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First PREMIER® Bank Mastercard Credit Card
Info about the First PREMIER® Bank Mastercard Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Mar 3, 2020
Review: First PREMIER® Bank Mastercard Credit Card
- Very expensive. The First PREMIER Bank Mastercard Credit Card charges an application-processing fee, an annual fee and a monthly fee. The exact amounts depend on the credit limit you’re assigned, but the processing fee could be anywhere from $25 to $95. The annual fee ranges from $75 to $125 the first year and $45 to $49 each year thereafter. And the monthly fee (waived for the first year) could be as “low” as $6.25 or as high as $10.40.
Best case, you’ll have to pay roughly $290 in fees before the second anniversary of account opening. Worst case, you’ll have to shell out $404. In contrast, the average credit card would cost you about $34.7 over the first two years of use. And the best credit cards for people with the bad credit can be free to use.
- Very little payoff. Your credit limit could be anywhere from $300 to $1,000, depending on what First PREMIER thinks of your overall creditworthiness. But remember, you won’t have all of that at your disposal to start with. Given the First PREMIER Credit Card’s high fees, you may actually wind with very little extra spending power, relative to what you can afford in cash.
For example, if you’re assigned a $300 credit limit, you will have to pay a $95 processing fee before opening your account and then a $75 annual fee once you do, giving you just $130 in borrowing power to work with. Such a paltry amount won’t go very far when you’re faced with emergency expenses. And emergency borrowing is the only reason for someone with bad credit to use an unsecured card instead of a secured card.
- Market’s highest APR. The costs just keep on coming when you use the First PREMIER Bank Card. Balances carried from month to month will accrue interest at a whopping high annual rate. It’s by far the highest APR on the market, according to WalletHub’s database of 1,000+ credit card offers, and nearly double the 18.20% average among secured cards. Furthermore, as finance charges are added to your minimum monthly payment, you’ll have less and less borrowing power to work with the longer you carry a balance.
- Far better alternatives. Regardless of your exact need, you can do better than the First PREMIER Bank Credit Card. If you want a credit card to rebuild your credit, rather than emergency borrowing, there are better options, like no annual fee secured cards.
Mar 3, 2020
First PREMIER® Bank Mastercard 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 Mastercard 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. |
| Your account history reports to the major Consumer Reporting Agencies |
| Use your card everywhere Mastercard® cards are accepted. |
| 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 Mastercard 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 |
-
CASH ADVANCE APR
36%
-
CASH ADVANCE FEE
5% (min $8)
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Related Credit Card Categories
First PREMIER® Bank Mastercard 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 Mastercard Credit Card to our community.
How much is the First Premier Bank Mastercard cash advance limit? Reply 115
Theo Frank
@frankth19
Your First Premier Mastercard cash advance limit is 10% of your credit limit, or $30.
But you will need to obtain a PIN from First Premier before performing a cash advance.
You can reach their customer service department at 800-987-5521. You should also know that cash advances are quite expensive. You'll be charged a fee of 5% (min $8), and interest will immediately begin accruing at a 36% rate.
For more information about cash advances, check this guide.
11
Upvotes
Can I pay the fee with a MasterCard gift card? Reply 104
WalletHub
@WalletHub
No, unfortunately you cannot use a gift card to pay the application processing fee. You will need a bank account with a debit card to do so. Hope this helps.
10
Upvotes
How do I get a First Premier Bank Mastercard credit limit increase? Reply 6
Archie Harper
@aharpR
You can be considered for a First Premier Bank Mastercard credit limit increase once your account has been open for 13 months.
And that's only if you demonstrate responsible payment behavior and card use.
First Premier Bank, will charge you 25% of the credit limit increase.
If you didn't get an increase and want to see if you're eligible, call the number on the back of your card and ask.
6
Upvotes
Can transferring a charge off to a new account with the same company raise my credit score? I just received a letter from First Premier to a new First Premier Bank Platinum MasterCard. They say my old account will report as settled. It is interest free for one year and 19.9% there after. It seems to me that this only benefits First Premier. Is there any way this will help me or anyone else rebuild credit history? Reply 63
WalletHub
@WalletHub
Transferring a charge off to a new account will not improve your credit score. You will be able to rebuild your credit if you make payments on time and your account is in good standing. This positive information will show on your credit score.
