Premier Bankcard Reviews

I received on 10.1.09 a First Premier Gold Visa Card in one envelope and a statement in another envelope. The invoice was for $179.00. I did not apply for this card and have never heard of First Premier Bank. I called Premier Bank and asked them why they would send me a card that I did not apply for. They would not talk to me, but they said that they would call the credit bureaus and also cancel the card. They said that I had applied for the card and this is why I received it. Now I have very bad credit and am unemployed at this time. First, why would I apply for a card. Second, why would they send me one if I applied for one. I do believe this is a scam and really do not know what they have advised the credit bureaus.

We had a payment that we made a little over a month ago that we had made with one of their managers. She asked me to pay 3 times the amount needed since they had some issues with their computers and they will return my fees as soon as the payment gets processed. I had given them the card numbers and was waiting on the computer to see it show up on our bank statement. It showed up, and we figured everything was fine. The next month, we were told that we had missed a payment and that a report had been sent in to the credit bureau. We were told that we missed this payment even though we have since sent in documentation 3 times showing that there was payment on that day, which was not returned; that had a delay until the next day (something they said was unique); and that they had made no mistake.

I'd like to share my experience with you. Hopefully, it will help some people. Unfortunately, I think we all found out about this site a little too late and that's the reason we are here, but for those who currently have trouble with Premier Bank or who are thinking about getting credit from them, please read:

I applied for a credit card through this company in order to re-establish my credit. When I received the card, there was already over $100 worth of charges on the card due to service fees. None of this was explained to me when I applied for the card. Shortly after I received the card, I received notice from my employer that we were to go on mandatory furlough leave, which made it impossible to pay off the large balance until September.

I got this card in the mail thinking everything was right. Not so. I tried to activate this thing and couldn't do it. I called them, they said the card was activated and go spend. Ha ha, no way. I guess I will have to pay all the fees in order to stop the bad credit report. Hurry, someone stop these people. It's a scam. I have to pay the charges and I haven't even used this card. Don't plan on it either.

First Premier is a rip-off. This company sucks. They charged me off and never even told me, so I can make a payment before that would happen. They ruined my credit for seven years. Don't anyone get a First Premier card. It isn't worth it. They suck! They will get you in the end. Don't fall for their stupid card. Take it up their ** is what they need to do.

I was offered a CC with a $3000 limit. I have CCs w/ $15,000 limits and when the CC arrived, I received a $300 limit and they wanted a $199 activation fee and so and so on. However, when I told my stepdaughter to make her phone payment w/ T-Mobile, she used this card. I just spoke to Luke ** and we settled for the amount of $78.87, the amount that was owed on the card. I stated to Luke (who would not give me a last name, only the #) that my checking account would not be charged any more than that. We will see, huh? This company is a rip off and should be closed down! I cannot express this enough!

Anyone thinking about getting this credit card, don't do it! They are definitely scammers and all they care about is taking your money. I am a 24-year old college student with no credit and no money. I applied for this credit card about a year ago and since then, they call me six to twelve times a day harassing me, telling me I am late on payments, which I wasn't. I send money orders at the same time every month and they claim that it's always late. I don't care where they are located. I send them payments three weeks in advance and that's more than enough time to get there.

I have two cards from this company. The fees suck, but what can I say? So did my credit, so I was lucky to have a card at all. I screwed it up once and was late on the payment, and learned my lesson. I will never do that again. All in all, it's a great card. If you want one with no fees, then don't have a crappy credit.

While I realized that this bank charges many fees for just about anything and everything, we have been very diligent in paying everything off each month and on time. They just don't make it easy for anyone to do this. Paying online, the payment confirmation states "This payment will be deducted from this bank account on or after the date selected." It took over 48 hours. Of course, then late charges were able to be assessed. I called every day to make sure the payment was in fact credited and begged them not to hit us with a late fee. I just tried to schedule a payment for the full balance, which I can see online, but I haven't received the statement yet. I wanted to schedule it for a couple weeks from now and two weeks before the due date so I wouldn't have to worry about late fees.

My ex-husband and I were married on 6/21/93 in Georgia. He left me on 12/27/03 in SC. He married me when I was on SSI and when I was 100% disabled. After I informed Social Security that I was getting married, they cut off my income. After that, Monroe ** has taken care of me. Mr. ** receive retirement from VA and disable retirement and was working and receiving social security. At the time we were married, I did not receive any income and he was my sole source of income. Now, after we were divorced since 1/13/2006, my credit is all messed up. People sent credit card in ** name. I have called them to stop and they keep on sending them. I have outstanding Tricare medical bill that he has not paid, credit card bill that I did not charge. Help! Consequences: poor credit and he is still on my credit report, and more company has contacted me.

I used my credit card to rent a car. I paid the security on the card then paid the actual rental in cash. When I returned the car to the rental company, they returned $9.25 more than was originally ran on the credit card. I called approx. 4 days later to see if the credit had been applied to the account. The recorded message said the account had been suspended. I finally got a hold of someone in customer service. They told me that my account had been flagged for fraud and was suspended until the car rental company sent them the receipts that I actually paid the amount that was returned to my card. I never received a call, nor letter stating there was a problem with my account and had I not called to find out about the credit, I wouldn't have had any idea until I tried to use my card. They have received the required fax and now tell me that it has to go through their theft department in order to reactivate my card. The woman I talked to even told me that it's because I would likely have a friend working at that company and repeated charges would eventually add up to a lot of money. This was one return.

This bank offered me a credit card. I accepted the credit card and I also provided them with my checking account information. They took $300 out of my account and charged me for spending my own money. This company has ripped me off and has also reported to my credit report that I owe them $474.00 for spending about a $100.00 that they took from my checking account. I don’t think that their policies and business procedures are fair to consumers. This company has taken hard-earned money away from my family and I. They have charged me for money that I have earned and then caused a negative affect on my credit report. If someone can please contact me and offer me a solution to my problem, I would greatly appreciate it.

As one of many persons living in the United States today, I had to file for bankruptcy. In trying to reestablish my credit and my life, I applied for and received a Platinum First Premier Bank credit card with a limit of $450. Fair enough, I thought until I was assessed fees for paying over the phone, increasing my credit limit, Internet usage, etc. Since when does a credit card company charge you to increase your credit limit and look up account balances on the net? I would appreciate any feedback you could provide on these practices. Thank you.

I had good credit like 850. Then, I was defrauded and "owned houses with mortgages in default." I looked for a "low cost" card to reestablish credit. I paid the $179 and used the card a bit. I got no statement and I am "suspended," which I do not care about in public, but do care about in reporting agencies. I am filing a lawsuit against First Premiere next week. Customer service is non-existent. Hell, you cannot even get a real person!

I got this card about a year ago. I decided to do it because my credit was bad and it was a good way to get back into a good standing. I paid the entire balance right away. Last month, I was sick for a week and off work with no pay because I don't have sick time yet. Anyway, I got backed up and the card went late. They have been calling me and harassing me at least 10 times a day, including multiple times at work! It isn't even over the limit but they insist that I need to pay it in full. Why? It isn't over. It was late but I have full intentions to pay it this month. They wanted me to pro-date a check to pay for it and then charge me $12 to do it over the phone. This company is ridiculous. I am paying it off and cancelling it.

