First Premier Credit Card: There are Better Ways to Build Credit - NerdWallet
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First Premier Credit Card: There are Better Ways to Build Credit

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The Aventium and Centennial credit cards, offered by First Premier Bank (or 1st Premier), are among the very few credit cards offered to those with bad credit and may seem attractive to people who don’t qualify for almost any other card. However, the cards come with a low credit limit, unreasonably high fees, and a number of “gotcha” charges that riddle the cards’ fine print. In fact, the two cards are exactly the same – always a red flag. The Federal Reserve tried to make lending more transparent in 2010. First Premier did an end run around them, and Aventium and Centennial are the results.

1st Premier’s “perks” for Aventium and Centennial: high APR and higher fees

The two credit cards come with an astronomical interest rate: 49.9% the first year, with the possibility of a minor reduction to 39.9% thereafter. For comparison, the industry average for those with poor credit is 23.95% – less than half of the Aventium/Centennial’s. First Premier is notorious for its high interest rates: previous iterations of the Aventium and Centennial came with 79.9% and 59.9% APR’s, but were yanked after public pressure.

The cards also have a $75 annual fee the first year – 25% of the cards’ credit limit, the maximum first-year fee allowed by the Credit CARD Act of 2009. Essentially, the card only has a $225 credit line, after fees. That fee is lowered to $45 a year after that, but is supplemented by a $6.50 monthly fee, for a total of $123 a year – more than one-third of the credit limit.

These unsecured cards come with a secret: they’re actually secured credit cards. In the cards’ very, very fine print is a requirement that account holders make a “security deposit” of $95, which will be refunded when the account is closed. This makes the cards almost like secured credit cards, but with even higher fees and interest rates!

First Premier vs. the Fed: a cat-and-mouse game

Before the Credit CARD Act, First Premier’s terms were even more egregious. An unsecured Visa with a $250 credit limit included:

  • • A $35 processing fee
  • • A $119 acceptance fee
  • • A $6 monthly fee ($72 a year)

That adds up to $276 in fees – more than the credit limit. The CARD Act stipulated that the first year’s fees can be, at most, 25% of the card’s credit limit, prohibiting this practice. The Visa could cost, at most, $62.50 in the first year.

Not to be deterred, First Premier issued a set of $300 credit limit cards with a $75 annual fee: identical triplets Aventium, Centennial and Classic. In addition, 1st Premier began charging $95 in processing fees, which were assessed before the card was approved and therefore technically did not count towards the first year limit.

“Nice try,” said the Fed, which clarified earlier this year that all processing fees are indeed part of first year’s costs. First Premier moved on to Plan B: the $95 processing fee took on its current incarnation, a security deposit.

What’s more, the Credit CARD Act regulates how much issuers can levy in fees for the card’s first year: 25% of the initial credit limit. After Year One, however, all bets are off. Because 1st Premier charges the maximum allowed fee upfront, the bank is barred from levying further charges the first year. However, as soon as the CARD Act’s protection expires, a number of fees and charges crop up:

  • • A 3% foreign transaction and cash advance fee, which are industry standard but are notable because they only take effect the second year, after the fee cap expires
  • • A $3.95 one-time fee to access online banking, whereas most banks actually reward e-statements
  • • A $6.50 monthly fee, which doesn’t seem like much but adds up to $78 a year

1st Premier Bank annual fees

By default, the credit limit is set at $300 the first year. After that, customers have the option to increase their credit limit – for a fee of 25% of the increase. To increase the credit limit by $400, then, a customer must shell out $100. This is essentially punishment for good behavior: only those who spend responsibly will qualify for a higher credit limit increase, but they will pay the highest fees.

Credit limit increase fees, combined with cash advance, foreign transaction and monthly fees, mean that you can easily pay 70% more each year you hold the card. As time goes on, First Premier really starts making the money that it couldn’t make from you the first year, and therefore destroys the Credit CARD Act’s intent to protect vulnerable consumers.

Bad credit cards that aren’t so fee-ridden

Fortunately, there are cheaper and more straightforward alternatives to the Centennial and Aventium for those with less-than-stellar credit. Orchard Bank® Classic MasterCards is intended to help establish or reestablish credit. HSBC, which owns Orchard Bank, gave the bank the goal of helping those with the least access to credit. While it does have some fees, it is far cheaper than First Premier’s cards and offers much lower interest rates. The ongoing APR is 15.24% - 25.24% Variable , and the annual fee is $39 - $59 the first year, $35 - $59 per year thereafter*. The Orchard Bank® Classic MasterCards is among the easiest unsecured credit cards to qualify for: FICO scores as low as 500-600 have made the cut. Among the few hard-and-fast qualifications are a $12,000 salary and a valid social security number.

If the Orchard Bank® Classic MasterCards is not an option, a secured credit card is open to almost anyone and can help to rehabilitate credit scores. Orchard Bank also offers a secured MasterCard with an APR of 7.9% and an annual fee of $35 that’s waived the first year. The Applied Bank Platinum Zero has no interest rate, but has a high $119 annual fee and requires a deposit of $500 or more. Many credit unions offer low APRs as well as low fees. And amongst larger banks, the Capital One® Secured MasterCard® and the Citi Secured have high APRs, but low annual fees. The Capital One® Secured MasterCard® has an annual fee of $0. The ongoing APR is 24.99% (Variable). The Citi Secured’s annual fee is $29. The ongoing APR is 22.24% Variable . Secured credit cards require an up-front deposit, usually equal to the credit limit. This deposit will not be used to pay down a balance; it’s collateral held against default, and is returned when the account is closed.

Watch out for this particular scam: Net First Platinum offers what looks like a credit card, but is actually a fee-laden gift card equivalent that can only be spent on the heavily marked up Horizon Outlet website. Another often-cited alternative is prepaid debit cards, but these come with a number of  similar fees and do not actually help to build credit. A regular checking account serves the same purpose, but without the ATM, reloading, and monthly fees.

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  • http://www.facebook.com/profile.php?id=1139573913 John Egan

    i used one of their cards to build up my credit, and was able to buy a house. they report to the credit agencies more often than most credit cards, thats why the rate is so high. i almost closed mine at first, but i stuck with it. i dont have anything bad to say about them. it is also the only credit card i have, and had horrible credit from the get go. i wouldnt have been able to buy my house without it.

    • Jon Visser

      I smell BS… People, LISTEN TO THIS ARTICLE. FIRST PREMIER IS A ROAD TO NOWHERE. One thing the story did not mention is that FP will almost never approve a Credit Limit increase, they only offer you ‘a second card may be available due to your excellent payment history’. They are gouging you with the fees. They will guilt you when you try and cancel it. Don’t listen to them. Drop it as soon as you can, cause you will eventually anyway and kick yourself for being taken advantage of. I also had an Orchard Card, while it had a high interest rate, at least I got a rate increase for good payments, I’ll keep that one just out of respect for them giving me a 2nd shot. If you can’t get an Orchard, go to your local bank and get a secured card. Secured cards do just as much to rebuild you credit profile, and you can increase your limit at any time by depositing more secured funds-which you can get back at any time you want to close or possibly convert the account. I cancelled my first premier last year finally, and guess what? The world didnt end like they want you to believe when you cancel. And because of the $250 limit, it was hurting my score by lowering my average credit card size. I had an OB card for 7 years w/good payments, Did a secured card for 3 with good payments, now I have a 10k Amex Blue card. There are options for those in need of credit rebuild, FIRST PREMIER BANK IS NOT ONE OF THEM!!!!!

      • James George Brown

        Hi John Visser,

        I applied for several credit cards intended for people with bad credit and First Premier was the only company to accept and give me a credit card. It is worth the fees to have a credit card. AS the card will be used to pay a couple of cheap bills that reoccur. I will also setup a auto-bill pay to the credit card from my bank account. This will prevent me from getting charged interest rates and I will be able to rebuild my credit. also the limit is 300 dollars and the rate is 36%. I plan to only pay my Utilities with this so if i even up paying extra for a year who really cares when within a year of good Behavior I will be able to get a card from someone else that has smaller fees at which point i plan to continue using the card just to pay bills as a middle man between my checking account and the company.

        I strongly recommend people stay away from this card and company if they are planning to spend on the card and not pay it off each month. think of it this way if you have a balance of 100 dollars for longer then 27 days on your billing cycle you will end up owning 36 dollars more.

        • Twebber

          Actually it is 36% annually not monthly. If you own $100.00 you will pay $3.00 in interest not $36.00. Its annual percentage rate (APR) not monthly percentage rate.

      • Gordo

        @Jon Visser….You’re mistaken. First Premier will automatically
        increase your credit limit after the first year with an excellent payment
        record. You have to let them know in advance if you DONT want an increase . Yes there’s a charge
        for the increase. Yes the fees are steep but that’s our own fault for
        getting into a credit mess in the first place. Don’t blame the bank
        for the fact that you f_ _ked up your credit. First Premier is the only
        bank that would help me. Orchard, Credit One, Barklays, all said no and Capital one wouldn’t
        even give me a secured card AND they ran a hard inquiry on my credit
        without telling me. Capital One is sinister.

    • Mellie

      I am with you John. I used them to build my credit to purchase a house and in a matter of a few months they did exactly that and I got my house. I have never had a problem even with getting a limit increase so maybe the person saying that has bad pay history or doesn’t use it. The fees are a little high but if used wisely it is very beneficial, at least for me. I have had the card for maybe 5 years and no complaints here and my interest rate is 20.15% but sometime you have to do what uyou have to do and just because you have it doesn’t mean use it for unnecessary things.

  • http://www.facebook.com/profile.php?id=1139573913 John Egan

    i used one of their cards to build up my credit, and was able to buy a house. they report to the credit agencies more often than most credit cards, thats why the rate is so high. i almost closed mine at first, but i stuck with it. i dont have anything bad to say about them. it is also the only credit card i have, and had horrible credit from the get go. i wouldnt have been able to buy my house without it.

  • http://www.facebook.com/profile.php?id=1139573913 John Egan

    i used one of their cards to build up my credit, and was able to buy a house. they report to the credit agencies more often than most credit cards, thats why the rate is so high. i almost closed mine at first, but i stuck with it. i dont have anything bad to say about them. it is also the only credit card i have, and had horrible credit from the get go. i wouldnt have been able to buy my house without it.

    • Jon Visser

      I smell BS… People, LISTEN TO THIS ARTICLE. FIRST PREMIER IS A ROAD TO NOWHERE. One thing the story did not mention is that FP will almost never approve a Credit Limit increase, they only offer you ‘a second card may be available due to your excellent payment history’. They are gouging you with the fees. They will guilt you when you try and cancel it. Don’t listen to them. Drop it as soon as you can, cause you will eventually anyway and kick yourself for being taken advantage of. I also had an Orchard Card, while it had a high interest rate, at least I got a rate increase for good payments, I’ll keep that one just out of respect for them giving me a 2nd shot. If you can’t get an Orchard, go to your local bank and get a secured card. Secured cards do just as much to rebuild you credit profile, and you can increase your limit at any time by depositing more secured funds-which you can get back at any time you want to close or possibly convert the account. I cancelled my first premier last year finally, and guess what? The world didnt end like they want you to believe when you cancel. And because of the $250 limit, it was hurting my score by lowering my average credit card size. I had an OB card for 7 years w/good payments, Did a secured card for 3 with good payments, now I have a 10k Amex Blue card. There are options for those in need of credit rebuild, FIRST PREMIER BANK IS NOT ONE OF THEM!!!!!

      • James George Brown

        Hi John Visser,

        I applied for several credit cards intended for people with bad credit and First Premier was the only company to accept and give me a credit card. It is worth the fees to have a credit card. AS the card will be used to pay a couple of cheap bills that reoccur. I will also setup a auto-bill pay to the credit card from my bank account. This will prevent me from getting charged interest rates and I will be able to rebuild my credit. also the limit is 300 dollars and the rate is 36%. I plan to only pay my Utilities with this so if i even up paying extra for a year who really cares when within a year of good Behavior I will be able to get a card from someone else that has smaller fees at which point i plan to continue using the card just to pay bills as a middle man between my checking account and the company.

        I strongly recommend people stay away from this card and company if they are planning to spend on the card and not pay it off each month. think of it this way if you have a balance of 100 dollars for longer then 27 days on your billing cycle you will end up owning 36 dollars more.

