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.

Permalink Report

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.

2021's First PREMIER Credit Cards

Compare Cards

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.

show less

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.

show less

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

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. 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

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.