This is the absolute worst credit card to have and customer service reps to deal with. I paid my bill in its entirety each month and on time, making me a good customer. I was contacted by a company offering me a $100 gift card for being such a great customer and all I needed to do was enroll in an auto rewards program. I repeated many times I was not interested as I do not have a car nor do I drive. Still, they insisted. Of course, the paperwork arrived. The gift card was a scam and I had to cancel the program immediately. I was still charged amounts varying from $14.99 to $19.99 for several months after.

I do not have a credit card with this bank, yet I continue to get harassing calls from them. After the first call, I thought I had corrected their screw-up. They had someone else’s name and my phone number. I was assured it was corrected and yet I am still getting calls to call back immediately to 866 949 5200. What can I do to stop these idiots from harassing? I find them frightful and psychologically annoying. What is next with these people? There are numerous complaints on the web regarding Premier.

Yesterday, in the mail, my 21-year old son received an offer for a Platinum MasterCard from First Premier Bank. The offer was a credit limit of $700.00 of which they immediately charge an annual fee of $175.00, leaving available credit of $525. The percentage rate is 23.9% with a list of fees they will add at the drop of a hat. The most interesting fee was a Credit Limit Increase Fee in the amount of 50% of the amount of the credit limit increase.

I received an unsolicited credit card in the mail from First Premier Bank. I read their ridiculous terms and cut their card up. Later, I discovered that they had kept the account open, even though I never requested this account and had called them to decline their invitation to accept their card. The account is now in collections and I refuse to pay it. I don't care what happens to my credit report regarding this company. They are the worst scam operating in the credit card industry. I hope that enough of us will complain so that some authority/congress will force them to cease their illegal activity and outrageous credit crime practices. This has resulted to a poor credit rating. Account shows as negative on the report twice because they sold the account to a credit collection agency and I refuse to pay either one of them a dime.

I got a card from these people. I made my first payment, then came my second payment. I sent them 25 dollars. Not only did they get my payment early, they took out two hundred and twenty-five dollars. I have called these people, and written these people. I always make my payments on time. Please help me get what is mine. I'm on disability and can't see how they can just go in my own banking account and take what they want. I hope you can help, thank you.

I am complaining about a phone call I received last night in regards to my credit card being over the limit. The man said I was to pay the difference then. I said I will not pay it over the phone. When I receive this month's statement, I will make sure it is paid up to my limit. He kept arguing with me saying it had to be paid and he wanted a date. I said when I receive my statement, I will pay it. I also explained that if I went over my credit, the card should have been declined, not approved when I used it. I also said I have never received a call like this before because usually if you are over the limit, you people are getting the interest. I could understand if I did not pay a bill, then you call looking for the money but when I haven't even received a bill which would be August's because I did pay July's, it is harassment! If I do receive another call about this, I will bring your company up on harassment charges.

Preface (a bit of recent history):

I received an email from First Premier Bank for a credit card offer. This bank preys on people with less-than-perfect credit. Their website says that you will receive at least a $250.00 credit limit. Adding up all the fees, and there are many (Program Fee = $95.00, Account Setup Fee = $29.00, Annual Fee = $48.00, Monthly Service Fee = $7.00 per month or $84.00 per year, Internet Fee = $ 3.95, and Account Maintenance = $3.00), you have $262.95! This, before any purchase is made.

I have got two different credit cards with same number from this bank when I have never even applied for this card. I do not understand who gave my address to them. And what should I do if I don't need this card? Will I be charged for anything? Please let me know.

I ask that they do not call my work, and they continue to do so. These calls could get me fired!

The month of May, believing the card was paid off as I had done so and not used the card since started receiving collection calls. I asked what amount, $12.00 was my balance. The people calling were quite firm that it must have a payment promise for it. I received approximately 3 calls a day for the first week and a half. Finally, approaching payday, I advised the representative I would call back the coming Thursday. They still pressed. I laughed and finally got someone that saw how silly Premier was being over 12 dollars w/ a customer that has been w/ them for years. So, I did as promised (after receiving 2 more calls) and made the payment.

I opened a credit card account with First Premier with the understanding that the fees were exorbitant. My intention was to use the account to build up my credit and use the card very prudently. I made the company aware of this fact and paid the $138 initial fees upfront. I paid 6 months of monthly fees in advance and did not use the card. When I started using the card, I paid most balances in full in advance of the due date.

I have bad credit and signed up for the card to improve it. I was aware of all the charges and was not surprised when the first month's statement was over $240. I did pay it a few days late but paid it in full. As soon as they got payment, they cut off my credit line. They stated that with the $25 late fee, I went over my limit. A week later, I got a bill for $169! What? $25 late fee turns into $169! They say it is interest on the fees. I thought they were not allowed to charge interest on fees. They made my bad credit worse!

Thinking it would be wise for my wife of just over a year to establish credit following her bankruptcy and divorce earlier, I asked her to sign the application for a Centennial credit card. I received the first statement with the following charges: program fee $95; account set-fee $29; monthly servicing fee $7; annual fee $48, for a total of $179 at 19.90%. Remaining available credit is $171. The card is active. There was no need to call. Shall we pay the balance in full and cancel?

I too received a credit card with a limit of $250 and had about $49 to charge with. it was hard paying that back. I had the credit card lapse, and they put me in collections for the money they had charged up prior to me even touching it. Now, I have bad credit report and have over $700 in fees I had to pay out. It's still on my report.

I have had Premier Bank Card for over four years now. All of a sudden, they have been harassing me over the phone. They have called three times so far telling me that my account is over the limit. My bill is not due until June 29, 2009. My payment is $66. I pay my bill every month regularly. This is the first time I have ever been harassed by them. They are expecting a payment before the due date. I find this practice illegal and unfair to me. I am a 60% disabled Veteran of the Armed Forces of the United States of America. I have to keep on going to the phone to answer a nonsense call. They are very rude and I know my rights.

If you have applied for a First Premier Bank credit card and decided to cancel the application process, you need to call them directly. You must do so within 48 hours after your application is accepted. It is difficult to get a live customer service rep, so you need to go through the automated system and select the option to "make a payment." At this time, it will ask you to enter your credit card number. Do not enter anything at this time. It will then ask you to enter your Social Security number and direct you to a customer service rep. I told the woman that I wanted to cancel my application and she told me I will receive confirmation in the mail in seven to ten days. Please note that the First Premier Bank customer service number is useless. It is strictly an automated system.

I got my card with a 250 credit limit and approximately $178 in charges. I made all of my payments each month and had requested a credit increase. They charged me (but didn't tell me) for the increase causing me to go over my limit and charge me fees and filed on my credit report. They never did increase my limit.

I got this credit card and I didn't know all these fees were legal until now. They took much of credit available from $250 and I only had $71 to used. They scammed me on late fees but return it back to account. This is a very bad company. I wish I knew about this scam. I asked them to waive the fees and they refused to. It caused me hardship of using the card. I only had 71 bucks to use on the card and took too long to build up to the credit of $250.

After the initial fees, I have no complaints. This is more of a note to those who do or for those thinking on accepting the card. When I got the card, I knew the initial cost would be high with all the fees. I simply accepted the card when I knew I could pay the fee balance at the same time (yes, my credit is shot due to my own younger mistakes, so I'll take what I can get). So when I got the card, I went online and registered it and paid the fees. Since then, I only incurred a $7 online payment fee and once a year, a $45 fee. If there are others, I cannot see them, highly unlikely due to the amount I pay increases my available credit equally (less the $7 fee). I do have a balance, but with a credit limit of $250, it's easy (at least for me, knock on wood) to pay double or triple the amount owed.