        • Twebber

          Actually it is 36% annually not monthly. If you own $100.00 you will pay $3.00 in interest not $36.00. Its annual percentage rate (APR) not monthly percentage rate.

      • Gordo

        @Jon Visser….You’re mistaken. First Premier will automatically
        increase your credit limit after the first year with an excellent payment
        record. You have to let them know in advance if you DONT want an increase . Yes there’s a charge
        for the increase. Yes the fees are steep but that’s our own fault for
        getting into a credit mess in the first place. Don’t blame the bank
        for the fact that you f_ _ked up your credit. First Premier is the only
        bank that would help me. Orchard, Credit One, Barklays, all said no and Capital one wouldn’t
        even give me a secured card AND they ran a hard inquiry on my credit
        without telling me. Capital One is sinister.

    • Mellie

      I am with you John. I used them to build my credit to purchase a house and in a matter of a few months they did exactly that and I got my house. I have never had a problem even with getting a limit increase so maybe the person saying that has bad pay history or doesn’t use it. The fees are a little high but if used wisely it is very beneficial, at least for me. I have had the card for maybe 5 years and no complaints here and my interest rate is 20.15% but sometime you have to do what uyou have to do and just because you have it doesn’t mean use it for unnecessary things.

  • Paul Stevens

    First Premier is a dangerous financial predator masquerading as an advocate of the credit challenged. If you write them their communications director who signs her letters “Julie Gilson” is really Julie Gilson Derner who is married to another First Premier alumni Jeffrey Derner who now works as
    Director of Collections at CAPITAL Card Services according to his linked in page.

  • Paul Stevens

    First Premier is a dangerous financial predator masquerading as an advocate of the credit challenged. If you write them their communications director who signs her letters “Julie Gilson” is really Julie Gilson Derner who is married to another First Premier alumni Jeffrey Derner who now works as
    Director of Collections at CAPITAL Card Services according to his linked in page.

  • Paul Stevens

    First Premier is a dangerous financial predator masquerading as an advocate of the credit challenged. If you write them their communications director who signs her letters “Julie Gilson” is really Julie Gilson Derner who is married to another First Premier alumni Jeffrey Derner who now works as
    Director of Collections at CAPITAL Card Services according to his linked in page.

  • Shaun Montes

    I received the first premier card and have yet to activate it. Kinda confused on whether I should pay the 95 fee. I do however have bad credit. Any suggestions would greatly be appreciated. Thank you

  • Shaun Montes

    I received the first premier card and have yet to activate it. Kinda confused on whether I should pay the 95 fee. I do however have bad credit. Any suggestions would greatly be appreciated. Thank you

  • http://twitter.com/Libradiaries Libra Diaries

    I tried applying for one and they denied me I went for aventium because it was my only choice. I think Orchard Bank has changed their policies on who is eligible. I am on disability so my income isn’t very high.

  • Libra Diaries

    I tried applying for one and they denied me I went for aventium because it was my only choice. I think Orchard Bank has changed their policies on who is eligible. I am on disability so my income isn’t very high.

  • Lovelace

    I tried applying for one and they denied me I went for aventium because it was my only choice. I think Orchard Bank has changed their policies on who is eligible. I am on disability so my income isn’t very high.

  • http://twitter.com/CuterThanBacon CuterThanBacon

    My bancruptcy lawyer told me secured cards arent going to help me build up my credit. If you have a bank account and a debit card why would I need a secured cc? Makes no sense. I have no option but to get gouged by the likes of first premier until my credit score improves.

    • http://www.nerdwallet.com/ NerdWallet

      Hi Cuter than Bacon,

      I’d double-check with your lawyer. Secured credit cards DO build your credit. Debit cards and a bank account DO NOT.

      Let’s back up a bit so this makes more sense theoretically. Credit cards — including secured cards, which are backed by a cash deposit — offer you a line of credit: you borrow every time you swipe the card and re-pay every month (or should re-pay every month). Meanwhile, with a debit card and bank account, you draw from a reserve of real cash.

      Credit scorers are interested in knowing how responsible you are as a borrower, not as a spender. Hence why credit cards, including secured, count toward your credit score while debit cards do not.

      Please let us know if you have any questions.

  • http://twitter.com/CuterThanBacon CuterThanBacon

    My bancruptcy lawyer told me secured cards arent going to help me build up my credit. If you have a bank account and a debit card why would I need a secured cc? Makes no sense. I have no option but to get gouged by the likes of first premier until my credit score improves.

  • CuterThanBacon

    My bancruptcy lawyer told me secured cards arent going to help me build up my credit. If you have a bank account and a debit card why would I need a secured cc? Makes no sense. I have no option but to get gouged by the likes of first premier until my credit score improves.

    • http://www.nerdwallet.com/ NerdWallet

      Hi Cuter than Bacon,

      I’d double-check with your lawyer. Secured credit cards DO build your credit. Debit cards and a bank account DO NOT.

      Let’s back up a bit so this makes more sense theoretically. Credit cards — including secured cards, which are backed by a cash deposit — offer you a line of credit: you borrow every time you swipe the card and re-pay every month (or should re-pay every month). Meanwhile, with a debit card and bank account, you draw from a reserve of real cash.

      Credit scorers are interested in knowing how responsible you are as a borrower, not as a spender. Hence why credit cards, including secured, count toward your credit score while debit cards do not.

      Please let us know if you have any questions.

  • Masked Avenger

    Just got such an offer. Probably due to a disputed account in court. Have a major credit card without problems that just renewed. First is now calling the card “Platinum” with $700 limit, $46 1st time annual fee + $179 annual “maintenance fee” + $8 monthly “account fee” = $277 annual cost + $75 Annual fee!
    Interest rate of 36%. Wow!!! How can I possibly pass this offer up. I suggest anyone planning on filing bankruptcy apply, run up the card, and assign the debt to the trustee. Talk about bottom feeder.

  • Masked Avenger

    Just got such an offer. Probably due to a disputed account in court. Have a major credit card without problems that just renewed. First is now calling the card “Platinum” with $700 limit, $46 1st time annual fee + $179 annual “maintenance fee” + $8 monthly “account fee” = $277 annual cost + $75 Annual fee!
    Interest rate of 36%. Wow!!! How can I possibly pass this offer up. I suggest anyone planning on filing bankruptcy apply, run up the card, and assign the debt to the trustee. Talk about bottom feeder.

  • Masked Avenger

    Just got such an offer. Probably due to a disputed account in court. Have a major credit card without problems that just renewed. First is now calling the card “Platinum” with $700 limit, $46 1st time annual fee + $179 annual “maintenance fee” + $8 monthly “account fee” = $277 annual cost + $75 Annual fee!
    Interest rate of 36%. Wow!!! How can I possibly pass this offer up. I suggest anyone planning on filing bankruptcy apply, run up the card, and assign the debt to the trustee. Talk about bottom feeder.

  • Anthony S.

    Someone Fraudelently used my name to get either a loan or a credit card from this premiere bank or whatever and when i contacted them they refused to give me any information and wouldnt explain why they wer calling my house asking for me about one of their bank cards when i didnt apply for one. I have never applied for anything from this bank nor will i ever. They wer rude and extremely secretive. they basically refused to help me and told me to mail a letter. Meanwhile someone is using my name doing god knows what and destroying my credit. I will be contacting a lawyer and the state police and recomend that no one ever does buissness with these people. NO good can possibly come of it! I warned you!

    • Twebber

      Its illegal for them to tell you what information they have in their system. If you file a police report and they send them a Subpoena then you can get all the info you want. All you needed to do was report it as a fraud account and it would have been done, no questions asked.

  • Anthony S.

    Someone Fraudelently used my name to get either a loan or a credit card from this premiere bank or whatever and when i contacted them they refused to give me any information and wouldnt explain why they wer calling my house asking for me about one of their bank cards when i didnt apply for one. I have never applied for anything from this bank nor will i ever. They wer rude and extremely secretive. they basically refused to help me and told me to mail a letter. Meanwhile someone is using my name doing god knows what and destroying my credit. I will be contacting a lawyer and the state police and recomend that no one ever does buissness with these people. NO good can possibly come of it! I warned you!

  • Anthony S.

    Someone Fraudelently used my name to get either a loan or a credit card from this premiere bank or whatever and when i contacted them they refused to give me any information and wouldnt explain why they wer calling my house asking for me about one of their bank cards when i didnt apply for one. I have never applied for anything from this bank nor will i ever. They wer rude and extremely secretive. they basically refused to help me and told me to mail a letter. Meanwhile someone is using my name doing god knows what and destroying my credit. I will be contacting a lawyer and the state police and recomend that no one ever does buissness with these people. NO good can possibly come of it! I warned you!

    • Twebber

      Its illegal for them to tell you what information they have in their system. If you file a police report and they send them a Subpoena then you can get all the info you want. All you needed to do was report it as a fraud account and it would have been done, no questions asked.

  • Gilson Oliveira

    I do have First Premier Bank credit card, I want to close my account but I am afraid it will hurt my credit… what to do???

    • http://www.nerdwallet.com/ NerdWallet

      Hi Gilson,

      I’d recommend opening a new credit card while you still have the FP account, then closing your First Premier card. That way, you aren’t stuck bleeding annual fees.

    • Loan Romeo

      First Premier Bank is a bad deal for American people!

  • Gilson Oliveira

    I do have First Premier Bank credit card, I want to close my account but I am afraid it will hurt my credit… what to do???

  • Gilson Oliveira

    I do have First Premier Bank credit card, I want to close my account but I am afraid it will hurt my credit… what to do???

    • http://www.nerdwallet.com/ NerdWallet

      Hi Gilson,

      I’d recommend opening a new credit card while you still have the FP account, then closing your First Premier card. That way, you aren’t stuck bleeding annual fees.

    • Loan Romeo

      First Premier Bank is a bad deal for American people!

  • DP

    Excellent information and research… BRAVO! I just received an a “per-approved ” offer from First Premier Bank . You’re absolutely correct about the astronomical fees attached that add up over time, I will not accept the offer now. Thanks!

  • DP

    Excellent information and research… BRAVO! I just received an a “per-approved ” offer from First Premier Bank . You’re absolutely correct about the astronomical fees attached that add up over time, I will not accept the offer now. Thanks!

  • DP

    Excellent information and research… BRAVO! I just received an a “per-approved ” offer from First Premier Bank . You’re absolutely correct about the astronomical fees attached that add up over time, I will not accept the offer now. Thanks!

  • DP

    What about the H&R Block secured credit card? How do they rate compared to these cards being discussed? I was offered that one as well

  • DP

    What about the H&R Block secured credit card? How do they rate compared to these cards being discussed? I was offered that one as well

  • DP

    What about the H&R Block secured credit card? How do they rate compared to these cards being discussed? I was offered that one as well

  • amis

    Ok I have a question. I’m trying to rebuild my credit. And I tried the capital one secured card and I got denied. Is there any card you recommend. My credit is really bad.

  • amis

    Ok I have a question. I’m trying to rebuild my credit. And I tried the capital one secured card and I got denied. Is there any card you recommend. My credit is really bad.

  • amis

    Ok I have a question. I’m trying to rebuild my credit. And I tried the capital one secured card and I got denied. Is there any card you recommend. My credit is really bad.

  • Omar Soto

    i just want to thank first premier bank for giving me the oportunity to rebuild my credit and lend me money from there bank , they are straight all the fees are on there terms read first then talk, dont apply then talk there helping people and the fees are for the bank its not all consumers how a bank going to stand if they dont win too, the employers got to eat too its logic , sorry for haters dont like just choose another bank , they been good to me and help me when most need it, people let the bank work and help the people that really needs it, the payments are good for bad credit 39% what more you expect with bad credit that maybe no one else may care to give you a chance never had a problem and client service been good to today they help with my question till today. me and my family are happy beacuse when we need it most first bank was there. thats my expirience, thank you to all its a good aternetive. hope it fits to all !

  • Omar Soto

    i just want to thank first premier bank for giving me the oportunity to rebuild my credit and lend me money from there bank , they are straight all the fees are on there terms read first then talk, dont apply then talk there helping people and the fees are for the bank its not all consumers how a bank going to stand if they dont win too, the employers got to eat too its logic , sorry for haters dont like just choose another bank , they been good to me and help me when most need it, people let the bank work and help the people that really needs it, the payments are good for bad credit 39% what more you expect with bad credit that maybe no one else may care to give you a chance never had a problem and client service been good to today they help with my question till today. me and my family are happy beacuse when we need it most first bank was there. thats my expirience, thank you to all its a good aternetive. hope it fits to all !

