How do I get a First Premier Bank $700 credit limit?

Your First Premier credit card limit will be $200 to $1000 to start, depending on which card you get from First Premier Bank and your overall creditworthiness. First Premier will consider factors such as your credit history, income and debt when determining your credit limit.

For example, their secured offering - the First Premier Secured, will offer a limit of $200, but after the annual fee is charged you'll have $150 in available credit. After at least 12 months, you will be able to ask for an increase (up to $5,000) and you'll get charged a credit limit increase fee in the amount of 25% of the amount of the credit limit increase.... read full answer

For the other First Premier Bank credit cards, the unsecured ones, your credit limit could be anywhere from $300 to $1,000, depending on what First Premier thinks of your overall creditworthiness.

But, for example, if you’re assigned a $300 credit limit, you will have to pay a $95 processing fee before opening your account and then a $75 annual fee once you do, giving you just $130 in borrowing power to work with.

The First Premier Bank Classic card credit limit isn't publicly available, however, reviewers report initial limits ranging from $200 to $300.

For example, if you have an initial credit limit of $300, after the setup fee of $75 is assessed, your available credit will be $225. It's a very expensive card.... read full answer

You can get a First Premier Bank credit limit increase by making a request either online or through the mobile app. You can also request one over the phone at (800) 987-5521. Alternatively, you may also get an automatic First Premier credit limit increase if your account is open and in good standing for at least 13 months.... read full answer

Keep in mind that eligible First Premier cardholders that qualify for a credit limit increase upon request will have to pay a fee equal to 25% of the increase amount.

How to Get a First Premier Bank Credit Limit Increase Online

1. Log in to your First Premier account online or through the mobile app.
2. Click “Credit Limit Increase” on the left side of the page.
3. Select your account.
4. Click “Request Increase” and follow the prompts.
5. Get a response by mail within 14 days.

To increase your odds of getting approved for a First Premier credit limit increase, you should maintain a good payment history, increase your annual income, and use your card responsibly.