dollars in fees for my account going overdrawn by 17 dollars. At the time my fiance was in a accident so we spent a few weeks in the hospital. Then ** was born two months early so that needed up being another two months in the hospital. By the time my life was done falling apart they had charged off the account with 92 dollars in fees and sent it to collections then told me I had to pay them or they would take me to court. I will not pay them 92 is fees.

After my boyfriend signed up for the card, I reviewed the information I found that they had an annual fee and 36.99% APR which is a ridiculous amount of money all together. We were within the 30 cancellation days and the representative told us we couldn't cancel. We tried again much later, but it was past 30 days. So he's used it since and has been making more than minimum payments most months. Now this month we received a collections noticed. So now on top of the previous balance we will be charged an additional 19%. There doesn't seem to be even 30 days to our last payment and the collection notice. Thank god we already cut up the credit card. Just trying to stop other people from using it. There's no reason to get a card with annual fee. Even people with bad credit can get ones without the fees.

I recently received a card from first premier. I wanted to use it as a deposit for a rental car. Realizing this card charges a fee when you open the account, I contacted the bank to determine the best way to pay the fee, so the entire available credit would be ready for use for the deposit. I was told to make a payment using my debit card which there would not be a phone fee, as long as the payment was not for the same day. Well guess what! I followed their instructions, scheduled the debit payment for another day and was charged a fee! This is what you get when you deal with this bank. High fees on everything. And beware! They charge a 25% fee for credit increases. So You Pay $25.00 for each $100.00 increase. In addition to the Annual Fee and after the first year, the monthly service fee which is in addition to the interest of 36%. So now you know. Accept this card at your own risk!!

I've had this credit card for over 1.5 years since I was rebuilding my credit. It started off at 36% APR, then was lowered to 22% over time. When I went to cancel it, the "Card Specialist" told me, "The interest is only 22%, which means over 12 months, it's only 1.9%/month." I literally laughed out loud, and cancelled my card, but the sad thing is this blatant lie actually does work on some people. I had to say something. Don't believe their lies.

My credit card was due today. First Premier will not take my payment unless I paid for expedited services. If I make my payment it will be late so I will be charged late charge. No customer service to help until tomorrow. What a scam. I am not paying a late payment. Period.

I finally was able to pay these crooks off... they nickel and dime you for the stupidest of things. I was young and naive when I applied... was relieved when I found other companies that let me sign on after opening junk cards like this... It's sad in America. You have to have rich parents or lots of spare cash to open secured cards before you can even do anything as an adult. Cards like this should be illegal, I paid all my bills on time yet I still always owed these people money. It kind of became a game... 'Let's see how many charges I can rack up without even using the card and on a $0 balance.' Sadly the only winner in this game was First Premier Bank. Glad it's over. Stay away, don't be stubborn like I was... Take these reviews and digest them, they're real.

Unreal. Truly unbelievable. So, I get a call from this ** who states that I'm $14.00 over my credit limit. Keep in mind First Premier's fees put me over the limit. When I was well under my credit limit. They call me not because I'm over the limit and 30 days in delinquency, but rather within 2 days of being over my limit. Wow..... Just wow. Do yourselves a favor. If you have this card, pay it off and close your accounts. I would not recommend this card to anyone unless it's an enemy!!!!

I have been with First Premier for a few years and my problem had been making payments on line. As most of us are very busy, I only have Sundays to take care of my business. They ALWAYS have problems with their website, it's always down. I try to call customer service, but of course, closed on Sundays. Oh Boy, here come the late fees. OK my fault, so I pay them, but they sent me a cancellation letter. Closed both accounts. WHAT?? I call customer service, and was treated like a child. This woman was yelling at me and told me it’s my responsibility and I need to get my priorities straight. She just kept on and I was so pissed I thought I was going to have a heart attack. I stayed calm and did not go down to her level, I just had to hang up. I was so upset, I have never in my 55 years had someone treat me like this. She should be fired, but she refused to give me her name. JUST STAY AWAY FROM FIRST PREMIER...

I stupidly online followed all the procedures and suddenly had an account. It has only been 3 days so no card or any correspondence and I want to cancel it. There is no phone number on the mailing that I can get through to a live person. I am sending a registered letter to cancel which I understand is legal in all states but I need a phone number to speak with someone also. It seems they make sure you can't speak to anyone as a delaying tactic. I feel so stupid. Anyone have a phone number for these people?

I know I settled my account. I know that because I went out of my way to do so. This was in 2013 and now two years later they popped up on my credit report. And when I spoke to the collection agency they forwarded me to, which a different agency than the one I paid off, they said they just got the account yesterday. These guys have to be stopped. What they are doing is not only illegal, it's morally wrong.