6
Upvotes
How do you get a First Premier Bank Mastercard deposit refund? Reply 5
Samantha Hughes
@samantha_hughes
You will get your First Premier Bank Mastercard deposit refund after cancelling your card.
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.
5
Upvotes
How can I pay my First Premier Bank Mastercard fees? Reply 5
WalletHub
@WalletHub
Your First Premier Bank Mastercard payment options include paying by phone (800 501-6535) with a checking account or a debit card, paying on First Premier’s website with a checking account, or mailing a check or money order to First PREMIER Bank, PO Box 5529, Sioux Falls SD 57117-5529.
Lastly, you can pay using cash at MoneyGram locations, Western Union and other locations nationwide, which you can find here.
5
Upvotes
I was just approved for a First Premier card. Can I pay the processing fee online using my debit card? Reply 56
WalletHub
@WalletHub
Yes, you can pay the processing fee with a debit card or a credit card. Best of luck.
5
Upvotes
First PREMIER® Bank Mastercard Credit Card Reviews
Share your insights and review the First PREMIER® Bank Mastercard Credit Card.
Jul 18, 2019
This place is a complete rip off, pay $100 to get a credit card. Everytime i go to use it, they claim not enough funds. I look and there is an available balance. This month I paid $100.00 to take directly out of my bank account. They put a hold of 7 days on a bank draft!?! Can you imagine all the people that have holds for 7 days??? That is interest free money. I CLOSED THE ACCOUNT - STAY AWAY… show more
Comment
Jul 05, 2019
I have to say....if you are upset about the fees, you have no one to blame but yourself. Hard lessons learned. Read the fine print. I guess most didn’t. If u Google u will find plenty of people who will tell you how to keep you fees low. I keep seeing people asking about atms. No wonder you have high fees!!
Jul 02, 2019
I paid my total balance last week which was due by July 5th, my limit is $400. My available credit is still at where it was before I made my payment a week after I made the payment. The app says payment was posted. My question is when does my available credit go back to $400?
08/18/19
Ridiculous company! My limit is $700. My balance has never been more then 610. I was in grocery store and still had 180 left to make purchases. The bill was 135 and it declined the 35. Then tonight it says I only have $11 available even though my balance is $603! And of course no way to contact anyone because they are closed as always! After the grocery store incident I called them and they said that shouldn’t had happened and to call next time available credit isn’t processing correctly. However like I said small window to contact them! I am going to pay off ASAP and close the account. Stay away from it. Seriously!… show more
07/05/19
Did you pay by debit card over the phone or via the app? That’s the way to get it posted immediately
Jun 29, 2019
The worst, most deceptive card ever. After almost two years, never late once, BAMM a $260 AUTODRAFT from Sioux Falls, SD. So I call them and in order to dispute a charge, mail your dispute to, Guess Where? SIoux Falls. the charge was from them. Holy Cow ! I have 0% interest cards, a 740 credit rating and this card has only a $700 limit. Nowhere do you find an annual fee of $260. Closing this fraud ASAP. Thanks Congress !!!… show more
Jun 20, 2019
This one of the most expensive credit cards to rebuild your credit. I don't recommend this card to my worst enemy. The fees are high as they can be. You will owe more to the card before you can get started. I apply for 2 cards one was this and the other was Capital one. Now there was no annual fee, there was no set up fee. They gave you the credit you deserve and let you earn more in 6 months. I'm definitely going to pay this card off and only spend like $25 for gas to keep the points going up. Other than that ver disappointed in the FIRST PREMIER they seem to be rip offs putting you in more debt than you start with.… show more
Jun 15, 2019
Horrible company ever. Took my money and then closed my account. They are a fraud rip off scam and non helpfull. Rebuild my credit right only messed it up more and took all my money. Stay away from them.
