After receiving a pre-approved offer, you can apply for the card by entering your confirmation number on First Premier Bank's dedicated web page. If you can't find your confirmation number, you can look it up online by entering some of your personal contact information and the last 4 digits of your Social Security Number.
Getting a pre-approved offer doesn't affect your credit score, since it only triggers a soft inquiry on your credit. If you apply for the First PREMIER® Bank Platinum Credit Card, a hard inquiry will be triggered, which can lower your credit score for a short period of time. Keep in mind that pre-approval indicates you have good odds of approval, but it doesn't guarantee it.
You can request a First Premier Bank credit limit increase by logging into your First Premier account online and clicking “Credit Limit Increase” on the left side of the page. Then, select your account and click “Request Increase.” You will get a response by mail within 14 days. Another way to request a credit limit increase on your First Premier Bank credit card is by calling First Premier at 1-800-987-5521 to reach customer service.… read full answer
If you have demonstrated responsible payment behavior, they may grant you an increase. If they give you a credit limit increase, however, keep in mind that First Premier will charge you a fee equal to 25% of the credit limit increase. So you won’t even get to enjoy the full increase.
Another thing to keep in mind is that First Premier might give you a credit limit increase without you asking for one. People in online forums have reported that First Premier Bank has increased their credit limit without them requesting it, and they still got charged the 25% fee. So if you have this card, beware – it already charges a lot of fees, and this is just one more.
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