I have received a credit card from First Premier card that I have never applied for. After that, I got a statement from them stating that I have to pay $25.00 for first payment. Why will I pay them for the card that I never applied? They had stolen my identity to open an account. They are ridiculous. I tried to call them but it's too late for me to contact because they were only open until 9 pm. I will call them back to complain about it.

First Premier Bank allowed someone to open an account in my name first off with a different address. Now they refuse to give me the information that I need in order to press charges against the person. This is now on my credit report

Okay, big deal? Yes because I got a late fee for each of those billing cycles for $25 each time and the explanation was if I had waited a few days then it would have been considered on time. I got them to remove one of the fees but you bet they did not remove them all. I have not reached back how long this has been going on.

I applied for a First Premier Bank credit card. I did not understand or read about all the hidden fees they have. $179 fee plus $29 for interested fees. I used the credit card a couple times, paid off what I owed and cancelled the credit card. And now they are still charging me for the $256. They call all the time with unknown numbers and they don't leave messages. I spoke to a lady on 6/9/09. She offered to have me make two payments of $50 and then after that $25 and they would lower it to half $160. Is this legal to do to people? Don't ever apply for one of their credit cards. It's a rip off. I got laid off work and they think just because they have a job and money everyone else does and has it made like them.

I kept receiving emails on this credit card, in which I did just pay on off from this lender in Feb of ’09. The credit limit was $375, so I decide to see what they would offer me this time around, I get a response from online saying information will be mailed to me. I was approved, no amount mentioned. It comes today a measly $250.71 available after all their fees and it is already active. I did not give approval to activate. I am so [upset], no way to get a hold of them, and I did not approve of their deal so I will not pay a cent for they already activated card. This messes up my credit record and gives me a bill I never agreed to.

I have had two MasterCards from First Premier Bank, one at $250.00 limit and another at a $300.00 limit, and each month have made timely and above the amount due payments. Several months always pay off in same month. Within the past 4 months, I have been attempting to make my payments online at mypremiercreditcard.com, which is the site in which is printed on their statements. Within the 4 month period, the website does not direct you to the correct website and when I call to speak with customer service, they tell you that their office is closed even during the 8-5 pm time frames.

I have been having problems with this company from the start of my credit with them. I got behind and they charged me for this and that--over the limit amount, late charges, etc. They just raised the interest rate to 29.9%. They don't want me paying this off. I am on a fixed income from SSI and I can't make my payments if they keep raising the interests rates on me.

This is a bank that when I signed up said first off, that it was under First Premier. Then when I signed up for their card, Silver, I think it was, it transferred me over to the company running the Silver cards - Plains Commerce. The credit card claimed it would help me with my bad credit and actively try to rebuild my credit with me by sending me tons of updates, notices, tips and whatnot.

A friend received a notice on an application he does not recall making to First Premier Bank for a credit card. They stated that due to Experian credit check showing no history, etc., they were modifying their terms. Terms are: $29 application fee; Acceptance Fee: $143; Monthly Servicing Fee: $84 payable at $7 per month; Annual Fee -0- for the first year, $49 per year thereafter. The guy who got this is inexperienced and could have fallen for this had I not advised him about this scam-like practice.

I filled out an online application for a credit card. I have not really ever done this (and I should have researched the bank). I have no problems with credit. I was approved for the credit card (they do not tell you how much your credit line is for). Then, I received the credit card in the mail and the first bill for 179 dollars and the total credit limit on the card is 300 dollars. This is really shameful. Someone who really needs this, I guess, would pay 179 dollars and then have a 300 dollar credit line. Is this legal? The actual interest rate in this situation is far above 100% when considering that if you use the card, you also pay 19%. This is really shameful. When I placed a call to the company, the system is 100% automated. There are no humans. How would an innocent person refuse this card? Can someone get back to me on this? I need to know what has been done so far on this.

This is a fraud. They offer credit for the sum of their fees and a couple of bucks more. A $250 credit line is eaten up by $224 of fees that keep on charging you forever. The effective interest rate is over 200% when the 'fees' are included. Stay away from these frauds!

They have bad terms, but I agreed to them without doing my homework. I cancelled the card after approx. 3-4 months, and I have every intention to pay them. I was late on a payment and started getting up to 8 calls per day. I am out of town, and my wife has answered them 6 times today. Times are 8:58am, 11:35am, 1:15pm, 5:10pm, 6:35pm (missed call), and 6:40pm. She told them that I would be in Monday and that she had told them this the day before. They said they could not stop calling because it was an auto-dialer. When she stated that she would call the NC Atty. General's office, the woman calling said, "Your state laws do not apply since this is an auto-dialer." If that is the case, can I get an auto-dialer and dial them repeatedly? The calls were coming in on a phone I had left my business lines on for my wife to answer. She said she missed a few calls trying to answer these pests.

I received a card with a 250 dollar limit and before I received the card itself, I received a bill showing I had 71 dollars of available credit. I should not have but I used the card, and I do not know what to do.

I was promised a card that was going to help me get my credit straightened out and improve my credit score. Instead, I was sent a card that immediately had charges from their bank on it. When I used it for myself, I went over the limit and was charged additional fees for that. On top of that I have a monthly fee on it. There are so many fees that when I make my payment, I am actually paying them more for the card fee than my own actual debts. They are not helping me or anyone else to "get back on track" as they state. I am honestly trying to make a difference and pay off my debts and they have preyed upon me and countless others.

I received a preapproved card application - called in and was approved. When I received the card, I found out that out of the $500 credit limit, $125 was for fees. There is a monthly servicing fee of $11. In addition to the inability to pay online - they charge $7; I'm unable to speak with a human. Their phone is automated. None of this was told to me on the phone when I accepted the card. It's a good lesson learned for me - I should have reviewed the online reviews prior to accepting.

I can truly say that the complaints against First Premier are true. If you are a consumer and writing in praise of the company, you were cited by the company to do this and you should be ashamed. You will see this again - that is being a false witness. The Bible warns against false witnessing.

First Premier Bank issued a credit card in my name with the following purchases: $95 program fee, $29 account set up fee, $7 monthly servicing fee, and the following debits: $48 annual fee, $1.59 premier credit protection at .890 per $100. They have threatened to contact the credit bureaus to file a derogatory report if payment is not made.

I usually pay my bills on time and I had just gotten the mail from the mailman. Shortly after, I received a call from First Premier Bank letting me know that they had sent my account to in-house collections for exceeding my credit limit. I never went over my limit from the statements they sent me. When I tried explaining to them that I do not agree with them, they said that the reason why it was over my credit limit is because the fact that the annual fee is coming up and that was for $48 which wasn't on my statement. So why should I be penalized for going over my credit limit when I didn't?

I actually have two First Premier Bank credit cards. I had horrible credit and couldn't get anyone to give me any kind of credit card that wasn't prepaid. I started searching online for "credit cards for bad credit" and found a page with the 10 best credit cards for people with not so good credit. I applied for the First Premier Bank card and was approved. I read all the terms and didn't mind at all that half the balance was already used in fees because I wouldn't have been able to get a credit card otherwise unless I paid a deposit of 100% of the credit limit first (which I couldn't afford). I've had that card for about a year now and they sent me a second in the mail with a higher credit limit, which I have been using as well.

