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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 credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Jan 20, 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 18.48% 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.
Jan 20, 2020
Another popular card for you
Credit One Bank® Platinum Visa® for Rebuilding Credit
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
19.49% - 25.49% (V)
Annual Fee
$0 - $99
Rewards Rate
0 - 1% Cash Back
Minimum Credit
Bad
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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 50 - $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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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 can I make a payment? Reply 7362
WalletHub
@WalletHub
You can make a payment over the phone (800-987-5521) or online, by logging into your account at: https://firstpremier.com . Hope this helps.
73
Upvotes
I just got approved for my Premier credit card and paid a fee of $89. When will I get it? Reply 6759
WalletHub
@WalletHub
You will have to wait between 7 to 10 business days to receive it. If you don't receive it in this timeframe, it's best to call customer service at 800-987-5521 and see what's going on. Best of luck!
67
Upvotes
Why can't I get a First Premier Bank Mastercard cash advance? Reply 4638
Laura Reyer
@laura_reyer
The most probable reason for a First Premier Bank Mastercard cash advance denial is the lack of available credit.
Your cash advance limit isn't the same as your credit limit. Even though you might still have some left, cash advances are usually capped at 10% for the first couple of months, and at 50% afterwards. If you're not sure, you can just call their customer service line, and find out for sure. Their number is 800-987-5521.
Please take into account that cash advances are extremely expensive, so you may want to look into alternatives.
46
Upvotes
How do I check my balance? Reply 3322
WalletHub
@WalletHub
You can check your current balance by enrolling your account for online management at: https://www.mypremiercreditcard.com/login.aspx
33
Upvotes
Where can I get a First Premier Bank Mastercard cash advance? Reply 2822
WalletHub
@WalletHub
You should be able to get a First Premier Bank Platinum cash advance from most ATMs, as long as you’ve obtained an account PIN from First Premier. You can get a PIN by calling 1 (800) 501-6535.
Just remember that credit cash advances are really expensive, so it's best to avoid them unless you are in an emergency situation.
28
Upvotes
Can I take out the whole $225 after I pay the $95 processing fee? Reply 2624
WalletHub
@WalletHub
No, not immediately. After paying the processing fee, your card will be mailed to you, and that will take up to 10 business days. After receiving your card, you will need to get your PIN number, in order to get access to ATM cash advances. You can require it by calling customer service at 800-987-5521 . Then you will be able to withdraw the money available in your credit line minus the cash advance fee. However, we strongly advise against cash advances except in cases of absolute emergency, as you’ll be charged a fee of 5% (min $6) and interest will immediately begin accruing at a 36% rate. Hope this helps.
26
Upvotes
If I have a $300 limit and after the $75 dollar fee the balance is $225, how much cash can be taken off the card? Reply 2319
WalletHub
@WalletHub
Your initial cash advance limit is 10% of your spending limit, but it can jump to 50% after your account has been open for at least 90 days, provided it’s in good standing. That means you could withdraw up to $30 initially and up to $150 later on. However, keep in mind that you will be charged a 5% cash advance fee, and the amount that you withdraw will immediately begin accruing interest at a rate of 36%. It’s not worth incurring such costs for anything but the biggest financial emergencies. At least you will be able to save a bit of money on ATM-owner fees by using one of 24,000 surcharge-free locations: https://firstpremier.com/locations/ . Please let us know if you have any other questions.
23
Upvotes
How does the cash advance work? Reply 2116
WalletHub
@WalletHub
You can learn everything you need to know from our guide on the topic, here: https://wallethub.com/edu/credit-card-cash-advance/25829/. Basically, a cash advance entails using your credit card like a debit card at an ATM. But the cash you receive comes from your credit line and thus incurs interest, which begins accruing immediately. You will also be assessed a hefty fee. In this card’s case, the fee is 5% (min $6) and the interest rate is 36% can use your card at ATMs to get a cash advance. You will need to obtain a cash advance PIN from First Premier if you haven’t made this type of transaction before. You do so by calling First Premier’s customer service department at: 800-987-5521. Finally, you should make sure to use an ATM that does not assess an owner surcharge. You can find the nearest such locations here: https://firstpremier.com/locations/ . Hope this helps.