You pay 75 dollars to open an account and get a card, then before you get your card they are billing you another 75 dollars for nothing. You really don't have a credit card what really going on is you pay for 300 dollars then borrow your own money and they charge you for it!! I closed my account as soon as the card came in but they won't return my 75 dollars. Don't get caught up in this scam!!

Good day to you. In concurrence with Stacy's 01/23/2015 review of the "First Premier Bank Credit Card", my experience with them approximately 7 months ago was nearly identical. Payments submitted via draft from my checking account were likewise "rejected for invalid checking account number". Attempts to correct the situation via calls to Customer Service was often met with incompetence, conflicting information per representative, and bad attitudes. The billing cycle, posting cycle, and time cycle for drafting my checking account when the draft actually worked proved convoluted, confusing and more often than not, caused the incurrence of fees. Soon thereafter, First Premier closed my account due to rejected payments. Last week I received another "Pre-Approved" First Premier credit card. The attached letter directed me to "www.60SecondPremier.com" for activation of the card.

Where to begin, this story could be a novel. By far one of the worst, if not the worst, so-called Bank you can possibly deal with for anything!! Had a card with them for over two years, always paid 5 times the minimum. The company I worked for recently closed for good and am now unemployed and awaiting money from unemployment. What savings I had go for the electric, heat, and food.

My bill is due on the 22nd of every month so I pay on the 20th which is considered on time. If you try to post your payment for the next day day it's a fee but at the same time when I make my payment it automatically comes out of my account the same day, but because it's not posting to there account the day I make my payment, they have been charging me a late fee of 30.00 every month on top of a 8.00 a month interest rate. They are not here to help rebuild your credit. They are a total rip off. Never do business with these people!

I have had a credit card with this company for almost two years. Always paid online never an issue ever and then opened up a new card with them for more credit. When I paid on my new card the first few payments were rejected for invalid account number so when I tried to go online to correct it I could not so I called and was told they closed both my accounts due to the rejected payments. The company did not care that it was an honest mistake and it did not matter that I had a card that this never happens on. I talked to 2 managers and a super that refused to help me. I will never recommend this company to anyone.

I asked to close my credit card with First Premier after being with them for over 10 years. I asked them to remove the $7 monthly charge but they refused, I paid everything in full but they still posted a late payment claiming I had to pay the interest even though I have paid the full amount on the card, and I have never received a call or a notice from them, and when I did receive a notice from them I did pay the $9 they were asking for and they still posted a late payment on my credit report. Don't ever use them to build your credit. I recommend that you do that through your bank.

I have had this card for awhile and always paid on time. Tried to keep my balance low and lately they have made their website where I can't monitor my transactions. I had a couple of my accts. on a re-accruing pay using this card first. My phone was shut off for non-payment, then my internet was turned off, and each time First Premier had text me saying that so and so had been paid and my balance was $$. So I assumed these transactions were taken care of, but that was not the case. The final straw was my Sirius not being paid and I also receive a text saying that it was and what my balance was. Then I received a statement in the mail today and now they are charging me an annual fee way before time along with a fee for going over and 2 monthly fees. I really hope they are not holding their breath!! I have contacted my attorney so he can deal with these thieves.

I received the letter in the mail yesterday. You know the one... The one that has that little hard object just under the right thumb when you hold it. You see the return address is a credit card company, and then the eyes graze past the part that reads, "pre-approved!" I opened it, read over it, because hey, I'm trying to fix my credit like the rest of you. I couldn't find any information about the APR, fees, or anything else relevant to my decision-making process.

Never, ever take this offer for this credit card. OK, so my credit was not good so I accepted the 11 dollar a month fee plus the high interest rate. Actually, very high at 35%. After paying on this card for a year with never having had a late payment and always paying more than the monthly payment, they raised the monthly fee to 14.50. Well, that was it and I called to cancel the card but not without an argument from the lady that worked in that department. She actually argued with me for a couple of minutes as to why I should not cancel the card. The card has cost me about 26,00 dollars a month to maintain with the fee and high interest. My limit was 700 dollars. I am just about done paying this card off and will NEVER go back to them. Please, do not take this offer. Try Credit One or Legacy. They will at least give you a fairly decent interest rate and NO monthly fee. I cannot believe this company can get away with this. Oh well, a hard lesson learned and glad to be done with them.

I was suckered into paying the $95 processing fee and when I go to enroll my card it keeps saying my account information is invalid. Also when I call the pre-recording says my card is activated and ready for use. That's complete bull. Whenever I try to use the card I'm rejected.