  • Omar Soto

    i just want to thank first premier bank for giving me the oportunity to rebuild my credit and lend me money from there bank , they are straight all the fees are on there terms read first then talk, dont apply then talk there helping people and the fees are for the bank its not all consumers how a bank going to stand if they dont win too, the employers got to eat too its logic , sorry for haters dont like just choose another bank , they been good to me and help me when most need it, people let the bank work and help the people that really needs it, the payments are good for bad credit 39% what more you expect with bad credit that maybe no one else may care to give you a chance never had a problem and client service been good to today they help with my question till today. me and my family are happy beacuse when we need it most first bank was there. thats my expirience, thank you to all its a good aternetive. hope it fits to all !

  • thereviewhubdotcom

    I must chime in on this story and say that I have also had a positive experience by utilizing First Premier as part of my credit rebuilding strategy several years ago. I now have some very envious credit cards in my wallet as a result of taking a proactive approach with rebuilding my credit. However, there were several things about the bank that annoyed me but overall, I got exactly what I needed from this credit rebuilding option. The key feature that distinguishes this bank from other rebuilding options is that they CONSISTENTLY REPORT PROMPTLY TO ALL 3 MAJOR CREDIT BUREAUS!!! This is what most people need in order to see the difference when rebuilding their credit.

    Thanks to responsibly using my First Premier CC as part of my rebuilding strategy, I successfully moved my credit score from the high 400’s into the 700’s within a few years!!! I now have a Visa Signature Card, 2 Amex cards, Citi Platinum, and a couple of other respectable cards in my wallet.

    However, since it has been a while since I had a card from this bank (I closed that account after getting approved for an AMEX card several years ago) I don’t know if they are still the same as they were back when I was a customer. I just got sick of all of the extra fees. I got what I needed from the card and moved on. I think that others could also benefit by doing the same. Like others have said, these cards do have a lot of fees & high interest, etc, however, get the card, use it responsibly, pay it off every month and get aggressive in taking care of the negative stuff on your reports and you should see your scores jumping up in a decent amount of time. It is such a great experience to see your scores moving up every month. This card can do it for you if you do it right.

    Good luck and hopefully this information proves to be helpful to others who are serious about rebuilding their credit.

    P.S. For those who do decide to get this card, please do your wallet a favor and drop this card after your credit is strong enough to get you approved for a better card without all of the extra fees!!! But remember to only close the account AFTER you have applied & received a new card that at least replaces the credit card limit of the card that you are closing.

    Cheers to good credit. Cheers to a 2nd chance in life.

  • thereviewhubdotcom

    I must chime in on this story and say that I have also had a positive experience by utilizing First Premier as part of my credit rebuilding strategy several years ago. I now have some very envious credit cards in my wallet as a result of taking a proactive approach with rebuilding my credit. However, there were several things about the bank that annoyed me but overall, I got exactly what I needed from this credit rebuilding option. The key feature that distinguishes this bank from other rebuilding options is that they CONSISTENTLY REPORT PROMPTLY TO ALL 3 MAJOR CREDIT BUREAUS!!! This is what most people need in order to see the difference when rebuilding their credit.

    Thanks to responsibly using my First Premier CC as part of my rebuilding strategy, I successfully moved my credit score from the high 400’s into the 700’s within a few years!!! I now have a Visa Signature Card, 2 Amex cards, Citi Platinum, and a couple of other respectable cards in my wallet.

    However, since it has been a while since I had a card from this bank (I closed that account after getting approved for an AMEX card several years ago) I don’t know if they are still the same as they were back when I was a customer. I just got sick of all of the extra fees. I got what I needed from the card and moved on. I think that others could also benefit by doing the same. Like others have said, these cards do have a lot of fees & high interest, etc, however, get the card, use it responsibly, pay it off every month and get aggressive in taking care of the negative stuff on your reports and you should see your scores jumping up in a decent amount of time. It is such a great experience to see your scores moving up every month. This card can do it for you if you do it right.

    Good luck and hopefully this information proves to be helpful to others who are serious about rebuilding their credit.

    P.S. For those who do decide to get this card, please do your wallet a favor and drop this card after your credit is strong enough to get you approved for a better card without all of the extra fees!!! But remember to only close the account AFTER you have applied & received a new card that at least replaces the credit card limit of the card that you are closing.

    Cheers to good credit. Cheers to a 2nd chance in life.

  • http://www.linkedin.com/in/rotimiakinmoladun RoTimi Akinmoladun

    I must chime in on this story and say that I have also had a positive experience by utilizing First Premier as part of my credit rebuilding strategy several years ago. I now have some very envious credit cards in my wallet as a result of taking a proactive approach with rebuilding my credit. However, there were several things about the bank that annoyed me but overall, I got exactly what I needed from this credit rebuilding option. The key feature that distinguishes this bank from other rebuilding options is that they CONSISTENTLY REPORT PROMPTLY TO ALL 3 MAJOR CREDIT BUREAUS!!! This is what most people need in order to see the difference when rebuilding their credit.

    Thanks to responsibly using my First Premier CC as part of my rebuilding strategy, I successfully moved my credit score from the high 400’s into the 700’s within a few years!!! I now have a Visa Signature Card, 2 Amex cards, Citi Platinum, and a couple of other respectable cards in my wallet.

    However, since it has been a while since I had a card from this bank (I closed that account after getting approved for an AMEX card several years ago) I don’t know if they are still the same as they were back when I was a customer. I just got sick of all of the extra fees. I got what I needed from the card and moved on. I think that others could also benefit by doing the same. Like others have said, these cards do have a lot of fees & high interest, etc, however, get the card, use it responsibly, pay it off every month and get aggressive in taking care of the negative stuff on your reports and you should see your scores jumping up in a decent amount of time. It is such a great experience to see your scores moving up every month. This card can do it for you if you do it right.

    Good luck and hopefully this information proves to be helpful to others who are serious about rebuilding their credit.

    P.S. For those who do decide to get this card, please do your wallet a favor and drop this card after your credit is strong enough to get you approved for a better card without all of the extra fees!!! But remember to only close the account AFTER you have applied & received a new card that at least replaces the credit card limit of the card that you are closing.

    Cheers to good credit. Cheers to a 2nd chance in life.

  • essedbl

    If you must use this credit card to rebuild your credit, then so be it. But be mindful of how much you are paying. In absolute terms, the cost of this card is pretty low. $7 monthly fee plus $49 annual fee, $133, and then 20% interest on purchases. Given the card’s low limit, the interest can’t add up to that much… So, for a couple hundred bucks a year, you get to rebuild your credit… Not bad…

    But from a relative perspective – relative to the cards credit limit, and relative to the industry as a whole – the cost of this credit card is absolutely BANANAS! When I had this card, carrying a $200 balance for 12 months resulted in a total cost of $169 in interest and monthly & annual fees, or 85% of the balance. That is, the interest rate was basically 85%!

    That is absurd!

    But, for those of us with bad credit, we don’t have a lot of options. So, as the guy below said (thereviewhubdotcom), use it if necessary, and dump it as soon as you don’t need it anymore…

    • Michael Stigers

      Actually, your numbers are wrong. I’m a current card holder and here’s the fees and interest: 36% APR / $95 upfront ‘processing’ fee – $75/annual first year. Typically, that’s $95.00 drafted from your checking account, then $75.00 charged to your card with a credit limit of $300 – this puts your credit limit at $225.00 after paying the processing fee; of which – my opinion, pay the $75.00 wuthyour $95.00 or you’re looking at day 31 your credit limit dropping to $198, because your first 30 days cost you an extra $27 due to 36% on the $75.00. Look guys, this card is good for people with low incomes or that have been irresponsible or had some kind of hardship that destroyed their credit…some people need a card that can help them build – and I hope First Premier can do that. Most people complaining about the fees only have themselves to blame because they couldn’t read what they signed up for. Things are clearly posted online, and in the mail…

      • essedbl

        How can you say that my numbers are wrong? The numbers I posted were the numbers for my card. They are accurate.I didn’t even include the initial (one-time) fees. It all comes down to the total cost of credit. If I carry a $200 balance, and the interest rate is 20%, then that is $40 in a year. But, if you add the $49 processing fee and the $7 per month, you end up paying about $170 in interest and fees. That is about 85%.

        I am not complaining about the fees at all. As I stated, if you don’t have better choices, then this is an option to help rebuild your credit. But while you say that the fees and such are clearly stated on the web site, it is not clear.

        This is a tactic employed by banks in every area in finance. And for that reason, banks are required to list an APR for home mortgages. That is because while the fees are not technically interest, they are costs associated with borrowing money. And that is why you should always compare the APR for mortgages when shopping around, no the interest rates.

        Likewise, while a first premier credit card might have an interest rate of 20%, the APR is actually 85%. And finally, to reiterate, those were my numbers. Some accounts have higher interest rates, and lower fees. It all depends on the laws in the state where you live, and what they are able to get away with.

      • Chasity Hollopeter

        First and foremost I have actually had my First Premier Credit card for nearly 2 years. I cannot get any other credit cards and credit cards are needed to reestablish your credit score. I know most cannot afford to pay off their cards, I understand that but I do I pay off my two cards every month spend my credit limit NEVER GET CHARGED A MONTHLY FEE. Is first premier upset with me you yes because they cannot charge me interest at all. I can’t even get a secured credit card without them wanting $500. security deposit including the card that I see mentioned here a lot. So if you need a credit card don’t spend all of your credit limit if you have a hard time paying it back. Only spend all of your credit limit if you can afford to pay it off. I use my credit cards to pay my bills so like I said, I always pay off my balance every month.

    • richard mccourt

      YES WE DO, IT IS CALLED OPENSKYCC.COM I CANT BELIEVE I AM THE ONLY ONE ON HERE TALKING ABOUT THIS CREDIT CARD AND ONLY 29.00 ANNUAL FEE. DOES NOT EVEN DUE A HARD PULL SO WHAT DO YOU HAVE TO LOSE?? IF I GOT APPROVED WITH A SCORE OF 518 I KNOW EVERYONE ELSE CAN AND I HAD 2 COLLECTIONS AND 2 NEGATIVES ON MY 3 REPORTS. OPENSKY WILL PUT THIS COMPANY OUT OF BUSINESS IF THEY WOULD ADVERTISE MORE I CAN ASSURE YOU FROM WHAT I HAVE BEEN READING ON HERE. THAT IS AWFUL BUT YES, I WAS IN SAME BOAT BUT LUCKILY RAN ACROSS THIS CARD ADVERTISEMENT ON CREDIT KARMA AND APPLIED AFTER BEING TURNED DOWN BY CAPITAL ONE. I USED TO HAVE ONE WITH THEM YRS AGO BUT THEY DENIED ME SO I APPLIED WITH OPENSKYCC.COM AND AM VERY SATISIFED AS I KEEP SAYING MY SCORE WENT UP IMMED FROM 518 TO 583 SOON AS I GOT THE CARD AND THAT WAS ONLY ABOUT 10 DAYS.

  • essedbl

    If you must use this credit card to rebuild your credit, then so be it. But be mindful of how much you are paying. In absolute terms, the cost of this card is pretty low. $7 monthly fee plus $49 annual fee, $133, and then 20% interest on purchases. Given the card’s low limit, the interest can’t add up to that much… So, for a couple hundred bucks a year, you get to rebuild your credit… Not bad…

    But from a relative perspective – relative to the cards credit limit, and relative to the industry as a whole – the cost of this credit card is absolutely BANANAS! When I had this card, carrying a $200 balance for 12 months resulted in a total cost of $169 in interest and monthly & annual fees, or 85% of the balance. That is, the interest rate was basically 85%!

    That is absurd!

