Premier Bankcard Reviews

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.

This is a company with zero morals and scruples. They're horrible and greedy. It's probably the worst credit card out there! Their website is "user-unfriendly," to say the least. And they keep modifying it to keep it that way! These schmucks charge $15+/month for no reason, don't let you know when the card is due until it is overdue by one day, then hit you with a hefty late charge ($30-50). When I told them to cancel my account, the guy tried to tell me how this would hurt my credit rating. So add "liars" to the above adjectives. Stay away from First Premier Bank cards. (Probably, the bank is not so nice, either. I don't know.)

First Premier Credit Card - On July 18th, I missed my payment. I started receiving calls right away, asking me when I will make my payment. I said that my next due date is on August 18th and I was charged a late fee. So, I told them to make a note in the computer. I still receive those stupid phone calls by automated system and no one speaks after I hold it for 45 seconds. This is the worst credit card I ever had. If anyone wants to fix credit history, go to "Capital One". At least they have a good customer service, or "HSBC". Or actually, they merged now; it will be Capital One.

I had a card with this company for almost three years to re-establish my credit and managed to only have a $300 credit limit the entire time. I was laid off in January of this year but still managed to pay my minimum balance each month. In June, I was unable to make my minimum payment and decided to utilize the account protection plan I have paid for over the last three years. After applying, I was denied because of the length of time on my job. This was not explained when I was being swindled into accepting upon my getting the card. It really shouldn't have mattered anyway because I have never missed a payment prior, nor been late. Upon my calling and trying to get a late fee removed, I was told no and asked when can you get this account cleared up. Did she not understand the buzz words "laid off" and "no extra money?"

Premier Bank called me on my job about a late payment. I told them to call me at home because I cannot receive personal calls on my job. The woman was extremely ugly and told me I would have to write them a letter. So, I did. I sent it certified with a return receipt. They signed the receipt on 7/13/12 and have called my job every day since then. I would advise anyone interested in opening an account with this bank to research first.

I am very angry with this credit card company. In May, the representative for the First Premiere Bank called on a private number and harassed me for payment, which was not due until the 8th of each month. On July 6, 2012, I made my payment. On July 9th, I went to the hospital because of my illness, Sickle Cell, in which I was hospitalized until today, July 17, 2012. On Tuesday, July 10th, I received a phone call from a representative of First Premiere Bank stating that I need to pay because of late payment. I told the representative that I already made the pay on July 6, 2012 and I am in the hospital and I will take care of it when I get out. On Friday, July 13, 2012, the representative of First Premiere Bank called me regarding of the late payment. On July 17, 2012, I received a phone call from a First Premiere Bank representative. I would like to file a lawsuit against First Premiere Bank.

I went to a restaurant with friends. Knowing I had no balance except $6.50, I chose to use my First Premier card. It was very embarrassing when the waiter came back and advised the card would not be accepted. This has happened several times. Please get this situation corrected so we won't be put in this type of situation again. If it cannot be corrected, let me know and I will cancel the card.

I am so sorry I went with these guys. I have the standard complaints with First Premier, but want to add this warning. This is your money, you deposit it with them so that you can use it, but they have this nasty little habit of holding onto your money and not letting you use it. I made and always make my payment on time and online, electronic transfers. I did this again this month, paying off almost the entire balance. But when I went online, they showed me having only a $4 available credit. I called them, only to be told that they can hold these deposits for a period of 20 days before crediting them to your available amount! That's 20 days of them gaining interest on your money? Find another alternative to these crooks and find it fast.

I have had a credit card for a few years now... never missed a payment, always on time. When I signed on to look at my account, which I do often to make sure everything is accurate, a screen popped up to let me know that because of my good standing that I could receive another card. Well, I thought why do that and pay all the fees, why not just increase my credit limit? I went in and requested a credit increase. Well, they did and they are going to charge me $50.00 to do that. There was no way of stopping it. I will close my account first thing Monday morning. There is no way that I am going to pay them $50 to do what they should have done themselves for a customer in good standing. Capital One does not charge, why should they? They have lost a good customer in me.

First Premier Bank credit cards may be easy to obtain but they have very high fees and interest rates. Their customer service is almost non-existent. I have received a statement via US Mail in over 2 months and they keep trying to charge me late fees. I must go to their website on the first of each month to track my statement and make a payment to avoid late fees. They tell me to check with my postmaster as to why paper statements are not being received but I receive all my other bills and statements just fine. I will cancel this card as soon as the balance is paid!

I ordered a television for my 7 year old daughter from Walmart.com. I returned the television to a Walmart store because the piece to hold the TV up didn't fit properly. The Walmart clerk informed me that the reimbursement would be on the card in two days. I called Premier 4 days later and was told my card had been suspended. I asked why, the ridiculous reason I was given was "You bought something from Walmart.com and you returned it to a Walmart store." What? "We sent a letter; we need the receipt from Walmart". Are you serious? I was in disbelief, it’s still Walmart. We went back and forth. After all of this pure nonsense and me getting a migraine, I told them to cancel the card, my account. Sign up for our emails.

Many years ago, I was desperate to "rebuild" my credit due to a divorce. I got my Premier credit card to start me back to a better rating. Working 12-hour days, I unfortunately didn't pay attention to fine print on the application. I believe the fees came to well over $200 just to have this "wonderful" card. A $300 limit. I found out that my son, years later, also applied and received one. Same huge fees. I came across an article in AARP about people suing these banks for deceptive practices. Same with CompuCredit cards. 86,000 card holders, $257 fees and $300 limit. I ended up having it on my credit report because I refused to pay the fees. Statue of limitations on me now. I encourage the rest of you to check into a lawsuit. Greenwood vs. CompuCreditCorp.

An unauthorized transaction of $550 on 3/21/2012, was placed on my card through a hotel that I did not book any stay with. That very same day I was attempting to make a purchase and that is how I discovered I no longer had an available balance. I logged online to see my account. I called the CC and they treated me as if I made the purchase and was lying. However, they would not give me the complete information on this pending authorization of $550. Just the name and city/state only. They told me they have nothing else, no authorization tracking #, etc. I had requested to speak to a manager, they would not transfer me through.

My husband, has a credit card with First Premier Bank and every time we go to cancel it, the company charges him with an absurd amount of money. We got behind at one point in time at which I had made an agreement with a lady, who told me if I paid a certain amount she would deduct the rest of the charges. I fulfilled my part of the agreement, but was sent yet another bill saying I owed money. I decided to just pay it and cancel. So, we did and wrote in, stating we would like to cancel the card, but then, when we called in, they said our payment came in late. I sent in another bill along with that one to a different company who received the payment on time. When we called to cancel, everyone we spoke to was rude up until the point that they try to keep us, which is when they can all of a sudden, take the ridiculous late fee off, and the charge of the card that we have called about back in December stating it was lost and that we do not want another one.

When I received my card from FP, it stated that I had a $75 charge that would be deducted from my initial $300 credit line and gave me options on how to pay. They were pushing for pay by phone to receive "immediate" credit. This was mid-February and I didn't need to use the card until March 9, so I decided to set up an auto-payment from my checking on 2/21/12 (FP written notice indicated this would take up to 6 business days to credit to my account, but I had much more than 6 business days so I saw no urgency). On March 5, I phoned to find out why my $75 credit had not posted. I even had Bank of America on the conference call offering to fax proof of payment to FP. The FP representative was very rude, would not accept the BOA representative's offer, only indicating it would take 3 business days to 'investigate'. In the mean time, I have paid a total of $70 more in order to use the card for the security deposit that I opened this account for.

I called to ask why I was being charged for a card that had a zero balance and ended up cancelling the card because the guy was such an **. He ended up cancelling the card but told me I was dumb and to think of it as working on my perfectly fine and good credit score or being able to get a better card. As it is, I have a much better card, limit, and no service charge every month. Thanks to not being with First Premier Bank! Absolutely rude service and belittling—plus, the guy hung up on me!

I applied for a First Premier Bank card and received it and used it with no problems until I purchased some music CDs on Google website. My information was stolen and I was alerted by FP of the incident. I asked that they cancel and re-issue me a new card. For 12 or more months, they refused and put a bad cancelled credit card report on my credit report. We settled by them issuing me a second chance credit card.

