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Bad Credit
First PREMIER® Bank Classic Credit Card
Info about the First PREMIER® Bank Classic Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
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APRs |
REVIEWS |
Q&A
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CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-987-5521, Ext.
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Issuer's Online Account Management
APRs |
REVIEWS
Q&A | CUSTOMER SERVICE INFO
Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-987-5521, Ext.
-
Issuer's Online Account Management
First PREMIER® Bank Classic Credit Card's Key APRs & Fees
| ONE-TIME FEES |
|---|
| $25 - $95 |
| ANNUAL FEE |
| $75 - $125 1st yr, $45 - $49 after |
| MONTHLY FEE |
| $0 - $8 1st yr, $6.25 - $10.4 after |
| REGULAR RATE |
|---|
| 36% |
| GRACE PERIOD |
| 27 days |
First PREMIER® Bank Classic Credit Card's Highlights
| Based on your creditworthiness, this card requires a one-time up front Processing Fee of $25 - $95, to be paid in full before the Credit Account is opened. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn. |
| Fees reduce your available credit. For example, if your initial credit limit is $300, your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card. |
| Based on your creditworthiness and credit limit assigned, this card’s annual fee could be $75 - $125 in the first year, $45 – $49 after. |
| Based on your creditworthiness and credit limit assigned, this card’s monthly fee could be $0 - $8 in the first year, $6.25 - $10.40 after. |
| Reports your credit history to the major Consumer Reporting Agencies. |
| Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account. |
| * We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank. |
First PREMIER® Bank Classic Credit Card's Additional Info
| MAX LATE FEE |
$39 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| FOREIGN TRANSACTION FEE |
3% |
| SMART CHIP |
Yes, unknown |
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CASH ADVANCE APR
36%
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CASH ADVANCE FEE
5% (min $8)
- Last updated on 10/2/2020
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First PREMIER® Bank Classic Credit Card is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about First PREMIER® Bank Classic Credit Card to our community.
What's the starting credit limit for the First Premier Bank Classic card? Reply 51
MICHAEL BATTLE
@mikebattle
The First Premier Bank Classic card credit limit isn't publicly available, however, reviewers report initial limits ranging from $200 to $300.
For example, if you have an initial credit limit of $300, after the setup fee of $75 is assessed, your available credit will be $225. It's a very expensive card.
5
Upvotes
How long does it take to get your available credit once you pay the $75 processing fee? Reply 31
WalletHub
@WalletHub
You’ll be able to use your available credit once you receive your card, which should come in the mail within 10 business days. Hope this helps!
3
Upvotes
What credit score is needed for First Premier Bank Classic? Reply 2
Vince Mendoza
@vince_mendoza
You can get the First Premier Bank Classic card even with bad credit.
First Premier will also take other factors into consideration when looking at your application, such as your income, existing debts and overall creditworthiness.
Keep in mind that an application will result in a hard pull on your credit, which may lower your credit score for a short period of time.
2
Upvotes
How do I check my First Premier Bank Classic application status? Reply 1
ARCHIE CONWAY
@ArchieBunker
You can check your First Premier Bank Classic credit card application status by calling 1-800-987-5521. First Premier asks that you wait 48 hours after submitting your application before calling to check your status.
Although anyone looking to apply for a First Premier Bank Classic credit card can do so online, the same cannot be said of getting application updates. However, according to First Premier Bank, you may get a decision within 60 seconds of applying.
1
Upvote
How long does it take to get the First Premier Bank Classic card? Reply 1
Josephine V
@josephinevey6
It takes about 10 business days maximum for you to get the First Premier Bank Classic card.
1
Upvote
I have applied, received my card with my name on it. If I pay the $95 processing fee today, when will the funds be available to use? Reply 11
WalletHub
@WalletHub
Unfortunately, this information is not made available on the website. Please call customer service at 800-987-5521 for more details.
