What's the First Premier Bank card credit limit? This question is about First PREMIER® Bank Credit Cards

What's the First Premier Bank card credit limit?

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This question is about First PREMIER® Bank Credit Cards

Patrick Murphy, WalletHub Analyst

@stpatrick1982 • 03/06/23 This answer was first published on 02/13/19 and it was last updated on 03/06/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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.

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

You can only get a First Premier Bank $700 credit limit if you’ve received an offer in the mail for one of their unsecured credit cards or if you put down a $700 deposit for the First PREMIER® Bank Secured Credit Card. Otherwise, if you apply for an unsecured First Premier credit card, your credit limit will most likely be $300.

It is also worth noting that you won’t get to enjoy the full credit limit right away,...

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How can I get a First Premier Bank credit limit increase?

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.

Keep in mind that eligible First Premier cardholders that qualify for a credit limit increase upon request will have...

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How can I pay my First Premier credit card processing fee?

You can pay your $55 - $95 First Premier credit card processing fee online. To do so, go to the application page and follow the instructions on the online application form. You can also arrange a payment over the phone at (800) 987-5521. Keep in mind that you are required to pay the program fee in order to open your First Premier credit card account.

Things to know about the First Premier credit card processing fee:

There are multiple...

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