I went online and got my account payoff. I mailed them a money order for that same amount that they had told me. I soon got a statement in the mail from them stating that I had overpaid by $54.00 and that I had a check coming for that same amount. The check never came. Next thing I know here’s this letter in the mail box stating that I now owe them $76.00 and some change for late fees and other ** fees. Now I’ll have to pay them or they will put a bad mark on my credit.

I signed up for a First Premier Forward card with this company. But after reading the terms and conditions more closely, I decided that this card was just not worth it. Too many fees! I quickly began trying to get in contact with them but it is impossible! They tell you to call during normal business hours which they claim are 7 AM to 9 PM, yet when I called during business hours I was told by an automated message that they are closed! Do not get this card! This is a horrible bank!

My first bill was due on Sunday.

First Premier Bank behaved unethically with me. I received the card, used it a minimum number of times over a month for approximately $200. My first bill was due on November 6 Sunday. On November 4 Friday, two days before my bill was due, I called First Premier Bank to pay my balance. No option to talk to a live person. I could only get a recording that said my payment would not be processed until November 7 Monday, the day after it was due at 49% interest, $100 dollars in late fees.

Not only does First Premier Bank prey on those with less than good credit, but it makes the situation worse by charging ridiculous fees. The initial credit limit is so low and on top of what is a low initial limit, they charged me $130 in fees, reducing the available amount. They charge you $4.50 to access your own account online, then to increase your credit after a few months of good payments, they charge you for increase as well. This is direct from their website. "Credit Limit Increase Fee" in the amount of 25% of the approved increase amount. Someone needs to take action against the company.

I got a letter in the mail stating that my payment was returned and got charged a fee of $25. Here's the issue. First of all, I didn't get credited the money back into my bank account because my payment went through just fine. Secondly, the website shows that my payment was accepted and my payment history shows no returned payments ever. So having this proof, I emailed them and let them know about the mistake.

I never ordered a card, my son did and they debited 398.00 out of my bank for his payment. When I complained, they told me to take it up with my bank. This paid off my son's complete debt. They then started charging him those racket fees again put him back in arrears, he never use the card. Now, a year later, they are debiting him at a new bank for the same charges they stole from me. Big bank can take anything they want from you and there is no one to help you get it back. I lodged a complaint, nothing ever happened.

This is a terrible card and company to deal with. First we had to pay over $130 to get the card and activate it in hopes to help our credit. Then we found out we have to pay to access the account online, make a payment, and you can never talk to a live representative. The fees and rates are astronomical and for what? There is no benefit to owning this card. We want to close the account once we finish paying it off, but they will probably charge us for that too. They prey on people with bad credit and take advantage of people getting back on their feet.

I applied for a card with this company recently. They never sent the card but they are asking for a fee to activate the card (which is $95.00, by the way) using either another credit card or my checking account. Although I don't even have the card, they send me e-mails everyday, urging me to pay the fee and activate the account. Unbelievable. I don't trust them. Please don't ever give anyone your bank account access or the info from another credit card because it makes no sense! Legit credit card services generally charge your fee to your new card and usually the fee is a lot less than this. I want to see what happens (i.e. will I get the card, etc.). If I find they've used my information in an illegal way, I will make sure to take further action.

This place is truly awful! They gave not one but two credit cards to someone using my information! The contract dates are before I was 18 years old and they will not take it off my credit report even though I have provided plenty of proof that both accounts are not me! Not to mention calling their customer service department the reps are rude and won't listen to you and they don't note the account properly at all. I want to obtain a home someday and these accounts are bringing down my score! Why can't I get the help I need and for us good people to stop being ** over?

These people can't stop sending pre-approved offers, which is a rip off. Their customer service always asks for my social security number. I don't feel good about this.

I have had the card for a couple of years, and recently moved for a new job location. During the process of training and moving, my bank quit doing the auto pay on my account. So, I started doing direct draft through First Premier and that was doing good until I changed addresses and then it caused two payments to fail. Once I knew about that, I got it corrected so that my bank would not deny them and then the next three payments went through perfectly. But now they canceled my account without cause and due to the two denied payments due to my moving and such. There was enough money in the account to pay for well over a year of total payments. But due to moving and security issues involved, the payments got denied. They are ignoring me and will not turn my card back on.

I have been trying to repair my credit to buy a home so I initially opened a card with this company. Later, I received a credit limit increase and a second card in the mail. My son became ill soon after and we were having trouble getting him diagnosed so I closed the first account paid in full and remained with the other trying to avoid late payments. Unfortunately with him being misdiagnosed, we spent more time than anticipated so I had 2 late payments in 2010 and 2 in 2009. Now remember, I spent most of my days in the hospital and work with proven doctors. Now you would think they would have offered me the option to apply my credit protection I have been paying for.

This company is a scam, they have a very high interest rate, however this is not my issue. They charge more than the card limit a year in hidden fees, and by doing this, they put my card over the credit limit.

Stay away from this credit card! If you have an account, please close it ASAP! They charge an annual fee of $48, plus $8 a month "service fee", plus interest! Also, there is a huge 50% interest, if you want a credit limit increase! These scammers are getting rich off people, who are trying to restore their credit score, and taking advantage of them to the fullest extent. If you have an account with them, transfer it to another credit card, or please pay it off. It's going to be hard enough to close the account, because they will say anything to keep you, but don't fall for it. I can't believe how much money I paid in fees, interest, etc, when I never missed a payment in over 1 year. Sad! 99% of credit cards dont pull the ** this place does. You are warned!

If you make a payment to First Premier Bank, even if you are considered a good enough customer for them to constantly ask you to apply for another card due to your great credit history, they hold the payment for more than 20 days before you can use the money. So, if I pay off my credit card completely, I still have to wait more than 20 days after the payment has cleared my account before I can use my card. This is absolutely criminal and should be on the front page of every story about credit card abuses.

Total crap of the Obama administration, letting the banks screw people with sky high interest rates and add on fees like 4.95 a month to make your payment online. Capital One doesn't charge for paying online or many other banks. Just lost my job due to cutbacks and now I'm faced with filing bankruptcy. Perfect credit, too bad credit in a year time. Keep it up Mr. President, there are still some middle class working people left to drain.

I paid off my credit card account on 10/18/2011. I checked online to make sure that the account did show a zero balance. My account shows a $7.00 monthly service fee. I called and spoke with a woman by the name of Rhonda, who informed me that the charge has been charged due to the term and conditions every month. I asked her why is it charged to an account that is paid in full, her reply was because they do things that other credit card companies don't do; that they report ‘40 something’ times to the credit card bureau. I told her that I find this ridiculous to charge for an account that is paid in full and that they do not need to report it so many times and that I just may close my account.

I'm making a payment over the phone for one of my 2 accounts. I am making the payment on the exact due date on my statement and am told that I will be charged an ($11.00) fee which I think is ridiculous! I can understand if it was late, but my payment isn't late. Not only that I sit on the line for (15 min) being sent from your voice activated system, to a customer service rep. which doesn't speak English well. For the card I am making the payment on, I shred over 2 years ago. I am also told because I have shred my card that I am charged ($11.00) to make an online payment to the same account. I am very dissatisfied with First Premier Bank and have been the past few times in speaking with your customer reps.

I arranged to make a payment after the due date of the payment. This showed up on my credit report as a late payment. I was confused. Why would it be late if I had called and explained to them my story? I called them up and got no satisfaction. Even though I arranged to make the payment after the due date, it was still considered late. My credit score dropped 50 points. I am in the process of buying a home. Now my score is below 620 and the mortgage company won't move until it comes back up. Meanwhile, I've already moved my family out of my apartment.

I have had this card for three years, paying high start fees to rebuild my credit after an identity theft. Now my rate is more than doubled. The reason the customer service agent said was Obama's Credit Card Law. That is **!

So this may be a bit different from what is typically being said on this forum about this company but here is my story.

These people are very good at scamming. I will admit that I charged probably $300.00 (I have a $700 limit.) Somehow my balance due was $700 -- convenient, huh? One month, they sent me a bill for $30, so I paid it. I didn't purchase anything else, and my next balance was like $740. I had asked that they send me a list of my transactions as I paid the $5 for the online banking but it wouldn't show my transactions (or I couldn't find it).