21
Upvotes
Why won't the ATM give me a cash advance? Reply 2114
WalletHub
@WalletHub
Assuming that you’ve already obtained a cash advance PIN from First Premier (i.e., you’ve done a cash advance with this card before), it could either be a technical issue with the ATM or a sign that you didn’t have enough available credit to accommodate the amount of the transaction. Related to that last part, if you recently maxed out your card, it’s possible that First Premier responded by lowering your credit limit. The easiest way to find out for sure is to give First Premier’s customer service department a call, at: 800-987-5521 .
21
Upvotes
How do I get a First Premier Bank Platinum credit limit increase? Reply 1611
WalletHub
@WalletHub
You can request a First Premier Bank Platinum credit limit increase through your online account here.
You can also make the request by phone (800-987-5521), or if you happen to live in South Dakota, at one of First Premier’s branch locations.
Just bear in mind that approval for a higher limit isn’t guaranteed. It depends on your recent payment history and overall creditworthiness.
In addition to that, you will be charged a fee equal to a quarter of the difference between your old and new limits. So if your limit is raised by $200, you pay a $50 fee, which is a lot.
16
Upvotes
First PREMIER® Bank Mastercard Credit Card Reviews
Share your insights and review the First PREMIER® Bank Mastercard Credit Card.
Jan 18, 2020
This company was a huge mistake! My credit is slowly recovering from student loans from when I was very young. I currently have a credit card through my bank and have kept a spotless payment record for over 2 years now. This card has a massive intrest rate, which isnt an issue because I pay my cards in full each month. To start off, they charged me a fee to enroll in the program that had to be paid before even shipping the card ($99 I beleive). When I finally hor the card in the mail, I activated it and it already had another $99 processing fee on my statement. I had the card two months, paid the first statement in full, the second month I tried to use my card for fuel and it declined. Knowing I had paid it in full, I called the company to which I was told I had been flagged for fraud due to some issue with my address and social. They asked me to fax them a copy of my license and a copy of my social card. I sent my I.D. immediately but had to file for a new social card, they explained I could use a written letter from my employer as well. That week I broke my leg and was off work, called my HR coordinator and had her fax the letter with the info they requested. I called several times only to be told they havent received my paperwork just yet and it can take up to 10 days for them to get it and get my account situated. About a week later I get a letter saying my card was canceled because I didnt get the paperwork to thwm in time. Now im out of the $200 investment to use this card. A coworker of mine had the exact same thing happen to him. I do beleive they have a pretty elaborate scam going, I would recommend to anyone building credit, just pay the down payment on a secured card woth half the rate these crooks charge, ultimately you will be paying the same amount to use their "unsecured card". These people are trash!!!… show more
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Jan 10, 2020
I gave first Premier one star, because it was the first catd tgat i received once i started rebuilding my credit. But i am begging eveeyone who reads tgis to never do business with First Premier. They take advantage of people who are in desowrate situations. They habe the highest interest rates and thats not enough. They hit you with a monthly fee, just for having an account with them and they charge the maximum annual fee. They even play this trick with a hardship plan if you beg and plead. Once you start making the amount that is agreed upon on a hardship plan, they will send you a statement that aaks you to pay a diffetent amount. Next, they tell you that its your own fault, because you should have ignored the statement and continued to follow the previous agreement and therefore they kick you off of the hardship plan. People, please do not do business with First Premier. Get a secured account to start with or go with another credit card company. Tell everyone you know that First Premier Bank will take advantage of you and rip you off.… show more
Jan 09, 2020
This is the worst credit card my husband or I ever had. We've had it about two years now. Never used it, but have paid so much money between monthly fees and annual fees, etc. When I discovered that interest was being charged on the $12.00 monthly membership fee listed under purchases, I called them. I was told that the $12.00 fee was for "purchasing a service from them, and that was why I was being charged the interest fee". Really!?!… show more
Dec 23, 2019