I paid the 75.00 processing fee and they closed my account. I called and complained they was very rude. I used another credit card and said it will take ten business days to refund my money. Some excuse it was because I waited too long. I didn't have the card but a week and I didn't have the money to pay till after Christmas. Such a joke.

The letter that I received from F. ** of their collection department of First premier bank seemed intentionally misleading on the posted weekend hours of customer service, especially its Sunday hours. If a person owes 1st premier bank card money, then they (the collection department) are able to call a customer anytime on Saturday and Sunday. I think that ** of their collection department has no work ethic and no integrity since **'s letter said their Sunday hours are 10 am ct to 9 pm ct. I can't reach them on Sunday. It cannot be that First Premiere could so easily deceive their customers like that. I would never encourage anyone to do business with this corrupt company.

I will not be having this card long. Too too too many fees and charges. It's ridiculous.

I have had a First Premier Credit Card for almost two years. I go the card after reading the terms knowing it was going to be expensive, but I needed to find a way to rebuild my credit after life circumstances destroyed my credit. It has done exactly what I needed...rebuilt my credit. Pros: It has helped rebuild my credit. Because I am using it as a tool to build my credit, I pay it in full before the due date every month. I pay by debit card over the phone and schedule the payment for the next day, so I don't have to pay the convenience fee for same day payments. And I never have to talk to customer service. The debit card payment is reflected on my account every month by midnight on the day the payment is processed and the credit is available the next morning as long. I can reuse the credit the next day after I pay. After the first year, my monthly fee is $6.25. I never charge the card up to more than my credit limit less the monthly fee of $6.25. I am never charged interest! First Premier has raised my credit limit twice.

CON's: In trying to pay off my balance before Christmas, I decided to check my 1st Premier online statement today, which initially I had to pay extra to have online access. While justifying the charges on my account against the receipts, I noticed that 1st Premier debited my account $25 for what they itemized as a "returned check fee." During my previous phone calls to 1st Premier concerning the delay they imposed on my e-check payment (see review of 12-02-14), I had advised the 1st Premier agent then that instead of waiting up to 20 days for them to apply the check, I would pay the amount of the check with my debit card, and after they applied the debit card funds to my account, I would stop payment on the check.

I've had a credit card with the company for a year. Come to find out, after the first year you start paying a FIFTEEN DOLLAR per month "Servicing Fee". This is on top of a $50/year annual fee and an interest rate in the high 20s. The worst part is, while most companies will work with you on your terms and rates as your credit improves and you stay loyal to them, FPB really couldn't care less. Other companies that I have cards with have raised my limit, lowered my interest rate, and removed my monthly fees. FPB just keeps getting worse, instead of better. With "Age of Credit" being a determining factor on your credit score, I'd certainly recommend that anyone considering this card for a long-term account look elsewhere. There are plenty of better companies and better programs out there.

I was a member for 18 months. Interest Rate incredibly high and monthly and yearly fees are ridiculous, but of course I knew of this before getting the card, so that is ok. My biggest complaint would be their customer service, their automated system is incredibly long winded, to do anything. Their representatives are RUDE and today I did a balance transfer to my new CC with a better APR no monthly or yearly fees. I cancel the card and pay off the 14.50 (balance) I had. They tried to keep me as a card user by providing a $25 credit. I declined, then the agent rudely said "your acct. is closed, bye" and hangs up! They didn't offer to credit the 14.50 or to take the payment , so I had to call back and use their automated system. The other thing that was frustrating is that they CHARGE for having an online acct! Hmmm trying to make it harder for us to keep track of our balance and make payments - that's nice. They also CHARGE for same day payments. I'm glad I don't have to deal with them any further.

For months First Premier Bank has been charging me a service fee on top of interest that I pay. 3 days ago I had $64 dollars, today I have $23, a difference of $41. I pay $75 a year for this card, when I called them today, she told me there is a $14?? service fee, and $8?? interest. This is taken out in the middle of the month. Something needs to be done about this Bank.

I accepted a PreApproved credit card offer online almost a month ago but I haven't received a card, however I received a statement. I contacted customer service about not receiving the card, only the statement with a due date 4 days away. They said, "make the payment," another card has been mailed out. Are they serious? No card but pay anyway?

Initially I was approved for a line of credit by First Premier Bank Credit. No one else was willing to approve me, so I went with Premier. So far I have experienced Zero Problems, and would even say, thank you Premier for giving me a chance. Customer service, online and on phone was free, contrary to what I've read online here.

I stupidly helped my husband obtain this card 2 years ago to build credit. I don't really have any major issues with the card except that the fact that the fees are astronomical. To pay over the phone with a debit card is $12.00, to pay via bank account (which I would never give them my account number) is $7. I think it's insane to charge customers to pay their own bill.