When I opened my account for a credit card, I requested, due to income pay date, that my due date be changed to the first Friday of each month. For 3 years plus, this was an established practice, making note that I always paid the total amount due in full with all banking charges.

I don't even bank with them. My brother got a card so I figured I'd apply. They want me to send them $95.00, so I said no. Now, they're calling me under an unavailable number. They only left me one voicemail, which I deleted, but they keep calling. I'm not behind on any bill so the only one calling is them. Nobody else has my number and until I filled the application out, I never got a call and I've had this same phone for over 3 years.

They are absolutely relentless in their collections. They have me on an auto dialer to call me. Even if I make a payment arrangement, as long as I am past due, their auto dialer calls me every single day on my cell phone. I have come down with two lung diseases and have huge medical bills. I can only pay $25/month but it does nothing to my balance. All it does is cover a monthly late fee that I can never come out from under. I only owe them $150. I have paid this $25/mo for over a year and my balance is still the same. It has been an absolute nightmare for me as I'm on disability and unable to come up with more. When you make a payment, they keep you on the phone for ages confirming all your info, asking you to ask relatives or friends to lend you money, etc. It's causing me extreme stress and headaches. I can't rest after surgery because of their phone calls. Getting an account here was one of the worst decisions of my life.

I have other credit with other companies but First Premier is the worst I have ever dealt with.

I opened a First Premier prepaid credit card to start fixing my credit. I had the card for four months and made payments on time every month without ever having a problem. I got my taxes back this year and decided just to pay off the $300 balance, so I called the 800 number to make the payment like I always do. They have all of my bank information on file. I went through the automated line, made the payment and got the confirmation number.

I opened a credit account and they closed it without any warning. Then, they took my ability to pay my debt and reported it to Experian. They called my work to get a payment over the phone, which they accepted, and insisted that I make a wire transfer (my bank charges $30.00 per transfer). A computer answers my calls. I don't know what to do. I will be looking for legal advice.

I received a bill for $603. I made a payment for $600. They never applied it to my credit limit. They are trying to make me go over my limit because they keep charging me fees. I have contacted them online, and they never responded to me.

First Premier Bank credit card is a rip off. I called to pay my bill on the day it was due over the phone and they charged me $11.00 to expedite it. Had I waited until the next day to pay for it, I would have been charged a $25.00 late fee or more. I also enrolled online to manage my account better, at least that's what I thought, and I got charged $3.00 and some change. Why should I have to pay for my own account to look at online?

I paid my balance with Premier Bank but they still have not given me back my credit and said that I am over my limit. I have no clue on what to do and the company won't help.

I got this "secured" credit card a few years back. I thought it was a little expensive, but oh well, I lost the card back in January 2011.

First Premier is listing an account on my credit report that has been sold to a collection company, which I paid. They have the account listed as charges and not showing that it was sold to another company and was paid. I would like it to be removed from my credit report.

I need some feedback ASAP!

A $30 charge was made to my checking account via electronic check. When I called my bank, I was given First Premier's phone number. When I called, they said it was a one-time membership fee for "cash flow analysis"--whatever that is.

When I applied for this credit card, they told me that my credit was bad and that they will approve a credit card if I prepaid $200 and so, I did it. After using the credit card, I noticed that my interest was over 30% and I called to cancel but they tried to keep me. They offer me a lower interest and now they ask me to pay them $283 when they only allow me to use the money that I prepaid.

I understand via internet, that you have receiver many complaints about this bank's practices. I'd like to add mine to the list.

i got be hind on my bills and was not able to paid them off so this company has been a trouble about trying to get money out of me after there working hours and any they wood call me after 12;00 p;m at night are later some time just to get money know the banks are close where people cannot paid there bill on time thank you help find out what they are doing about this please .

I have had this card for a little over a year now and it has been a good way to build my credit. But lately, it has been almost impossible to make a payment on the card. I tried the Internet, but I stopped doing that because it takes them 2 weeks to process it, which is 2 weeks that I do not have. I tried to call the automated number and then it declines my card. I called and spoke to a supervisor and she took the payment over the phone and it still declined my card. She called the bank and the bank told her that I had the funds in the bank and did not know why it declined my card. Just now, I called and they lady said that the payment went through fine using the same card.

I signed up for a credit card with First Premier during the separation of my wife to pay for some necessities. Knowing my credit was bad, I wasn't even sure if I would get one. I got the card in March and charged $150 on the card. Realizing this was not a good idea anymore, I decided to cut up the card and not use it anymore and just plan to get the charges paid off as soon as possible. I never received a statement in the mail and started getting phone calls looking for the first payment of $68. I told them I did not receive the statement and requested they resend it.

First Premier Bank stopped sending me statements, cut off my online services, and effectively made it impossible to pay on for accounts!

As I called customer service to inquire about my balance, a representative informed me that my card was behind 2 payments. I told her I had never received the bills. Then, she screamed that I am an idiot, that the bills need to be paid by the 8th of each month and I should know this. I then paid the past due and the phone fee. The rep gave me a confirmation number and said she would waive my late fees. As I was traveling, I tried to use the card and the store clerk said the card was declined. As I called the bank again with my confirmation number, they said that the confirmation number did not exist and they have no record of my call. I went to my bank. Not only were the 2 late payments taken out, so was an additional $300.00.

I just had a horrible experience with them and have all of the letters to/from them to prove that they allow credit card thieves to steal from you. Someone got a hold of my card number and charged over $400 to my account, and I disputed it the first time and they rejected the dispute because my home address was used to make the charge and told me to contact the company that posted it (World of Warcraft). I did that and spent hours on the phone and they refused to talk to me because they do not have the card number in their file or my name, and sent me back to premier.

I have been paying on payment protection for almost a year with this credit card company. I filed for benefits because my income has been nothing for three months due to the weather. I was told that benefits were denied because I am self-employed. Why have payment protection when it does not cover instances like this? No income and no work is just that. That is simple and basic English and Math.

I called First Premier to ask why a card that I have is not working. They stated that I was over the limit on another card I have. That's probably true; every month, I pay the card, never miss any payments, never late on any payment and usually pay double of what the minimum is. While talking to the individual instead of listening to me, what they did was to put me on hold. I could audibly hear the phone click. It's a horrible customer service to put a consumer on hold without acknowledging what you are doing.

I received a new credit card from First Premier in late November with an upfront pre-charged $175 annual fee. The offer said that you didn't have to accept the card unless you charge something on it or make a payment. I decided to check out their website to read about the deal. The website said that a one time payment of $3.95 was required to access it. I agreed to the fee (expecting payment options) but instead it was immediately charged to the credit card. Thereby entrapping me to keep the card! The first payment was due so I felt like I had no choice but to send a payment. I have not charged anything else on the card and don't intend to. I feel obligated to pay off the $175 fee or get a bad mark on my credit. I feel it was very deceptive and the neatest trick I have ever seen to entrap someone.

I had my bank set up to make electronic payments every month, which it had being doing for the past 10-plus years. When the bank was sold to Wells Fargo, part of my payments was blocked. No reason given. So I sent the payments back through. Same thing. I had explained to each company what had happened. All but First Premier worked with me to try to get this figured out and payments flowing again.

I want to thank each and everyone that wrote in with your complaints. It helped save me some pain and suffering to me, any my pocket book. Remember don't get a credit card that has high fees, why pay them to use their card.

Charged way more than agreed upon in fees. They are in cahoots with the Better Business Bureau because they BBB refused to help and with the numerous online complaints regarding First Premier, I find it hard to believe they could maintain an A+ record unless they bought it. Just not a good company to deal with, they lie and the card is not worth it.

I did not use a First Premier Bank card and I certainly did not agree to their contract. I expressed interest, at one point when a representative from their company contacted me but I didn't elect to go with their credit card as it seemed fishy, yet a card showed up in the mail anyway. I did not use it and contacted them right away, after searching forever for a phone number, to fix the situation and cancel the card.

I made a purchases on the phone and returned it and it was charged back to my Mastercard not my debit so there was only a purchase order which on it says it was with my Visa debit and they are saying that it doesn't say that I also have the return receipt that they say they can't use so there is nothing they can do.