Generally it's an okay credit card for rebuilding your credit so far but some things are kind of ridiculous for example I submitted $250 in payments a week before Christmas so that I had no balance and that I would have extra Christmas money on there what they don't tell you is they decided to put like up to a 20-day hold because I did it through a checking account and they can hold the money for up to 20 days before giving you any available credit so even though they've taken $250 out of my bank account I have 0 available credit and I was paying it before my due datewhen I called customer service they said it would be held for another three to four days at least and that it's because my checking account is not considered a guaranteed form of payment even though they already took it out of my checking account I'm pretty sure when you take something out it's already guaranteed by the fact that you took possession of that money I find that to be a little ridiculous and I'm starting to feel like because they're holding it for two days after my statement date it's so that they can charge me the interest on it so I can't wait to see the bill to see if they charge me interest for paying it two weeks early… show more
Dec 18, 2019
I had credit with First Premier Bank Master Card. I started with a $700.00 credit line and asked for a credit increase they approved $100.00 and billed me $25.00 for the increased. I paid of the account and ran into some unexpected expeditures. so I called First Premier Bank Master Card to ask for the account to be reopened. The Representative I spoke to said the account was reopened with the $800.00 credit line. The next day I telephoned to confirmed that the account was opened and to make a purchase. The account was not reopened and I was told it was in the stage of my identity been verified and was given a Fax number for me to fax over credentials. I faxed my drivers license, social security card, my voter registration and my ATF License. It has been 5 days and still the account has not been reopened. I’m canceling the account and will never ever do business with this bank again. They have absurd annual fee, monthly maintenance fee and their interest rate is very high . First Premier Bank are Loan sharks. BEWARE I DO NOT RECOMMEND READ ALL THE REVIEWS OUT OF 5 STARS RATING THEY RATE 1 AND THAT 1 STAR IS REALLY NOT MERITED. MORE LIKE A 0 STAR SHOULD BE THEIR RATING. BEWARE IF YOU DO BUSINESS WITH FIRST PREMIER YOU WILL BE SORRY… show more
01/18/20
They flagged me for fraud immediately, and shut my card down saying they have never gotten my paperwork. They have a scam going to steal peoples money under false pretenses aside from their insane interest rates. I'd love to file a lawsuit against them, a friend of mine had the same happen to him. So in just us 3 people they've made $600 and will cancel your card if they "dont receive" your paperwork. Forcing you to repay the $200 to start the account again.… show more
Dec 14, 2019
I paid annual fee of $99 for a credit line of 400 but only recieved $300 so what happened to the $99.00 + $100. I just sent them inquiry hope i hear from them soon. But in general i like the card services since im building my credit
01/18/20
They did the same to me, an auto deduction is added to the card to pay your first year fee is what I was told.
Dec 07, 2019
0 stars but made me choose 1 star and that’s being generous.. Paid balance in full and cancelled account. Received another bill. I don’t care how bad your credit is. Do NOT get this card. 36% interest rate!! Plus a monthly fee PLUS a yearly fee. NOT worth keeping and the monthly payments are stupid high. Customer service is atrocious too. Do not recommend.
Dec 06, 2019
This card and company is all about taking your money. I got this card to help build up my credit. I didnt realized this card had a monthly fee. Also a high yearly fee of $79. I asked them to close the account like a month or two after. Since then im akway getting some extra fees or a late fee. Speaking of late fees there isnt a grace period and i definitely dont like. I would be 1 day late and they tack on a late fee immediately. This is real ridiculous. They are nothing more than loan sharks.… show more
Nov 26, 2019
I got this card about 1.5 months ago. Paid the $95 fee to activate my card. Spent the money, next pay day paid $200 on the card. Went to walmart the following day to buy groceries and my card kept being declined after calling and spending 30 mins on the phone with them, they had them call my bank because they had to make sure it was me that made the payment amd making sure I'm an authorized user on the bank acct (duh, cause no one else is going to pay my bill) they finally reactivated my card and I got to buy my groceries. Here I am again, I made a $50 payment. ( minium is $30, and I paid it before it was due, as I always do with my bills) my card has been suspened because now they need to verify my SS# and address. All the info I put in when I got approved to get the card and the address of which where I recieve my statments from the company?!. Now they want me to fax in more info. This is ridiculous. I'm not putting anymore payments on this card, I'm done. If i could give 0 stars I would. And will consider my $50 payment a loss. Perfect timing right at Christmas time too. All I wanted to do was order some food to be delivered. Thanks a lot A-Holes… show more
01/18/20
You arent alone, they flag almost everybody then will keep denying they received your info, just so they can cancel your card and keep the money, it's happened to everyone I know that has tried this card.
