The easiest way to apply for the First PREMIER® Bank Secured Credit Card is online through First PREMIER Bank's website. Applying online is the fastest method and often leads to an instant response. Keep in mind that the First PREMIER® Bank Secured Credit Card is available to people with bad credit or better, which means it's easy to get approved. You can check your credit score for free here on WalletHub.

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

1. Go to the application page on First Premier Bank's website
2. Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
3. Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
4. Fill in the requested financial information such as your income, sources of income, employment status and housing status. You will also need to authorize First Premier Bank to do a hard pull of your credit.
5. Double check to make sure the application is complete and all the information is accurate.
6. Submit the application.

Once you've submitted your First PREMIER® Bank Secured Credit Card application, you may receive a decision right away. However, First Premier Bank has up to 30 days to respond to your application. You can read about how long it takes to get a credit card after approval here on WalletHub.

The First PREMIER® Bank Secured Credit Card credit limit is at least $200. That's the minimum security deposit, and your spending limit equals the amount you put down.

The First PREMIER® Bank Secured Credit Card credit limit that you start out with isn't necessarily permanent. First PREMIER Bank will allow you to increase your security deposit for a higher credit line. In some cases, they'll also graduate your secured card to an unsecured card if you use it responsibly. This could get you a higher credit limit, too.

You can make a First PREMIER® Bank Secured Credit Card payment online, by logging in to your account and clicking on the payment button by your card. Then, follow the instructions to enter the required information about your payment and submit it.

How to Make a First PREMIER® Bank Secured Credit Card Payment Online

1. Log in to your First PREMIER Bank account with your username and password.
2. Click the payment button located by your credit card.
3. Choose how much to pay, when...

You can pay your First PREMIER® Bank Secured Credit Card card deposit either online or by check (through mobile banking or by mail). For either method, you'll have to open a security deposit account. 

How to Pay Your First PREMIER® Bank Secured Credit Card Card Deposit Online

1. Visit First Premier Bank's secured card funding page.
2. Fill in the required information, like your name, zip code and SSN.
3. Click “Continue” to proceed and finish funding your secured credit card.

It's important...

You cannot fund your First PREMIER® Bank Secured Credit Card deposit with cash. The only ways to fund your security deposit are via check, or using a debit card or a credit card. If you fund your security deposit by check, the funds will be held for up to 6 days, and your account won't be opened and available to use for up to 10 days.

It's recommended you use a debit or credit card to pay your security...

You just have to cancel your card. Call them. They will refund the security deposit (minus any due balance) to the checking account you used to fund it, or they will issue a check. They do not offer the possibility to graduate to better cards, so if your credit improved, you'll need to apply for another card.

You can get a First PREMIER® Bank Secured Credit Card credit limit increase by adding additional funds to your security deposit for the card. You can do that using your linked online bank account.

This will increase your First PREMIER® Bank Secured Credit Card credit limit up to a maximum of $5,000. Once you increase your credit limit and start using your secured card responsibly, the issuer will also review your account on a regular basis and might offer you a chance to apply for an...

The maximum amount that you can deposit on a First PREMIER® Bank Secured Credit Card is $5,000. You don't have to deposit it all at account opening if you want a high credit limit. You can start low (min $200) and then add more money after your account is opened, to increase your credit limit.

You will receive your security deposit back if you have a $0 balance when you close the account.

To activate your First PREMIER® Bank Secured Credit Card, call the activation number that came with your new card. Once you verify the required information, your new First PREMIER® Bank Secured Credit Card will be activated and immediately available for purchases. It's best to activate your card as soon as possible, though you're not required to do so immediately.

How to Activate Your First PREMIER® Bank Secured Credit Card

1. Call the activation number that came with your card.
2. Verify your personal information with a representative or...

Yes, you do get your deposit back from a First PREMIER Bank secured credit card, as First PREMIER Bank will always refund the deposit in full when you close the account with no unpaid balance.

The only cases where you will not get your full deposit back from a First PREMIER Bank secured credit card are if there is a balance remaining when you close the account or if you default on your payments....