I applied for a credit card. I am still waiting to get this card in the mail. I paid 95 dollars processing fee to get the card. They say the card comes in 7 days after you pay the processing fee. When I did not get my card, I called the company. The rep claimed the card had to be made, then shipped out and that I should get it in 3 to 4 days. The 4th day came and went. The card did not come. I called the company again and asked for a supervisor. The rep refused to let me talk to a supervisor. I asked again and again the rep refused. I asked where my card was and explained to her what the late rep had told me. She claimed the card would come anywhere from 7 to 10 days. Something do not seem right about this company, so I decided to go online to see if they had any complains, and I found this site.

I first got this card with the APR at 9.5%. I pay more than the amount due. In fact, they have a balance due me of $67.00. I had no late pays, etc. The APR went to over 20%. When I called, I was told that "this is a fee based card.” I get charged for any way I pay except by snail mail. This is an unfair practice and should be banned.

My husband and I are purchasing a home, but we had to build up our credit. We did not know that First Premier will be rule and disrespectful. We only have been late 3 times, but they call our house all times of the night saying "just give us our money, maybe we would think about not calling". I told them, "listen, the payment is in the mail. Do you want me to give you the number of the money order? Sometimes, we used our debit card to make a payment, but they are the most dishonest people I have ever seen. Do not get me wrong, it's a great card to have and the rate on the card is very high (20.15%, it's crazy).

I applied for the card with the intent of re-establishing my credit; the company appears to be a scam. They prey on persons with limited options. I make close to six figures documented. But because I didn't have any credit cards (and had some slow pays 5 years ago), my credit would never exceed $615. So, I secured the "non-secured" card with all of the miscellaneous fees, to the point where you begin to pay interests in your own money.

I received a total of 3 emails indicating that after submitting $45, a credit card would be provided. While I contributed $45, I just received a card and a congratulations letter indicating that there is an another "initial" $75, which has already been billed to card! $75 amount was never disclosed until recently. It is surprising to understand that such a dubious organization can be a component of banking system. Shady entity.

I have been paying over the amount expected. I could not understand why I was not getting anywhere. Their fees are outrageous! I am currently on unemployment and I wind up getting a late fee. Their fees are more than the actual balance. It should be a crime to take advantage of people. There should be a class action suit filed against them!

I paid on this premier credit card ever month. I never had a late payment. In July, I made my payment as scheduled and then I set up an auto payment through Wells Fargo bank. Wells Fargo immediately made a second payment to Premier Bank. I had Wells Fargo cancel the 2nd payment and refund my money on that payment only. Premier Bank cancelled the card because I would not make 2 payments to them. Now they say they have notified the credit bureaus that I owe them money. The fact is that I never made a charge on this card. The invoice or bill I received on August 9, 2010 says there’s no past due balance for a payment in July 2010. How do we stop these thieves from doing this? This caused negative on credit report.

I obtained two credit cards with First Premier Bank. Last February, I called to ask them to please make both of my cards’ due date on the 12th of each month. They assured me this would be done. Then every month since then, I have been charged with past due charges on these cards. And I have proofs that I make my monthly minimum payments via my online Bill Pay with my credit union and I always make the payments three days prior to the due date. My credit union has assured me that these payments are fully transferred to these accounts in that amount of time. I have tried to set up online accounts with First Premier several times with no luck. I keep getting error messages that I am not giving the correct card numbers or what have you.

I recently acquired the FPB Mastercard in hopes of restoring my credit. I made a few purchases, then I get harassing calls: “You’re over the limit, we want payment now.” So I made my payment.

So I had owed about 250.00 dollars and my credit limit was 300.00. I called First Priemier and spoke with a rep and we had agreed to 20.00 a week to be deducted from my account and that would bring down the amount owed. So one day, I go to check the card to make sure I was down to about 90.00 bucks, and it say I was over the limit. So I called and spoke with a rep and she stated that there was a 12.00 fee for every 20.00 dollars made and I was charge a late fee not even making the minimum payment. I was told that I need to call and make a letter and dispute the matter and I did and they did not get back to me or even call. It is on my credit and now I need to pay off so I can get a loan for a mortgage.

This is concerning my First Premier Credit Card. I have had this credit card since October of last year. I was somewhat concerned about the initial fees, but I realized I needed a card to boost my credit rating. The APR isn't bad at all if you can get over the shock of the fees. I did, at one point, call customer care because I wanted to see what they could do about the monthly fee they were charging me. The gentleman told me that the fee was there to ensure that my payment each month was reported to all three credit bureaus (Equifax, Experian and TransUnion).

We have had a First Premier credit card for a little over a year. Our payments have been timely and almost always in the full amount. Recently we went on holiday to SC and presented this CC at the front desk for incidentals (usually -0- for us) as is customary practice. Wrong choice!

I have 2 First Premier cards for over 5 years with excellent payment history. Recently, we purchased a house and used them during the move. The limit is low, so we didn't have a lot of credit. I consistently make payments on the 15th of each month on payday for well over minimum. This month, I had payments already in process to pay off both accounts. We had a death in the family with an emergency funeral 1100 miles away. I paid one card almost off with funds to have on hand for gas, etc.

I have two First Premier bank card accounts. I am continually frustrated with this bank's cavalier attitude toward customer service. By routinely withholding funds well after payment is made, but also for me, simply deciding to close my accounts that I've had for many years, because I made a mistake by transposing two numbers for my account number to withdraw funds from. Even though I paid both cards in full, they decided to close both accounts after they told me that I would have access to funds within three days. They said it was because of my error in transposing two numbers, even though it had been corrected. I paid over $800 to pay the cards off, now I cannot use the cards for this month making me unable to properly operate my business.

I, Richard ** was approved for $350.00 credit card, never told that I would have all fees attached equaling $179.00 for the credit. Moreover, I was then charged a service fee monthly $7.00for service, which is very poor to say the least. I went to use my card for a cash advance because the store I was purchasing at did not have a credit card machine and was denied cash that was needed for the purchase; I called consumer service and was told that I could only take 10% of the credit cards limit ($35.00). I was very upset and explained to the service operator that i was in a bad situation not having cash to paid for my purchase, I was told that this was told to me prior to getting my card.

I just found out that they raised my annual percentage rate from 9.9 to 20.15 percent on both of my accounts and it's not worth it. I'm going to work on getting these paid off and close the accounts. They can't drop the annual percentage rate. They say they don't go by our credit like some banks do.

First Premier Bank offers you the convince of paying your credit card bill on line with their company. Once you register your checking account with them you make the payment. The payment immediately comes out of your account. They hold this payment for anywhere between 7 to 21 days to verify it. This is crazy. I sent over my bank statement to their settlement department showing that the payment when thru and still they would not release this payment to my account. ACH transactions done online can be processed right or way or within 2 to 3 business days. There is no way that you should have to wait 7 to 10 business days for a transaction to process to your account. This is an awful way to do business and this should not be offered as a payment option unless you inform the customer that you will not post the payment until 7 days later and not remove the funds from their account until then.

I opened this account with a promise to "establish credit." While I was aware that I would have to give them $250 of my own money to be used as the initial credit line, I was misinformed of the penalties, fees and shady business practices they would employ. I gave them a first payment of what I remember to be $130 in the form of a money order. I was told that checks took longer to clear. When I went to use the card for a purchase, I found that the money order had to "clear" 90 days. I made one purchase, that was a book, for $25. This was paid of my own money. I called and wrote to the company and told them to cancel my account, I did not want to use it anymore and that it is a rip off. Instead they pursued me for every type of fee imaginable. This was opened in 2005. They are still sending me collection letters. The amount due is over $700 on money I did not spend, but was my own money! I get "settlement" requests from multiple collectors. I am harassed constantly. I have a negative report on my credit for a credit card that was basically my own money and was only used for $25. I am constantly threatened and harassed.

Like other people on this site, they doubled my interest rate from 9.9% to 20%. I have been a customer for 6 years, never late, and paid off balance in full many times. I wasn't even aware that they raised my rate because I did all my business with them online. I didn't get a special letter informing me or giving me an opt-out offer. I had faith in them while my other cards were tacking on 5-7%, and I was opting out of my available credit. Then they went beyond all the others. They "appreciate" my business. Yeah, I'll bet they do. Just the anger and the principle of the whole thing! We had an agreement. I held up my end of the contract and they screwed me because they can, and worse than any of my other cards. I would be thrilled to be part of any class action suit against them.