Jun 14, 2019
I think that people with poor credit always have a negative insight on policies, hence the negative reviews on most of these cards for bad credit holders. If you read the terms going in, which we all do, no one can lie and say they didn't, you know what to expect. Just because you defaulted on a payment or can't pay your balances in full, or withdrew money you now owe interest on, does not mean the company is bad lol. I mean, come on, they are extending credit to people who have a zero chance with the major companies. Be realistic, stop complaining, stop maxing out the cards to the point of not being able to maintain them, and you'll be fine. Fees are fees!! Low or high, you signed up for them. Pay the high fees for as long as it takes to be offered the better cards out there, then cancel this one. It's that simple. And anyone to cancel or not deal with a card like this, because of these poor reviews, does not have a mind of their own. Each person's circumstances are different and each person utilizes credit in a different way. My initial credit limit was $300 which is now $400 after paying the fees! I took one star away because of the poor quality of the website, which tells me that they're not as up to date as they should be.… show more
09/09/19
Ii always pay on time and in full, and I even understand the high fees, no problem. But taking 14 days to clear a bank draft that posted from my bank account 6 days ago. That is ridiculous. Some people say that next time I should use my debit card and pay over the phone. I will definitely try that because this is ridiculous.
07/05/19
That’s cool. I paid the fees too and my original limit was 300 ...now they don’t have a limit set so I’m hoping it’s a little higher lol...is that how it happened with you?
Jun 05, 2019
HORRIBLE CARD HUGE FEES EVEN FEES TO REQUEST CREDIT LIMIT INCREASE. MONEY MAKING SCAM
Upon your request, PREMIER Bankcard will review your account for a possible credit limit increase. It may take up to 14 days to process your request and an inquiry to the Consumer Reporting Agency to verify your income and debt obligations (payments) may occur. If the credit limit increase is approved, your account will be billed a "Credit Limit Increase Fee" in the amount of 25% for the approved increase amount. For example if you are approved for a $100 credit limit increase, you will be assessed a $25 fee. Click "Request Increase" to have your account reviewed for an increase.… show more
Upon your request, PREMIER Bankcard will review your account for a possible credit limit increase. It may take up to 14 days to process your request and an inquiry to the Consumer Reporting Agency to verify your income and debt obligations (payments) may occur. If the credit limit increase is approved, your account will be billed a "Credit Limit Increase Fee" in the amount of 25% for the approved increase amount. For example if you are approved for a $100 credit limit increase, you will be assessed a $25 fee. Click "Request Increase" to have your account reviewed for an increase.… show more
Jun 01, 2019
Do Not Get This Card!!!! This Company WILL Rip You Off!!! This is one of those companies that know they will never be able to keep a customer longer than the first bill, so they rip you off for everything you have right off the bat. This is NOT a legitimate company! Beware! This "company" will charge interest on each individual charge at the highest amount possible. EACH CHARGE, EACH MONTH!!! You will LOSE ALOT of MONEY by doing business with this company. If you are contemplating getting a premier credit card, please contact me first. I have some oceanfront property in Arizona that will be just perfect for you!… show more
May 21, 2019
Terrible card!!! Will rip you off in every way imaginable. Fees to get started,fees for credit limit increases, annually fees, and definitely will find ANY REASON TO CLOSE OUT YOUR ACCOUNT!!!! Straight up CROOKS SERIOUSLY!!!!!!!!!!!
May 21, 2019
The worst customer service. They are very expensive and they hurt your credit way more than they help it. This is the worst credit card company Ever. Please if you are trying to build your credit do not choose this credit card company. Try anything else. If I could give them a zero I would. My credit was higher before them and now I have to fix what they ruined.
May 10, 2019
The fees are high but it beats putting up 300 on a secured card am I right. Will not be using this card often as I hear there are high hidden fees.i jist want to increase my credit score. Yes i paid the 95.00 processing program fee and another 75 annual fee leaving me with credit limit of 225. Im just happy I got approved.