    But, for those of us with bad credit, we don’t have a lot of options. So, as the guy below said (thereviewhubdotcom), use it if necessary, and dump it as soon as you don’t need it anymore…

  • essedbl

    If you must use this credit card to rebuild your credit, then so be it. But be mindful of how much you are paying. In absolute terms, the cost of this card is pretty low. $7 monthly fee plus $49 annual fee, $133, and then 20% interest on purchases. Given the card’s low limit, the interest can’t add up to that much… So, for a couple hundred bucks a year, you get to rebuild your credit… Not bad…

    But from a relative perspective – relative to the cards credit limit, and relative to the industry as a whole – the cost of this credit card is absolutely BANANAS! When I had this card, carrying a $200 balance for 12 months resulted in a total cost of $169 in interest and monthly & annual fees, or 85% of the balance. That is, the interest rate was basically 85%!

    That is absurd!

    But, for those of us with bad credit, we don’t have a lot of options. So, as the guy below said (thereviewhubdotcom), use it if necessary, and dump it as soon as you don’t need it anymore…

    • Michael Stigers

      Actually, your numbers are wrong. I’m a current card holder and here’s the fees and interest: 36% APR / $95 upfront ‘processing’ fee – $75/annual first year. Typically, that’s $95.00 drafted from your checking account, then $75.00 charged to your card with a credit limit of $300 – this puts your credit limit at $225.00 after paying the processing fee; of which – my opinion, pay the $75.00 wuthyour $95.00 or you’re looking at day 31 your credit limit dropping to $198, because your first 30 days cost you an extra $27 due to 36% on the $75.00. Look guys, this card is good for people with low incomes or that have been irresponsible or had some kind of hardship that destroyed their credit…some people need a card that can help them build – and I hope First Premier can do that. Most people complaining about the fees only have themselves to blame because they couldn’t read what they signed up for. Things are clearly posted online, and in the mail…

      • Chasity Hollopeter

        First and foremost I have actually had my First Premier Credit card for nearly 2 years. I cannot get any other credit cards and credit cards are needed to reestablish your credit score. I know most cannot afford to pay off their cards, I understand that but I do I pay off my two cards every month spend my credit limit NEVER GET CHARGED A MONTHLY FEE. Is first premier upset with me you yes because they cannot charge me interest at all. I can’t even get a secured credit card without them wanting $500. security deposit including the card that I see mentioned here a lot. So if you need a credit card don’t spend all of your credit limit if you have a hard time paying it back. Only spend all of your credit limit if you can afford to pay it off. I use my credit cards to pay my bills so like I said, I always pay off my balance every month.

    • richard mccourt

      YES WE DO, IT IS CALLED OPENSKYCC.COM I CANT BELIEVE I AM THE ONLY ONE ON HERE TALKING ABOUT THIS CREDIT CARD AND ONLY 29.00 ANNUAL FEE. DOES NOT EVEN DUE A HARD PULL SO WHAT DO YOU HAVE TO LOSE?? IF I GOT APPROVED WITH A SCORE OF 518 I KNOW EVERYONE ELSE CAN AND I HAD 2 COLLECTIONS AND 2 NEGATIVES ON MY 3 REPORTS. OPENSKY WILL PUT THIS COMPANY OUT OF BUSINESS IF THEY WOULD ADVERTISE MORE I CAN ASSURE YOU FROM WHAT I HAVE BEEN READING ON HERE. THAT IS AWFUL BUT YES, I WAS IN SAME BOAT BUT LUCKILY RAN ACROSS THIS CARD ADVERTISEMENT ON CREDIT KARMA AND APPLIED AFTER BEING TURNED DOWN BY CAPITAL ONE. I USED TO HAVE ONE WITH THEM YRS AGO BUT THEY DENIED ME SO I APPLIED WITH OPENSKYCC.COM AND AM VERY SATISIFED AS I KEEP SAYING MY SCORE WENT UP IMMED FROM 518 TO 583 SOON AS I GOT THE CARD AND THAT WAS ONLY ABOUT 10 DAYS.

  • Cre

    This card is the worst card I have ever had I paid it off and closed it as soon as possible!!!! Beware they are money crazy!!!

  • Cre

    This card is the worst card I have ever had I paid it off and closed it as soon as possible!!!! Beware they are money crazy!!!

  • Cre

    This card is the worst card I have ever had I paid it off and closed it as soon as possible!!!! Beware they are money crazy!!!

  • Dante Rapheal Davoli

    They told me I have a card and I never requested one. They then said I need to pay 75.00 up front wtf. I do not know who these freaks are.

  • Dante Rapheal Davoli

    They told me I have a card and I never requested one. They then said I need to pay 75.00 up front wtf. I do not know who these freaks are.

  • Dante Rapheal Davoli

    They told me I have a card and I never requested one. They then said I need to pay 75.00 up front wtf. I do not know who these freaks are.

  • Sarah King

    What about Credit One Bank for my Daughter just starting out Credit Wise?

    • http://billcollectorshateme.blogspot.com/ Bill Collectors Hate Me

      Credit One is decent but if you have a credit card just make her an authorized user and she will build her credit based on yours. Assuming you have good credit, of course!

    • Rae Mcg

      We have credit one bank and they are great. I always pay early and more then the minimum and even sometimes the full balance and they extended my credit limit and brought up my credit score

  • Sarah King

    What about Credit One Bank for my Daughter just starting out Credit Wise?

  • Sarah King

    What about Credit One Bank for my Daughter just starting out Credit Wise?

    • http://billcollectorshateme.com/ Bill Collectors Hate Me

      Credit One is decent but if you have a credit card just make her an authorized user and she will build her credit based on yours. Assuming you have good credit, of course!

    • Rae Mcg

      We have credit one bank and they are great. I always pay early and more then the minimum and even sometimes the full balance and they extended my credit limit and brought up my credit score

  • HappierNow

    These fees must be “plugs” or additions to the account. There is just no way possible that more than a few credit card companies could get away with this!

  • HappierNow

    These fees must be “plugs” or additions to the account. There is just no way possible that more than a few credit card companies could get away with this!

  • HappierNow

    These fees must be “plugs” or additions to the account. There is just no way possible that more than a few credit card companies could get away with this!

  • mzshann

    I have a First Premier Card & a few other cards & I must say this is the only card that gives me a headache!!!! I can honestly say I wouldn’t recommend to a live nor dead soul especially someone coming from bankruptcy..ahhh BEWARE

  • mzshann

    I have a First Premier Card & a few other cards & I must say this is the only card that gives me a headache!!!! I can honestly say I wouldn’t recommend to a live nor dead soul especially someone coming from bankruptcy..ahhh BEWARE

  • mzshann

    I have a First Premier Card & a few other cards & I must say this is the only card that gives me a headache!!!! I can honestly say I wouldn’t recommend to a live nor dead soul especially someone coming from bankruptcy..ahhh BEWARE

  • mzshann

    I have a First Premier Card & a few other cards & I must say this is the only card that gives me a headache!!!! I can honestly say I wouldn’t recommend to a live nor dead soul especially someone coming from bankruptcy..ahhh BEWARE

  • Anne

    As much as I agree with what is being said here, this card is still better than getting a payday loan. If you were to borrow,say, $300 the interest fee alone is $90 and thats without paying anything on the principle! If someone is paid bi-weekly and needs to have some quick cash, this can be very costly, I personally would rather have this card, pay the horrible fees, and it still comes out less expensive. Also, with a good payment history, they do report to the credit bureaus and that helps you in the future.

  • Anne

    As much as I agree with what is being said here, this card is still better than getting a payday loan. If you were to borrow,say, $300 the interest fee alone is $90 and thats without paying anything on the principle! If someone is paid bi-weekly and needs to have some quick cash, this can be very costly, I personally would rather have this card, pay the horrible fees, and it still comes out less expensive. Also, with a good payment history, they do report to the credit bureaus and that helps you in the future.

  • Anne

    As much as I agree with what is being said here, this card is still better than getting a payday loan. If you were to borrow,say, $300 the interest fee alone is $90 and thats without paying anything on the principle! If someone is paid bi-weekly and needs to have some quick cash, this can be very costly, I personally would rather have this card, pay the horrible fees, and it still comes out less expensive. Also, with a good payment history, they do report to the credit bureaus and that helps you in the future.

  • Jeff Holland

    I found out the hard way if you read the fine print that you cannot access an ATM machine for more than 25% of the initial limit. That means you can only draw out 25.00. I found out the hard way. After a couple months of payments they raise this to 50% of your total. I have never had a card that was this limited at an ATM. Its worthless.

  • Jeff Holland

    I found out the hard way if you read the fine print that you cannot access an ATM machine for more than 25% of the initial limit. That means you can only draw out 25.00. I found out the hard way. After a couple months of payments they raise this to 50% of your total. I have never had a card that was this limited at an ATM. Its worthless.

  • jholl99

    I found out the hard way if you read the fine print that you cannot access an ATM machine for more than 25% of the initial limit. That means you can only draw out 25.00. I found out the hard way. After a couple months of payments they raise this to 50% of your total. I have never had a card that was this limited at an ATM. Its worthless.

  • J. G.

    Its a credit card for people with bad or poor credit. Do you really think theyre going to be like, hey you have bad credit but here take all the money you need?!?!?!? Really, a little common sense goes a long way. If you have this card then youre lucky to have a card period and just be greatful that they gave you a chance to build your credit instead of being like every other card you applied for and got rejected from.

  • J. G.

    Its a credit card for people with bad or poor credit. Do you really think theyre going to be like, hey you have bad credit but here take all the money you need?!?!?!? Really, a little common sense goes a long way. If you have this card then youre lucky to have a card period and just be greatful that they gave you a chance to build your credit instead of being like every other card you applied for and got rejected from.

  • J. G.

    Its a credit card for people with bad or poor credit. Do you really think theyre going to be like, hey you have bad credit but here take all the money you need?!?!?!? Really, a little common sense goes a long way. If you have this card then youre lucky to have a card period and just be greatful that they gave you a chance to build your credit instead of being like every other card you applied for and got rejected from.

  • Kimmy

    As some of the other people have mentioned on this blog… This is a credit card to BUILD or REPAIR your credit. If you have poor credit history and no other company or retailer will give you a chance you have to start somewhere. I personally started with this credit card because no other bank would issue me a cc not even a Secured. Such as Capital One. (and my credit score isn’t even that bad ( 640 ) ) but I have had a horrible payment histories in the past and im a full time student so my income isn’t all that great…. I am actually quite grateful that their is a company that is willing to take a chance on me because how can I repair my credit if no one will give me the chance. So I jumped all over this.

  • Kimmy

    As some of the other people have mentioned on this blog… This is a credit card to BUILD or REPAIR your credit. If you have poor credit history and no other company or retailer will give you a chance you have to start somewhere. I personally started with this credit card because no other bank would issue me a cc not even a Secured. Such as Capital One. (and my credit score isn’t even that bad ( 640 ) ) but I have had a horrible payment histories in the past and im a full time student so my income isn’t all that great…. I am actually quite grateful that their is a company that is willing to take a chance on me because how can I repair my credit if no one will give me the chance. So I jumped all over this.

  • Guest

    As some of the other people have mentioned on this blog… This is a credit card to BUILD or REPAIR your credit. If you have poor credit history and no other company or retailer will give you an opportunity you have to start somewhere. I personally started with this credit card because no other bank would issue me a credit card not even a Secured (Such as Capital One) . My credit score isn’t even that bad (640), but because the lack of open accounts I’ve had in the past and the limited income im getting (Fulltime Student) I am actually quite grateful that their is a company that is willing to take a chance…

  • nukes08

    2 years ago I started rebuilding my credit after 7 years of stupid credit decisions. The first premier card was the only card I could get, orchard bank even told me no. It was a great builder card and even now it sits in my wallet next to my bank of America cash reward card, American express, citi diamond preferred and capital one quicksilver. It cost me $6 a month to hold it but it’s my longest standing account and it helped me change my life. Best life lessons don’t do the wrong things because it will cost you more to pull out of it. Also I was refunded my $119 application fee when i made my 3 months payments on times.

  • nukes08

    2 years ago I started rebuilding my credit after 7 years of stupid credit decisions. The first premier card was the only card I could get, orchard bank even told me no. It was a great builder card and even now it sits in my wallet next to my bank of America cash reward card, American express, citi diamond preferred and capital one quicksilver. It cost me $6 a month to hold it but it’s my longest standing account and it helped me change my life. Best life lessons don’t do the wrong things because it will cost you more to pull out of it. Also I was refunded my $119 application fee when i made my 3 months payments on times.

