First PREMIER® Bank Mastercard Credit Card

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

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.

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.

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.

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.

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!!!!!

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!

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.

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!

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 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.

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.

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

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.

Well I've got a great deal with the CAP One secured card with no annual fee but when I couldn't get the coveted Discover It Secured card because of a 6 year old...almost gone BK, I opted to bite the bullet and high cost of this 1st Premier MC and as long as I pay off the balance monthly I'm not subject to their 36%!!! Annual interest rate. Yep, I did agree and pay for the 95.00 $$ application fee and that 75.00 annual fee but this is how I see it....They say not to have multiple inquiries etc so once I got the CAP One secured card with no annual fee and then found out I'd not qualify for the Discover It Secured I figured for the next 2 years while I build a great payment history...I may as well get the 2 or 3 cards they suggest you need to rebuild and got it all out of the way and begins me. So yes it cost $ 95 + $75 and that's it PLUS it's not a secured card. With this card, he CAP 1, and of course the all too easy Fingerhut card, I started from the Get with my 3 little card's without another inquiry until I get into the 700 credit scores at which time either First Premier will waive the ongoing annual fee or I'll be in a credit worthy position to replace it and of course Fingerhut will be replaced with Wal-Mart or Target once I'm at that point....all without continually applying and taking a hit until a few hits won't matter due to being a 700 club member. Update!!! I hired Lexington and in 1 month they got my BK removed from 2 of the 3 bureaus...darn Experian is being a bit more difficult than the other 2 regarding BK removals. Hope my story encourages people!!

This card is nothing but a scam.Garbage THIEVES. does not build any credit. Had this card almost a year. No credit increase. Never been late always paid my total balance off way before the due date.An the do not allow you to pay more than the minimum balance.Was charged a $95.00 processing fee.Was never returned. Premier closed the card account cause I did not disclose to them I changed banks after 6 mos.They was never able to take direct deposit out my account cause I always paid off in advance the total before due date. Upon getting card only offered $400 credit. Which $95 was already mines. They stated the plastic card was for $95.. An they do not report to the credit burea, all the payments that was made. They closed the card accoint. Without notice. Better they did than me .I paid the balance off . An they still have the closed account showing the last balance that was owed. Report them to the BETTER BUSINESS BUREA. Deceitful business practices.

Pure Thievery Even though you pay off your balance and have been a few years customer it will still charge you a fee every month just to carry the card. High interest , plus annual fee plus monthly fee for 500 credit limit. Bottom feeding company

you get a unsecured card and a chance to prove your worthiness.I would really appreciate Kate the opportunity to be able to use it, make my payments on time and keep my balance to a minimum and prove to you that I can be a trustworthy person. My health went bad and I got behind I was working and in college and I was taken by surprise with my bad health. I just need a chance to prove myself.

I have this card for a number of years. Their system of holding on the payments made DIRECTLY out of your bank account in ridiculous. The money is taken out of your account in a speedy manner and nothing is applied to your credit limit. Is the purpose of this for Premier card to get as much interest of your money?? I am sure they will be all over you if YOU are late in making payments but was recourse does the customer have they THEY are late in applying and availing credit on the card balance that you have paid and monies they have received?

Buyer Beware they use a bate & switch on their customers, I PAID A 95.00 FEE UP FRONT, then received my card only to be charged another 99.00 Fee. so if you think you are getting a 400.00 credit limit in reality it is a lot less than that, so you pay them 194.00 before even getting to use their card.

i posted a fairly positive review of the card on may 29--- all terms were "as advertised"--- charges and payments made since have posted accurately in a timely fashion--- HOWEVER, their website continues to show that i have available balance to take as a cash advance--- ive tried to make this transaction a couple times and its been denied regardless of which bank's atm i was using--- called customer service and the rep could only tell me that i did not have cash available and couldnt tell me why the website said that i did--- initial rating of 4 stars now down to 2

This card will charge you an arm and a leg in interest and fees. If you call them for assistance (mine was a simple name change) they are more focused on selling you a second credit line for "only 25". I paid off the card yesterday and asked to close my account. The gentleman I talked to treated me very poorly and basically stated that I will regret closing this card. If you have poor credit and need something to start out I can understand. But after I have other opportunities and choices absolutely not. I would not recommend these guys.

I applied for my card the 18th of July got it the 23rd the credit limit they gave me was 200 and I paid the full 200 security deposit same day the 23rd but I paid my deposit of 200 from my other account why cant I see or use my card now ? When I call the customer service number they give it's saying security deposit meet,then states final deposit process date is July 31 2018 so I cant pretty much use or get any money till the 31st of July or what??

There customer service sucks. My boyfriend paid of the 75 they said it didnt go thrw at all it.. im really frustrated im trying to bulid up credit her. But now you guys what to mess my credit more ..