I was trying to improve my credit, so I applied for a First Premier credit card. I was given a $200 credit limit, but had to pay $150 just to start. In the agreement I signed, it said after 6 months of on time payments and not going over my limit, I could apply for a credit increase with a $25 fee, of course. After 7 months of on time payments and never going over my limit, I have been denied twice for the credit increase. In those 7 months, I have paid a 7-dollar a month fee just for having the card and 11 dollars a month to pay over the phone. So, in total, I have given them $276 just to have this card. When exactly am I going to get my monies worth if even they won't give me a credit increase? When I called to ask about this, they said it would help if I paid off the card and had a zero balance, but I would still have to pay the $18 a month to have the card. At what point are they just taking advantage of people who are just trying to increase their credit score? It honestly feels like they are just taking my money and not doing anything for me. I would never recommend anyone get a First Premier credit card.

Same as everyone above, I have a 720 credit score and received $250 as a credit limit and fees of $179 as soon as I got the card. I have called to report it stolen/lost and then tried to cancel it. They then told me because they activated it, they could knock off $80.00. I told them this is a scam and I'm going to report them. The guy "David" kept going on and on.

I had applied for their credit card. Being disabled, I wanted to start building some credit. I guess I did not look at it close enough. They gave me a $250 credit limit, but took over half in start up fees. Anyway, I used the card for a while; then fees and charges started showing up. I called but couldn't get the right answers. They charged me for stuff in the rewards program I never got. I kept sending payments but the balance never went down. It just went up, so why should I send payments until someone helps me straighten this out?

I had the card for 3 years... never late, always paid more than min balance. I recently ran into hard times. I called them finally because they said they wanted to work out a plan. So, I called... worked out a plan... Now, I just recently checked my credit report and discovered that they closed my account. Ok, nowhere in my conversation with the young lady did she mention that my account had been closed... Now, personally I think that is ** way of doing business. I have paid them accordingly, above the min and for 3 months I run into financial difficulty the only time in those 3 years and they close my account and don't even tell me. Can they do that?

I was told a number of times that I would be able to have access to my credit card on the 15th of Feb but I tried accessing my account after already waiting almost a month and still can't use my credit card! I am broke right now and need to use that card to pay bills.

I closed my account out on January 15th. I had a Zero balance. First Premier then deducted $20.00 from my checking account on 2/1. When I called to address the matter, I was told the money would be electronically refunded in 2-3 business days. I called after a week of no refund. I was then told that the money was being mailed to me in a check form in 30-60 days.

My credit card info was breached by Verizon Wireless and charges totaling $300.00 were put on my CC. They want to take 90 days to return the funds to my card...

My boyfriend had an account. He asked for an increase in in his limit and they sent him another card, with more fees. They called 5 times a day to collect the service fee, per card. I told him to pay it off and close the cards. We did. We had used the card to place a deposit on the hotel and had closed the card after. Treasure Island refunded the entire stay back to this closed card and First Premiere Bank refuses to give us the refund. They have around $500 of our money and they refuse to give it back. The service fees are fraudulent and the policy of the bank is criminal. Please avoid these people.

I applied for a credit card through First Premier Bank and didn't realize all of the hidden fees. I used the card once or twice then I paid the balance then closed the account. They are still are charging me $347.00, even though the account has been closed for 2 years. Bad strikes on my credit score.

I was new to the country when I got suckered into this credit card. The card has a bunch of fees on it when you get it. I made a mistake of paying one of my bills on it (in hard economic times) and I am still paying for it. I forgot to make a payment one time and I remembered on the day it was due and they wanted to charge me 11 bucks for making a payment over the phone on top of my payment. I was charged 7 bucks extra for paying online. Jeez; fees with everything. Who charges its customers for making a payment for giving them money. I am transferring the balance as soon as my payment posts and then closing this ** stupid ** up card! PLEASE EVERYONE BEWARE AND DO NOT GET A CARD FROM THEM.

Back during the spring of 2008, I received a spam email from First Premier Bank saying that I was preapproved for a credit card. I signed up for the card and had a $300 credit limit; however, after I received the card, I only had a credit limit of $75 due to numerous fees. I used the card a few times and then forgot about it. In the summer of 2008, I was diagnosed with schizophrenia and mixed bipolar disorder and was forced to file for social security disability. I tried multiple times to explain to First Premier that I was unemployed and disabled and that I had signed up for social security. Every day my phone would ring an average of 15 times from calls by First Premier.

I received 2 preapproved platinum MasterCards from this bank in 2 consecutive days. I did not request these cards. The name is already on the card and the first name on each card is spelled incorrectly. Each card has a different MasterCard number on it. When I called to OPT-OUT, the service had my address listed as ** LAKE St. vs. ** LUKE. They wanted my Social Security Number & I could proceed w/ the OPT-OUT process. I did not give out my SSN.

I got this card offered by mail and I think this company needs putting out of business due to the following: (1) credit limit - $250.00; (2) program fee - $90.00; (3) account set up fee - $29.00; (4) annual fee - $48.00; (5) monthly servicing fee - $7.00; (6) available credit on first statement - $71.00; (7) optional additional card fee - $20.00; and (8) available credit on card left - $51.00. As you can see, this is a rip-off. I wish I could sue them for $100 million dollars to put them in their place.

Okay so now I am back and writing AGAIN about yet another FUN (not) experience with these scamming **. So I stupidly set up arrangements AGAIN (last time in March, when I got screwed) this time in July. I was told I could make 6 payments of $79.00 and some change and that then my balance would be completely paid and I could then close my account. I asked this woman three times "Are you sure this is the full amount, this is ALL that I have to pay?" (I asked many times because the last liar that I set up arrangements with said the same thing) she said "yes, and then the last payment clears I will issue a credit for the remaining $75.00 and close your account."

I received an application for a credit card from First Premiere Bank to help repair my credit score. Upon receiving this card, There was a limit of $300. I was also charged a total of $179 for setup fees and other expenses that the company said was required for me to get the card. These charges were hidden fees and were not stated by the person that I talked to. The company misrepresented themselves and in return, I got burnt in the Deal. They continued to add charges after I cancelled my card. This is in violation of consumer rights. This company had to pay 4.5 million dollars to the State of New York in damages resulting in charging illegal fees. Now the account has been forwarded to a collection agency that harasses me on a daily basis. Is there anyone that help represent me in filing a civil suit against First Premiere Bank and First Revenue Assurance Collection Agency? Please contact me.

I had received a phone call in regards to my account being past due. I had asked if I can make a minimum payment and I was told NO Clearly twice. I was told that I had to pay off the full balance and she offered me a $30 credit if I made the payment. I made it clear that I lost my full time job and am now a full time college student and am not making enough a week to clear that payment. Still I was told I have to pay in full. I agreed believing the representative's statement and set up the payment. The day of, had the money in my account and something else hit leaving me with insufficient funds twice.

I was approved for a credit limit of 300 dollars and there were 179 dollars worth of start up fees. That leaves me 121 dollars worth of credit available. There are also charges that continue after the first bill for set up and an additional charge for online billing. I called and cancelled the card without having to pay them any balance.

I've had the First Premier MasterCard since November 2007. I've always paid the card very diligently before the due date, I've paid off the entire balance and have overpaid and had credit. I had not used the card in about 3 mos. and last month (August) I thought I sent in the payment, but I did not realize that I hadn't.

