If I don't pay the $95 processing fee, my account will not be opened? And will I be charged any fees for not paying the processing fee?
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First PREMIER® Bank Mastercard Credit Card
First PREMIER® Bank Mastercard Credit Card
Info about 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.
APR1,656Reviews173Q&AContactAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Bad Credit
Fees
One-Time Fees$55 - $95
Annual Fees$50 - $125 1st yr, $45 - $49 after
Monthly Fee$0 - $8 1st yr, $6.25 - $10.4 after
APR on Purchases
36%
WalletHub Review
by John Kiernan
August 15th, 2022
First PREMIER® Bank Mastercard Credit Card Pros & Cons
Qualify with bad credit
Does not require security deposit
High membership fees
No rewards
No rewards bonus
No intro APR on purchases
First PREMIER® Bank Mastercard Credit Card's Additional Info
| cash advance fee | 5% (min $8) |
| cash advance APR | 36% |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 27 days |
Based on your creditworthiness, this card requires a one-time up front Processing Fee of $55 - $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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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 $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.
Questions & Answers
Can't find what you are looking for? Submit your question about First PREMIER® Bank Mastercard Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How can you get cash back from your First Premier credit card?
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How do I know if I'm eligible for a cash advance?
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How often can I get a cash advance?
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How do you find out your credit limit?
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Joseph Bulebush
They'll tell you after you get approved, but the minimum is $300. After that, you can see it in your monthly statements.
What is the minimum monthly payment?
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Can I pay my Google Ads fee with this card?
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WalletHub
Yes, you can definitely pay your Google AdWords fee using this credit card -- it is a MasterCard which can be used basically anywhere.
I paid the program fee on Sunday by debit card. Will the funds be available today?
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What will my available credit be after $75?
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thom Fotenberg
If you're approved for a $300 credit limit, the $75 fee will reduce your available credit to $225.
Will I receive my card even if I don't pay the processing fee?
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WalletHub
No, your First PREMIER® Bank Mastercard Credit Card account will be opened and the card will be mailed to you only if the processing fee is paid in full. If this fee is not paid in full within 85 days, your application will be withdrawn.
Compare The First PREMIER® Bank Mastercard Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR36%
Regular APR25.49% (V)
Regular APR26.99% (V)
Rewards RateNone
Rewards Rate0 - 1% Cash Back
Rewards RateNone
People Also Apply For
First PREMIER® Bank Mastercard Credit Card Reviews
Share your insights and review the First PREMIER® Bank Mastercard Credit Card
3.0
1,656 reviews
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1 Star Rating
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.
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3 Star Rating
Verified CustomerThe 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.
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How long did it take to get the card?
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How long did it take to receive the card?
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1 Star Rating
Verified CustomerIf 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.
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Exact thing is happening to me.
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1 Star Rating
Verified CustomerThe 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.
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2 Star Rating
Verified CustomerI 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.
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1 Star Rating
Verified Customerwow!!! 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.
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1 Star Rating
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.
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1 Star Rating
Verified CustomerCredit 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.
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.
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1 Star Rating
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.
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1 Star Rating
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!
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Review First PREMIER® Bank Mastercard Credit Card
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Offer last updated: Aug 15th, 2022 at 09:00 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
25.49% (V)
ANNUAL FEE
$39
REWARDS RATE
0 - 1% Cash Back
BONUS OFFER
None
MINIMUM CREDIT