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.” Unfortunately, you can't apply over the phone.

How to apply for a First Premier Bank credit card:

1. Visit the First Premier Bankcard website.
2. If you received an invitation to apply, simply click "Accept Mail Offer" and enter your confirmation number.
3. To apply without an invitation, visit the First Premier Bank's credit card comparison web page and click "Apply Now" under the credit card offer you'd like to apply for.  
4. Fill out the application form with your personal information (such as your full name, address, date of birth, SSN, email address, income, and employer information).
5. Review the completed information and check the box to consent to receive communications and confirm that you read and understood all disclosures.
6. Finally, click "Submit Application" at the bottom of the page.

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 your application requires further review.

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 (877) 383-4802 to check the status of your First Premier credit card application.

If you're not tied to First Premier Bank and are looking for a credit card to help you rebuild credit, feel free to also take a look at our editors' picks for some of the best credit cards for bad credit.

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.

How to check your First Premier credit card application status:

1. Call customer service at (800) 987-5521.
2. When prompted, press "1" for English.
3. When prompted, press "3" and enter your Social Security number to check the status of your application.

If approved, your card will be mailed to you within 7-10 business days. If your application gets denied, you still have options. Although the First Premier credit cards are designed for individuals with bad credit, approval isn't guaranteed. 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.  Secured cards would be some of the easiest credit cards to get approved for.

To get a First Premier Bank credit card cash advance, use the credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact First Premier Bank's customer service at (800) 987-5521 to request one.

There may be other ways to get a cash advance from your First Premier Bank credit card, too. For example, you can request a cash advance in person at a local First Premier Bank branch. You could also write out a First Premier Bank cash advance check and use it like a traditional bank check.

You should keep in mind that a First Premier Bank cash advance can be expensive. A cash advance fee and a separate cash advance APR apply from the moment of the transaction. If you have to get one, then it would be best to pay it off as soon as possible.

You can pay the $55 - $95 First Premier credit card processing fee online. Go to the application page and follow the instructions on the online application form. You can also arrange a payment by phone. The First Premier customer service number is (800) 987-5521. The processing fee is assessed to offset the risk associated with the credit card account.

What you should know about the First Premier credit card processing fee:

• Although 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.
• You can pay it in full or with partial payments.
• First Premier will not open an account until it receives the processing fee.
• The fee must be paid in full within 85 days from the date of approval to avoid application withdrawal.

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.

In addition to the one-time $55 - $95 processing fee, most First Premier credit cards charge a $50 - $125 annual fee the first year and a $45 - $49 annual fee each year after that. Also, you'll pay a monthly fee of $0 - $8 1st yr, $6.25 - $10.4 after. That's a total cost of at least $170 the first year and $120+ per year after.

To get a First Premier Bank credit limit increase, the account needs to be open for at least 13 months and kept in good standing, with on-time bill payments and no maxed-out credit limit. Eligible First Premier cardholders may qualify for a credit limit increase upon request, though there is a fee equal to 25% of the increase amount. You can request a higher limit online or by phone.

How to Get a First Premier Bank Credit Limit Increase

1. Log into your First Premier account online.
2. Click “Credit Limit Increase” on the left side of the page.
3. Select your account.
4. Click “Request Increase” and follow the prompts.
5. 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.