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

This question is about First PREMIER Bank Credit Cards

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts 04/30/21 This answer was first published on 04/30/21. 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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You can get pre-approved for a First Premier credit card if you fit the issuer's criteria and receive a mail offer. After receiving a mail offer, enter your confirmation number on First Premier Bank's dedicated web page to apply. If you can't find the letter with the enclosed confirmation number, you can click "Look up your confirmation number" on the same page to retrieve it.

A pre-approval offer will only trigger a soft pull on your credit, but it doesn't guarantee you'll be approved. An actual application will result in a hard pull on your credit, lowering your score for a short period of time.

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People also ask

Does the First Premier Bank Mastercard do a hard pull?

Yes, the First Premier Bank Mastercard does a hard pull on your credit when you apply for it online.

You can apply with a bad credit, but a hard pull usually causes your credit score to further drop by 5-10 points.

Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.… read full answer

You can learn more about how to minimize the credit score damage here.

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

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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What's the First Premier Bank Mastercard credit score requirement?

There is no First Premier Bank Mastercard credit score requirement. This card is designed for people with bad credit, so any score will do.

With that said, because this is an unsecured card for bad credit, the First Premier Bank Mastercard sports several fees, like a processing fee, an annual fee and a monthly fee on top.… read full answer

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