  • nukes08

    2 years ago I started rebuilding my credit after 7 years of stupid credit decisions. The first premier card was the only card I could get, orchard bank even told me no. It was a great builder card and even now it sits in my wallet next to my bank of America cash reward card, American express, citi diamond preferred and capital one quicksilver. It cost me $6 a month to hold it but it’s my longest standing account and it helped me change my life. Best life lessons don’t do the wrong things because it will cost you more to pull out of it. Also I was refunded my $119 application fee when i made my 3 months payments on times.

  • http://www.doctorofcredit.com/ doctorofcredit

    Easily the worst secured card on the market.

  • http://www.doctorofcredit.com/ doctorofcredit

    Easily the worst secured card on the market.

  • http://www.doctorofcredit.com/ doctorofcredit

    Easily the worst secured card on the market.

  • Gordo

    Anisha…Live with the fact you f _ _ked up your credit.
    Now who’s fault is that my dear? The bank’s? Your parents?
    Get a grip and pay your fees and quit whining about a bank
    that is willing to give all of us who screwed up our credit
    a second chance.

  • Gordo

    Anisha…Live with the fact you f _ _ked up your credit.
    Now who’s fault is that my dear? The bank’s? Your parents?
    Get a grip and pay your fees and quit whining about a bank
    that is willing to give all of us who screwed up our credit
    a second chance.

  • Gordo

    Anisha…Live with the fact you f _ _ked up your credit.
    Now who’s fault is that my dear? The bank’s? Your parents?
    Get a grip and pay your fees and quit whining about a bank
    that is willing to give all of us who screwed up our credit
    a second chance.

  • http://billcollectorshateme.blogspot.com/ Bill Collectors Hate Me

    I got this exact pre-approved offer in the mail today and it went right in the trash!

  • http://billcollectorshateme.blogspot.com/ Bill Collectors Hate Me

    I got this exact pre-approved offer in the mail today and it went right in the trash!

  • http://billcollectorshateme.com/ Bill Collectors Hate Me

    I got this exact pre-approved offer in the mail today and it went right in the trash!

  • sayyed_al_afghani

    I wonder how many of these positive reviews below are actually first premier employees trying to spread misinformation…

  • sayyed_al_afghani

    I wonder how many of these positive reviews below are actually first premier employees trying to spread misinformation…

  • sayyed_al_afghani

    I wonder how many of these positive reviews below are actually first premier employees trying to spread misinformation…

  • Lw

    Stay away!!!! Fees, Fees, Fees.

  • Lw

    Stay away!!!! Fees, Fees, Fees.

  • Lw

    Stay away!!!! Fees, Fees, Fees.

  • aspenron

    My experience of 5 years with with First Premier has been one of the worst nightmares ever. Never once over limit or late payment, a new account was opened in my name with a secondary address without my knowledge. When payment was not received,(as I did not know the account was open), received threatening, restricted phone calls, keep receiving bills, treated more and more rudely be employees on the phone. Obviously my accounts are flagged. Can’t seem to close 2 accounts even though they are payed off. PLEASE DO NOT DO BUISINESS WITH FIRST PREMIER…YOU WILL REGRET IT.

  • aspenron

    My experience of 5 years with with First Premier has been one of the worst nightmares ever. Never once over limit or late payment, a new account was opened in my name with a secondary address without my knowledge. When payment was not received,(as I did not know the account was open), received threatening, restricted phone calls, keep receiving bills, treated more and more rudely be employees on the phone. Obviously my accounts are flagged. Can’t seem to close 2 accounts even though they are payed off. PLEASE DO NOT DO BUISINESS WITH FIRST PREMIER…YOU WILL REGRET IT.

  • aspenron

    My experience of 5 years with with First Premier has been one of the worst nightmares ever. Never once over limit or late payment, a new account was opened in my name with a secondary address without my knowledge. When payment was not received,(as I did not know the account was open), received threatening, restricted phone calls, keep receiving bills, treated more and more rudely be employees on the phone. Obviously my accounts are flagged. Can’t seem to close 2 accounts even though they are payed off. PLEASE DO NOT DO BUISINESS WITH FIRST PREMIER…YOU WILL REGRET IT.

  • Gary Ross

    I was 45 my fico was 0. First Premier was the only bank to approve me… With strings. My card arrived i already owed over 50% of the limit. I knew this going in and paid the balance. I eventually got another card from them. Paid the balance. I now have over 40,000 in CC. First Premier is just a leg up and should not be used for anything else but getting a chance to build your credit score. Keep in mind avererage age of open account is a big factor in calculating your credit score.

    • Concerned

      I hope you don’t mind me asking, but exactly how did you succeed in going from a First Premier card to 40,000 in credit? How long did it take? I am in desperate need of very close to that sum of money, and trying to find ways to accomplish that. If you could maybe tell me how long it took you, and what your next steps were after the First Premier, I’d really appreciate it.

      • Gary Ross

        I was a zero. Never had any credit. First Premier was the only Bank that would give me a card. 175.00m balance on a 300.00 card. My only choice. Got the card used it paid it in full every month. They gave me another card…175.00 balance on a 300.00 card. While this was going on I was learning about how our credit scores are compiled. Using this along with getting good reports from frontier on my report I qualified for card from other companies. i now have a Discover over 7000, Chase Disney more then Discover, AX High again. All I did was pay all my bills on time and waited. I am and have been over 700 for a year plus now.

      • Rob Larkin

        Same here, except not quite at $40,000. First Premier was my first card (after years later from destroyed credit), the only one that would approve me. Unlike Gary, my credit had been destroyed by me years prior.

        I started with $300, $175 available and got another of the same card about 6 months later. I always paid on time and kept the utilization under 50% (I know, that’s high, but hard on such a low limit).

        After a year, I was able to get a couple other garbage cards, and paid them on time. I also requested limit increases every six months, which were approved (though very little, like an additional $100-150 [which they charge you a fee of 25% of the amount of the increase]).

        Then got approved for a couple retail cards like hhGregg and Amazon (both through GE Cap) and was able to get some slightly better cards through Merrick Bank and another.

        This process began in early 2011. I kept paying everything on time, never missing a single payment, and keeping the utilization less than 50% (more when possible).

        Now (2014), I just got approved for $6,000 through FNB Omaha and $5,000 Citi Visa about an hour ago. Across all trade lines, I have just shy of $30,000.

        So while First Premier is clearly not a competitive credit card for most folks, for those with no or badly damaged credit, it was the only thing that helped my claw my way back. I always told myself that I was buying my credit back through them and the other low quality cards; and that’s exactly what I did.

    • richard mccourt

      GO TO OPENSKYCC.COM AND GET THEIRS ONLY $29.00 I AM TELLING EVERYONE ON HERE AS I AM SURE HAPPY WITH THE OUTCOME OF MINE MAINLY AFTER READING ALL OF THESE STORIES ABOUT THE OUTRAGEOUS FEES. I DID PUT ANOTHER ABOUT 25.OO ON THE CARD JUST TO MAKE IT ABOUT 30% OF MY LIMIT AND WILL KEEP DOING SO FOR A FEW MONTHS MAYBE EVEN SEND IN ANOTHER 300 AND SEE IF THAT WILL HELP BRING SCORE UP ANYMORE…??? FORGOT TO SAY THIS ONE IS SECURED ALSO BUT YOU CAN PUT AS LITTLE AS 200 TO OPEN OR MORE IF YOU WANT. IMMED REPORTING TO CREDIT BUREAUS I WAS ALREADY SHOWING IN ALL THREE WHEN I GOT MY CARD WHICH WAS ABOUT 10 DAYS..CANT BEAT IT.

  • Gary Ross

    I was 45 my fico was 0. First Premier was the only bank to approve me… With strings. My card arrived i already owed over 50% of the limit. I knew this going in and paid the balance. I eventually got another card from them. Paid the balance. I now have over 40,000 in CC. First Premier is just a leg up and should not be used for anything else but getting a chance to build your credit score. Keep in mind avererage age of open account is a big factor in calculating your credit score.

  • Gary Ross

    I was 45 my fico was 0. First Premier was the only bank to approve me… With strings. My card arrived i already owed over 50% of the limit. I knew this going in and paid the balance. I eventually got another card from them. Paid the balance. I now have over 40,000 in CC. First Premier is just a leg up and should not be used for anything else but getting a chance to build your credit score. Keep in mind avererage age of open account is a big factor in calculating your credit score.

    • Concerned

      I hope you don’t mind me asking, but exactly how did you succeed in going from a First Premier card to 40,000 in credit? How long did it take? I am in desperate need of very close to that sum of money, and trying to find ways to accomplish that. If you could maybe tell me how long it took you, and what your next steps were after the First Premier, I’d really appreciate it.

      • Gary Ross

        I was a zero. Never had any credit. First Premier was the only Bank that would give me a card. 175.00m balance on a 300.00 card. My only choice. Got the card used it paid it in full every month. They gave me another card…175.00 balance on a 300.00 card. While this was going on I was learning about how our credit scores are compiled. Using this along with getting good reports from frontier on my report I qualified for card from other companies. i now have a Discover over 7000, Chase Disney more then Discover, AX High again. All I did was pay all my bills on time and waited. I am and have been over 700 for a year plus now.

      • Rob Larkin

        Same here, except not quite at $40,000. First Premier was my first card (years later from destroyed credit), the only one that would approve me. Unlike Gary, my credit had been destroyed by me years prior.

        I started with $300, $175 available and got another of the same card about 6 months later. I always paid on time and kept the utilization under 50% (I know, that’s high, but hard with such a low limit).

        After a year, I was able to get a couple other garbage cards, and paid them on time. I also requested limit increases every six months, which were approved (though very little, like an additional $100-150 [which they charge you a fee of 25% of the amount of the increase]).

        Then got approved for a couple retail cards like hhGregg and Amazon (both through GE Cap) and was able to get some slightly better cards through Merrick Bank and another.

        This process began in early 2011. I kept paying everything on time, never missing a single payment, and keeping the utilization less than 50% (more when possible).

        Now (2014), I just got approved for $6,000 through FNB Omaha and $5,000 Citi Visa about an hour ago. Across all trade lines, I have just shy of $30,000.

        So while First Premier is clearly not a competitive credit card for most folks, for those with no or badly damaged credit, it was the only thing that helped my claw my way back. I always told myself that I was buying my credit back through them and the other low quality cards; and that’s exactly what I did.

    • richard mccourt

      GO TO OPENSKYCC.COM AND GET THEIRS ONLY $29.00 I AM TELLING EVERYONE ON HERE AS I AM SURE HAPPY WITH THE OUTCOME OF MINE MAINLY AFTER READING ALL OF THESE STORIES ABOUT THE OUTRAGEOUS FEES. I DID PUT ANOTHER ABOUT 25.OO ON THE CARD JUST TO MAKE IT ABOUT 30% OF MY LIMIT AND WILL KEEP DOING SO FOR A FEW MONTHS MAYBE EVEN SEND IN ANOTHER 300 AND SEE IF THAT WILL HELP BRING SCORE UP ANYMORE…??? FORGOT TO SAY THIS ONE IS SECURED ALSO BUT YOU CAN PUT AS LITTLE AS 200 TO OPEN OR MORE IF YOU WANT. IMMED REPORTING TO CREDIT BUREAUS I WAS ALREADY SHOWING IN ALL THREE WHEN I GOT MY CARD WHICH WAS ABOUT 10 DAYS..CANT BEAT IT.

  • b grayson

    First Premier Bank is the worst company I have been involved with since ADT. Their employees are rude,cocky and arrogant! There was a mishap at my back that lead to my payment not going through…i have apologized to the company and to them when I was going to pay…I thought that was the end of the matter however I received phone calls at least 6 times a day from restricted numbers all hours of the day to ask the same question I just answered! I apologized again and told them the same answer again and I was treated horribly!!!! I am going to pay this card off and cancel it! I do not want to be involved with a company like this!

  • b grayson

    First Premier Bank is the worst company I have been involved with since ADT. Their employees are rude,cocky and arrogant! There was a mishap at my back that lead to my payment not going through…i have apologized to the company and to them when I was going to pay…I thought that was the end of the matter however I received phone calls at least 6 times a day from restricted numbers all hours of the day to ask the same question I just answered! I apologized again and told them the same answer again and I was treated horribly!!!! I am going to pay this card off and cancel it! I do not want to be involved with a company like this!