I got a phone message. I could not understand which bank card was calling me. I returned the call and I kept getting a message asking me to enter my social security number, which of course I wasn't going to do. I finally got thru to a real person, who again asked for my social security number.

I applied for a credit card - it came in the mail today along with a separate evelope from them which enclosed a bill for $180.59. I called to explain that I did not want a credit card that required me to pay before I even used it they offered to credit me only $40, but told me I was required to pay the remainder of the bill.

i applied for a credit card with this company and was told i was approved with no further explanation. i received the card with a $300.00 limit. they billed me along with the card for $179 in initial fees. i have called their toll free number repeatedly and the customer service prompt does not allow you to speak with anyone. i have no way of cancelling the card and do not want to do business with such a company. i would never pay $179 for an initial fee. i have great credit and thought this was a reputable company.

I scheduled a payment to my credit card on September 5 for $100. On September 10 I made another payment for $100. According to my bank institution both payments were successful and they gave me the trace numbers. However, my credit card company only posted the September 10 payment for $100.

This credit card charges for payment over the phone and online payments. On thursday september 11, 2008, I received a phone call staying that since I was late for the first time in my history with them, I needed it to pay the complete balance over the phone. They were trying to force me to pay over the phone even when my payment is due on September 30th. The representative told me I had no other choice because my payment was late. I ask to speak to the manager Kim and to the representative Connie who was very demanding and told me all my rights were gone because of a first time late payment.

I lost my job and was behind on my payments by 2 months. I called and told them I would send some money but they would not accept it. I was about to have my home foreclosed on and I was having trouble to pay my utilities. My phone was cut off so they could not reach me. I did receive a call from Breann telling me that I had until 3pm Central time (4pm EST) on 8-31 to call them or my account would be charged off on my credit.

I applied on line for a low intrest credit card I did not see it was a credit card at the cost of $179 for $300 credit before the outrageous fee. IT only said see in 60 seconds if you qualify. Is there a law that protects me to return within 3 days to cancel contract? the card comes pre activated already. I have signed nothing and not used the card I just got the card with details yesterday (August 29, 2008)

I recieved in the mail today a credit card. I did NOT apply for this credit card and it was/is NOT only an offer. It states on it that this card is fully activated and I will recieve a bill in 7-10 days to make my minimum payment (of $25) against the $179 in fees that have already been charged on it. Someone told me that my bank must have sold them my information. I'm not sure how valid this is, but no matter how they got it, to send out an already activated credit card to a person who didn't not apply for it is wrong.

I went on line just to check out things.trying to see what my credit report was, First Premier Bank came up. Iwanted to see if anything would happen. when 250.00 came up Itried to delete my name, then alive person came up and she asked me to wait a moment that she would reduce the interst rate.

They take advantage of people with low credit scores and people with new credit. They are criminals, why does the government allow banks and credit card companies to take advantage of the uninformed or uneducated consumers. It's wrong and they all know it. The damage is they are making it almost impossible to pay them on time, with all the extra fees associated with the account. The credit line is only $250, however they find a way to get more and more money from me by attached all kinds of fees.

I had their Centenniel Card which was paid and maintained for nearly a year. Then the bank sent me a second "Gold" card. In June, 2008, I contacted the bank because there was a $50 phoned in payment by the bank to my checking account. I told them I had not authorized this and that the representative who called the week before had done this because he was angry that I was not making the payment when HE demanded. I guess he decided he would put it through anyway at any amount that didn't make it a felony.

First Premier locks you out of your payment options online and then charges you for being late. They take about half of the credit line in fees when you get the card so DON'T get one. I have been a customer for about 8 months and will never be one again. They have sent me another card with the same limit and are still taking half of the credit line to open the credit line even after "You have been a great customer" yeah paying all the excess fees. To get a mailing address to pay a bill if you happen to lose it is almost impossible. I emailed them and it took them 3 days to respond. They want to charge you when you pay over the phone, lets face TiMes are Tight right now, 10 dollars for a phone call is just right! I have already cut it up!

First Premier bank has reported 3 different things to my credit bureaus which has had a negative effect on 2 of them. In trying to contact them they do not have a valid e-mail address that you can use anywhere. I am currently in Kosovo in support of the US Army and do not have access to a phone, therefore I cannot contact them to have this resolved...

i have never been late and have actually had the card paid off. i didn't spend over my limit they charged me over my limit with there fees and i have to sit here and put up with harrasing phone calls at all hours of the day. then i pay what they say i need to pay to get the account at limit then there monthly fee kicks in and the bill isn't due yet but they start harrassing me for a payment again # WEEKS BEFORE THE BILL IS DUE

I applied for a credit card to try and re-establish my creit, when the card came it only had a 300.00 limit and the next day I recieved a bill for 179.00 and I have not even activeated the card!

I wanted a credit card I was just turned down by my own bank with a credit score of 657. I made a bad choice with First premier credit. The fact is the card comes in the mail all ready activeate! HOW IS THAT LEGAL do you realize if someone got into your mail box and KNEW that first premier did that that they could use it and steal your personal ID.

I just came back to a bill form these folks saying I owed them $202.13 for a visa card they say I opened.. I never talked to anyone there except to try and get this cleared up today 7/30/08. I'm sorry I gave them my social but didn't want to get reported to the credit bureau. They are checking into the charges and reported this as fraud and are going to send me an affidavit to sign..

I had a terrible experience with this bank several years ago which is still hanging over my head. When I opened an account with them it was just for online purposes, etc. I was a single mom, & on a strict budget. Anyway, I had used the card while paying to use it just a few times, before I discovered that their business tactics was uncomfortably wrong. I was being double charged & not using the card. I tried to cancel, & was charged for not using it. And they flat out wouldn't let me cancel. They kept adding late charges on a fee of $25.00 for the card~ that I tried to cancel. I had a zero balance at the time while they neglected my cancellation request & instead charged me $25.00.

Someone called me claiming to be a representative of Premier Bank Debt. Consolidation service. They told me I had a great credit rating and they were sure they could get all of my credit card interest rates reduced and save me thousands of dollars. All it would cost me would be $399.00. They kept me on the phone for over an hour and had me speak to another person as well to assure they were legitament.

I told them I wanted to cancel the card and then spoke to another person who said just make a payment of $56.00 anh that would pit the account in good standing. Let me just say this. I applied for this card because I finally got my credit from the past cleaned up after 7 years and thought this would be a terrific opportunity to have a fresh start, and now here I am all over again getting a bad credit rating because I was takin advantage of by this so called company. I hope somebody can hold them resposible for ruining peoples lives in such a terrible time in our economy. They are predators. Please help the little people. Thanks

I received an e-mail that I received a MasterCard With a $300 limit and a balance of $172.00. My payment is $25. My problem is that I never applied for the card nor have I received a card. I cannot get a hold of anyone at the company to explain the problem and resolve it. What can I do to stop this?

Like countless others, got this card to re-establish my credit. Besides the huge fees on the first statement, this bank charges a $6 Monthly Servicing Fee. I have ZERO balance on my card and I still being charged this monthly servicing fee? How could this be?

