Does a First Premier credit card help build my credit?

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.

First Premier offers several unsecured credit cards, but there is only one credit card application. You can’t choose which unsecured credit card to apply for, and the terms of your credit card offer will depend on your creditworthiness.

Here’s what you should know about First Premier unsecured credit cards:

• ... read full answerCredit score required: First Premier unsecured credit cards are available for people with bad credit (a credit score of 300+).
• They all come with high fees: All First Premier unsecured credit cards will require a one-time fee of $55 - $95, and a first-year annual fee of $50 - $125 ($45 - $49 after the first year). In addition, these cards also have a monthly fee of $0 - $8 1st yr, $6.25 - $10.4 after.
• High interest rates: All unsecured credit cards offered by First Premier Bank come with a regular APR of 36%.

As you can see, these cards come with expensive fees and high APRs, so you might be better off getting a secured credit card instead. For instance, the Capital One Platinum Secured is a great option for rebuilding credit. This card requires a security deposit of $49, $99 or $200 for a $200 credit limit. Plus, it comes with a $0 annual fee.

First PREMIER Bank does not offer an authorized user bonus on any of its credit cards right now. Some credit card companies give a bonus for adding an authorized user to an eligible credit card, though this is relatively rare and First PREMIER Bank is not among the companies offering it.... read full answer

There are still benefits to adding an authorized user to your First PREMIER Bank credit card, though. To start, the authorized user is able to build credit. In addition, an authorized user’s spending still counts toward earning a card’s initial bonus. And authorized users’ purchases will earn rewards at the same rates as the primary cardholder’s purchases. Only the primary cardholder is able to redeem rewards earned by any user on a card, however.