I would like to tell of my experience with Premier CC and give a bit of advice. In reading all of the complaints thus far, I feel a lot of the problems could be avoided if people took responsibility for their credit card. A few months back, I went on-line to apply. Sometimes (a lot actually) my internet connection will disconnect; this happened when I hit the "submit" button. I never received an e-mail, so I figured my application did not go though. I guess about a month after that I received a letter from Premier stating that I had been approved, the details of the offer: The processing fee is $95.00; Annual Fee $75.00;Credit limit $300. I must pay the $95. processing fee before my card is "open," then my available credit will be $225.00.

I was sent a card in the mail with $250.00 line of credit. The fees that they charged from the beginning were $179.00. When I used the card twice (for less than the amount to reach the limit) the fees totaled an over limit fee. They told me if I paid the balance in full I would have the $250.00 worth of credit returned to me. This sounded like a good deal, but when I tried to use the card (for an amount less than the $250.00 they said I was over the limit. When I called the credit card company they said my available balance was $13.00. This sounds illegal to me. I can pay over $250.00 and have my credit limit go down to $13.00. This cost me $250.00 which could have been used for something else like gas or groceries for my family.

I cancelled my First Premier account ages and ages ago. I first got their card after some business reversals, long since repaired. Still, when I asked for a better interest rate and a raised limit, the answer was always no. Imagine my surprise when they sent me a pre-approval for a Platinum First Premier card with an annual fee of only $175 and the wonderful annual percentage rate of only 23.9%. Wow. I hurried to go online and get my pre-approval validated. Not!

Something has to happen to this credit card company. Everyone who has ever used it should get their money back. I wanted to boost my credit up so I figured I would get it for a year or so and be done. Well I have only used it once a month for my XM radio, of like $12.00 and make my payments of not the minimum of $25.00 but of $50.00 and the amount still stays the same. It was close to $300.00. Every month there is a new fee and it is too crazy. This should be illegal. Why hasn't this bank been shut down?

I just found out that my credit card from First Premier Bank doubled my interest rate from 9.90% to 20.15%. What are these people thinking?! I don't understand why they did this. I have excellent credit with them. All i know is that next month, I am going to pay my balance off and cancel the card. People are having a hard enough time as it is without the banks ripping everyone off! Credit unions are far better! I can't afford 20% interest. I was in the process of rebuilding my credit. Now that's not going to happen!

How are we supposed to know all this information about one of your telemarketers. This guy was obnoxious. He asked for Robert. I know Robert has no use for a credit card. I know that. He said he'll just keep calling until he gets him to tell him that. Then, I got Robert on the phone, who said, "No, thanks." However, good old Kent wouldn't let him off. That was pretty obnoxious. It gives the company a really bad name.

I was called on the phone with an offer to receive a First Premier Band credit card. The deal that I made was for 9.99% interest. I have made all payments on time and I used the card once a month in good faith to rebuild my credit. When I looked at my latest payment statement in March 2010, this company had doubled my interest rate to 20%. I always thought that a doubling of interest was due to poor performance on the part of the card holder. I have been acquainted with a new law called universal default clause.

I am writing to you regarding my credit card account. In December 2009, I contacted First Premier Bank explaining that I no longer wish to hold a credit card with their company. I had a balance of $258.07 and made a payment of $125.00 at that time. I spoke with a representative at their 1-800-987-5521 number and set up payments for three months at $30.00 a month until the balance was paid in full.

After reading the numerous postings regarding First Premier Bank and their unwillingness to work with customers, I decided to call (I have 2 accounts with them). They raised both of my cards from 5.9/9.9 to 20.15%. On top of paying fees every month, the added interest did not set well with me. My first bit of advice will come in handy. (#1) When you call to complain about your interest rate and they tell you there is nothing they can do about it, don't stop there.

I had got a few of these pirate credit cards years ago. I was making payments and was just getting nowhere with these cards. Now, they are all in collections charged all these fees and interest went up. They lied. I was supposed to have a $500 limit. Lies. They slammed me with a $250 for using it once. It stays on my credit report due to them keep passing it to different collection agencies. It went from $125 to $1,000. I just can not pay. I tried so hard.

When I received my April bill, I noticed that my APR went from 9.20% to 20.15%. I was told that this was done in order for them to comply with the new credit card mandate, and to protect their bank. I told her that this is not what the new credit card act was about and they are using this as a way to jack up the APR's even though you pay your bill on time. Also, I had a late payment warning on my bill stating that if they did not receive my minimum payment by the due date, I may have to pay a $29 late fee if my balance is $500 or less or a $35 late fee if my balance is $500 or greater and also on my bill was a minimum payment warning.

My wife got the [First Premiere Bank] credit card, because she’s from other country and wanted to build her credit. It was awful. On her first statement, she had to pay almost $219 only per fees! She had this card for almost 5 months and only made 3 purchases because every month is some kind of fee. She cancels her account and they offered a new credit card! Never again!

I noticed an account number on my credit report that wasn't mine. I told First Premier to remove the unidentified account number. Instead they placed my actively used card that was valid as Lost/Stolen. So now, I can't use my card and I have to wait 3 days for a replacement card. I used this card to restore my credit history. And now, because of this, all my good credit history is stopped based on this card. My credit report is being affected based on falsely reported information, ie, unidentified account number.

I am writing a phone harassment complaint. This company continuously calls me. If my bill is due on the 17th of the month and they have not received payment, they start calling every other day, 2 or 3 times a day. The reason I am complaining is because I am not in arrears. I make my payment every month. The minimum payment is $20.00 and I pay a minimum of $100.00. I made a payments on both cards 2 weeks ago of $200.00 and they are calling me because one card is over the limit due to a membership fee. My bill is not due until next week. In the last two weeks, over 20 representatives have called me for a payment. They call me when I am working and at school. They should not be calling me at all because my account is current. The phone calls are driving me crazy.

So I got a credit card so I could use it for gas everyday driving 45 min to and from work but I soon after cancelled my card because every time I spoke to anyone concerning my account they were very, very rude. Now I get calls probably 20 times a day, not even kidding, and every time someone is yelling at me. It makes me so mad that I don’t even want to call and make a payment. They even called my work before and were on my case about paying when I’m working! They said they needed a payment then and they didn’t care I was at work. I will never use First premier bank card or even the bank for anything again and I will let other people know how bad of an experience I had willed them. Their staff is very rude and you don’t need to use them for any reason at all!

All First premier customers need to close their accounts with this company. We are making them super rich off our hard earn money. They will try to get you to keep your account open, by offering a 30 dollar credit or lowering your APR back to 9.9%. As long as you close it in good standing, it won't hurt your credit, but may lower your score. I have closed and paid off 3 accounts with them, 1 left to pay but closed. It's a big relief for me and my wife. It cost me an hour or two of my time to do this closing of the accounts, also $22 in fees that were not necessary.

This company preys on people with not so good credit and what's more is these people are aware of it and are desperately trying to clean it up. There are so many fees charged initially--it is insane. Also, once you pay off your entire balance, don't think you are home free because every month, there is going to be a charge for some fee. It is ridiculous. I think all of the people who complained on this website needs to file a complaint with the FTC. I think that is the only real way something will get done. It wasn't until there was a surge in complaints regarding identity theft that something got done and this situation is no different. There is power in numbers and once more and more people complain to the FTC, in addition to this website, then someone somewhere will have to take notice.

I noticed that my APR went from 9.9% to 20.15% so I called in to find out why. I was then transferred to another department. I asked why my APR went up and it was explained to me that due to new legislation imposed by the govt. the new terms are effective 2/28/10 unless I choose to opt out. I requested a copy of the letter that has the new terms and conditions as she stated that I have until 3/19/10 to accept the new terms. She gave me an overview of the biggest changes and then told me that I have to accept the new terms or she would cancel my account.

I was offered a credit card from First Premier Bank to rebuild my credit. Yes, I knew about all the fees and was okay with that as many accounts do have processing fees, annual fees, etc. I made my payments on time, but the first month, February 2010, they assessed me a late fee on 02/25/10 and my payment arrived on 02/26/10. They called my house but their telephone number is blocked and the number they provided goes nowhere, so I couldn't call them to discuss what had happened.