I would give zero stars they are rude if i had read these reviews i would not got a card from them worst credit card ever don’t waste your money on this card it is not worth it go to another one.

No Stars actually!!! I just received my bill and these rip off artists have charge me with every hidden fee imaginable. I called them and They are charging me each month an a cash advance I received back in April. They are charging me for an over the limit fee and their freaking fees put me over the limit. What the hell!!! As soon as I can pay this ripoff card off, I am closing this account. DO NOT, I REPEAT, DO NIT GETBTHIS CARD UNLES YOU WANT THE LIFE SUCKED OUT OF YOUR FINANCES!!!!!!!! AND I AM REPORTING THEM TO THE BBB

This card is great for what it is, helping rebuild your credit. I had to take a bankruptcy and a couple of months later when I was getting on my feet, my old landlord turned in about $200 to a collection agency for repairs(which I honestly did not know about). Anyway, my credit stunk and I got the $700 credit limit card in Nov 2017. I charge around $200 a month & pay it off or leave a "very" small balance remaining. A couple of weeks ago, they offered me a 2nd card with approximately the same rates, fees, etc with a $1000 credit line. I took the offer, only because I have a 2nd car that has been sitting in my driveway needing a $900 repair. For me personally, it's worth all the fees to get my car running again. I knew what I was signing up for. I had my first experience with customer service regarding this new car a couple of days ago and the lady could not be more friendly. Premier Bankcard is a rip off, but it's good for people like me who are in a bind and need to rebuild their credit. They have not done anything I was not warned about. They have been fair with me. Premier has sent all of my payments to the credit bureau as promised

i knew going in that the fees and rate were high so thats not a complaint--- the preapproved offer i received did not include the $95 fee--- just the $79 annual and $8 monthly--- i accepted online on may 20 and was approved within a minute--- i called customer service on the 23rd to ensure i wouldnt get hit with that $95 fee--- i did not wait long on hold, the csr was very polite and assured me that fee did not apply to my offer--- i was told the card would ship approx may 24 and 10-14 days to receive it--- i received the car on may 29 with only the $79 and $8 having been put on my balance--- ill have to wait until ive had the card awhile before i can give the 5th star but so far, so good--- i honestly think that those who give derogatory reviews either didnt read disclosures or thought they should be given a lot of grace and leeway when making late payments--- yes, its a high-cost card, but everything has been "as advertised" so far--- if you want a less costly card, make your payments on time.........

Nothing but crooks. I needed a credit re-builder for a short period and the card did exactly what it needed to do. I call to cancel, first call gets disconnected. Second call, I get someone but she tries to strong arm me into keeping the card. Not gonna work lady. THEN she says that I have to pay off the balance now because closing a card with a balance "looks bad" on the credit report. Uhh... You guys are going to report the card as closed and I will pay it off with my final statement. Stay away!

Nothing but trouble from the beginning. I applied for this card so I could improve my credit score...and boy was that a mistake. First off I had to pay $150.00 fee in order to get the card with a $500 limit. At first I wasn't going to do it, but decided I would keep it for six month, just to build my credit score and then close it...that was never going to happen! So I paid the fee, they took it out of my account immediately. Then I waited for the card to arrive (9 days). Went to activate it and it would not let me. So I called customer service. Terrible...I was told that because I paid with my checking, not my debit card (which are both the same account) I had to wait 14 days to activate it. The customer service women was rude and talking over me, until I finally yelled in the phone and asked her to please stop! Needless to say I had to wait the additional 5 days to activate the card, even though they already had my money for 9 days now. Ok, so now I am activated...I used the card for approximately 2 weeks. I check my balances almost every day, just to make sure everything is ok...Well, this day there are 3 charges totaling over 250.00. So I immediately called customer service. This gal decided that she would close this card and issue me a new one. Ok...All charges were then transferred to new card, including fraudulent ones. And now I had to wait to receive the card and they would mail me paperwork to fill out and mail back, can not do this online. 10 days later paper work shows up and new card arrives. In the meantime, I had found the form online filled it out, reported the fraudulent charges to the police and credit agency's, and mailed all copies back to First Premier. Meanwhile they report to the credit agency's that I am almost to my limit and my score drops 14 points. (Remember over $250 was not mine.) I also paid off the balance. Did this every month So that is taken care of, so I think and I am finally (after almost 3 weeks) able to use my new card. The charges were taken off. So a couple of weeks go by and I am trying to use my card and it is declined. So I check and find the account has been suspended...so I call customer service again! This time I am told some one reported fraudulent charges on my new account. I asked who, she did not know, but that it had been done online. So they would need me to fill out paperwork again, which would be mailed to me, even though I told her I did not report it. Plus, they were also told by someone that they had the wrong social security number and would need me to provide a copy of that as well! I again asked why no one had called me and could I get this emailed to me and was told they can not do this. So here I am again, 3 months with this credit card and my account is suspended! I finally get the paperwork (10 days) fill it out and mail it back. and I am still waiting for my account to be taken off of suspension. In the meantime First Premier reported to the credit agency's that the account is closed, which dropped my score another 14 points. So the card I paid $150 (non refundable) to help me get my credit score up, did just the opposite and I am still waiting to get it straightened out. In the meantime, I have paid the balance it says I owe and am going to keep it closed. Bottom line....do not get this card!