Nov 25, 2019
My daughter lost her card a year ago and have been waiting on a new card for a year they continue to charge her for a card she does not have she call monthly and still no card this company has ruin her credit even more
All they say is we will send you a new card they been saying that for a year. She finally cancelled it today. This company is a fraud . She is filing with BBB.… show more
All they say is we will send you a new card they been saying that for a year. She finally cancelled it today. This company is a fraud . She is filing with BBB.… show more
Nov 25, 2019
Wouldn’t recommend to my worse enemy account was suspended because I made my payment on times. Was told they sent me a letter in October but I was using my card on October when in fact it didn’t happen until November. Customer service is horrible
Nov 14, 2019
Verified Customer
Please dont get this card! They will easily Prove you for this credit card when your credit is poor but once you credit has improved, they will not drop any of the monthly and annual fees. They will kill you with the monthly fees and they will not drop them under no circumstances, so you are stuck having to keep the card because it is your oldest standing account and you don't want your credit to drop if you close the account, so you feel stuck. Get a secured credit card with $300 deposit instead, from a bank with no annual or monthly fees. Try Bank of America or Wellsfargo secured credit card.… show more
Nov 14, 2019
I have 2 First Premier Credit Cards, it’s very convenient when you have bad credit and are trying to build your credit back up but if you have decent credit I would not recommend First Premier, the fees are outrageous, annual fee, monthly maintenance fee not sure what they maintenance but ok and also a credit limit increase fee! There’s basically a fee for everything! I can’t wait to pay these 2 credit cards off completely and close both of my accounts!… show more
Nov 07, 2019
Made my first payment on this card. Paid off the card only to find oit i wouldnt jave my funds for up to 20 days. Would have been nice to know instead of thinking i would have the money available on my card. Thinking of cancelling the card. I do not recommend First Premier Bank to anyone.
Nov 05, 2019
This card is fine if your credit is atrocious and you're trying to hold it back up. If you want to actually be able to USE the card, it's not so great. There are fees on top of fees and the interest is huge (obviously, as it's a bad credit lender). Payments take almost a MONTH to post as available credit, while they sit on your money that they received. I'll keep the card open to help build credit, but I won't be using it anymore. This card should not be your only card as it's virtually useless.… show more
Nov 05, 2019
I feel sorry for anybody that needs to use 1st premier bank to rebuild credit. Your credit has to be really low to need them. I use to have them when my credit was in the 400's. The fees are ridiculously high. If you wanted a credit line increase you had to pay for it. I can remember them taking two weeks to credit my payments. Yeah when you wreck your credit you have to start somewhere. I would start somewhere else. Why would you want to get this card to build a credit history? You would be forever stuck with the high fees and if you try to close it, it will make you look bad because it would destroy the length of your credit history. A secured card would be a better bet. Most of the time the fees aren't as high as this and as your credit improves, you may be able to get a better card at lower rates. 1st premier's name also screams to the world you have bad credit, since they don't offer cards people with good credit in their right mind would apply for.… show more
Oct 23, 2019
This card has very high interest and fees. They will offer a second card instead of just increasing your limit. They say it's to help your credit but what it really does is cost you more in annual fees and interest. They do not offer a grace period even for long term card holders and if you're less than 24 hours late, they will charge you a late fee and report it as a late payment. I was quite upset about that. My payment was due on the 16th and I paid it at 6am on the 17th. If you're looking to build with a card you'll only need for 6 months then it's ok. I wouldn't recommend having it longer than that.… show more
Oct 20, 2019
I payed off and closed my account because of the high fees. The following month I recieved a statement showing I owe them monthly fees, and I have a payment due....... for an account that is closed? WOW. I will be contacting the Consumer Financial Protection Bureau. 0 stars.
Oct 02, 2019
I don't like all these charger's put I'm glad that they are willing to help those who have bad credit I'd have a lot of trouble getting a loan I'm glad there help out there u don't know how much your credit means
Oct 01, 2019
Absolutely horrible! The rudest customer service representatives, specifically Lori and Lisa. After paying my bill on time and paying it off-argued with me about wanting to close my account. Unbelievable. Don't EVER do any kind of business with this company!