  • b grayson

    First Premier Bank is the worst company I have been involved with since ADT. Their employees are rude,cocky and arrogant! There was a mishap at my back that lead to my payment not going through…i have apologized to the company and to them when I was going to pay…I thought that was the end of the matter however I received phone calls at least 6 times a day from restricted numbers all hours of the day to ask the same question I just answered! I apologized again and told them the same answer again and I was treated horribly!!!! I am going to pay this card off and cancel it! I do not want to be involved with a company like this!

  • chris

    I got the pre-approved letter, opened website and seen the rates and fees My god 39% APR and $175 first annual fee for $700 limit. They got be kidding. How they expect anyone to use apply for this type of card. I ripped that application and binned it. I was just curious so googled to see if did any one actually using it. Surprisingly a lot of people using it. My advice do not apply/get ride off it if you already have one. You are not saving anything. Its not like you getting Credit Card, its like they getting credit card from your wallet, if you catch my point.

  • chris

    I got the pre-approved letter, opened website and seen the rates and fees My god 39% APR and $175 first annual fee for $700 limit. They got be kidding. How they expect anyone to use apply for this type of card. I ripped that application and binned it. I was just curious so googled to see if did any one actually using it. Surprisingly a lot of people using it. My advice do not apply/get ride off it if you already have one. You are not saving anything. Its not like you getting Credit Card, its like they getting credit card from your wallet, if you catch my point.

  • chris

    I got the pre-approved letter, opened website and seen the rates and fees My god 39% APR and $175 first annual fee for $700 limit. They got be kidding. How they expect anyone to use apply for this type of card. I ripped that application and binned it. I was just curious so googled to see if did any one actually using it. Surprisingly a lot of people using it. My advice do not apply/get ride off it if you already have one. You are not saving anything. Its not like you getting Credit Card, its like they getting credit card from your wallet, if you catch my point.

  • M.MORGAN

    *BEWARE!* this place is really a scam! DO YOUR RESEARCH!!

    ***THE BIGGEST RIP OFF PLEASE DONT WASTE YOUR TIME AND MONEY!!!*****

    $300
    (limit) – $95 (process fee) – $75 (annual fee) – $20 (sneaky monthly
    maintenance fee) – $6.00 or 5% whichever is greater(cash advance
    transaction fee) – $35 (late fee) – $35 (returned item charge) – 36%
    APR of 300 is $108 = DO THE MATH! YOU WILL NEVER COME OUT HAPPY or ON TOP AND YOU CREDIT WILL STILL BE CRAP!

    6
    MONTHS AGO A FIRST PREMIER BANK CREDIT CARD PHONE REPRESENITIVE WOMAN
    FROM THE NUMBER 1-800-603-8585 STOLE MY ELDERLY MOTHERS IDENITY , PUT
    HER FURTHER INTO DEBT AND PRETTY MUCH RUINED HER LIFE! PLEASE DONT LET
    IT HAPPEN TO YOU OR SOMEONE YOU KNOW ! WHATCH WHAT COMPANIES YOU GIVE
    YOUR INFORMATION TOO! THEY CAN TAKE IT AND SIGN UP FOR TONS OF CREDIT
    CARDS, WIPE YOUR BANK CLEAN! AND MUCH MORE!

    • richard mccourt

      TRUST ME EVERYONE GET THE OPENSKYCC.COM CREDIT CARD. ONLY $29 FEE AND I WAS APPROVED WITH A 518 SCORE. IT IS SECURED BUT YOU CAN OPEN WITH AS LITTLE AS 200.00 OR MORE IF YOU WANT BUT IT RAISED MY SCORE FROM 518 TO 583 SOON AS I GOT IT….I AM SATISFIED. I WAS IN SAME BOAT AS EVERONE OF YOU WHO ARE TRYING TO BRING UP SCORE OR REBUILD AND I DID PLENT OF RESEARCH AND READ ALL OF THE REVIEWS BUT JUST TRUST ME …YOU WILL BE APPROVED AND NO HARD PULL ON YOUR CREDIT EITHER..JUST KEEP LIMIT AT 30% OF THE CARD AND MAKE PYMTS BEFORE DUE DATE OR BY DUE DATE

      • Kalani

        STFU mccourt! I told you already!!

  • M.MORGAN

    *BEWARE!* this place is really a scam! DO YOUR RESEARCH!!

    ***THE BIGGEST RIP OFF PLEASE DONT WASTE YOUR TIME AND MONEY!!!*****

    $300
    (limit) – $95 (process fee) – $75 (annual fee) – $20 (sneaky monthly
    maintenance fee) – $6.00 or 5% whichever is greater(cash advance
    transaction fee) – $35 (late fee) – $35 (returned item charge) – 36%
    APR of 300 is $108 = DO THE MATH! YOU WILL NEVER COME OUT HAPPY or ON TOP AND YOU CREDIT WILL STILL BE CRAP!

    6
    MONTHS AGO A FIRST PREMIER BANK CREDIT CARD PHONE REPRESENITIVE WOMAN
    FROM THE NUMBER 1-800-603-8585 STOLE MY ELDERLY MOTHERS IDENITY , PUT
    HER FURTHER INTO DEBT AND PRETTY MUCH RUINED HER LIFE! PLEASE DONT LET
    IT HAPPEN TO YOU OR SOMEONE YOU KNOW ! WHATCH WHAT COMPANIES YOU GIVE
    YOUR INFORMATION TOO! THEY CAN TAKE IT AND SIGN UP FOR TONS OF CREDIT
    CARDS, WIPE YOUR BANK CLEAN! AND MUCH MORE!

  • M.SoLoW

    *BEWARE!* this place is really a scam! DO YOUR RESEARCH!!

    ***THE BIGGEST RIP OFF PLEASE DONT WASTE YOUR TIME AND MONEY!!!*****

    $300
    (limit) – $95 (process fee) – $75 (annual fee) – $20 (sneaky monthly
    maintenance fee) – $6.00 or 5% whichever is greater(cash advance
    transaction fee) – $35 (late fee) – $35 (returned item charge) – 36%
    APR of 300 is $108 = DO THE MATH! YOU WILL NEVER COME OUT HAPPY or ON TOP AND YOU CREDIT WILL STILL BE CRAP!

    6
    MONTHS AGO A FIRST PREMIER BANK CREDIT CARD PHONE REPRESENITIVE WOMAN
    FROM THE NUMBER 1-800-603-8585 STOLE MY ELDERLY MOTHERS IDENITY , PUT
    HER FURTHER INTO DEBT AND PRETTY MUCH RUINED HER LIFE! PLEASE DONT LET
    IT HAPPEN TO YOU OR SOMEONE YOU KNOW ! WHATCH WHAT COMPANIES YOU GIVE
    YOUR INFORMATION TOO! THEY CAN TAKE IT AND SIGN UP FOR TONS OF CREDIT
    CARDS, WIPE YOUR BANK CLEAN! AND MUCH MORE!

  • S.Chain

    Dont get this cards. This people are crooks.

  • S.Chain

    Dont get this cards. This people are crooks.

  • S.Chain

    Dont get this cards. This people are crooks.

  • Master Waller

    My god, i applied for card, they sent me the card and say i owe them 81 bucks right off the get go. I suppose if i dont pay they’ll send it to collections. I havnt even activated card and booom, already a bill. Kinda defeats the idea of getting a credit card.

  • Master Waller

    My god, i applied for card, they sent me the card and say i owe them 81 bucks right off the get go. I suppose if i dont pay they’ll send it to collections. I havnt even activated card and booom, already a bill. Kinda defeats the idea of getting a credit card.

  • Master Waller

    My god, i applied for card, they sent me the card and say i owe them 81 bucks right off the get go. I suppose if i dont pay they’ll send it to collections. I havnt even activated card and booom, already a bill. Kinda defeats the idea of getting a credit card.

  • Lisa Hopkins

    I have the card my name is Lisa Hopkins and they have already sent to collections that im late with a payment and they say you your later than you are I can be late maybe ten days they say im late like sixty day sixty days .im done with them they are not good ar all.

  • Lisa Hopkins

    I have the card my name is Lisa Hopkins and they have already sent to collections that im late with a payment and they say you your later than you are I can be late maybe ten days they say im late like sixty day sixty days .im done with them they are not good ar all.

  • Lisa Hopkins

    I have the card my name is Lisa Hopkins and they have already sent to collections that im late with a payment and they say you are more later than you are I can be late maybe ten days they say im late like sixty day .im done with them they are not good at all I thought it would help me its messing me up more never again in life .the are bad business please say no to this card..

  • kennylc

    Well, as I am always saying. These bad-credit credit card issuers know what they are doing. If we want a card that badly, we have no choice but to deal with all of their upfront fees. Sadly, I opened this card because I fell in the bad credit category. I recently been approved for “real” credit cards with “grown-up” credit limits.

    It is kinda messed up that these credit cards have a full time department devoted to coming up with new fees.

  • kennylc

    Well, as I am always saying. These bad-credit credit card issuers know what they are doing. If we want a card that badly, we have no choice but to deal with all of their upfront fees. Sadly, I opened this card because I fell in the bad credit category. I recently been approved for “real” credit cards with “grown-up” credit limits.

    It is kinda messed up that these credit cards have a full time department devoted to coming up with new fees.

  • kennylc

    Well, as I am always saying. These bad-credit credit card issuers know what they are doing. If we want a card that badly, we have no choice but to deal with all of their upfront fees. Sadly, I opened this card because I fell in the bad credit category. I recently been approved for “real” credit cards with “grown-up” credit limits.

    It is kinda messed up that these credit cards have a full time department devoted to coming up with new fees.

  • Kat Martin

    DO NOT ACCEPT THIS CREDIT CARD….I didn’t even have “bad” credit when I was sent the pre-approval notice in the mail one year ago but boy was I stupid to accept the offer. I’m paying the 49.00 annual fee and A NEW (just started last month) 14.50 PER MONTH SERVICE FEE and 36% interest.
    This must be illegal? I thought they had laws against all the fee’s the credit card companies are charging? needless to say I’m closing my account and warning others DO NOT DO BUSINESS WITH THIS COMPANY it is not worth it. There are other companies out there that do not take advantage of people trying to rebuild or establish credit well at least not to this degree.SHAME ON YOU FIRST PREMIER MASTERCARD!!!!!!!!!!!!!!

  • Kat Martin

    DO NOT ACCEPT THIS CREDIT CARD….I didn’t even have “bad” credit when I was sent the pre-approval notice in the mail one year ago but boy was I stupid to accept the offer. I’m paying the 49.00 annual fee and A NEW (just started last month) 14.50 PER MONTH SERVICE FEE and 36% interest.
    This must be illegal? I thought they had laws against all the fee’s the credit card companies are charging? needless to say I’m closing my account and warning others DO NOT DO BUSINESS WITH THIS COMPANY it is not worth it. There are other companies out there that do not take advantage of people trying to rebuild or establish credit well at least not to this degree.SHAME ON YOU FIRST PREMIER MASTERCARD!!!!!!!!!!!!!!

  • Kat Martin

    DO NOT ACCEPT THIS CREDIT CARD….I didn’t even have “bad” credit when I was sent the pre-approval notice in the mail one year ago but boy was I stupid to accept the offer. I’m paying the 49.00 annual fee and A NEW (just started last month) 14.50 PER MONTH SERVICE FEE and 36% interest.
    This must be illegal? I thought they had laws against all the fee’s the credit card companies are charging? needless to say I’m closing my account and warning others DO NOT DO BUSINESS WITH THIS COMPANY it is not worth it. There are other companies out there that do not take advantage of people trying to rebuild or establish credit well at least not to this degree.SHAME ON YOU FIRST PREMIER MASTERCARD!!!!!!!!!!!!!!

  • Eva

    I have a question for anybody who can give me accurate knowledgeable answer. My credit is at a stand still. My very first and only credit card went bad due to me falling on hard times. It was a capital one card with a $500 limit. I payed the card off about two years ago. With fees and everything i payed about $1500. Anywho i have recieved the first premier pre approval letter and i am tempted to open the account, however i am looking at these reviews and having second thoughts.I currently have 0 open accounts on my credit. My actual question is would it benefit me in ANY way if i opened this first premier account, payed the $75 or any other fees associated, and never use the card???