Just got my March statement to find out they upped my APR from 9.9% to 20.15% with no prior notice. I called them back in Sept to ask what if any changes they would be making (because my other card went from 9.9 to 14.9). The young man Justin told me they were not going to be making any changes.

The fees to this credit card are outrageous. Since I have had this card, I have only made three purchases. I have paid the $25 minimal balance with no change in my balance, so basically have paid at least $150 towards the account but still have the same balance. This month they changed the billing date so I missed it by one day and now I am being charged over limit and late charges (I've always paid on time). So now, not only have I paid all this money, but am now over the limit and considered late without even using it since for the last six months! I'm broke. My husband is out of work. I needed the credit card to help when I was on maternity leave but now I just want to get rid of it but obviously that won't be easy.

I paid my bill online a service that has a $7 fee on 2/13/2010 four days prior to when the bill was due. Although it stated what day the payment was accepted, it was not posted until 2/18/2010 after the bill was due, causing me to be charged a late and over limit fee. When I tired to reach someone on the phone the number was no longer accessible; instead I was sent a text message which would require me to accept a data charge of $9.99/month for further information in order to get in contact with someone. On at least three occasions I have been charged late, over limit and other fees because of late payment which were a result of the company’s fault and still have not been resolved. This has caused me advise effects to the building and repair of my credit.

I had an account with First Premier Bank for 6 months. I paid my bill on time, the whole balance not the minimum of $25 plus all fees. The credit card reported to the credit agencies as good credit. So I had no problems with all the fees. Until I went to use my card at the dentist and was denied. I had $150 available credit. My card was suspended because I paid my bill with two separate debit accounts. The accounts had to be verified. I did not receive notice of this until 2 days later. It took 3 weeks for this to not be resolved. I cancelled my card. I felt like I had been served an injustice as a consumer who pays bills on time. Now I have no credit card for emergency situations. I owe them all of $49. I feel let down as a customer.

I was recently approved for a Visa Card by the above bank. When I first read the agreements, I must have misread some of the fees. I called Customer Service and the lady I spoke with explained the fees. There was a processing fee, annual fee and also an express card delivery. Now, I have received my statement and I'm being charged for internet fees and a monthly service fee. I think all of these charges are exorbitant. I am closing this account. I think someone needs to look at this bank. I feel that they are unfair to their consumers. I don't know what can be done to help, if anything, I just felt this needed to be filed as a complaint as I'm sure I am not the only consumer having this problem with this bank. Thank you for any help you can assist me with.

First Premier Bank is a rip off. When I applied for the card, it was for the purpose of rebuilding my credit. They sent the card but I did not know that the fees were so much. When I used the card, the limit was reached and I only used it for a small $20 purchase. I tried to pay the balance online and was told that there was a fee to pay it online or by phone. So I said that I would mail the payment.

I have had a couple of cards. One has been cancelled for a couple of years. I had been making payments faithfully. I got behind a couple of months with financial problems. I wanted to get it paid for, now I owe almost twice what my credit limit was. The other one I want to cancel but it still has not happened. The finance charges, late fees and so-called annual fees have made this one even higher. I refuse to make another payment to them. I figure I have paid more than I ever dreamed of charging to their card. They keep harassing me at work even though they have been told on numerous occasions not to call this number. They get personal and demand to know what family matters dictate why I can't pay my card down or even in full. I so do not want anything else to do with this company. My credit is shot anyway and these people have no compassion nor business sense when it comes to dealing with their customers.

Well, we pay our bill in full every month and as so many others, are trying to reestablish credit for my husband. Well, first the card is in his name so he has talked to them twice to say that I am an authorized person to talk to about this account and they show no record of this. So then the bill was due on the 12th of the month, paid it on the 6th of the month. They did not take the money until the 10th of the month as showing on our bank statement and now here it is the 13th, they have the money, did not post to his account and now want to charge us over the limit fees. This credit card company is a scam no doubt so we closed the account.

Other people have complained about the fees. They are outrageous. I was given a $300 credit line, and charged $179 in fees, although not all at once was due. I bit the bullet, then enrolled for online account access. It costs $7 to pay your bill online. I paid the entire amount due, including all the fees (even the $7), just to clear the boards and have my full $300 available. After the payment posted, I noticed my available credit was $1. After further review, I find that they hold payments up to 20 days, before they get into available! Tell me where in the USA it takes 20 days for an electronic transaction to clear! That was the last straw. I can't believe I was stupid enough to get their card in the first place. Just getting old, I guess.

I signed up for a credit card after I received a letter in the mail that I had been pre-approved. I received my credit card today and opened it up. I was really disappointed because the credit limit was only $375. Then I looked below the credit limit and it said that $179 of introductory fees had been applied to my card and I owed $25 for my first payment. All of this without even using the card for the first time! Oh, and the card was already activated without me calling in to verify that I had received it. Anyone could open up that mail, take the card and use it as much as they want.

I received a card and the fees are way over. How do you become for a credit card and the issuing company spends most of it and you have to pay it. Wow. Don't do it. I have no clue how to get out of this mess now.

On February 1st 2010, I sent in a payment of $50.00 to First Premier Bank, the amount owed was $25.00. On the next billing, I saw a $7.06 past due amount and a $29.00 late fee!

I applied for a credit card and was approved. When I reviewed my card with a $250.00 credit limit, $179.00 had already been charged as various fees, leaving me with available credit of $71.00. After reading the entire contract and disclosure statement several times, I found out that I can return the card within 30 to cancel the account. Nowhere in any of the paperwork does it give you an address to send the card to cancel the account. With all of the fees that are already charged on the card when I received it before I even make a purchase, I will be over my limit!

I made a payment through my bank's online Billpay system and the payment didn't reach 1st Premier. I talked with my bank who said they would contact 1st Premier. When I inquired 5 days later as to a status, my bank told me that 1st Premier 'refused' to speak with them about this issue. Consequently, I'm being harassed with daily phone calls claiming I need to set up a payment plan. No one is willing to help find out where that payment went and I've been charged with late fees. To me if no one wants to help find that payment, then 1st Premier has 'stolen' money from me and either credited it to the wrong account or put it into someone else's pocket. I'm going to close them out and hopefully this will help with evidence against them as a Bank that is unethical, ruthless and inconsiderate of the consumer.

I went online to see if I even qualified for a credit card, which I did, but then found out there are fees after it was too late to go back. Then I could not get a hold of anyone to cancel my card. The fees are outrageous. There is more like charging you $3.99 to access your account online plus the initial fee of $179+.00 and a $7.00 monthly fee, which is not disclosed when applying. This card is a scam which I got taken for. Yes, I will pay for what I bought but refuse to pay the fees, and so should everybody else.

I received this offer and took the bait. I paid what the bills were coming out to with no questions. Then they hit me with a $179 bill. I was like? Anyhow, I called in. They sugarcoated the mess, trying to keep from messing up my credit even more. I agreed to pay. Unfortunately in the process, I got laid off and lost everything, that meant everything. I was literally homeless! A week before my phone was cut off, I start getting the ugly calls. I explained to the lady that I'm not avoiding my dues, I just lost my job. The money I was approved for, I don't have and in return I owe you all!

Worst credit card ever. Fees on top of fees on top of fees. I have paid on time and have been up to date on payments. However, I got a "courtesy" call today telling me my account is going to collection. They asked how often I get paid and I declined to give them this information. Because of fees on top of fees, my account is over credit limit. I have been charged more fees than actual items I've charged on card. Now here comes another offer from them stating because I've been a "very good customer" they are offering an additional card. The fees to activate this new card would be approx. $100. I told them I'm not interested. Really bad card. Don't get trapped.

This credit card department is horrible. They charge you all these fees before you get your card. By the time I wanted to use my card, I had $72 left available from all the charges they charge you. So I advise those people who are trying to get the credit scores to a better rate that this is not the card to get nor to start. .

Here is the story. I work at a bank and have had way too many customer complaints about this credit card so I decided to apply for one myself. After reading all the terms and conditions, I was well aware of all the fees and finances charges so I never had an issue with that. However, this company is operating out of compliance under specific circumstances. I've been using this card like a regular credit card to test how they operate payment procedures as well as customer service. My first situation that I came across was when I used the card for a rental car.

