Premier Bankcard Reviews

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.

I signed up, gave them my money and was to get an immediate response. Now, 3 weeks later and nothing. No card no response... Total scam advertising...

My mother is authorized on my account, so normally, she will make payments as soon as I give her the cash money and pay with her bank account. Well, this has happened 3 times and we are tired of it. They received the same bank information for the past 3 years, and have been receiving payments from the same account, and now it's an issue. When all documents are submitted to them and verified, they act as if the money is coming from their account.

This company is a scam. They will not allow you to cancel your account with them no matter how many times you ask. Then they send you a bill with a monthly fee of $14.50. Even when you pay that on time to prevent hurting your credit, they also add a hidden fee of $30 to your account that doesn't reflect on your bill; and they send it to collections to wreck your credit! Please don't trust this company. They will try to ruin your credit over a few dollars and allow you to do nothing about it to help yourself.

I opened this account more as an emergency backup. My sister was moving and I wanted her to have a CC in her name (she has bad credit) so I got this offer in the mail for $700 initial line of credit. My credit is fair but I did not want to add her as another cardholder on my regular CC. I knew the initial fee was $175 plus another $29 for her card. I got the card, signed up online to pay my bill, and these crooks charge you a $4.95 fee to sign up for their online monitoring of your own account with them! I paid it for the convenience and paid the bill in full. That was over a week ago and nothing has been credited to my account although they took the money from my bank account that same day.

Scam alert. Not a real credit card. Never ever ever get a credit card from this company. If you were denied, thank your lucky stars. You start with a 175 dollar balance on a 300 dollar card. It’s 36% interest. I made two payments - one for 95 dollars, the other for 65 dollars. It’s been 3 weeks and nothing has been credited to my account. They offer no email address for customer service, and when you call in, the person who answers just lies to you to get you off the phone. I have been lied to over and over by this complete scam of a company. This company should be shut down and the owners prosecuted for fraud and theft. This is not a real credit card. This is a scam!!!

My application was denied for the second time. First time, they told me I have some alert in my credit report and I need to remove the alert and reapply. I updated the credit report agencies and reapplied with them. I was promised they will approve my credit card with them, but I just wasted all this time for nothing as they declined me for $300 credit card. Funny!

When I applied for this credit card, I was getting calls every other day to pay a $95 deposit to get a $300 credit limit. Once I got the card, the credit limit was less than 300 then I make my first payment of $100 charging me an $11 fee to do so. Then without my knowledge, my account is suspended and I paid way before the due date. And instead of my account balance being $200, there was an additional $15 added to my account. When I signed up for online payment, they charged me $4.95 fee to do so, and I found out after I signed up for online payment when I was sent an e-mail. They did not disclose this information when I created an online account.

I just got a call - the caller ID information on my phone said “The Warwick Hotel” with a Seattle (local) area code and phone number. I curiously answered the phone and it was an idiot rep from First Premier Bank (I had an account with them several years ago and have not used the account since 2007). I recently purchased a new car and saw on my credit report they reported the account is still open with a balance due of over $1,000. I asked the rep why the caller ID on my phone said Warwick Hotel in Seattle. He said "I don't know. Is this __ (my name)?" I asked who he was and after asking him to repeat his name and company three times because he was talking too fast for me to understand, I told him to hang up and try this call again.

As has happened to a lot of people in the past few years, I lost my job and came on some hardships including several weeks in the hospital and moving to a different state to find work. All during this time, I have tried to maintain some credit. I have several small credit cards that I make payments on and almost always make them on time and, generally, the companies will work with me, except for First Premier. They seem to do everything in their power to screw you up an add more charges. My system has been when I get a statement for a credit card, I will go online and schedule a payment. First Premier has locked me out of my computer access to make payments because my bank returned one check for being 40 cents overdrawn. I have paid all their extra fees, at least $35. I have called and spoken to customer representatives to no avail; I am locked out. So now, for this one account, I have to acquire and send them checks. Do not use this bank. They are a bunch of swindlers. Stay away.

I had opened my mail yesterday and found out one of my cards with First Premier was charged off! Naturally, they send you mail on a weekend when business hours are not in effect, and now on top of waiting for Monday morning to roll around, I have to deal with the fact I will have to pay this off (and request the charge off be removed from my credit report). Hopefully, they will remove the charge off. I have a second card with this dummy organization, and when the balance is zero on this account, I will be canceling. First Premier Bank, let me be clear: consumers have a lot of power. Do not think you are above the law. When you push enough people around, we push back a lot harder. I am trying to buy a house this year, and these tools are not making it easier. I have been working hard to improve my credit score, and this is a significant setback. Just wait, First Premier. You'll be knocked out of business one day.

First Premier Bank Credit Card is the worst bank I have ever dealt with in my life. We filed bankruptcy in 2009 and it was suggested to us that we get a credit card so we can begin to reestablish our credit. We applied for a card and agreed to pay 23.9% interest (it didn't matter because we were going to pay off the balance each month). In January 2013, we received a statement and noticed a charge for $14.50 (fee). After close examination, I noticed that it was an annual fee. I looked at all the previous charges and we had been paying $14.50 a month (in addition to the 23.90% interest they charge) since 2009.

I can't believe that nobody has noticed that First Premier does not give you all the credit they say you have. If you have $5 left as an available balance and you spend $0.50 for something, your available balance becomes $4. Apparently, they take the extra change in all transactions from you. This has to be against some kind of law.