It's the most screwed up bank/credit card I ever had. This card is so bad I don't wanna do any credit cards anymore. Interests are high, monthly bills, late fees with "On time" payments. I warn you, Do not use First Premier Bank.

At Premier Bank, you are punished for being a customer for more than a year. Monthly fees are applied beginning your second year as a customer. In my case, it's $14.50 per month. This was buried in the fine print when I signed up. Do the math: That's $174 a year in "monthly fees" alone, and it is in addition to the high interest rate, as well as the annual fee. I suspect that the "monthly fees" are how this greedy bank can dubiously prey on poor people who are trying to reestablish credit. Furthermore, forget customer service - all they seemingly care about that you pay your bill on time, and can't seem to give you a straight answer or explanation in regard to the bottom line of what you're paying for this awful credit card.

While I have no problem paying a little higher interest trying to re-establish credit and have no problem paying some fees, I draw the line at "enrolling" to access your account online and having to pay an "enrollment" fee. I closed out this account and still have a small balance which I am paying off, but I continue to be charged a monthly fee. I will have this account paid off in two months and will tell them which side of my ** to kiss and good-riddance.

I have been with First Premier for over a year or 2 and have been paying up until I got laid off. I was late a few times but then activated the credit protection I'd initially enrolled in. The paid my card for about 3-4 months then all of a sudden they claimed they weren't receiving my monthly renewal paperwork. I would fax it about 10 times; eventually I started sending it USPS sign required. Later I received a second card offer from 1st Premier which I only accepted to hold me over with my bills until I received a lump sum payment I'm expecting. I accepted the second card offer and on the day I received my card I received a letter from First Premier (the first card account) stating it had been suspended for fraud. The exact letter says “We are unable to verify the credit from totaling $ that posted is valid. A copy of receipt is needed, account has been suspended.” No further info was provided, no amount or charge merchant information. Since I haven't really used the card except for misc things like gas and it gets paid every month because my insurance covers it, I have no idea what the heck is going on.

I have been reading some people's stories. I get it because I would not want this to happen to me. I had the card over 2 years ago. Due to circumstances beyond my control, I was unable to make the payments. This, unfortunately ended up on my credit report ETC, ETC. About a year ago, I was sent an offer in the mail to flip over the amount I owed onto a new card. The limit is about 450.00. I said fine - I have paid it off several times and used it several times. I have really had no problem with them. They do charge an 11.00 fee for the representative to process the card - but so does my car finance company.

They sent me this credit card and said in the letter that I should call and activate. When I called they asked me all the details and in the end they asked for my Social Security Number. I asked why they need my number. And I said that I cannot give my SSN over the phone. So, they agreed and sent me a letter saying that they need a document that has my SSN on it and even sent an envelope with their address in Sioux falls, SD. I approached my local bank and they were surprised to hear it. They saw the letter and agreed that I did a good job in not giving my SSN. Thanks be to God who gave me the presence of mind to withhold my number to strangers on the phone.

I like First Premier except when you make a payment. It takes a billing cycle, it seems, before it's credited to your account. I guess they have to make interest off my money somehow.

Once you start building your credit, everyone wants to send you pre approved credit (be careful). Today 5/7/14, before I read any reviews, I almost applied for this card. So, looking over the mail, while giving the representative my info I noticed that this was the wrong card I wanted to apply for (had gotten 2 pre approve in the mail) so I told him that this was not the bank I wanted to apply for the card, but he kept on insisting that I should get the card (really begging). After telling him no 5 times, he finally said okay have a nice day. Next, I read the reviews on this bank and the other bank, not getting either one. Thanks for your input.

My experience with 1st Premier was not a positive one. I had numerous issues over an extended period of time with them calling me at my former place of employment even after I specifically told them not to call me there. I worked at a state/ local government agency. Personal calls were against policy. I always gave them my personal contact number which they also had on record in their files and they could leave a message at, which I would return when on breaks and lunch. One of the reasons I lost my job was their numerous calls to my employer.

I got card in mail, paid security deposit. They said I couldn't open the account. Haven't received my refund yet. Got a different answer every time I called.

Well, I am a senior lady and a disabled veteran who is going through a very stressful divorce here in Hampton, Virginia. I have just perused other complaints on this disreputable bank, and I sure regret the evening in October 2013 when I applied for a credit card at First Premier. As a 65 -year-old lady who happened to begin my Social Security benefits, I was amazed how so many companies wrote to me in October with marvelous, incredible offers! I hit the fish bait with this company"s offer! Ahem, what an ideal opportunity to pull this big ol" fish in!