1
Upvote
I just pay $200 on my card and they received the payment last week., and I check my available balance and it didn’t add up. How long it will take to be available? Reply
0
Upvotes
First PREMIER® Bank Classic Credit Card Reviews
Share your insights and review the First PREMIER® Bank Classic Credit Card.
Nov 01, 2019
I paid the $95 program fee and have a available credit for $225 how can i use it? I got told once i paid the program fee i could use the account. I went to the atm earlier and it wouldnt let me get any money
1 Comment
Jul 12, 2019
The card is easy to get. I was approved for a $300.00 limit. I paid my first bill way before it was due, and somehow I only have an available credit of 96.00? My payment shows on my account and has been removed from my bank account, so why isn't my available credit limit the $300.00?
Oct 20, 2018
I like First Premier Credit Card and I'm really enjoying my new MC I don't have nothing bad to say about card really appreciate this good I'm so happy I got approved just had paid 200 but they only took 50 that was great I just wanted this card now im happy I got it
Sep 21, 2014
I first thought about the fee,, but after carefully thinking about it,, if it will help me get a credit card and rebuild my credit to use in my favor i would like to get one... When i keep my payments paid when they are due,, then i will be able to get advances to my card and rebuild my credit...
Jul 09, 2014
I thought the annual fee was way high and that it could have been better. I also thought by them putting the fee on the card was a bit too much because you didnt get a full line of credit so when you got the card it was like you only had a limited amount on there before you can get the full credit that they offered to you. So I canceled my card since it was like I was paying even before I got to use it.… show more
Mar 26, 2014
I have a credit card with first premiere credit card and i'm not so happy. I must say the initial process is easy. I had to pay $95 to activate the card and i received a credit limit of $175. I did not know that spending the credit limit too fast would negatively impact my score, but it did. There are annual fees and monthly fees that are a bit on the high side. I thought that getting a credit card and paying the bill on time was what helped increase my score, but there are so many rules and guidelines that I know now why people end up in thousands of credit card debt. I also do not like the fact that you have to pay a $4.75 online fee to use their services. You have some work to do.… show more
Dec 13, 2013
I applied for this card about six months ago hoping to strengthen my credit so I could buy a better car and apartment and I am overall very pleased with my experience. Although the APR is very high, I knew what I was getting myself into since I didn't have many options for cards that would accept me. I would recommend this card only to those with bad or no credit who are looking to improve.… show more
Oct 17, 2013
Due to a prior bankruptcy filing, I’ve had bad credit and subsequently have used the First Premier Bank Classic Credit Card for a few years now. Overall, it is an adequate card for rebuilding credit but does come with some caveats. The biggest negative would be the fees to use it. A whopping $95 processing fee and cumulative monthly fees after the first year make it a high barrier to entry. If possible, try looking at a secured credit card that you fund yourself. If you do need a card to rebuild credit, this does the job. However, you could also look at a secured credit card that you fund yourself which would not have the numerous fees that this card has.… show more
Mar 01, 2013
I applied for this card due to not having any established credit. It was easy to apply for and I found out my results of my application within seconds after I applied. I think the fees are high and the fact that they charge you a fee to give you a credit limit increase is not so great either. I was willing to deal with the fees so I could build my credit. I didn't get a big spending limit when I was approved but I expected that I wouldn't. Overall it's a good card to build credit with. I wouldn't recommend it if you have established or good credit due to the high fees.… show more
Jan 08, 2013
Having bad credit, this card helped me regain some freedoms back. I was able to use this card to make online purchases, reserve hotel rooms, and make purchases when the cash was not available. The only problem I have with this card is all the fees. They seem to be pretty steep and I think it is ridiculous that they charge $25 for increased credit. I was fine with the annual fee and the monthly fee but the start up fee and the increase fees are high. When I had a hard time paying my monthly bill they were helpful in getting me ways to get my account current again. Over all I am satisfied with this card.… show more
Aug 30, 2012