I have had this card for a long time but it is expensive. Pay Really close attention to when you should be receiving your bill in the mail. Twjce now I have not received one and had the sense to check my check register and phone my payment in on tjme. I believe they are trying to scams late fee.

I just tried to make a payment on my cards. The rep not only credited the wrong account but, when I asked to speak to a manager she puts me on hold, comes back and says my manager said..........I'm thinking what is the issue with the manager speaking directly to me? Very, very tacky First Premier!

After filing bankrupcy I didn't have any credit trade lines and a very low credit score. I opened a secured account and my score almost instantly increased significantly. About a month later I was approved for an unsecured card with Credit One Bank--rate/fees were reasonable given my scores--high 500's low 600's. I wanted a 3rd trade line so I applied for First Premier and embarrassingly I didn't fully read the terms. I did pay a $95 set up fee when I applied (about 2 weeks ago). I was approved with a limit lower than both my current secured and unsecured cards. But now (after the fact) I looked up the reviews. Of course my jaw dropped. I did got to their website and they have all their agreements posted (link at bottom of their site). Once I read the agreement I realized in addition to the $95 set up fee--there is a $99 annual fee (comes off the card immediately) PLUS an $8.50 monthly fee and to top it off their APR is a whopping 36%....I'm still waiting for the card but will immediatley cancel it when I receive it. You would be much better off getting a secured card and waiting for your scores to increase rather than using this company. They are not out to help people with bad credit but rather exploit them--buyer beware!!

My credit card was stolen. I had a hell of a time getting a replacement. I do not like this company art all. If I cancel it will bring my credit score down. This is a credit card you would get if you didn't have any choice. I was stranded in a completely different state, I had no way to get the requested info. I ask them to send it certified mail and they said they couldn't. Thank you for screwing Me! No vaseline!

Few years ago they was only one gave me a chance and yes I know about the fees and etc, and many complain after getting the card why get it you know the fees before applying, and now it's been 4 yrs i have 2 amex cards, discover, capital one with 0 percent interest and 0 percent balance transfers. If it wasnt for them giving me a chance I wouldn't got this far, few years ago my score was 528 and now it's over 700 thanks to 1st premier.… read more

I have been a customer now over a year, almost two. Initially I was approved for one card with a CL of $300. I made on time payments month after month often paying more than the monthly requirement. After about six months I was offered a second card with a CL of $700 awesome. I accepted and have a perfect payment history on both cards. There was one time I let my payment date get away from me and I paid it on the 6th instead of the 5th. I was hit with the $36 late fee. I called and politely requested it be refunded as I had never been late before and the kind rep approved the adjustment. Awesome! Fast forward to two days ago. I went on line to request a credit limit increase on my initial card (the $300 one) and was denied. I called to ask why. I have almost a flawless payment history AND you gave me a second card, so I assumed my payment history with them was enough that I could request an increase. I was wrong. Back in September of 2017 I missed a payment and was late on the next payment. The card was lost and I was in the process of relocating state to state and unfortunately it fell off the radar. Once I realized what happened and that the card was missing I immediately called to report it lost and to satisfy the balance. I thought things were cool. Fast forward back to today and I was denied a credit increase because of that. I definitely own the fact I lapsed in my payment, I mean I'm human and I promptly paid the balance in full once it was brought to my attention, but for this reason alone I was denied. My since then and current payment history feels like it's not even a factor. One mistake and boom, we're going to charge you the fees (I owed) and hold it against you for the next six plus months. It's discouraging when you've tried to make sure you're always on top of things and you have one mishap. The rep I spoke to was wonderful in answering my questions and I know she was just the messenger. I am disappointed in the way this particular instance happened with this company but over all I have found comfort knowing I have the cards as an option when I need it. I won't bash the company because It was my fault the payment lapsed but there seems to be zero leeway even once you're been established for some time with the company.

credit card itself has been good to me. Customer service and the lack there of sucks big time. ive been waiting for my card to be active again after it was accidentally turned off. and 1st prem. still giving me the run around since feb but truly since end of march. said my card would be approved and working 5 business days later. its now been 7 days and ive been waiting but they keep referring to "their" notes from previous agents who apparently arent doing what they are suppose to do and then i get the run around. Im this close to saying screw it. im very fed up

