First PREMIER Bank

To apply for a First Premier Bank credit card, fill out an application on the First Premier Bank website. If you received an invitation to apply for a First Premier credit card in the mail, you'll be able to enter your confirmation number online under “Accept Mail Offer.” Otherwise, click “Apply Now” in the box to the right labeled, “Apply For A Credit Card.”

Once you get to the First Premier credit card application page, you'll be asked to provide personal information, including your full name, address, Social Security number, email address, annual income, and more. After you send your application, you'll get a hard pull on your credit report. You may get a decision in as little as 60 seconds, but it could take up to 10 business days. If you aren't immediately approved, they will mail you either a request for more information or a decision letter.

First Premier Bank credit cards are designed for people with damaged credit. But that doesn't mean everyone who applies will get approved. If you haven't received a decision 48 hours after you apply, you can call First Premier Bank at 800-987-5521 to check the status of your First Premier credit card application.

You can check your First Premier credit card application status by calling (800) 987-5521. According to First Premier Bank, you may get a decision within 60 seconds of applying. If you're not immediately approved or denied, allow 7-10 business days for First Premier to review your application. You'll either receive a decision or a request for more information in the mail. First Premier asks that you wait 48 hours after submitting your application before calling to check your status.

You can't check the status of a First Premier credit card application online. You can fill out the application online, but the only way to find out the status of that application (if not immediately approved or denied) is to call customer service.

If your application does get denied, you still have options. Although the First Premier credit card is designed for individuals with bad credit, it doesn't guarantee approval to anyone. Other credit card companies may have different approval requirements too. So even if you're denied for a First Premier credit card, you could still be approved by someone else. A secured card would give you the best odds.

You can pay the $25 - $95 First Premier credit card processing fee online. Go to the application page and follow the instructions on the online application form. Though First Premier Bank requires a checking account to qualify for their credit cards, there are multiple ways to pay the processing fee. Payment options include a bank draft, personal check, money order, debit card, or another credit card. First Premier will not open an account until it receives the processing fee.

If you receive a mail offer, you can respond to it from the First Premier website. You will need to enter the confirmation number included in the mailing. You can also arrange a payment by phone. The First Premier customer service number is (800) 987-5521.

In addition to the one-time $25 - $95 processing fee, First Premier credit cards charge a $75+ annual fee the first year and a $45 - $49 annual fee each year after that. Also, after the first year, you'll pay a $75+ servicing fee in 12 monthly installments of $6.25+ each. That's a total cost of at least $170 the first year and $120+ per year after.

First thing you should know about getting a First Premier Bank credit card cash advance is that you will be able to get a cash advance at virtually any ATM, provided you have a PIN. You can get a PIN by calling the number on the back of your card.

The First Premier cash advance fee depends on which credit card offer you get. It can be as low as 3% or $2 (max. $10), whichever is greater. Or, it can be as high as 5% or $8 with no maximum. So be sure to check your First Premier Credit Card's terms and conditions before you do a cash advance. You also have to worry about interest, which will start accruing on the same day you take out the cash.

You can request a First Premier Bank credit limit increase by logging into your First Premier account online and clicking “Credit Limit Increase” on the left side of the page. Then, select your account and click “Request Increase.” You will get a response by mail within 14 days. Another way to request a credit limit increase on your First Premier Bank credit card is by calling First Premier at 1-800-987-5521 to reach customer service.

If you have demonstrated responsible payment behavior, they may grant you an increase. If they give you a credit limit increase, however, keep in mind that First Premier will charge you a fee equal to 25% of the credit limit increase. So you won't even get to enjoy the full increase.

Another thing to keep in mind is that First Premier might give you a credit limit increase without you asking for one. People in online forums have reported that First Premier Bank has increased their credit limit without them requesting it, and they still got charged the 25% fee. So if you have this card, beware – it already charges a lot of fees, and this is just one more.