    • richard mccourt

      I will tell you what I did in Feb and raised my score 70 points in one month. I was on Credit Karma and ran across the open sky credit card. First I had applied for another one and was turned down. Well, open sky approved me and the annual fee only 29.00. My score went up 70 points I received the card within 10 days and it was already showing with all 3 bureaus. It is a secured one but I only put up 200 and it was well worth it. My score was 518 and soon as received the card it went up to 583… Just made my first pymt. Also don’t use over 30% of the amt of the credit limit each month…

    • richard mccourt

      STOP! DONT OPEN THAT ONE PLEASE READ ALL I HAVE HAD TO SAY ON HERE ABOUT THE OPENSKY CREDIT CARD I JUST GOT AND ONLY 29.00 YEAR FEE. I AM VERY HAPPY WITH MINE AND NO HARD PULL ON YOUR REPORT EITHER. ALSO REPORTS TO ALL 3 CREDIT BUREAUS SOON AS YOU SEND IN YOUR MIN PYMT WHICH I ONLY DID THE 200 MAY SEND IN MORE LATER BUT FOR NOW AND FACT THAT MY SCORE INCREASED FROM 518 TO 583 MAY TRY TO SEE IF BY INCREASING WILL HELP MY SCORE EVEN MORE…TRUST ME DONT ORDER THE OTHER ONE TRY THIS CARD. WISH YOU COULD LET ME KNOW THE OUTCOME BUT I AM TRYING TO LET EVERYONE ON HERE KNOW ABOUT THE CARD I ORDERED WITH MY SCORE.

      • Kalani

        Shut up mccourt! You dipstick!

    • Marlene

      The exact same thing happened to me. I applied and of course I had to pay a fee. I paid and received my card. The APR wasn’t so high as I thought it would be. So far I have about a year with the card and I have not had an issue. The only thing I don’t like about it is that you have to schedule your payment days before its due. I’ve been on time with all my payments and I have now received credit card offers from others. Hope this helps you.

  • Eva

    I have a question for anybody who can give me accurate knowledgeable answer. My credit is at a stand still. My very first and only credit card went bad due to me falling on hard times. It was a capital one card with a $500 limit. I payed the card off about two years ago. With fees and everything i payed about $1500. Anywho i have recieved the first premier pre approval letter and i am tempted to open the account, however i am looking at these reviews and having second thoughts.I currently have 0 open accounts on my credit. My actual question is would it benefit me in ANY way if i opened this first premier account, payed the $75 or any other fees associated, and never use the card???

  • Eva

    I have a question for anybody who can give me accurate knowledgeable answer. My credit is at a stand still. My very first and only credit card went bad due to me falling on hard times. It was a capital one card with a $500 limit. I payed the card off about two years ago. With fees and everything i payed about $1500. Anywho i have recieved the first premier pre approval letter and i am tempted to open the account, however i am looking at these reviews and having second thoughts.I currently have 0 open accounts on my credit. My actual question is would it benefit me in ANY way or raise my credit score at all if i opened this first premier account, payed the $75 or any other fees associated, and never use the card???

    • richard mccourt

      STOP! DONT OPEN THAT ONE PLEASE READ ALL I HAVE HAD TO SAY ON HERE ABOUT THE OPENSKY CREDIT CARD I JUST GOT AND ONLY 29.00 YEAR FEE. I AM VERY HAPPY WITH MINE AND NO HARD PULL ON YOUR REPORT EITHER. ALSO REPORTS TO ALL 3 CREDIT BUREAUS SOON AS YOU SEND IN YOUR MIN PYMT WHICH I ONLY DID THE 200 MAY SEND IN MORE LATER BUT FOR NOW AND FACT THAT MY SCORE INCREASED FROM 518 TO 583 MAY TRY TO SEE IF BY INCREASING WILL HELP MY SCORE EVEN MORE…TRUST ME DONT ORDER THE OTHER ONE TRY THIS CARD. WISH YOU COULD LET ME KNOW THE OUTCOME BUT I AM TRYING TO LET EVERYONE ON HERE KNOW ABOUT THE CARD I ORDERED WITH MY SCORE.

      • Kalani

        Shut up mccourt! You dipstick!

    • Marlene

      The exact same thing happened to me. I applied and of course I had to pay a fee. I paid and received my card. The APR wasn’t so high as I thought it would be. So far I have about a year with the card and I have not had an issue. The only thing I don’t like about it is that you have to schedule your payment days before its due. I’ve been on time with all my payments and I have now received credit card offers from others. Hope this helps you.

  • Viviana Cornejo

    Don’t do it. I opened an account with them when I was going through a very hard financial time. I was grateful that I was able to, I needed it in that time, but, they do make money with you. The monthly charge, just for the fact of having it is $7 even if you have $0 balance.
    I closed the account, today, and the customer service guy tried to convinced me in many ways how it will affect my credit for closing this account. I kept telling him that I’ve made my mind, he very rudely said “okay” and hung up on me. Weird reaction for someone who’s supposed to be “customer service”.
    I really don’t recommend to open this credit card. Try to find something different, take some time when you’re not in a rush and do your research. Check with Consumer Reports, Finance Report pages, before making a decision. You may find boring reading so much information, but at the end, it’s very much worth. Take care.

  • Viviana Cornejo

    Don’t do it. I opened an account with them when I was going through a very hard financial time. I was grateful that I was able to, I needed it in that time, but, they do make money with you. The monthly charge, just for the fact of having it is $7 even if you have $0 balance.
    I closed the account, today, and the customer service guy tried to convinced me in many ways how it will affect my credit for closing this account. I kept telling him that I’ve made my mind, he very rudely said “okay” and hung up on me. Weird reaction for someone who’s supposed to be “customer service”.
    I really don’t recommend to open this credit card. Try to find something different, take some time when you’re not in a rush and do your research. Check with Consumer Reports, Finance Report pages, before making a decision. You may find boring reading so much information, but at the end, it’s very much worth. Take care.

  • Viviana Cornejo

    Don’t do it. I opened an account with them when I was going through a very hard financial time. I was grateful that I was able to, I needed it in that time, but, they do make money with you. The monthly charge, just for the fact of having it is $7 even if you have $0 balance.
    I closed the account, today, and the customer service guy tried to convinced me in many ways how it will affect my credit for closing this account. I kept telling him that I’ve made my mind, he very rudely said “okay” and hung up on me. Weird reaction for someone who’s supposed to be “customer service”.
    I really don’t recommend to open this credit card. Try to find something different, take some time when you’re not in a rush and do your research. Check with Consumer Reports, Finance Report pages, before making a decision. You may find boring reading so much information, but at the end, it’s very much worth. Take care.

  • richard mccourt

    FOR EVERYONE ON HERE TRYING TO GET A SECURED CARD AND DONT WANT TO BE RIPPED OFF GO TO OPENSKYCC.COM AND TRUST ME YOU WILL BE SATISFIED. I AM REPEATING MYSELF MANY TIMES ON HERE AS I AM VERY SATISIFED AND MORESO THAT MY SCORE WAS RAISED IMMED FROM 518 TO 583 SOON AS I GOT THE CARD. DONT THINK THEY TURN ANYONE DOWN AND YOU CAN FUND IT CARD BY PREPAID DEBIT CARD IF NEEDED AS WELL AS PAY YOUR MONTH PYMT SO NO WORRY ABOUT MAILING OR BEING LATE EITHER. FEE ONLY $29.00…..I KEEP SAYING I AM VERY SATISFIED AND WAS IN SAME BOAT AS EVERYONE ELSE ON HERE THANK GOODNESS I DID NOT RUN ACROSS THE ONE EVERYONE IS TALKING ABOUT 1ST PREMIER OR WHATEVER IT IS. ANYWAY, JUST MADE MY FIRST PYMT ON MINE A FEW DAYS AGO. PLEASE PASS THIS INFO ON TO OTHERS BEFORE THEY GET RIPPED OFF BY THEM AS THERE IS OTHER OPTIONS AND YES, I WAS FIRST TURNED DOWN BY CAPITAL ONE CREDIT CARD FOR THE SECURED CARD AND WAS REALLY WORRIED BUT LUCKILY RAN ACROSS THIS ONE. IT IS ISSUED BY CAPITAL BANK BUT NOT AFFILIATED WITH CAPITAL ONE AND THE NAME OF THE CARD IS OPENSKY BUT MUST PUT IN OPENSKYCC.COM TO APPLY. I BET I HANG ON TO THIS ONE AND DONT MAKE ANY MISTAKES FROM WHAT I AM READING ON HERE.. I THINK MY RATE SHOWS AS 17%

    • Patty Cita

      i think you work there

    • Kalani

      YEah you dipshit

  • richard mccourt

    FOR EVERYONE ON HERE TRYING TO GET A SECURED CARD AND DONT WANT TO BE RIPPED OFF GO TO OPENSKYCC.COM AND TRUST ME YOU WILL BE SATISFIED. I AM REPEATING MYSELF MANY TIMES ON HERE AS I AM VERY SATISIFED AND MORESO THAT MY SCORE WAS RAISED IMMED FROM 518 TO 583 SOON AS I GOT THE CARD. DONT THINK THEY TURN ANYONE DOWN AND YOU CAN FUND IT CARD BY PREPAID DEBIT CARD IF NEEDED AS WELL AS PAY YOUR MONTH PYMT SO NO WORRY ABOUT MAILING OR BEING LATE EITHER. FEE ONLY $29.00…..I KEEP SAYING I AM VERY SATISFIED AND WAS IN SAME BOAT AS EVERYONE ELSE ON HERE THANK GOODNESS I DID NOT RUN ACROSS THE ONE EVERYONE IS TALKING ABOUT 1ST PREMIER OR WHATEVER IT IS. ANYWAY, JUST MADE MY FIRST PYMT ON MINE A FEW DAYS AGO. PLEASE PASS THIS INFO ON TO OTHERS BEFORE THEY GET RIPPED OFF BY THEM AS THERE IS OTHER OPTIONS AND YES, I WAS FIRST TURNED DOWN BY CAPITAL ONE CREDIT CARD FOR THE SECURED CARD AND WAS REALLY WORRIED BUT LUCKILY RAN ACROSS THIS ONE. IT IS ISSUED BY CAPITAL BANK BUT NOT AFFILIATED WITH CAPITAL ONE AND THE NAME OF THE CARD IS OPENSKY BUT MUST PUT IN OPENSKYCC.COM TO APPLY. I BET I HANG ON TO THIS ONE AND DONT MAKE ANY MISTAKES FROM WHAT I AM READING ON HERE.. I THINK MY RATE SHOWS AS 17%

  • richard mccourt

    FOR EVERYONE ON HERE TRYING TO GET A SECURED CARD AND DONT WANT TO BE RIPPED OFF GO TO OPENSKYCC.COM AND TRUST ME YOU WILL BE SATISFIED. I AM REPEATING MYSELF MANY TIMES ON HERE AS I AM VERY SATISIFED AND MORESO THAT MY SCORE WAS RAISED IMMED FROM 518 TO 583 SOON AS I GOT THE CARD. DONT THINK THEY TURN ANYONE DOWN AND YOU CAN FUND IT CARD BY PREPAID DEBIT CARD IF NEEDED AS WELL AS PAY YOUR MONTH PYMT SO NO WORRY ABOUT MAILING OR BEING LATE EITHER. FEE ONLY $29.00…..I KEEP SAYING I AM VERY SATISFIED AND WAS IN SAME BOAT AS EVERYONE ELSE ON HERE THANK GOODNESS I DID NOT RUN ACROSS THE ONE EVERYONE IS TALKING ABOUT 1ST PREMIER OR WHATEVER IT IS. ANYWAY, JUST MADE MY FIRST PYMT ON MINE A FEW DAYS AGO. PLEASE PASS THIS INFO ON TO OTHERS BEFORE THEY GET RIPPED OFF BY THEM AS THERE IS OTHER OPTIONS AND YES, I WAS FIRST TURNED DOWN BY CAPITAL ONE CREDIT CARD FOR THE SECURED CARD AND WAS REALLY WORRIED BUT LUCKILY RAN ACROSS THIS ONE. IT IS ISSUED BY CAPITAL BANK BUT NOT AFFILIATED WITH CAPITAL ONE AND THE NAME OF THE CARD IS OPENSKY BUT MUST PUT IN OPENSKYCC.COM TO APPLY. I BET I HANG ON TO THIS ONE AND DONT MAKE ANY MISTAKES FROM WHAT I AM READING ON HERE.. I THINK MY RATE SHOWS AS 17%

    • Patty Cita

      i think you work there

    • Kalani

      YEah you dipshit

  • richard mccourt

    I HOPE THAT EVERYONE THAT READS MY COMMENT ABOUT THE OPENSK CREDIT CARD I GOT WILL POST ON HERE AND LET EVERYONE ELSE KNOW HOW IT WORKED OUT FOR THEM AS WELL. CAN SAVE ALOT OF PEOPLE ALOT OF HEADACHES AND MONEY I HAVE POSTED ABOUT 10 x TODAY ABOUT HOW SATISFIED I AM ABOUT MINE. YES SCORE OF ONLY 518 AND WAS IMMED RAISED TO 583 AFTER RECEIVING THE CARD.