Apr 24, 2019
If I could give this card and company zero stars, I would! It’s been an absolute nightmare with all the fees and interest. I had my card paid down to a zero balance and happily closed it. When closing the card over the phone the employee happily told me that I had a zero balance on the card and would owe nothing in the future, however I’m STILL being harassed by calls saying that I owe them $95.00! Absolutely ridiculous! I closed at a zero balance. NEVER do business with these people.… show more
Apr 03, 2019
The worst card I have ever had. Run, do not walk away! They are scam artists with terrible customer service and they are thieves. I paid off both accounts in FULL and asked them to close both of my accounts. They gave me a song and dance about how terrible it would be for my credit to close it and tried to virtually bully me into keeping my accounts open. I continuously told the pushy representative that I wanted to close my accounts and do not want to give them another penny if my money. She offered to waive monthly fees, reduce my APR to 18%, etc. when I declined she was rude and said that my accounts would be closed. Fast forward to this month and they did not close both of my accounts and even took 57 dollars out of my bank account as an automatic payment which i have no idea what for since I paid my accounts in full. Not only did they lie about closing my accounts but they stole from me as well! I’m on the phone with my bank to reverse charges and of course first premier offices are closed and I can’t get ahold of anyone to give them a piece of my mind. My account that is still open against my wishes is showing a balance of negative 57 dollars now. Perhaps a tactic to get me to keep the account open? I am livid. Avoid this terrible company at all costs.… show more
Mar 27, 2019
I got my card in the mail, it is laying on my desk, I am trying to decide whether to activate it or not. After reading the comments, here's my take: Read the fine print. Everything that people are complaining about is in the paperwork. It tells you they are going to charge the $99 annual fee as soon as you activate the card. The interest rate and fees are horrible - it's all in there. Let the buyer beware. I'm trying to decide if I want to spend $194 to have access to $301.… show more
Mar 20, 2019
wow!!! fool me once. they got me. not trippin though. it is what it is no point complaining. should have read everything i could about this company... my fault. anyone looking at this card, be advised to look elsewhere.
Mar 18, 2019
Criminal would be the only word to describe their business. They charge you to have the card, the charge you to increase your limit, ....they charge you for everything. After four years will a perfect payment history and paid off balances I ignored all the credit pundits and their "dont close your old credit cards" nonsense and said goodbye to these parasites for good. They prey on folks with bad credit.
Mar 14, 2019
Credit suicide! I've never been so violated by a credit card co. I knew I was getting ripped off. I accepted it because I was desperate to start building credit. Within 3 months my minimum payment climbed from $30 to over $70. I don't know where all the fees were coming from and I don't want to know.
I closed my account. It was by reading these reviews on Wallethub that I even dared venturing into this dangerous territory. Read the reviews on Credit Karma.… show more
I closed my account. It was by reading these reviews on Wallethub that I even dared venturing into this dangerous territory. Read the reviews on Credit Karma.… show more
Mar 14, 2019
The WORST credit card I've ever had. Customer service absolutely sucks. They will permanently close your account and not tell you but allow you to pay off your balance. I tried calling for weeks but when i put the last 4 of my card in they would claim to be closed during business hours and days. They make you pay a ton of hidden fees and fines. Then play dumb when you ask about it. Will NEVER get this card again and I will make sure no one I know gets sucked into this scam.… show more
Mar 05, 2019
Horrible customer service, uneducated electronic transfers team. I got the card to build my credit score and this bank refused my online and debit card payments. Ruined my fair credit....don't bank with these guys for any reason!
Feb 27, 2019
i would give 0 star if i could. this bank is run by thugs. i sent in money orders, but they claimed that never received. terrible payment method available, unprofessional systems. avoid at all costs!!
Feb 21, 2019
I advise anybody dont sign up to this bullshit credit card company I'm laying in the hospital an told these mfs i need a couple of days until next week so i can make my payment an she told me i will be charged a late fee 2morw an i been a card holder for 4 years smh im done im calling to cancel my card right now these rude ass bastards ! An that bitch that answered my call was rude asf fuck yall… show more
Feb 12, 2019
If you want a card that charges so many fees that you don't have to worry about making purchases because you're always over the limit this card is for you! Don't worry when they max out your first card they will say what good credit you have and offer to open a new account so they can max it out with more fees. I closed my account and paid full balance. DON'T FALL FOR THEIR OFFERS!!!… show more