At first my experience with this card was a positive one. I understood the terms when I signed up and expected that I would not have a large limit. This was fine as I was using it to build credit and didn't need to make large purchases. I paid on time and maintained a low balance each month. About two years after having the card I got behind financially. I called and explained my situation and struggled to make my minimum payment. With fees mounting and the balance growing larger, I was finally able to make a substantial payment on my balance. This brought my current balance to be less than my limit and I was finally on the right track. However my card had expired and I was in need of a new valid card. When I called to request one, I got the run around. First I had to wait 30 days after bringing my account current. I called 30 days later and I was told that I didn't have enough credit to cover the annual fee. This wasn't true as I paid my annual fee each month as it was broken up throughout the year. After 3 other calls to find out what was going on, I decided to close my account. This experience left me uneasy with them and I would prefer to just work on my credit with someone else.… show more
Aug 22, 2012
This is the first credit card I have ever gotten. I have never experienced any other card company, so I am not familiar with how a lot of cards works. However, this one in particular has helped me to slowly build up my credit. I have been using this card for about a year now, and I haven't notice anything out of the ordinary about it yet. When I first got the card I did have to pay an activation fee of about $100, but once that was paid I received my card within a week. I mainly used it to help buy gas when I didn't have the cash to do so at the time. Overall I am pretty happy with this card.… show more
Aug 01, 2012
The First Premier credit card is about the worst card I have ever had. With all of the fees that they charge I ended up owing over $150 before I even used the card for the first time. Their customer service is not the best. I made all of my payments on time and also made payments larger than what was required for 2 years. I did not get a credit increase like I have with other cards after only 6 months. I will no longer be using this card. Do yourself a favor and save yourself the $150 and all of their other fees and go with a different card.… show more
Jul 19, 2012
This is my second time having a First Premier card and I don't know why I thought things would be different. The APR and interest is absolutely ridiculous, but that's what people like me, with bad credit, have to do. Other than all of the money you are going to spend on this card, it is a good card to build your credit and to be approved for immediately. I paid $95 to activate it and then within a couple of weeks I had to pay the $75 annual fee, the $30 monthly fee, and the $40 I spent on gas. I have a spending balance of $300.… show more
07/21/12
Actually a secured credit card is a much better option in rebuilding your credit since it has MUCH lower fees.
Jul 12, 2012
First Premier was the first credit card I ever had. I know a lot of people complain about the annual fees and the high APR on First Premier credit cards, but you have to understand, they take a big risk on a lot less established card holder than the major companies like Capital One do. I paid my dues so to speak, and eventually built my credit to where I could get cards from Capital One, Discover, HSBC, etc., etc., but I will always be grateful to First Premier for being there to help me build my credit to start with, and if I ever need it rebuild I'm confident they will be there again.… show more
Jun 21, 2012
I had some trouble with credit card debt when I first moved out on my own and I began to clean it up and First Premiere was the card that offered me a credit card again so I took the opportunity. I really appreciated it because it is always nice to have a credit card as a safety net and to help me rebuild my credit. I have a few problems with the card though, first there was a $95 start up fee that I had to pay and that is pretty annoying because I didn’t pay that with other cards. The other problem is that they charge me a crazy high interest rate and also a $10/month fee. It was nice though because I was able to use the card on vacation and occasionally for gas. Once my credit is built up I will be looking for a cheaper card though.… show more
Jun 21, 2012
I have had my First Premier Bank Card for about a year and a half now. The reason I decided to get this card was to help with my credit rating. I am trying to lift my credit score, so I thought I would purchase things like gas and make sure to always pay more than my minimum balance. I am moderately satisfied with this card. I have had a few issues with customer service, but overall it is an ok card. I had to pay a $95 deposit to get the card activated, and then I received my card in the mail within 7-10 business days.… show more
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Last updated on: October 2nd, 2020 at 04:00
Related Credit Cards
If you are interested in the First PREMIER® Bank Classic Credit Card, check out the following credit cards as well:
Related Credit Card Categories
First PREMIER® Bank Classic Credit Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers 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.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Oct 2nd, 2020 at 04:00 ET