I took out a credit card to establish my credit (I was 21 at the time and took whatever I could get) and was immediately charged $172 in fees. I called and tried to get them taken down, and they took away $50 in fees. I also tried to cancel the card, and the woman would not let me. Flat out would not let me, saying I had to pay the fees first and that if I kept the card I would be offered all different kinds of protection and was very aggressive and rude.

ok, i was called by a cumstomer service rep wanting me to pay the full balance being it was late...told him i could not do that, so i payed 31.00 which 11 of that was a fee for paying over the phone, and then signed up for another payment of 111.00 which 11 of that payment was also a fee, this was the same phone call mind you, so they take the first payment which 25 was applied to my account,

I had a problem paying my two bills with my credit card account in June of 2008. I was short on money and I waited until the due date to pay. I was charged $11.00 to pay by phone just before the due dates. I thought that was wrong, but I paid $60.00 on both cards where the minimum was only $20.00 for each individual card. I usually pay on one check in the amount of $40.00 for both. I was intending to pay $20.00 more when I called the agent. I made it very clear my intentions to pay for both cards.

I applied and received a secured credit. The offer declared that with the First Premier Bank Card, a person can build up their credit without and the interest rate remains low unless the person is late in paying their bill. Though the limit on the card was $300.00, I was only allowed to charge a maximum of $75.00 until the the cost of $250.00 to obtain the card, was paid in full.

they kept adding charges for this and that, screwing people over for more money

They Sent Me the card, then billed me for 275.00. They call me every 30 to 50 minutes allday long, starting at 7;00 in the morning until 11:00 at night. I used the card once and they say I owe more than i charged.

I decided that it was time for me to get a credit card, despite warnings from friends and family members that have had bad experiences. I got an offer from First Premier, so I decided to accept it. Little did I know what I was getting myself into.

I initially contacted First Premier on June 18th 2008 to pay my bill, and talk about the account fee (48.00) that they were going to charge for the following month. I paid my bill, I wanted to cancel it but I wanted to go over the reprecussions of cancelling the credit card so, I would call back. She said that she would notate my account about the charge so, the wouldn't report it as going over the limit, and also if I were to close it with her she was going to comment on the closing that it was due to the fees.

I have two accounts with First Premier Bank. I was paying off my accounts one at a time. My visa card had a balance of 50.00 with a $300 credit limit. My mastercard was over $50 and my payment was not due until the end of the month and they suspended both accounts without any warning. They didn't give me until my due date to suspend the card. Which I think both accounts are separate. So I think that was wrong I went out of town thinking I could use my card and it was denied.

I too rcu the card with a balance already on it off $174! I purchased a few things on it and got behind on paying for it. To make a long story short they sent me to CCB Collections. I paid them on 2-1-08. And 4 months later i get calls from someone saying i still owe them $174! I have the receipt and copy of the stub of the money order. What can i do to make this go away.

I recently changed my phone number to the one I hvae now. Somehow they gt a hold of my number and will not STOP calling after numerous conversation with you they say is the immediate supervisor. I was told that ,y number would be put on the DO NOT CALL list, since every single person they ask for is not me. Each time they call they ask for a different person. So basically they have my number stored for various people and none of them are me.

They sent me a pre-approved card in the mail. I let it sit for a while and decided to activate it. They charged me over 100 in fees within a month. Basically I used $71 of it and now I owe over $300. I made several payments but they keep harrassing me almost daily saying I still owe $. I told him I cut up the card and wish to try to resolve this. They just keep saying it's my fault and I owe them more $.

I got a bill in the mail for a credit card I hadn't even seen. My balance was already $172, with a credit limit of $250. I called to cancel the acct. immediately. It took me 15 minutes for the CSR to get that I was serious about closing the acct. She tried talking me into this & that & tried to scare me regarding my credit (ie you know it doeasn't look good if you open & close an acct so soon, this will show up on your credit report, etc.)

I have tried to make my credit card payment 2 days in a row online, the website is constantly down for maintenance. When I finally was able to access the website to make a payment I was charged a $7 service fee. Once my balance is paid off I am cancelling this card!

I applied for First Premier Bank's credit card to help build credit. When I received the card, there was already $172 charged on the $250 credit limit.

i ordered there credit card online only to be charged 179$ for finance charges that were never mentioned at the time of card ordering.

I did not apply for this card and it arrived with a bill already charging me $179.00 dollars. I tried calling the 800 number and I kept getting the run around. I went to their website and it only has how to apply for a card and how to check on your credit card account. I was trying to find a way to email them and couldn't find anything. I am thinking of cutting everything up and mailing it back to them.

premier billing for charges unknown to me i have documented proof ireported repetedly reported this unauthorized charge the last contact with premier employee reguarding matter explained they were directly afialiated with unauthorized charge company/pasport of fun

I, too, am trying to re-establish my credit after bankruptcy. I accepted First Premier Bank's offer of a credit card over the phone after receiving marketing material in the male. In the entire half-hour phone call, I was NEVER told of the $179 fee. I would not have agreed to this! I can't even call this blasted company to cancel this account. Oh well, their statements will be thrown in the trash when they arrive. What can they do, ruin my credit? HA!

In 2003 I opened a First Premier Bank Credit card, I knew of all the fees and such, what happened was after 2 years of having the card, I wanted to close it, so I paid off the balance, didn't get a bill 3 months later a past due notice reaches me. I called again in protest, customer service said no notes stating account closed. What ended up happening and is still happening is I Close the account and 3 months pass and a new past due notice is sent. I can't seem to close this horrible account. Is there anything I can do? HELP

I was trying to re-establish my credit. After I received my credit card I used it once for a tank of gas. Received my first statement and I was at my credit limit. I made a payment of $125 and to close my account out because I figured it was a rip off. A year later my account is closed but somehow with interest and penalties they have my balance up to over $400 and I have refused to pay it.

I am making a road trip this summer and needed a credit card for it (I have previously only used pre-paid cards but some places will not accept them. I received a solicitation from First Premier Bank and sent in an application. I received an invoice a week later (no card, just an invoice) showing a credit limit of $275 with a charge of $179 (leaving a balance of $96 on the card). Since receiving this, I have tried to contact someone through the numbers on the invoice but only get computer voices. I would have declined the card with such a low balance as it is pointless. This company never gave me the chance to do so.

I've applied for a card to try an re-establish my credit.Sent in the processing fee,and waited for my card.It's been over a month now and I just checked my credit report to find out that I have an overdue balance of 151.42.And yet have no credit card???????

I'm not sure of the consequences. All this just happened today. I am cutting up the card and mailing it back to them with a complaint in writing. I am going to demand that this account be deleted and not reported to the credit bureau's. I do not know what to do from there. Any suggestions?

I have to worry that these people will wind up killing my credit in the long run. With their non-stop calls and harrassment at home and everywhere else I am stressed beyond my limits.

If you want to make First Premier pay attention to these complaints, then as a group we all need to file complaints against them with both the Attorney General's Office of South Dakota and your state's Attorney General's Office. This is how the New York city lawsuit began that caused them to have to pay $4.5 million to people they defrauded. They won't pay attention until you complain to agencies that will actually go after them. Here is the Attorney General of South Dakota's website. Just click complaint and file it. When they get numerous ones they will take action.

I specifically asked to have $336.00 2 times over a month period. Every 2 weeks I was left with $10.00 for paying my electric, Cell phone bill and buy groceries for my child--not to mention gas for driving back and forth to work. So my electric will be turned off in a week because of this.