Well, I did apply for a credit card and was very happy to be approved. However, when I received my card, I was shocked at all the fees and costs for having a credit card with them. I was also wondering about the the fees they had already charged me with before I could use the card. They stated the card was already activated and gave me a $250 credit limit with an available limit of $72. Also, they said I needed to make a payment of $25. Yes, I did read that there is a start-up fee of $179 that needed to be paid.

I received a Visa credit card from First Premier Bank credit for $250.00 but only $71.00 was on the card. I used the card for Christmas shopping. There was only $71.00 credited to the card. I received a bill for $204.00 but didn't owe that amount because only 71.00 dollar was on the card. They were supposed to give me a credit of $250.00 online. After that, I found out it was only $71.00. They were taking out themselves $179.00. I haven't purchased anything. When I called and talked to customer service they told me to pay $71.00 so it will be zero balance, so I don't have to pay $179.00. Please reply.

First, I hate this company and I wish I never got this card from them. I knew something was wrong but I can't tell because I thought because it was a little amount that I could pay it. These fees were crazy. I'm paying for all fees before I use the card.

They sent me a credit card that came with a $180.00 balance. I paid it and called to cancel. They convinced me not to, that I would have better credit by staying with them. I stayed with them, tried to use the card twice and it came up declined. I called them and they said that I should have $300 on it. But it didn't. I tried to cancel. I have been paying $7 monthly for nothing. I have not used the card once. I called today and it says zero balance, zero credit available. I have basically paid about $200 for a piece of plastic. These people should be put out of business.

They say to help to rebuild your credit or gain credit. Yet, I've received my card with a credit limit of $50 and supposed to be $200. Anyways, never used my card as they mail me my first bill and I've never used my card. This credit card company is a fraud and should be investigated or put out of business.

I got a card with a limit of $50 and two weeks later I got a statement asking for me to pay $25 and I haven't even made any purchases! The card is still in my purse, never been used and I got a bill of $200. They have lost their minds. I am a student in college and I already owe for student loans. I am unemployed with a family and this feels like a blow to my credit. I feel duped.

We returned the cards without opening the account due to the excessive fees for the cards. They continue to hound us for the $199.00 start up.

I got an offer from these folks for a $75 limit credit card, I thought, okay, that will be easy to pay-off. Wrong! After my first bill came, I noticed that the balance was $200! They charged me $125 to use the stupid thing not including all the additional charges. I have used that card one time for $75! As of today, right now, I owe them $168.59 after having paid them $331.12 the last year! ** am I supposed to do? These people are draining me of my hard-earned money! When I called all irate, they told me I didn't have to be rude, **! I do and will be rude! I make $11.00/hr. What are they making off of the poor people of this county! Boo! You suck First Premier Bank! I want my money back! I'll give them their $75 freaking dollars. I have paid them $41 per month total since I got the stupid thing last year. I think my dues are paid and they can **!

I currently have four cards from this company. This truly is a company that needs to be investigated for their preying of people with poor credit scores. My wife has 2 cards and I have 2 cards. The fees are ridiculous and allow you to never really escape their pocket. $7.00 a month maintenance fee on a zero balance account, $50.00 annual fee, and to top it off, their credit limit increase fee has went from $25.00 to $50.00 starting February 22, 2010. And their interest rate was raised to 16.9%. Well, I have finally come to my senses almost, and closed 3 of them. They will try in every way to get you to keep it open, even offering a $30.00 credit. Don’t be fooled by their deceptive practices. I only keep one open with them because it has a longer credit history, which will help your score. One good thing is they cannot charge you a $3.00 fee on closed accounts according to the new credit card act.

This is crock! Do not do it! At first, it's a credit builder but the more you don't use it, the worse it gets! I have a small balance and they don't understand not to call my job. It's ridiculous. They even call on Christmas Day! All they wanted was the $20 payment and that's what they keep calling me for. One week, it's $80; then three days later, the balance turned to $100. They also have all your banking information too so be careful if they want the payment. They will take it out of your bank account just because you answered the phone. After I pay in full, I will still have to pay $7 each month just so it doesn't show a bad closed account on my credit.

They send me applications for credit cards every couple of months for a platinum card that is worthless. They want to give me a $250.00 credit limit and charge me $179.00 in start-up fees before I even get my card in the mail. Then there is a 9.9% APR that more than likely go up to 23.9% in the first 3 months with no explanation at all. There are other fees they assess you if you are late, over limit, bad check, etc. I think the only difference between First Premier Bank and Jesse James was he did it with a gun. They advertise as trying to help people with bad credit, but really they are just taking advantage of the poor people and lining their pockets. Anybody that is working there must not have any morals at all to see this and keep working there. If you apply for a job there, the first question must be "Do you have half of a brain?" And if you answer yes, they hire you. Anybody with more than that doesn't get hired. That is my complaint about this bank and I thank the Lord I have more common sense than to ever sign-up for a complete rip-off like this. The best New Year headline I could possibly read is when this bank gets shut down and the people that own it, be put in jail.

Stay away from this company. They are nothing but trouble. They charge high fees; you pay over 157.00 USD when you have not even made a single purchase. Customer service is awful and unprofessional! If you read recent reports, you can understand what I mean and I am not the only one that has had a problem with their agents. If you mention to them all complaints reported online, they get upset. The agent I mentioned this ended up hanging up the phone on me! What a nice way to handle a customer... Finally, I got to cancel my card with a nice agent (1 of 100) after going through a lot of unprofessional agents and wasting my time. Please, please! If you want to avoid throwing you money away, stay away from this company! And read all reviews they have.

I was calling regarding my fund being released since the money had already been withdrawn from my account. After going at them for 5 min., I asked for the supervisor. I asked, “Why such a long hold? Why did the dates change from one day to another overnight? “Well, if you read the fine print behind your statement, you read the withholding statement unless you do direct pay.” I told, “We asked about that.” They said they could do that since the routing number was wrong the first time. So we gave the routing number again to a person.

My husband, Steve, applied for and received 2 Mastercards from Premier Bank. They were low balance cards, we thought, that were designed to help build our credit. These were not joint account cards but I was an authorized user. They show up on my credit report and should not be as I am not a joint account holder. I do not recall ever even giving them my SSN. Many times, we called in our payments on the day that they were due and still were charged a $25 late fee. When we called and asked, we were told that we had to call our payment in before 4 pm in order to be counted in on time. Even doing this, we were still charged a late fee which continuously also created an over the limit fee. At no time were we offered any type of resolution. This snowballed.

I was called and asked for by my first name by Sara at Premier credit card. As soon as she said something about "lowering my interest", I tried to say (as to avoid the whole-no thank you conversation), "Excuse me ma'am, I have one card with my local bank." She never stopped talking and then very rudely told me to shut up and how was I supposed to hear her when I was talking over her! And she called me a **, then hung up on me.

Maria Bartiromo of CNBC News reported that the bank was raising their interest rate to 79.9%! I tried to go online to get the scoop. As a result, I wouldn't recommend this bank and consider them to be very unfair.

I called because they are charging me $6 a month fee for reporting to the TransUnion, Experian, and Equifax. You have been reporting to them all this time without charging me. Why now? They said now they report to them more often and it looks good for me. I told them I was not asked if I wanted them to do this and I want them to stop if they have to charge me. They said no, that it doesn't matter if you want them to or not, they are going to keep charging me the fee. And if I cancel the card, I will have to immediately pay off my balances.

I have had this Visa through First Premier Bank for years, and I have had nothing but trouble. The latest problem was back in August. Someone had stolen my info and used my credit card online. I called in and closed that account and opened another with a new card. No problems, I thought. Anyway, I received my new statement and I saw where my account was closed. I called in, and this woman couldn't even tell me anything. She stated the only way to re-open my account was to go through another credit check which lowers your credit score and then I would have to pay more fees on top of that. My balance was almost paid off, and they want me to start all over again. It's a ripoff! They charge all these fees to just have the card, which is crazy! This is a scam, and I want as many people to know about what they've done to me. Even the Supervisor I spoke with named Mellisa couldn't even help me. All they wanted to do was open a new account with new charges and new fees. No, thank you! This company is a joke!