Sep 26, 2019
RUN! This is the WORST company to try and build your credit with. I've been working extremely hard to build my credit, I made every payment on time and always more than what I should have. There were two instances where my payment didn't go through automatically because my account was literally two dollars short, however, I ALWAYS corrected the issue promptly. They got their money BEFORE the due date every time. Regardless, my account was closed and it lowered my credit score dramatically and all the work I've been doing is down the drain. So not only were they unhelpful, their interest rates were out of this world so you will never make a dent on the bill unless you keep it at zero. I honestly think it's a scam to keep you in debt and then they find a reason to close the account to keep your deposit money. Knowing what I know now, go through your bank. The deposit will be higher, but it will help you in the long run. Good riddance.… show more
Sep 25, 2019
If I could I would give this card negative five stars. I have been a customer for several years. After the hurricane last year, I was placed on a temporary pymt plan to stop the interest, etc. I made all pymts and over for nine straight months. One day while paying online as I normally do, I paid the minimum pymt as listed on my account summary. I received a letter in the mail kicking me out of the repayment plan because I was ( get this now) TWO WHOLE DOLLARS SHORT in my “promised minimum pymt. Even tho in the previous nine months I paid OVER. Yep, they refused to reenroll me for $2. Now $2 isn’t gonna break me, but the fact they would treat a long standing customer that way is outrageous. I’m ready to pay the card off and mail it back to them because they don’t deserve my business.… show more
Sep 25, 2019
I will never ever recommend this card to anyone. I've got 9 other card's and this company repeatedly screws up my payment or they say they never got it. I have confirmation numbers for payments, but was told they don't mean anything. Word of warning! Don't get this card!!!!
Sep 20, 2019
It blows my mind how folks are on here complain to high heaven about fees, fees, fees. Each and every fee is disclosed to you when you sign up! You act like it's a surprise or something. Then there is the complaint about how the card ruined your credit. This card/bank, did not ruin your credit. YOU DID. Just because you have a credit limit of $700 does not mean you spend $699 of it! Jesus, you don't build credit by just paying bills on time. You build credit by also using your available credit wisely, meaning, YOU DONT utilize more than 30% of your credit limit. So if you have a $900 limit, dont let your balance go over $270. It's that simple. Never max out your credit cards, that is what kills you. Jesus lord the stupidity in some of these comments and reviews. I have never had an issue with this card, used it when I rebuilt my credit. Only reason for the 4 stars is because the lacks of increases they offer. Other than that, pay your bill on time and keep your utilization under 30% AT ALL TIMES.… show more
09/21/19
I just freaking love you for this comment! Lol! You told the complete truth. People have no idea what it means to take responsibility for their actions and make proper decisions. Thank you for this comment!
Sep 15, 2019
I am on the "building my credit" bandwagon. My credit had been neglected for many years and a friend suggested this card as she also had the card. I was hesitant because I had always stayed away from credit cards. I went through with it and paid the 95.00 dollar fee for a 300 credit line. I was stunned to see all the negative reviews. I have used my limit sparingly and always paid what I used on every payday. My credit has increased and I have never really had any problems with the card. It has actually been a good experience for me.… show more
Sep 12, 2019
Predatory lender, IF you have to pay an upfront fee for a non secured card, with ridiculously high rates afterwards. Odd thing is, Experian recommended this card to me. I just asked then to stop spamming me with fraudulent cards such as this one.
Sep 03, 2019
Average fees are roughly $200 whether you use the card or not. Interest is outrageous. They also charge cash advance fees of $8 for purchases that other credit cards have never considered cash advances. Worst of all, even with them making hundreds of dollars off of your card per year, even when its sitting in a drawer not being used, they still dont care about their customers. Customer service is horrible unwilling to help, and don't really want to help. They once even reversed a $300 REFUND from walmart, and exected me to pay the $300 that Walmart gave back. Avoid this card like the plague.… show more
Jul 29, 2019
I feel violated period. This card is a scam...they approved me for 300 and charges me a $95 initial fee at first then I was using the card for a year. Then all of a sudden they closed my account saying they needed to verify my identity. Now in order for them to reopen I would have to pay another $95 for a measly $400 credit limit. This card was to help build my credit however it did the complete opposite. Run!!!!… show more
Jul 26, 2019
I'm obviously working on rebuilding my credit. But this card is pretty awlful. But I paid my fees ($95 to activate and $75 in fees). I have been using the card conservatively now for 2 months. I downloaded the app to my phone and set up payment to be made through my checking account. No where -- and I mean no where -- on the app does it say it could take up to 20 days for checking account paymments to clear. So, although I paid my balance in full and the money has cleared my bank I still have to wait for it to be reflected on the card balance. This would have been nice to know before I set up an auto payment for my phone bill. When I called customer service regarding this issue I was told if I paid wirh a debit card by phone the payment would post immediately. (The debit card that is attached to the checking account). Again, no where on the app is this useful bit of information available. Customer service is not overly friendly by the way.