I received a letter in the mail 5/07 with a mc # and expiration date, and I called to get more information about the card before I agreed to accept the offer. The lady I talked to said that they would extend the first payment of $20 until Aug/07, that the credit line was $300, but with a fee of $60.00 and $7.00 fee charge for the card being deducted. Also there was a charge of $150 membership annual fee, and there were other charges that left me with a credit line of about $60.00 to use right then. She said that once I made the first payment all this would cover all the fees and other charges; once all the fees was paid, I would have the full line of credit. She made it sound so good I thought this is a good way to start to rebuild my credit. I told her that I never received the actual card; she said it was in the mail. The same day I went online and paid for my AARP membership in the amount of $14.95.

I received my credit report for the first time in four years. First Premier Bank is listed on my credit report. I have never had an account with first premier, nor have I ever applied for one. They will not remove the information from my credit report.

I applied for a credit card from First Premier Bank. It arrived today with Initial Fees of $179.00 and a note that the card is already active! I have done nothing with the card and want to know what is the best course of action to cancel this. I've been looking on-line, and all I see is one horror story after another.

First Premier Bank's credit card is listed on my credit report. I have never received this card nor a bill or statement.

I wanted to build my credit back. I applied for the First Premier Bank Card. Big mistake. My very first statement was like this: Additional card fee $20.00, Program Fee *Finance Charge* $95.00, Account set-up fee *Finance Charge* $29.00, Monthly servicing fee *Fin Chg* $7.00, Annual fee $48.00, Premier credit card protection $1.17. Total first statement with out any first purchase $200.77.

I, like many others apparently, am quite upset with First Premier Bank. I have had problems with these people since the moment I received my card. My card was already activated when I got it in the mail. Who would be careless enough to send a card that is already activated? Goes to show that they do not care who receives/uses MY card. The card only had a $250 limit, over half of which was already used by fee's etc making the card virtually useless until completely paid off. First Premier charges their clients a fee to make payments every month be it by phone or Internet. Who charges their clients to pay their bill? When I called them to ask about these issues, the representative with whom I spoke sounded somewhat inebriated and could not answer my questions. When I asked to speak with a manager, the representative put me on hold, then came back onto the line and said his manager didn't have any answers for me either.

I thought it would be a good boost for my credit. Right after completing the application and receiving approval, I decided to look this company up. I went to several sites that had nothing but negative comments about Premier Bank being a fraud and scam. I immediately emailed Premier bank and requested that my application be voided and that I didn't want anything to do with their company. I assumed that was the end of the situation.

I have been a card holder with this company since 2002, back as a freshman in college. I wasn't working and didn't use the credit responsibly, the card only had a $250 balance. One year after getting the card, I was financially unable to keep up the minimum payments. It seemed as if when I made the minimum payments, the card balance would increase by the next billing cycle. The card was charged off eventually and on February 14, 2005, I made an agreement with collection agency Accounts Receivable Management to pay a portion of what First Premier Bank claimed I owed, which was $299.

I received a letter in the mail from First Premier Bank (Sioux Falls, S.D.), asking for my Social Security number so they could process my application (I had not applied for a card). I later realized I had become an ID Theft victim. When I received my credit reports, First Premier had already done an inquiry 3 days prior to the date on their letter. It dropped my scores. I have tried to contact them, in vain. Impossible to get a human--almost totally automated. At one point I finally got a rep., who claimed I was not in their system, so they would not/could not remove the inquiry from my report. I don't know what to do other than file a dispute. My understanding is that disputes are extremely difficult to remove. Any suggestions appreciated! Am considering hiring an attorney (Contingency, as I am on disability). I only found out because I had to request my credit reports because of the ID Theft.

I received the card and already charged $172.00 into my card with $300.00 credit. THEY CHARGE ME TOO MUCH.

Don't get behind with this outfit. They will hound you to death using the phone without caller ID, including calling you on Sunday. Thank your senator and congressperson for gutting the powers of the Federal Trade Commission. That action gives predators like First Premier the ability to provide a liner for pond scum. Run away. You don't need anything from these jerks!

I am trying to buy my first home so I checked my credit report. It showed an unpaid balance from First Premier Bank for $215.

I closed and canceled this account out, and returned the card to them via certified mail last year. I was charged a really high fee within one month that brought my card almost $200 over the limit.

I received a credit card that I did not apply for. I have tried calling them and could not talk to live person, only computer.

About two years ago I received a gold credit card from First Premier Bank. I obtained a $200 credit limit and was allowed about $100.00 after all of their fees were taken. I have made all of my payments on time. About a year ago I moved back in with my ex-wife. Since I have no bank account she helped with sending a check for my payments; I would deposit monies into her account. I decided to pay off my card to build my credit; however, after a couple of months there was a hold put on my account. First Premier wanted to know who was writing the checks for my payments and required written permission to insure that I was not writing on an account without permission to do so. My ex-wife wrote a letter and faxed it to the security division. All the while they did not allow me to have access to the $370.00 I paid on my card. First Premier then required a written letter from me stating I was not a writer on this account. I did that.

My first mistake was that I had inadvertently paid the renewal fee for the second year. I then sent Customer Service a notice that I wished to cancel service. Not only did they not close my account but held a few charges until two days AFTER the next service year. I then found that they then considered the account not only not canceled, but that these charges constituted my acceptance of the second year. After losing the argument with them that I had not effectively canceled my account, I begrudgingly agreed to pay off the amount due and that my renewal fee was additionally lost.

I received my card with a balance and never used it. They never mentioned a program fee ($95), an account set-up fee ($29), monthly service fee ($7), and an annual fee (($48). All I saw was the 9.9% rate. I just got this thing and will cancel it.

I have never personally applied for this bank card; however, my identity was stolen via internet, and although I have sent these people the info. needed to clear this up, they have not. I even had alerts out to my credit reports, and that still did not help me with these people. I wish only that they would take this negative info. off my credit report .

They sent a preapproved card and I submitted my application. My husband told me it was a scam so Itried contacting customer service and they don't even give you an option to speak to someone. I could not cancel my application.

We had the same issue as the example you use where Premier Bank issued us a credit card with a line of credit for $325 but the bill arrived with never having used the card. The bill was for $279 in various fees. We are trying to cancel the card but cannot get hold of anyone.

This company continues to send their pre-approved applications to my residence despite my requests with customer service telling them to stop. I also sent a letter stating the same. These people say they help those who might want to reestablish their credit. What they are really doing is getting rich by charging such high fees. Hard working Americans are being taken advantage of. Please stop these people from the evil they are doing. THANKS.

I was trying to establish credit, and I thought this would be a way to start with the bank card. Was I ever wrong. My credit limit was $200, and on my first statement they took out $150 in fees, which I did not mind, but then I got my next statement and it had a $29.99 late fee. I sent my payment way before the due date. It is not my fault they did not cash it until after the due date. And the finance charges are ridiculous. I have only had they card for a month and I am canceling it. They charged me a late fee, and now on my credit report that is going to be a strike against me. I don't understand how a company can be so greedy. They say they will help, and they only make it worse. They are just taking our money.

I thought I was trying to rebuild my credit by getting this card. Was charged up front $172, paid it and was given $250 credit limit, but the other fees took up this limit each month. I tried to canceled the card by calling and sending a letter and never used the card, but to my surprise it was on my credit report ;and it is still incurring the extra fees only.

I got one of their credit cards. I paid all of the fees, and paid the card in full. They took the money directly from my bank account, so they knew that the funds were valid. They plan to hold onto the money from 16-21 days. I thought that they meant if there was a check sent, they would hold the money.