Jan 21, 2019
CAUTION!!! RUN RUN RUN FROM THIS CARD DON'T DO IT FOR BILLS DON'T DO IT FOR CREDIT BUILDING!!! I am not angry with them even though I lost money. I just want to warn customers before the headache and losses happen to someone else. Here is what's understood $95 program fee $125 one time annual fee. Boom after the first year of having the card you'll a $10 a month convenience fee after your $49 annual that's the catch it double FEES can not be justified. Now the plot thickens because firstly you have to recieve the card that will never come in the mail no matter how much you call First Premier the only way you get a tracking number is to commit more money to a card you never recieved of $35 its a total lost. You will read different experiences do your homework compare to convince yourself to make the biggest mistake no matter how much your approval is DON'T TRUST THIS CARD you have been warned. If there was a no star to give negative 1000 stars… show more
Jan 21, 2019
I have had the card now for about 6months and they have since cancelled the account after taking the money out of my account and saying i still owe to them what they already recieved as payment. I would NEVER recommend this card to anyone i wish i could rank it at 0 stars
Jan 13, 2019
Can I pay my bill through western union? Or do I have to pay online? I need an answer as soon as possible because my bill is over due and I don't have another card to pay with only cash can someone help me
Dec 31, 2018
I started with 1st premier 5yrs ago, and despote what I was told, I have enjoyed my credit privileges with a Mastercard, and Platinum Card with an 850.00 limit on one and 950.00 on the other one, and regularly reporting to the credit bureaus, in great standing! Real talk? When your credit is bad, you want respect? Pay your bills! Respect is earned, and not given! You don't get red carpet treatment with a 500 credit score! Sorry, but not happening, and 5 yrs ago i started with 1st premier and now I have over 50k in available credit, because I paid my bills ontime! Amex-2 cards, Chase-2 cards, and a host of others, and those blessings wouldnt have been possible without me starting somewhere! I started with 1st Premier, and from the bottom of my heart, THANK YOU! Mercedes, 2 BMW's, Cadillac, Ccrvette, F250, Expedition, Jeep , buying a yacht, you heard me! Dam right! And an estate dream home in the fall! Thank you Lord! Thanks 1st Premier for giving me a chance to start somewhere, and you will always be apart of my financial picture, as long as I live! The secret! Pay your credit card weekly! Not once a month! You will find that favor will be shown you, in doimg so! Credit card balances cant be managed once a month, and if you pay minimum payments every month, nobody will take you seriously! Never pay minimum payments! Always add 20.00 to the minimum if possible! Thats how you manage credit card balances! One payment takes care of the balance, but the others go directly to the principle! Believe what you want and do as you please, but I'm with 1st Premier until Jesus comes baby! Luv my 1st Premier Bank/ Staff! Real hustas pay their bills, not cey about them, or pretend they don't exist! You wanna Bentley, but you struggling with 2000.00 a month! Child please! Grow up! Handle your business, and get your blessings! This is my testimony and my personal experience with this Bank! They got in my behind, pissed me off, and sometimes made me feel like, as a customer, I was worthless, but now, I'm older! Wiser! I understand now! Sky's the limit! Any questions? 2 fangaz baby! Gone!
Reguards,
Timothy Geer USMC/USAF
CEO/ GW GEER & SONS, LLC… show more
Reguards,
Timothy Geer USMC/USAF
CEO/ GW GEER & SONS, LLC… show more
Dec 12, 2018
BEWARE PLEASE do not do it, you will regret it! I received a $ 700 credit and paid on time for 6 months valance and they offered me another $ 700 card. I made automatic MINIMUM payments debited from my checking account all the time. pay annual charges separately of $ 75. plus $ 12 extra monthly (for each card) for owning the card. plus all the charges that they want to add you. My paper statements never arrived and I decided to talk to them to see what happened. I needed to see how much they were charging me. the website is disgusting. They only allow you to see the valance but not the hidden charges. I was perplexed to see him pay this shameless bank around $ 1 100. dollars in nonsense interests.
$ 75 x 2/HALF = $ 225 ANNUAL FEE
$ 12 X 18 months X 1 card + $12X12 months 1 card = $ 360 MONTHLY FEE
$ 281 (FIRST CARD IN ONE YEAR) INTEREST CHARGE ON PURCHASES.
$ 196 (SECOND CARD IN ONE YEAR) INTEREST CHARGE ON PURCHASES.
TOTAL = $ 1 062.00 dollars thrown away in 1 year for using this shit and my credit was always in the same place. This is a theft without justification, do not let it happen to you.… show more
$ 75 x 2/HALF = $ 225 ANNUAL FEE
$ 12 X 18 months X 1 card + $12X12 months 1 card = $ 360 MONTHLY FEE
$ 281 (FIRST CARD IN ONE YEAR) INTEREST CHARGE ON PURCHASES.
$ 196 (SECOND CARD IN ONE YEAR) INTEREST CHARGE ON PURCHASES.