I closed my account that I had with them for over 9 years, on February 15, 2014. I was told at that time that I could expect a refund of my deposit in 14 business days from that close date. 4 weeks went by, and I did not receive anything except a billing statement showing my account balance of $0.00, received 2 weeks ago, March 11th, 2014. I then called on March 16th, 2014 to get a status of my refund check, and the representative at that time told me that I should receive a letter in the mail with an update within the week, and shortly after my check should follow. That letter has yet to arrive.

How best to sum up dealings with First Premier Bank. Fees, Fees and more fees. All of this along with poor customer service. This "bank" is the definition of a predatory lender, housed in the bank friendly State of South Dakota. The fees are terrible, up to $223 a year in fees for doing nothing with the card, just having the possibility of having the credit available. Typical charges in the sub-prime market are $99/yr. They also charge $20 for online account access, typically free with most all other companies. Bottom line is, use a loan shark or payday advance if you need money. Dealing with one of these companies is cheaper than working with First Premier Bank.

Spoke this morning to Kat about how long it takes after you pay to reflect in your available credit. She was very helpful and friendly, she said they can hold it for 20 days but the held mine for a week. She advised me to pay with a debit card because my funds would be available immediately. I agree this card has high rates so I pay it off before they can charge interest. This is a high risk credit card. If you had high risk insurance because of a DUI you would pay more. The $11 fee for paying your bill the same day is a penalty meant to teach you to pay your bills early. Bottom line... if you can't pay off $300 a month don't get a credit card.

In as little words as possible should sum it up. First premier bank sent me a credit card and changed the annual fees to where you couldn't pay for it and messed up my credit.

Wow! Where do I possibly start, first off this bank has given the worse experience known to mankind. They have horrible customer service. The people are not nice at all. If you hate your job simply quit. I dare them take their anger out on the customer who are bringing their income. Every experience I ever had with speaking with someone on the phone has not been pleasant. For example speak with a woman recently, her voice very agitated, not helpful at all, not apologetic, and also seemed to be ready to get off the phone.

I have several credit and store cards. I usually pay them all well before the due date however, there have been a few times I could not pay until the actual due date. I called the automated system to make my payment (due today) and after entering all the payment information, I was advised through the auto system I would need to speak to a representative for expedited service of which I will be charged $11. The representative was kind enough but when I questioned the charge she simply advised it is stated in the paperwork that I first received when I got the card. Needless to say, once I am making every effort to pay this card off so that I can cut it up. This is a policy that none of my other cards has so I caution you, BEWARE!

I've very sorry to hear that so many people are having problems with this card but really... this is how subprime credit cards work. Many of you are bemoaning having to pay a bunch of fees up front but you are told all of that in the disclosures that you ignore. Okay... so they are holding your payment to ensure that it clears. Yeah... that's what bad-credit credit cards do. Half the stuff that I am reading is just the nature of this kind of business. Sadly, when you are in the subprime category, this is pretty much what you can expect. I current have one of their cards and I will probably close it. I worked very hard on my credit and now my FICO is in the low 700s. From both sides of the argument, it's business. They squeezed every bit of fees they could out of me and I used them to improve my score. We are even.

I'm over my credit limit and making monthly payments on my account. My card wasn't renewed because I'm over my limit. Very unfair. Some way to help rebuild my credit.

After reading all the complaints about this company, I am going to stick with them. I just recently received the pre-approval in the mail and accepted it. They are only taking out 49.97 fee so my initial credit will be 650.03. I am completely fine with this. Why? I pissed away my credit chances when I was younger. I was young and dumb. Did not have a real job. Looked at a credit card as a joke. Spend all their money and not pay them anything. All it did was lead to the hardships I faced until recently.

I cannot understand how a credit card company can charge you $14.95 for "Monthly Service Fee". I have called to have this eliminated or reduced. This is on top of their $79.95 annual fee as well. So you are paying almost $260.00 in just maintenance fees to keep the card open! They are not also friendly at all. DO NOT GET THIS CARD AT ALL ITS A RIP OFF!! Even if you are repairing your credit Capital One is great!

I tried to make payment over the phone, the automated system is not recognizing the credit card number....So tried to call First Premier to make the payment, they said the charge to make the payment is $11.00. I advise the Rep that the automated system is not work correctly. Then she stated try to do it on line. I tried to make an online payment and the online payment is not compatible with Internet Explorer. Wow and they still said, "Well its $ 11.00 fee for us to take the payment...."

A rental car company charged my credit card $600 which was not authorized by me. I was unaware of the charge and was never notified by First Premier Bank that my card was over the limit. I made a payment for the $600 and the payment posted to my credit card then a few days later I received a letter stating that my credit card had been suspended for 20 days.. I contacted First Premier Bank and spoke to representative who was very rude and would not answer my questions. I was so upset I disconnected the call. I later received a letter stating that my request for reinstatement was denied. I feel that no one took the time to review my account to resolve this issue. It is unfair to the cardholders to be penalized for doing the right thing. This a criminal credit card company that needs to be dealt with regarding their fraudulent actions.