My account was suspended because I tried to make a payment too soon! Yes, too soon. They charge fees for everything imaginable - $11 to pay over the phone before your due date, $4.95 to register your account online, $95 to open the account, $75 annual fee, etc. and I keep finding out about more and more fees the longer that I deal with them. None of the customer service reps seem to really actually know what they are doing or have the ability to give you an accurate answer. I will be paying this card off as soon as possible and canceling it.

First Premier credit card - When I got my card, I then realized that this company has outlandish fees. I have been trying to cancel for days and can't make no headway. I had the card for 2 days, then got a bill for $175.00 with $30.00 payment due right away. Does anyone know what I can do?

My original due date was on the 16th of each month. On October 25, 2012, I called in to make a payment and explained to the rep I was late because I was no longer working and wanted to know if I could change my due date to the 26th of every month. She told me yes and also offered me a one time credit of the late fee I was charged. She then told me that if I made the payment over the phone with her, she would waive the payment fee. I told her, "No, thank you," and that I would just make the payment online. She assured me she could take the payment over the phone and would not charge me.

False reporting - Was your card opened on 07/31/2007? That's the exact same day they signed the lawsuit they lost to NY. They showed they "transferred" from one account that doesn't exist and then stated my account was opened on the same day they lost millions to New York. Check your dates people. Another lawsuit will be in the works.

When the economy took a nosedive, my credit suffered greatly. So, I got two secured cards to rebuild it - although I earn enough. I previously did not have credit cards and used my Bank card which I used extensively, but its use does not help my credit score. I chose to build credit with First Premier Bank card and a Capital One card. First premier is the worst! They take nearly all your security deposit, charge added fees, and make it nearly impossible to cancel with their manipulative tactics!

I missed a payment by mistake and was going to pay online, and realize that the minimum payment was $106 instead of the usual $15-$25. I received a call from an unknown number, answered and it was an employee calling in regards to the missed payment. She stated that my payment was due and wanted me to pay the minimum of $106! I was surprised to see all the fees, the late fee, annual fee; I thought this annual fee was the first and only fee to be taken out when I first received the card which actually came out of the credit limit of $700. I hadn't even used the card, yet and was already owing around $49, plus interest fees, maintenance fees OF $15, late fees of $35, and over the limit fees.

This company is nothing but a bunch of parasites. They prey on people trying to rebuild their credit. They send you a card with a $400 credit limit and it comes with $100 worth of "administration charges." That's 1/4 debt right off the bat. Then on top of this, you get a monthly "maintenance fee" and a yearly "membership fee". Then if you want a credit increase after that, they charge 1/4 of the increase as a fee. Avoid these creeps at all costs, instead go to a credit union, join and apply for a card there. You will find no bank card that will give you a better rate.

This card charges for everything - from paying in advance to never ending start up. I wouldn't recommend this card to my worst enemy! Capital One sent me a free notice to apply a picture to my card as personal security. I decided to look at Premier’s offer: $20.00 more on top of charging me for an online account. What a scam.

First Premier Credit Card - I, like many others whose credit is "less than perfect" during these trying times, was duped into signing up for this card under the false impression that it was a step toward re-building my credit. Although I had my apprehensions, I decided that maybe I could in fact take a step in the right direction where my credit was concerned. After all, who else was going to approve me?

I lost my card when moving a few times over a few years. I told them I recovered them. Then purse was stolen. I canceled the card. 3 days later, the wallet was found. Then someone broke into my house, stole the wallet, and used the card. That only happened once, and one month before, they gave me a credit increase and charged $25.00. Then a month later, I decided to cancel due to it being lost or stolen too many times.

I had bad credit. I was happy to pay the annual fee and get the First Premier Bank credit card, even with the 33% interest. After 2 years of perfect payment history, I noticed a $14.95 "maintenance fee" occurring monthly. When I called, I was informed that after 2 years the fee kicks in (along with the annual fee). Why? "To offset the risk," I was told. This may be the stupidest excuse I have ever heard for a ninja fee. The risk was when I received the card, not after 2 years of perfect payment history. Way to reward your customers, First Premier Bank! I have cancelled the card. Unfortunately, they have me for a $700.00 balance, so I will probably have to pay that scumbag fee at least 2 more times.

First Premier sold me a credit card for $175 with a $700 limit. The $175 was to go onto the card. Then, they immediately started sending me bills. They never sent me a credit card, only bills. It took 3 months of bills before I could get a live person on the phone, in which I told them I have no intentions of paying for something I never received. The representative said they would do a "do over" erase any bad credit reported, and send the card. He charged me $30 to apply toward the $175.

We have been getting monthly debits for a card we did not take out. We are unable to contact the credit card customer service, because we do not have a credit card number. This company is totally fraudulent.

I am have been receiving continued calls for a Reggie on my voice mail. It said that if he doesn't call, they can't help him catch up and they will take further action. It is totally irresponsible for anyone to leave that kind of information on someone's phone that they are not sure is their client. What a poor quality group Premier Bankcard is. They should be shut down for leaving that type of derogatory information on an answering machine.

I applied for the card over the phone - didn't read the information. The card came and when I read it, there was a $59 fee plus $30 a month (for a $700 credit limit). I called them and immediately cancelled. I never used the card and ripped it up on sight. Today, I got a bill. If this appears on my credit report, I think that action should be taken against Premier as they are scamming consumers.