TOTAL = $ 1 062.00 dollars thrown away in 1 year for using this shit and my credit was always in the same place. This is a theft without justification, do not let it happen to you.… show more
Dec 12, 2018
I was approved for a $700 credit limit on 12/3, I needed some extra for Christmas shopping. They are charging a $79 annual fee plus $8 monthly fee, that's $175 annually plus high interest rates. When you recieve the card you're $87 in the hole. It seemed like a bad deal to me, so I called today and canceled the card.
Nov 28, 2018
Made my payment on time still got hit with a late fee. They wont do anything to reverse the fee. So much for always making my payment on time. This card is a joke. Customer service is absolute garbage and will not even try to understand the problem.
Nov 25, 2018
A One Star review is being generous. I would have gone lower if I could. I got this card because the offer came in the mail and I needed money for some bills. I paid my first payment fine, but when I tried to pay my second, their site said that it went through...until a month later when I got a bill for that amount plus a late fee and another fee. Now the payment was $104 instead of $39. I tried to pay it and got an error, followed by a message saying that I was over my allowed attempts to pay and that my card had been suspended. After trying to get ahold of them, I finally succeeded. The person didn't listen to a word I said and didn't fix anything. I now owe over $220...because of their failings. I will never use this company again, nor will I ever have anything good to say about them to others.… show more
Nov 23, 2018
The security department is horrible. I made too many payments to my card??? Clearly you can see the transactions are for car rentals. FPB suspenses my acct for fraud in October. I’m paying my acct from my debit card. But I complied with the requests to provide a statement from my bank proving that is my debit car making those payments. FPB receives this information NOVEMBER 7 told me everything was all clear NOVEMBER 12. Why when I attempted to make a payment they would not except it because the security department forgot to take the hold off. It is now NOVEMBER 23. The security team did nothing absolutely nothing to resolve my concerns in a timely manner or at all. They don’t take phone calls and they cost me $300 in Uber costs because I could not rent a car during the investigation. What investigation??? I spearheaded all communications!!!!! THE SECURITY FRAUD DEPARTMENT IS HORRIBLE!!!!!… show more
Nov 10, 2018
Charges 14.50 monthly fee, AND 49.00 annual fee. I thought maybe they would remove the fees after I have paid on time for the pass 3 years 8 months, but they refuse. They even continue to charge you for a credit line increase, that THEY offer you! Then they'll harass you to get a second card so that they can get double the fees by charging you these same fees on the 2nd card! And I can't drop the card right now because this will drop my credit score and I need my scores to purchase a home. I say do some research and find a card that will drop or lower fees over time when you are making timely payments, otherwise you'll be stuck with these crazy fees!… show more
11/10/18
And on top of it all, when you make a payment, they hold that payment for a week before it is withdrawn from your checking account and before it is available for use again. And even as an almost 4 year, grade A customer, you can't even negotiate wifh them. DO NOT CHOOSE THIS CARD YOU WILL REGRET!
Nov 05, 2018
They just suspended my card for being a good customer. I pay my balances in full every 2 weeks, and because of this, they think I am doing fradualant activity! What??? All I am trying to do is repair my credit and have a good payment history! Wow, they made me photocopy the card I use to pay front and back and fax it to them. Are you kidding me? I have never been punished for being a good customer, Sad! Here's the worst part because I pay the balance in full that leaves me short a week so I use the card until I get paid, now I can't! They have left me in a rock and hard place.… show more
11/05/18
Customer service is disgusting, paid 408... dollars, they took my money and then told me, my deposit was not valid, may be a prepaid card I paid with but it is still linked to my bank account and federally secured, I can see every transaction that comes out. I will be filing a complaint regarding this!
Oct 28, 2018
Expensive, overrated, fee-centric, AVOID like the plague! There are PLENTY of OTHER, better credit-rebuilding cards to use!
This company has you jump through all kinds of hoops. They expect much, and give way too little back!
This company has you jump through all kinds of hoops. They expect much, and give way too little back!
Oct 22, 2018
Horrible card, don’t tell you up front about the fees until after they’ve hit you CR check, $99 start up fee and $95 annual fee. Can’t use most places without a pin.