So for Christmas, me and the family went to Disney World. My wife paid a few items with our Premier card which came to 225.05 but what Disney world does is not charge your card till you show for the event. So my wife thinking ahead pays the 225.05 to zero our account so it will have no balance. So we show for the event and we are brought a receipt and I pay the 225.05 for the cost of the event on a diff card not thinking about oh we paid that earlier in the month. What do you do when someone brings you a bill? Yah, you pay it. So then we get home and my wife starts freaking out about our account being overdrawn 225.05. So we call Premier and they say that our card is in the fraud department for suspicious activity.

I found myself in a position where I needed to rebuild my credit. I know that it is my fault, and I am not making excuses. However, First Premier Bank specifically targets people that are in unfortunate positions, and tries to profit from misfortune. I applied for a First Premier credit card, and was accepted. I read some of the basic conditions; such as APR, late fees, annual fees, etc., and decided to take the card anyways. After paying the $175, non refundable, fee to get the card, I used it as I would any other card. I made sure I paid it off, and used it sparingly, due to the outrageously high interest rates. After about six months, I wanted a credit increase. I called customer service, and they told me that I would be charged a percentage (I forger what percent, but it was high) of the increase. I declined.

I've had my premier card for almost 1 yr and had never really had a complaint until recently I originally connected my bank account to make online payments but never really used it. I always made the payment with my debit card but I decided for the first time to use the online process and it looked as if everything was fine when I checked online but apparently it wasn't and it cost me 645.00. I was upset but I paid it with no problem. Now that was about 6 mos. ago so I continued with my debit card payments until last month in Nov I had to use the online portal because I was working at the time and did not wanna be charged a late fee. Ironically this payment didn't go through either but I didn't find out until 4 days later and immediately called and made the payment 2 days later.

Due to my losing my job late last year and my husband taking a huge cut in hours on his second job, we were forced to file Chapter 13 bankruptcy earlier this year, and included First Premier in our bankruptcy. Apparently, they don't think that the law applies to them regarding Automatic Stay of collection activity, because I received a letter from "Rushmore Service Center", which, lo and behold, has the exact same physical address as First Premier. When I called "Rushmore", they stated that First Premier contracted them to collect this debt and that they were unaware of the bankruptcy (which is untrue, as they were noticed in the Creditors Matrix) and denied that they were otherwise associated with First Premier. After a minor amount of research, I linked both addresses together and forwarded the information to our BK attorney, who will immediately draft a Motion for Sanctions for this unlawful attempt to circumvent Bankruptcy Code.

I didn't read as well as I should have and didn't notice the $175 annual fee just to have the card. I called to cancel the card and I found out was talking to a Pakistani. Cesar didn't care about what I was saying. He said, "It is your credit. I'm happy." Which I knew what to do, return the card or pay it off to keep my credit.

I had an available credit and when I tried purchasing gas, my card was denied. I did not receive any notices or anything, so was very shocked! I did not have cash on me, but luckily someone with me did. The gas was already pumped, so I am not sure what would have happened if she would not have been with me and had the money. I checked online again, and my account still showed an available credit. I couldn't figure it out, so I called customer service. I spoke to a Kelly (who was not very polite or helpful at all regarding the situation), and she informed me that my account was suspended.

I cancelled my credit cards with them after having them for 4 years! The worst card, low limits, highest interest there is, monthly fees, and high annual fees. Not sure why I opened these cards with them. I get it helps people with rebuilding credit, but I would suggest a secured credit card over this hands down. I have Excellent Credit; I opened this by mistake when I opened up several credit cards. I was just charge an annual fee when I canceled the cards, what a joke.

To all that complain about this company, get off your self entitled soap boxes. This is a repair-credit style credit card. You don't like it? HAVE BETTER CREDIT GENIUSES. First off, of course they're going to require a deposit and some fees. Much the same as a secured card, but less actually. I have had these guys since I was 18 and I have never had an issue with them. They will work with you and report your progress monthly to assure you that you are building credit. They've even waived fees when I in college and forgetful about my payments. I would recommend them to anyone. They give you a shot and help you build credit.

These people are a plain oh rip off company. Do not trust them at all. Keep your money and go to a major banking company to apply for a credit card. Good credit or no credit they will help you better than these idiots. Everyone that answers there are plain oh dumb and have no knowledge of what they’re talking about. Also they charge you an arm and a leg. So please if you read this take to the head and DO NOT get a First Premier rip off card. Please don't. Thank you...