My experience is not unlike others who received the card with $172 balance owed and a limit of $300. In addition to this major disappointment, I have trouble EVERY MONTH logging on to my account to pay online. When I did make a payment online on the actual due date, I was informed that the transaction would show THE NEXT DAY as the DATE PAID, which would mean it was paid late, and the late fee would then apply (even though I actually paid it on the day it was due). Every month, I have to call them before I can log on because the system ALWAYS tells me the CVV number that is wrong. It is the number on my card, but the system doesn't acknowledge it. So, every month I have to make another phone call where they PROMISE to correct the problem. I am then able to access the account that one time. Then, next month I have the SAME ISSUE all over again. I am tired of having to call them every month because they cannot get their web site fixed. It is the worst experience I have EVER HAD with a website or a creditor!

I was pre-approved for a credit card from First Premier Bank. I have no idea where this card came from. On Wednesday, December 19th, I got home from my office and found the card in the mail. On December 20th I sent the card back to them, cut in three (3) pieces on the same document they sent me the card on. I sent them a note telling them I did not want the card. On Saturday, December 22nd, I was hit with a bill. I tried to reach the bank on Saturday but found out their banking hours are M/F 7 AM to 7 PM. I am not paying that bill for something I did not want in the first place. What a shock to be hit with a bill! How can I undo this horrible thing? I am so afraid that they will make me pay the $179. There are so many fees for a card that I never used! Plus, I NEVER activated the card. And I don't have the card in my possession as I mailed it back to them, cut in three pieces. Can you help me out?

I applied and got a First Premier Bank credit card to clean up and build my credit. The card arrived with balance to pay and no limit. I paid a $20 a month for almost a year and used the card 1 time for a $10 purchase. I called to cancel the card because I didn't understand why I was paying all this money and hadn't spent any. Then they billed me $500, and I said I wouldn't pay, so they have put a negative mark on my credit!

My husband had a First Premier credit card with a limit of $250.00. As you have stated on your web site, all the fees were taken out and left us with minimal credit. But, we paid on time, and after a period and lots of fees later, we requested a limit increase. They denied the increase on the same card, but offered us ANOTHER credit card, with the same limit and the same fees. They did this to collect the high fees and additional interest rates. We think it was unfair to do this and took advantage of us. Due to financial medical problems, we had to let the cards go to charge off, as we were unable to pay on both of them. I also had my own card with the same fees and high finance charge. Those fees and other misc. charges times 3-- this is a lot in fees. We eventually closed the cards, and they still charged us over the limit fees and late fees and more.

I received a First Premier Bank card with a balance of $179.00 with a $300.00 credit limit. The card has never been used, yet the balance continues to escalate. I want to pay it off and end my association with them, but the penalties remain due and payable. I had no clue this would be the case. I was only interested in establishing credit after divorce.

I applied for a First Premier Bank credit card through the Internet and I was approved. The credit limit they gave me was a little more than $200.00. What is bothering me is that even though I canceled the account, I still have to pay the credit limit ($250.00) which was approved from the beginning without my using it: I have not spent $250.00 but have to pay for it.

After reading the article on Consumeraffair.com, I looked into my credit card from First Premier Bank. They have a $250.00 limit; I use the card to give to merchants with whom I may not be totally comfortable giving a big balance card or online use. After reading your article I discovered the charges they hit me with are $6.00 a month plus $48.00 membership, and they have permitted charges to my account that have no details. I pay off the balance each month. Never thought to question until I read your site. I am canceling this card right now.

I have had a First Premier Card since 2004. They started me out with a $300 credit limit and I am still at that amount. On this month's statement I was charged a $29 over limit fee because they charged me a $49 annual fee and a $6 monthly fee.

In 2004 First Premier Bank offered me a credit card with a $300 dollar limit. I was trying to boost my credit. I used it one time and have been paying on it since. And it has hurt my credit terribly. They still say I owe them 400. I would never get one of these again.

A credit card from this bottom feeder arrived in the mail Friday. Trying to call them is hard. Go to #1 in their phone choices, but don't enter anything. Eventually they will switch you to a live person.

I haven't used my credit card in months and have faithfully been checking my invoices. I'm saddened to report that First Premier Credit Card charges a $6.00 a month "participation fee" along with the $48 annual fee. How disappointing to learn that I will pay $120 a year for a card I never use. Can this be ethical?

3 years ago I decided to establish credit and stumbled upon First Premier Bank Card.

It's totally ruined my credit

Attempting to rebuild credit, took their offer, a $250.00 line less fees netted a 72 dollar limit. Six months later I ask for a credit increase, they deny me based on credit report which is how they offered me the card in the first place. They claim the increases are based on payment history. I have routinely sent 5 times the minimum in order to build credit. In addition the 6$ monthly usage charge is nuts!

I keep being spammed by this bank, over and over and over! I have added them to my block senders list, clicked unsubscribe in the email, called them and asked to be taken off, mailed a letter to them at their Sioux Falls address; asking to be taken off....sent attachments of their emails to the spam dept of our government...what am I to do? I had their card before and was charged all those fees...paid it off and closed it. Since then all I do is receive spam from them.

I applied for this credit card in hopes of rebuilding my credit. I was aware of the fees and was prepared to pay. However, I did not expect to receive a card that was almost at its limit! I have $178.00 worth of charges on the card and only $72.00 available to me, and I have yet to use this card.

I was offered secured credit card that I used a few times. I later told them to cancel card and apply the security deposit to amount owed on card, they said ok. 3 years later get collection letter for $819.53?????????!!!!!!

I got the card to try to establish credit. They approved me for a $200.00 credit line and automatically had a $175.00 fee. I paid the amount in full and tried to use the card but I find out that they hold my payment 45 days to clear with my bank, even though it was cleared from my checking account. After I paid to use there website, I made payment and I find out that the payment was never processed and an additional late fee was added.

Some time on or about February 18, 2007 I received an internet offer for a First Premier Bank Charge Card at an annual 9%. I applied not knowing the terms and was accepted. Then immediately I was able to read the terms. They were so outrageous that I then within minute emailed the bank to cancel the acceptance to no avail. Today March 3, 2007 I received the card. There is no way they can be contacted to speak to a person for customer care about the issue.

I had a to file for bankruptcy in 1999, but still suffer the consequences of trying to get credit, though all is fine now. These people sent me one card with a $250 limit and $187 on the card already.

They keep adding fees to my bill that is completely fictitious, such as participation fees, fees for paying fees, etc. I try to keep my balance at zero, but new fees keep popping up. they almost reported me to the credit bureaus for lateness because I didn’t check my balance online, which I had left at 19 cents, and for that they called and demanded payment, which of course includes a $7.00 payment fee.

My son, who is under aged, decided to get himself a credit card. He has no job. First Premier issued the card despite no parental approval and with disregard to checking legal age. As a parent, I get the mail and when something comes in for my children, I open to see just what is going on. Lo and behold, a bill for $178.00 on a brand new account! $95 for a bogus program fee, $29.00 account set up fee finance charge, and $6.00 participation fee, $48.00 annual fee from 3/07 to 2/08!

I received an unsolicited card in the mail on Feb 1, 2007, with a limit of $300 and an initial charge of $178 for various fees and an outrageous interest rate. I threw it away and the very next day received a statement for the $178 dated more than 10 days before I received the card!!!!

In an effort to obtain a credit card and to re-establish my credit, I applied for and received a First Premier Bank credit card. I was more than surprised when the card arrived with a $172 balance already on it!