I’m not sure about the monthly fees yet but I’m sure I’ll find out next months bill
I’m not sure about the monthly fees yet but I’m sure I’ll find out next months bill
Oct 22, 2018
I just got approved for a $700 starting limit. I read the disclosures and there’s nothing on mine about this processing fee to be paid prior to getting the card. Just shows the $75 fee and $8 month, with approx $613 credit available at arrival. Have any of you not had to pay that processing fee? On other first premier sites, it does mention the $95 processing fee and with a lower starting limit than the recommendation for the card I just applied for.… show more
10/23/18
I was just approved today as well for a $700 credit limit. I have not seen anything about the processing fee either. Someone else I know got a limit for $500 and had to pay a fee of $29 to get her card. I'm curious if over $500 there isn't one
10/23/18
I was just approved today as well for a $700 credit limit. I have not seen anything about the processing fee either. Someone else I know got a limit for $500 and had to pay a fee of $29 to get her card. I'm curious if over $500 there isn't one
Sep 24, 2018
HORRIBLE!!!
Very high interest rate. and SOOOOO many hidden fees.
I have never made a late payment on this card so no fees were due to late payments. After having the card for a year, I asked for a credit limit increase.
They increased it by $100, but charged me $120 in fees!!! what?????
TWO $20 Credit check fees (they charged me for this twice and would not reverse one of them); $25 credit limit increase fees; $25 annual fee happened to go through at the same time; and two random "monthly fees" totaling $30 that I had never been charged for in the past all of the sudden started showing up.
Also, just a heads up. When you first receive this card, you may have a credit limit of $300, but they charge you so many fees at startup that you do not have the full balance available. a $95 processing fee, and then another $99 startup fee. so the available balance at the beginning is only $106. And you start your new card off with a balance that you owe of $194.00
DO NOT GET THIS CARD. they are total scammers.… show more
Very high interest rate. and SOOOOO many hidden fees.
I have never made a late payment on this card so no fees were due to late payments. After having the card for a year, I asked for a credit limit increase.
They increased it by $100, but charged me $120 in fees!!! what?????
TWO $20 Credit check fees (they charged me for this twice and would not reverse one of them); $25 credit limit increase fees; $25 annual fee happened to go through at the same time; and two random "monthly fees" totaling $30 that I had never been charged for in the past all of the sudden started showing up.
Also, just a heads up. When you first receive this card, you may have a credit limit of $300, but they charge you so many fees at startup that you do not have the full balance available. a $95 processing fee, and then another $99 startup fee. so the available balance at the beginning is only $106. And you start your new card off with a balance that you owe of $194.00
DO NOT GET THIS CARD. they are total scammers.… show more
09/26/18
I did have a capital one credit card with a very bad APR of 18 % and i it was really apain in the ass for me. I applied for various cards and i was denied until i used the help of a very good engineer who helped raise my credit score to a 795 and delete negatives on my report, Now i have been approved a new amex card and i cant express how happy i am. I sincerely advise those seeking real credit restoration to reach out to MASTERCREDITFIX at GMAIL dot COM and just let him know I referred you and he would respond swiftly.… show more
Sep 21, 2018
WORST CARD EVER......THE INTEREST RATE IS TO HIGH AND IT TAKES THEM FOREVER TO OFFER YOU A CREDIT INCREASE, I'M IN THE PROCESS OF CLOSING MY ACCOUNT AS WE SPEAK.....NEVER WILL I EVER USE THIS CARD AGAIN
Sep 19, 2018
I have had no problems with this card. I pay my bill by debit card so the payment post the next day. I do wish the fees were not so high but I guess that is the price you pay for having bad credit.
Fortunately, my credit score has increase by over 100 points since I got this card so I don't have need for it anymore. I will be cancelling before the annual fee.
Everyone is complaining about the fees and I completely understand that. I will say keep the card for a few months to increase your credit score if you don't mind paying the fees and then move on the better cards.… show more
Fortunately, my credit score has increase by over 100 points since I got this card so I don't have need for it anymore. I will be cancelling before the annual fee.
Everyone is complaining about the fees and I completely understand that. I will say keep the card for a few months to increase your credit score if you don't mind paying the fees and then move on the better cards.… show more
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Last updated on: March 3rd, 2020 at 11:15
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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: Mar 3rd, 2020 at 11:15 ET