I have 2 First Premier cards. I have always made my payments on time but this month I sent the wrong amount to the wrong card. I talked to the representative to pay the difference but I got charged a 25 late fee for a card that had not cycled yet for the month. I paid the difference but they took my money. This was very unfair.

I applied for a card from Premier. I was given a credit limit of $300.00. I was told I have to deposit $95.00 or else I would lose the credit card. That was not all. I also have to pay $75 dollars a year fees that add up to $170 for $300 line of credit. I saw fraud and dishonesty right away. I refused to continue and I signed off. A day later I was called thanking me for applying for their card. I told the caller I DID not finish the application and don't need the card. What concerns me is they have my information and who knows what they will do with it. God help me.

They ripped off $200.00 from one of my other accounts. I have not even ever heard of this bank before today. So yeah, I am very, very angry... I want my $200.00 back now. You don't have any right to it at all... What right do they have stealing from people they don't know??? Give us our money back...

Yes, I knew the cost of less than stellar credit. I was tired of screwing around trying to rent a card with my bank debit card so I decided to take a flyer on this. After all, my credit score isn't that great because of lay offs and I went into it knowing the fees were exorbitant. I paid the bills right away. $95 for the privilege of activating the card. $75.00 annual fee. My total balance.

I went to the Hotel Sheridan 2 weeks ago on 9/21. My friend reserved the room but forgot her credit card, so I used my own since we would be paying in cash. On 10/3, I had noticed that there was an issue with my credit card so I called Premier Bank to see what the problem was. I only used my card to authorize the room. 13 days later, there is still a hold. I called the hotel and was informed that the problem was with the bank...in which I called the bank only to hear that the hotel needed to call them. After 3 to 4 calls back and forth between the two of these idiots, my patience began to leave. Finally talking to the hotel accountant, it became obvious that the bank was at fault.

Oh boy, I am so upset at myself for even paying their ridiculous $95 processing fee today! I had a feeling this bank was up to no good with all the darn fees they apply. Okay, so $75 annual fee the 1st year plus $6.25 each month (just to have the card) which adds up to $75. The 2nd year, your annual fee decreases to $45 but you will still be paying $75 because of the $6.25 monthly fee that adds up. What kind of bank is this? Helping me... really?? I am so mad at myself right now for doing this but I really thought this would help me. Wow, I cannot wait to get this paid off and out of my life.

I have had this card since 2009, and I regret wasting my time and money. I opened the card to improve my credit. When my card arrived, it was for a $250 limit, and showed up with a balance of $90 already on it! I then made a small purchase which put my balance over $125 (over half the credit limit) and they instantly reported it to all three credit bureaus! I quickly paid off the balance and kept it at zero for over an extended period of time, which they did not report!

I have had the Premier Credit Card for near 2 years with an $800 limit. I have never been late on a payment, and received a call from a guy stating that I was over limit by about $40 which was not from charges, but from their crazy fees. I told the representative that I always pay on time and on the 6th of Sept 2013, I paid $200 which was 3 weeks before the payment was even due and put the account with a $650 balance. Tonight, the 10th of Sept, I see that they took the payment and closed the credit line. I am guessing it is because it went over limit due to their fee hungry system. Never late, fee to death, avoid opening an account with this company if you can. Use Merrick bank, Capital One, or Credit One if you are looking to build credit. This organization charges near 39 percent for their line of credit holding you hostage building your credit. AVOID. WALK AWAY.

I paid my account on time and was approve for a Visa platinum card with a $700.00 limit and I made sure that I paid on time each month so when my year was up I could apply for a credit line increase. Yeah right. All I got was "you have not had your card for long". Not only that but it had an annual fee when I got the card $75.00 and they took that off the top of the available credit. So after the year pass and I was turned down for a credit increase I called customer service to cancel the card. They told me "why would you want to cancel the card?" Not only that but I am not going to pay a fee every month to have the card. Then instead of them trying to close the account down they offer me another card with a different credit limit of $400.00 with an annual fee of $100.00 so you can double your credit score. I asked her "why would you offer me another credit card with a different amount instead of you guys increasing my credit line?" She never responded. That does not even sound right. "How is that being beneficial to me?" I ask. Someone needs to look into this. Actually it is a little scary.

They are so rude! I have so many credit cards and they all work with me! I have just to find out they charge you a fee every month to have the credit card and if you are over the limit then you owe more! I spoke to a rep today and said I pay every month but I'm struggling. You think she said sorry to hear that??? No! Super rude! Then I said I have 7 credit cards that do not charge me a fee every month. You know what her response was? "I have credit cards and they charge me fees. That's not true." What kind of customer service is this?