This is the craziest experience! So apparently because my account is new and I've been using it and mind you already paid it off, then used another $50 they have suspended my account! They state that there is fraudulent activity on my account they need to verify my address (the address they sent the card I'm using to mind you smdh), they also need to verify that the account I paid my bill with belongs to me, um it's in my name morons! They also need to verify my ss# um don't you think that this is stuff that should have been done before 4 months into having the card and the jackasses didn't even report anything on my credit until they suspended it! So no good cam or will come from this card I've sent in the requester papers to them 3 times now so we shall see what happens! Oh yes the security team has the suspension on my account but you aren't allowed to talk to the security team. Just RUN WHILE YOU CAN!!

I have my first premier bank card already and haven't paid the 95$ processing fee im looking at the other reviews where people received the card before paying the 95 fee so am confused as to why we have the card first if we not supposed to get it til after we pay the fee

Worst decision I ever made in credit Rebuilding history ,Read the reviews everywhere ! even on here at wallethub they tell you this is not a good choice ! I got the card before I set up an account on wallet hub.com, had I have known beforehand ...believe me, I would have never even considered it ! to late! LOL , you live and learn ,Don't be desperate, research !! There are way better cards by far ! Just make sure you read the fine print first :) With First Premier there are outrageous up front fees ! Shocking hidden fees !and somtimes terrible customer service ! 1.) Fees Getting started ....its $100 fee that must be paid upfront and $100 annual fee for the first year that you can either pay upfront or pay off at $8.33 a month X 12=$100 ,it will end up being the same amount either way ,if you cancel the card before the annual fee is paid off ....you will owe the remaining balance ! 2.) Hidden fees : If you're ever excited about an eventual credit increase !? don't be ! As it will cost you 25% of whatever your increase is ! $25 per hundred dollars of credit extended to you ! Ouch ! Wow ! who's helping who !? 3.) Customer service : almost every time I have had to communicate with customer service they act like you should be lucky to have their service ! Even though you paid dearly for it ! lol,GEE.. we weren't taken advantage of or anything where we !? LOL 4.) NOTE! you can't use anything but a debit card to pay your balance, you can't use your checking account directly or you won't be able to use your card for a week or more! And they do not tell you this up front or in the payment options from their App , they told me over the phone when I questioned them about what was taking so long ? but by then it was too late ! As if the fees weren't enough, yet another undiscovered inconvenience ! These kind of companies just take advantage of people who are desperate for credit ! No other way to say it ! transfering my balance to my Capital one and canceling First Premier, Capital One is highly recommended ,in fact...also by wallet hub.com themselves ,No worries guys ! As you can see by now...i listened ! lol,Best decision I ever made , the best card I've ever had ! 10 X better ! Best customer service ever ! And....No matter how you pay.... your funds are available within 24 hours or sooner ! doesn't cost you anything to get in , you get a lower percentage rate, and the annual fee is only around $35 with no other fees and the best part is !..... you earn rewards , actual cash back ! I get about 8-$10 back on average every month depending on your purchases ! More than pays the annual fee ! and puts money back in your pocket ! how can you go wrong !? By the way !...I also used Capital One when buying a newer used car after having my card for a little while as well ! that was also the best experience ever ! But even in the worst case scenarios..... consider investing your own money in a small secured card instead of an unsecured card like First Premier card that makes you invest up to $250 of your money and then keeps it ! A secured card builds credit the same exact way ! and some reputable companies mentioned on wallethub.com will even let you start with as little as A $250 investment if I remember correctly? it's a really great option and honestly it's really the best option, instead of investing money you never get back because at least with a secured card you get your would be FEES back instantly because it's simply your money ! You can use it whenever you want however you want :) I mean... if you're going to put up $250 to get into a unsecured credit card...why not put up the same $250 to get into a secured card of which you don't lose 1 cent of your investment to !? Because again ,it's your money that becomes your credit, that you get back in the end ! It's a win-win ! you get to use whatever money you put up right away,You lose nothing ! just try not to utilize more than half of any card you get if you can help it because it can lower your score unfortunately, it Alters the balance between debt and credit ratio and lowers your score :( on the subject of secured cards....navy Federal for example ,there are no annual fees or balance transfer fees at all with their secured card and you earn points for every dollar spend to redeem for gift cards and such, building your credit should be rewarding ,don't you think so ? Check out other Federal institutions near you for deals like this as well ! hope this review has helped shed some light on the reality of this company and which credit Services you can research and choose as an alternative that are a MUCH better choice based on your credit and Financial situation ! MWC