Although not of this will cause undue problems it seems to me they could syate things a little more clearly. I keep waiting for the other shoe to fall and to get burned by all this. If I could close the account without further hurting my score I would in a heartbeat.… show more
Although not of this will cause undue problems it seems to me they could syate things a little more clearly. I keep waiting for the other shoe to fall and to get burned by all this. If I could close the account without further hurting my score I would in a heartbeat.… show more
Jul 22, 2019
They sent my husband an invitation to apply for a second card, and I was going to have my husband take the offer, but the reality is that it isn't worth our time. Their FEES ARE EXTREMELY HIGH. We do not recommend first premier credit card. This company abuses people's money. It doesn't get more terrifying.
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
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 27, 2018
6/8/19
Update, having this card now for over 2 years I have gotten my desired credit card. I appreciate Premier giving me a chance and to them I am a valued customer. I did however cancel my oldest card with them. WARNING: when you are closing their card, be ready for a scare tactic to keep your card open. The rep spent 15 min trying tell me how closing the card was gonna hurt not help.
I was patient with her and kept telling her no. She finally closed it, but I am curious how long it gonna take to actually appear closed and will they charge one more monthly fee? Ill just have to keep an eye on it I guess. The card is paid off in full too.
I do have another card with them and I regret getting it. The more you spend, the higher the minimum payment is. Like I did max it out once, I knew it was gonna hurt, but give me a break, I was paying student tuition. I max the card out, thinking I will just have to pay the minimum for a little while. SUPRISE! On a $1000 card I spent $976 on tuition, a $30 min payment jumped to $70. How was I gonna pay this? Luckily my sister gave me the money to pay it off, and I have only spent $200 in last few months and I keep it paid. Once I get some age on the card I am closing that nasty beast down.
My advice read the fine print! Pay your bill on time!
I never had any problems with them and were always friendly with me, even in their scare tactic of closing my card.
Old post:
Okay as said in the first review this card is not good
for Emergency at first. For me I had to pay 95.00 start up fee off the bat, and then 99.00 annual fee was charged to the card. However I have no problems with them, other than one time when I paid with two debt cards they suspended the credit card. I had to get my bank to show that both cards belonged to me.
Pros of the card - you can pay with a debit card, no extra fee and funds are available next day. This was my first credit card and thanks to them I have built a better score.
Cons - high APR, start up fees.
My advice is make SURE you read their terms, and/or talk to a live agent. I knew what I got into and made SURE to pay on time and more than the minimum payment.
When I opened the card, my score shot up 40pts and I been able to build on that.
If considering the card, just pay attention to their terms and way the pros and cons.… show more
Update, having this card now for over 2 years I have gotten my desired credit card. I appreciate Premier giving me a chance and to them I am a valued customer. I did however cancel my oldest card with them. WARNING: when you are closing their card, be ready for a scare tactic to keep your card open. The rep spent 15 min trying tell me how closing the card was gonna hurt not help.
I was patient with her and kept telling her no. She finally closed it, but I am curious how long it gonna take to actually appear closed and will they charge one more monthly fee? Ill just have to keep an eye on it I guess. The card is paid off in full too.
I do have another card with them and I regret getting it. The more you spend, the higher the minimum payment is. Like I did max it out once, I knew it was gonna hurt, but give me a break, I was paying student tuition. I max the card out, thinking I will just have to pay the minimum for a little while. SUPRISE! On a $1000 card I spent $976 on tuition, a $30 min payment jumped to $70. How was I gonna pay this? Luckily my sister gave me the money to pay it off, and I have only spent $200 in last few months and I keep it paid. Once I get some age on the card I am closing that nasty beast down.
My advice read the fine print! Pay your bill on time!
I never had any problems with them and were always friendly with me, even in their scare tactic of closing my card.
Old post:
Okay as said in the first review this card is not good
for Emergency at first. For me I had to pay 95.00 start up fee off the bat, and then 99.00 annual fee was charged to the card. However I have no problems with them, other than one time when I paid with two debt cards they suspended the credit card. I had to get my bank to show that both cards belonged to me.
Pros of the card - you can pay with a debit card, no extra fee and funds are available next day. This was my first credit card and thanks to them I have built a better score.
Cons - high APR, start up fees.
My advice is make SURE you read their terms, and/or talk to a live agent. I knew what I got into and made SURE to pay on time and more than the minimum payment.
When I opened the card, my score shot up 40pts and I been able to build on that.
If considering the card, just pay attention to their terms and way the pros and cons.… show more
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
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Last updated on: January 20th, 2020 at 12:31
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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: Jan 20th, 2020 at 12:31 ET