I went to pay my credit card bill on the due date with my debit card. I was told that there was an $11.00 fee to expedite my payment. I feel that this is an unfair charge that was not included in the terms and agreements. Since when do you have to pay a fee when you pay on time? When I paid with a check a week ahead of time, they held my payment for twenty days to clear the bank. What options are left? I do not recommend any body take advantage of this service. The banks were bailed out and are now taking advantage of the people they preyed on. We now have to build our credit back using these so called Banks that prey on us to charge people that pay on time.

I applied for a First Premier Bank credit card, and after reading the horror stories, decided to cancel the card. I received a bill for 106 dollars for the annual fee and card for my husband. Got called to have a new card sent and second card cancelled. I'm scared now. The "Rep" I spoke with was very friendly and accommodating. She stated that I didn't have to pay the 29 dollars for the second card since I never used it and was receiving a new card.

Unfortunately, like many of its users, I thought I needed the credit card to try to build credit history. Boy was that a mistake. Now I am stuck paying their stupid $7 monthly fee and $45 annual fee until I buy a house next year, because I don't want to ding my credit by closing the account (although the responsible thing to do would be to end the relationship with them). But once I do purchase my home, they are gone and out of my life forever and I will never stop advising people against them.

I have been with Premier for now 4 years. It has done me no good. My credit limit is low and has not changed even though I pay monthly on time. I get charged 7$ every month and a yearly charge of 40$. I would not recommend this to anyone. When I call to cancel, they try everything to keep me with the company, but recently I finally said no. The people are rude when you call and the interest rates are high. Not to mention the amount of time it takes for them to post a payment. It does not take any time to come out of the bank, but it takes forever for them to realize a payment was already made on time. This is a nutshell and I could go on.

The customer service stinks with this company. The reps are always rude every time I call to ask a simple question. I have been with this company for almost 4 years. The interest rate is very high and the credit limit has never went up. I feel like I'm paying for a card every month that I rarely use because most of the damn payments go towards the interest rate & finance charge. Once I start making enough money, I am going to pay the account in full, close the account, & go with a better company.

I have made numerous payments to them and they never show it on my statement, or they say I didn't make the minimum payment when I have. They also changed the amount due and say there is a late fee every time, and I pay it early. So far, to date, they have not acknowledged the $600 that I have paid. I have called them numerous times and have not received any help on this matter. Meanwhile, they just keep adding more fees and interest. They call our house at all hours and on holidays every hour on the hour. It is, honestly, harassment. They also are very threatening to me when they do call. I honestly do not know what to do. I am a nineteen year old college student and I used this card for school.

This bank has became rich by giving consumers who want a major credit the worst interest rate and fees in the world. I’ve had this card for 10 years with the same $300 limit. Paying the monthly $7 plus finance and yearly membership. The best thing you did for me was close my account... I have officially paid it off. They are quick to report 31 days or late and over limit on your credit report, but slow to increase your credit. Don't be fooled, you will never be done once you get the card. I missed one EFT and closed both accounts. Thanks for nothing, First Premier. I believe this bank is subsidiary of Chase...

This company has ridiculously high fees. Even though the credit limit is 300 dollars at the start, you will not get that because they take more fees off the top of it. That's even after you pay the enrollment fee. Then, when you pay your bill, it takes them forever to credit your account, thus a penalty will be added. Even if your account is closed and you are not using the card, they keep adding the penalty so the bill just goes up and you never get it paid off. It is a total scam. It will not help you build credit.

On several occasions, I have made 2 payments in 1 month only to be told 3 months later that it has to be by a certain payment date. Now, I have sent in a check from a financial institution in which I took out a consolidation loan and was paying 1/2 the card balance only to be told it would take 20 days to post... Seriously!!! There is no way that a check takes 20 days to post especially when it's a bank that wrote the check... Horrible customer service and late fees and overlimit fees because of the late fees because you made a double payment before the statement was sent... This really should not be allowed. This is why people cannot get out of debt. Capital One is a much better company.

For convenience, I chose to enroll my monthly payments online, using the bank instruction and e-mail, www.mypremiercreditcard.com. I was told of only one payment of enrollment fee, the amount of $4.95. What the bank "forgot" to disclose is the company servicing the bank payments of customers is a third party servicing company who is charging a fee of $4.99 for each payment. I tried to clear this inconvenience but it's impossible. The credit card company, First Premier Bank, is sending me to the bank and the bank is sending me back to the cardholder company, both of them claiming they did not charge this fee. I can't find out who is charging me and with whose approval. I think some of them commit a FRAUD. Please help me to end this inconvenience and find the truth.