I have been using this credit card for close to two years now. I have never charged anything over my balance and every month I have paid them on time, with the exception of a single month where my payment was two days late. That month I called them to apologize about my payment and made the payment over the phone (for an eleven? maybe seven? dollar processing charge), to not be hit with a late fee. Each month I send them a check, write the amount in my checkbook, and am done with it. Whenever I have checked my online account with them, the payments have gone through. Last month I looked at my online account and noticed that I was charged a tremendous amount for being over my limit. Frantically trying to avoid late charges, I paid the penalty and the past due balance. I never received a confirmation number but moved on with my bills.

I signed up for this card and I was charged $175.00 to do so. I was making all monthly payments on time every month. One payment "they said" was last and from then on, I have been charged a $50.00 late fee. I cancelled this card because my bill goes up every month even after I paid the $50 and the monthly payment.

My wife and I were looking for lower interest rate cards to consolidate and pay off our credit card debt. We have excellent credit ratings of 793 and 804. We applied for what appeared to be a legitimate credit card offer. I think it was a gold card, so we were under the impression we were applying for a $5,000 to $15,000 credit limit. We submitted an online application and the bank website appeared to be legitimate. Three weeks later, I received an email stating we had received a $300 (yes, get this, $300) credit limit. Our Costco card has a higher limit than that! If that weren't enough, the email notification stated we had $121 in available credit. That basically implies we have $179 in charges and haven't even received the cards yet nor an account number!

Someone from the Premier Bank Card center called my job trying to get me to switch my credit card to their card claiming that I would lower my rate. I told her that I was on a No Call and asked how she got my #. The lady said that I sounded just like Obama and asked who did I think I was and then hung up.

These people are ridiculous. They break FDCPA more than I can even count in one conversation, and have the most insane, awful attitudes I've ever encountered. I was paying them even with being unemployed, and when I called to arrange payments for later, they tried to sell me on paying the whole thing off. When I explained that I could not, they just got angrier and explained it was "for my benefit". I then was unable to make payments briefly but was still contacting them to let them know I was trying, and paying what little I could here and there.

Yesterday, I got my First Premier bank statement, and now, they want me pay $116.18 when I'm supposed to pay just $25.00 a month. I can't pay for this. My last credit limit was at $325.00, but now, they want me to pay for a total of $391.18. They are scamming me all the time. Last year, they added a finance charge of 9.90% and 19.90% on cash advances. This is so frustrating. I am disabled and had a stroke twice. I can't talk very well and I already lost everything. Yet, they continue to do this to me. Please help me with this issue. Thank you.

Since I've opened this account two months ago, I was given a credit limit of $250. My initial credit after all the charges were deducted from this account was only $71. I made a few purchases and when I checked my balance a few days later, I was seeing a charge of $2 that I was overdrawn but that my credit limit had somehow dropped from $250 to $200. I then went and made a payment online for $50, of which they charged me $7 to make and then called them and confronted them about the over limit amount. It took me almost an hour and a half to get the point across that the reason for the over limit was due to their changing the limit amount.

This company is one of the worst companies in the banking industry. Not only are they charging $39 overlimit fees and $39 late fees, they charge you over $200 to get a $300 credit limit. Then they make it sound like they're doing you a favor by making your credit history better! They're not. It's an unsecured credit card run by unsecured banking executives reaping the rewards of those of us whose credit were impacted by the current economic situation or by other situations beyond our control. These are the bottom feeders of the industry and should have fines assessed their company in the same amount they charge their customers.

I have been out of work for 2 years now, constantly have been looking for a job and was receiving unemployment. Prior to all of this happening, I paid my credit card with this company and everything else, actually usually more than the minimum. When my unemployment ended, that left everything on my husband to pay; needless to say, we are stretched! I received a call that started out okay. Then she went through the usual spill that my card was past due. I let her finish and explained that I am not working and I am not receiving unemployment. She then asked if I was working and when my husband gets paid. I replied with, "Yes he is working." She then asked if he could pay and I told her no, he is taking care of enough. This is when the call took an interesting turn.

I received a number of calls from this company stating that my card is over the limit on my next statement that hasn't reached me as yet. My next bill is not due until the end of the month. The representative told me that my account is in collections even though the account is paid promptly each month. The credit card in question has a $400 limit; however, each month the credit card company approves charges in access of that $400 limit. I don't see why I should be penalized for the actions of this company. The company threatens to put me into collections and report this to the credit bureaus, which is unfair to me since this account is always paid on time.

This company should not be allowed to operate. The fees charged are exorbitant. It is a rip off scam for people with less than perfect credit and charge for every little thing, even paying your bill! I have been ripped off for fees over $200 and they are rude to their customers!

Yes, I just got a credit card that I applied for. When I got it, they gave me a credit of $300.00 and charged me $179.00 initial fee, leaving me $121.00 credit. How do I get out of this?

I was issued with a credit card by First Premier Bank, but I came to realize that the charges are too high and they are not fairly applied. They charged me $172 which they claimed to be initial fee, following that another $29 account setting and other charges such as making payments online or by phone. There were so many charges which leaves the consumer with the burden of paying the debt. I am concerned because I was trying to build my credit but having a credit with charges over the credit line does not help. It's ripping money off from the consumers. I talked to the representative but they said I have to pay off since I have the card.

Many web sites are dedicated to this institution providing poor customer service and excessive fines. To validate this, all one has to do is google First Premier Bank and visit the sites of individuals providing reviews about service. I have dealt with this company for a month and have suffered rude, short, and painfully ill rapport with customer service from this "bank". The issue that truly needs to be addressed is the excessive poorly represented fees attached to my account and additionally excessive fees for what would be standard account service. The most ludicrous fees are the program fee, account set up fee, and participation fee. Overall activation of the account was in excess of $170 in fees that are not normal credit charges.

I did not read the fine print when applying for this First Premier Bank card. The credit card they offer comes with upfront fees of about $180. There is also an Online Banking Fee, annual fee, and a "program fee" or something. Basically, it's a rip off card. I have bad credit, but I'm not about to pay some random bank just to raise it by a few points. How to get out of it: Call and say that someone had opened the account without your knowledge. The lady was very friendly and promptly closed the account and I did not end up paying anything.

This card really sucks. I get the bill; pay all the fees associated with this subprime card. Fees are outrageous. I was charged $95 program fee, $29 account set up fee, $7 twice for monthly service charge, $48 annual fee, $7 to make payment using their website and $3.95 to access the account online. I gave them almost $300 only to be told that since I used their website to make the payment that they were holding the funds for 7 days. I did not find this out until today when I called to check the available credit on the card.

This card is horrible. The fees are so high that I never got to use it except for $75. I am out of work and tried to cancel. Now my balance is $468.27. I received a letter dated 8/19/2009 stating I could settle by paying 60% of balance, still close to $300. I cannot afford that either. What a way to take advantage of people already struggling. The $75 actual charged amount was paid, the rest are fees. This should be a crime in itself.

I had applied online for a credit card (MasterCard). I received one from First Premier about 2 weeks later. So I used it before I received the bill that was over $100 in fees, etc. I thought that since I used it, I had accepted it. However, when I went to make my payment on their site, I was charged for that too. This bank is a disgrace, and they should be put out of business.

On October 9, 2009, I called to report a stolen credit card. The woman took my information and told me a new card would be issued with a new account number, etc. Under the circumstances, I think the best thing to do is completely ditch the card, pay what I owe, but completely and permanently close the account. I told her this and she forwarded me to an "account specialist" who calls himself DJ and refuses to disclose his last name. I explained to DJ that since the card has been stolen, I want to cancel altogether and I asked him to refrain from sending a new card. I said, "I'll pay my balance owed, but just get rid of the card. I'm done with it."

I have been fighting this for a while now, and they just keep going at it with me. I want this off my report and they say I have a card. I got a card from them but canceled right away since the fees are outrageous. The card says $300 is on it but when you call to get it activated, you are left with $25 since the fees are so high. So they got a call and the card was sent back without use and no activation on the card. I just happened to listen to the machine when on the phone with them, so please help me take this off my account. Thank you. They have a lot of people angry at them for this since they like to screw people.