How do I apply for the First Premier Secured Card? This question is about the First PREMIER® Bank Secured Credit Card

To apply for the First PREMIER® Bank Secured Credit Card, fill out an application online. If you received an invitation to apply for this credit card in the mail, you’ll be able to enter your confirmation number online under “Accept Mail Offer.” Otherwise, click “Apply Now.” Unfortunately, you can’t apply over the phone. How to Apply for the First PREMIER® Bank Secured Credit Card Visit the First Premier Bankcard website. If you received an invitation to apply, simply click "Accept Mail Offer" and enter your confirmation number. To apply without an invitation, visit the First Premier Bank's credit card comparison web page and click on the "Apply Now" button under the First PREMIER® Bank Secured Credit Card. Fill out the application form with your personal information (such as your full name, address, date of birth, SSN, email address, income, and employer information) and click “Continue.” Review the completed information and check the box to consent to receive communications and confirm that you read and understood all disclosures. Finally, click "Submit Application" at the bottom of the page. It's also worth noting that the First PREMIER® Bank Secured Credit Card accepts applicants with bad credit. But that doesn’t mean everyone who applies will get approved. Having said that, you can check the status of your application at any time by calling customer service at (800) 987-5521. If you're not tied to First Premier Bank and are looking for a credit card to help you rebuild credit, feel free to also take a look at our editors' picks for some of the best credit cards for bad credit.

Ad Disclosure Ad Disclosure

How do I apply for the First Premier Secured Card?

Answer Question Report Abuse

This question is about the First PREMIER® Bank Secured Credit Card

see this user

Maria Adams, Credit Cards Moderator

@m_adams • 09/23/22 This answer was first published on 09/23/22. 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.

Permalink Report Abuse

To apply for the First PREMIER® Bank Secured Credit Card, fill out an application online. If you received an invitation to apply for this credit card in the mail, you’ll be able to enter your confirmation number online under “Accept Mail Offer.” Otherwise, click “Apply Now.” Unfortunately, you can’t apply over the phone.

How to Apply for the First PREMIER® Bank Secured Credit Card

Visit the First Premier Bankcard website.
If you received an invitation to apply, simply click "Accept Mail Offer" and enter your confirmation number.
To apply without an invitation, visit the First Premier Bank's credit card comparison web page and click on the "Apply Now" button under the First PREMIER® Bank Secured Credit Card.
Fill out the application form with your personal information (such as your full name, address, date of birth, SSN, email address, income, and employer information) and click “Continue.”
Review the completed information and check the box to consent to receive communications and confirm that you read and understood all disclosures.
Finally, click "Submit Application" at the bottom of the page.

It's also worth noting that the First PREMIER® Bank Secured Credit Card accepts applicants with bad credit. But that doesn’t mean everyone who applies will get approved. Having said that, you can check the status of your application at any time by calling customer service at (800) 987-5521.

If you're not tied to First Premier Bank and are looking for a credit card to help you rebuild credit, feel free to also take a look at our editors' picks for some of the best credit cards for bad credit.

Answer Question

What's the starting First Premier Secured card credit limit?

Your starting First Premier Secured credit card credit limit will be $200, but the annual fee will be assessed immediately, giving you $150 in available credit. You cannot get a bigger limit if you deposit more and you will have to wait for 13 months to get an increase.

After the first year, your annual fee will be charged in monthly installments.... read full answer

That being said, there are far better options out there that do not charge an annual fee. Capital One Quicksilver Secured Cash Rewards Credit Card, Bank of America® Unlimited Cash Rewards Secured Credit Card and Capital One Platinum Secured Credit Card are among the best.

show less

How can I get pre-approved for the First Premier credit card?

First PREMIER Bank has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. First PREMIER Bank does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of approval, First PREMIER Bank’s mailed or e-mailed pre-approval offers will be for one specific credit card.... read full answer

If you wish to respond to a First PREMIER Bank pre-approved offer received by mail or e-mail, visit the website listed in your offer and enter the enclosed invitation code. This allows First PREMIER Bank to flag the application as pre-approved.

First PREMIER Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that your chances of getting approved are very high if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to apply for the card, First PREMIER Bank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.

show less

How does a First Premier credit card work?

A First Premier credit card works like any other credit card, with one major difference: it has insanely high fees.

Depending on the card you choose, you will either have to pay a refundable security deposit or a one time fee. All of First Premier’s cards have annual and monthly fees, decided based on your creditworthiness. You can apply for one with bad credit or no credit score at all.... read full answer

There is a fixed rate, though: First Premier’s APR of 36% for its unsecured cards and 19.9% for its secured credit card.

On the plus side, First Premier reports your activity to the major credit bureaus TransUnion, Experian and Equifax.

I wouldn’t suggest applying for any of the cards First Premier has to offer. If you have bad credit or no credit score at all, there are plenty of other, more favorable credit cards you could try getting.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.