  • richard mccourt

    I HOPE THAT EVERYONE THAT READS MY COMMENT ABOUT THE OPENSK CREDIT CARD I GOT WILL POST ON HERE AND LET EVERYONE ELSE KNOW HOW IT WORKED OUT FOR THEM AS WELL. CAN SAVE ALOT OF PEOPLE ALOT OF HEADACHES AND MONEY I HAVE POSTED ABOUT 10 x TODAY ABOUT HOW SATISFIED I AM ABOUT MINE. YES SCORE OF ONLY 518 AND WAS IMMED RAISED TO 583 AFTER RECEIVING THE CARD.

  • richard mccourt

    I HOPE THAT EVERYONE THAT READS MY COMMENT ABOUT THE OPENSK CREDIT CARD I GOT WILL POST ON HERE AND LET EVERYONE ELSE KNOW HOW IT WORKED OUT FOR THEM AS WELL. CAN SAVE ALOT OF PEOPLE ALOT OF HEADACHES AND MONEY I HAVE POSTED ABOUT 10 x TODAY ABOUT HOW SATISFIED I AM ABOUT MINE. YES SCORE OF ONLY 518 AND WAS IMMED RAISED TO 583 AFTER RECEIVING THE CARD.

  • Jim Smith

    I’m so glad I found this post! I have a “preapproved” offer from First Premier, and I just tore it up after reading this post. And I agree with the other poster, I have Open Sky. I had to pre-pay into a savings account, but that’s fine; it will help rebuild my credit. And I’ve been happy with them. It’s not as good as “real” credit card of course, but when you have bad credit and are trying to rebuild it, you have to start somewhere.

    • BabyDota

      Your pre-pay card wont help you to rebuild your credit . Unless you talked about secured credit card.

  • Jim Smith

    I’m so glad I found this post! I have a “preapproved” offer from First Premier, and I just tore it up after reading this post. And I agree with the other poster, I have Open Sky. I had to pre-pay into a savings account, but that’s fine; it will help rebuild my credit. And I’ve been happy with them. It’s not as good as “real” credit card of course, but when you have bad credit and are trying to rebuild it, you have to start somewhere.

  • Jim Smith

    I’m so glad I found this post! I have a “preapproved” offer from First Premier, and I just tore it up after reading this post. And I agree with the other poster, I have Open Sky. I had to pre-pay into a savings account, but that’s fine; it will help rebuild my credit. And I’ve been happy with them. It’s not as good as “real” credit card of course, but when you have bad credit and are trying to rebuild it, you have to start somewhere.

    • BabyDota

      Your pre-pay card wont help you to rebuild your credit . Unless you talked about secured credit card.

  • Ally

    I have a First Premier card, so does my spouse. Yes, it was a ripoff, but due to circumstances beyond my control, I have bad credit. I have 2 judgments for past debts on my credit report. One of them is unsatisfied due to the creditor wanting 1 650.00 payment. Who has that laying around? My spouse had a bankruptcy over 10 years ago, and had no credit due to that. For those reasons, we expected a high APR. We understand the reasoning for having pay 150.00 in annual and monthly service fees. We understood having an application fee, which I like to call a down payment. Based on our credit history, we were a risk. I’m glad that they’re taking a risk on people.

    Honestly, it’s a step up from going to a cash advance loan place and paying 400% APR and having to pay it in 1 lump sum.

    Is this a good card for people that qualify for better cards? No. Is it good for people that need a second chance? Yes. Especially since I’ve been approved for things even though I have an unsatisfied judgement, because of the reviews of the debt collector and the fact that I have a First Premier card and now a Capitol One unsecured card that I keep paid off.

  • Ally

    I have a First Premier card, so does my spouse. Yes, it was a ripoff, but due to circumstances beyond my control, I have bad credit. I have 2 judgments for past debts on my credit report. One of them is unsatisfied due to the creditor wanting 1 650.00 payment. Who has that laying around? My spouse had a bankruptcy over 10 years ago, and had no credit due to that. For those reasons, we expected a high APR. We understand the reasoning for having pay 150.00 in annual and monthly service fees. We understood having an application fee, which I like to call a down payment. Based on our credit history, we were a risk. I’m glad that they’re taking a risk on people.

    Honestly, it’s a step up from going to a cash advance loan place and paying 400% APR and having to pay it in 1 lump sum.

    Is this a good card for people that qualify for better cards? No. Is it good for people that need a second chance? Yes. Especially since I’ve been approved for things even though I have an unsatisfied judgement, because of the reviews of the debt collector and the fact that I have a First Premier card and now a Capitol One unsecured card that I keep paid off.

  • Ally

    I have a First Premier card, so does my spouse. Yes, it was a ripoff, but due to circumstances beyond my control, I have bad credit. I have 2 judgments for past debts on my credit report. One of them is unsatisfied due to the creditor wanting 1 650.00 payment. Who has that laying around? My spouse had a bankruptcy over 10 years ago, and had no credit due to that. For those reasons, we expected a high APR. We understand the reasoning for having pay 150.00 in annual and monthly service fees. We understood having an application fee, which I like to call a down payment. Based on our credit history, we were a risk. I’m glad that they’re taking a risk on people.

    Honestly, it’s a step up from going to a cash advance loan place and paying 400% APR and having to pay it in 1 lump sum.

    Is this a good card for people that qualify for better cards? No. Is it good for people that need a second chance? Yes. Especially since I’ve been approved for things even though I have an unsatisfied judgement, because of the reviews of the debt collector and the fact that I have a First Premier card and now a Capitol One unsecured card that I keep paid off.

  • Fayza

    WORST CREDIT CARD EVER! HUGE SCAM !!! INCOMPETENT ASSOCIATES WORKING TO RIP YOU OFF! AFTER SAYING WE OWE NOTHING SLAMMED US WITH A $200+ AMT FEE!!! WORST OF ALL THAT WAS DONE AFTER WE WERE TOLD WE OWED NOTHING AND CANCELED THE CARD…JUST GOT OFF THE PHONE..MY ADVICE ISS RECORD YOUR CONVERSATION BECAUSE THESE IMCOMPETANT BURGER FLIPPING SIDE JOB FOOLS LACK THAT SORT OF TECHNOLOGY. HUGE SCAM!!!!! AND REALLY NOT WORTH DEALING WITH!!

  • Fayza

    WORST CREDIT CARD EVER! HUGE SCAM !!! INCOMPETENT ASSOCIATES WORKING TO RIP YOU OFF! AFTER SAYING WE OWE NOTHING SLAMMED US WITH A $200+ AMT FEE!!! WORST OF ALL THAT WAS DONE AFTER WE WERE TOLD WE OWED NOTHING AND CANCELED THE CARD…JUST GOT OFF THE PHONE..MY ADVICE ISS RECORD YOUR CONVERSATION BECAUSE THESE IMCOMPETANT BURGER FLIPPING SIDE JOB FOOLS LACK THAT SORT OF TECHNOLOGY. HUGE SCAM!!!!! AND REALLY NOT WORTH DEALING WITH!!

  • Fayza

    WORST CREDIT CARD EVER! HUGE SCAM !!! INCOMPETENT ASSOCIATES WORKING TO RIP YOU OFF! AFTER SAYING WE OWE NOTHING SLAMMED US WITH A $200+ AMT FEE!!! WORST OF ALL THAT WAS DONE AFTER WE WERE TOLD WE OWED NOTHING AND CANCELED THE CARD…JUST GOT OFF THE PHONE..MY ADVICE ISS RECORD YOUR CONVERSATION BECAUSE THESE IMCOMPETANT BURGER FLIPPING SIDE JOB FOOLS LACK THAT SORT OF TECHNOLOGY. HUGE SCAM!!!!! AND REALLY NOT WORTH DEALING WITH!!

  • Bozo.

    You can do this also…..
    1. Get the First Premire Card. Use $225 on it every month. Pay it all off every month. When Due.
    After about 10-12 months.Your Credit will be ok. Not bad..
    Then apply for 1,2 everyday credit cards. When you get one. Drop Premire.
    And the fees.
    And start building your credit up…
    For us that have had bad credit in the past. This is a good way to start over again..
    I am starting over… And millions are also…
    Keep in mind. Things can go south for anyone.. Anytime…

  • Bozo.

    You can do this also…..
    1. Get the First Premire Card. Use $225 on it every month. Pay it all off every month. When Due.
    After about 10-12 months.Your Credit will be ok. Not bad..
    Then apply for 1,2 everyday credit cards. When you get one. Drop Premire.
    And the fees.
    And start building your credit up…
    For us that have had bad credit in the past. This is a good way to start over again..
    I am starting over… And millions are also…
    Keep in mind. Things can go south for anyone.. Anytime…

  • Bozo.

    You can do this also…..
    1. Get the First Premire Card. Use $225 on it every month. Pay it all off every month. When Due.
    After about 10-12 months.Your Credit will be ok. Not bad..
    Then apply for 1,2 everyday credit cards. When you get one. Drop Premire.
    And the fees.
    And start building your credit up…
    For us that have had bad credit in the past. This is a good way to start over again..
    I am starting over… And millions are also…
    Keep in mind. Things can go south for anyone.. Anytime…

  • Someone

    Not a helpful bunch at First Premier! First guy wouldn’t help me then transferred me to the wrong extension. Second lady was angry to start with. This card was a ripoff I have to pay to use it then they don’t want to provide customer service. What a rip!

  • Someone

    Not a helpful bunch at First Premier! First guy wouldn’t help me then transferred me to the wrong extension. Second lady was angry to start with. This card was a ripoff I have to pay to use it then they don’t want to provide customer service. What a rip!

  • Someone

    Not a helpful bunch at First Premier! First guy wouldn’t help me then transferred me to the wrong extension. Second lady was angry to start with. This card was a ripoff I have to pay to use it then they don’t want to provide customer service. What a rip!

  • mitzeymouse

    These people are a joke. My husband has one and has had it for years. I paid it down to 90.00 and they slapped an annual fee of 48.00 on there. We are in the process of buying a house so after we sign the papers at closing this card will be paid of and told to kiss my a$$

  • mitzeymouse

    These people are a joke. My husband has one and has had it for years. I paid it down to 90.00 and they slapped an annual fee of 48.00 on there. We are in the process of buying a house so after we sign the papers at closing this card will be paid of and told to kiss my a$$

  • mitzeymouse

    These people are a joke. My husband has one and has had it for years. I paid it down to 90.00 and they slapped an annual fee of 48.00 on there. We are in the process of buying a house so after we sign the papers at closing this card will be paid of and told to kiss my a$$

  • Marc

    NEVER, EVER, EVER get a First Premier credit card! They are the worst! I plan on paying them off this year and just keep my Capital One card. Don’t ever fall behind because these people will call you non-stop. We’re talking a few times a day people. For days at a time. I laugh nowadays when they ask if there is an alternate phone number they can reach me at. Ha! Yeah right, I tell ’em. Their fees are insane, both monthly and yearly. That $76 fee pops up and smacks you out of nowhere. Just when you get your credit under the limit and got your budget worked out, that $76 fee comes smashing through and now you’re getting over-the-limit calls from these people.

    NEVER, EVER, EVER get a First Premier credit card. It is simply not worth it!

    Great article, girl! Keep spreading the truth.

  • Marc

    NEVER, EVER, EVER get a First Premier credit card! They are the worst! I plan on paying them off this year and just keep my Capital One card. Don’t ever fall behind because these people will call you non-stop. We’re talking a few times a day people. For days at a time. I laugh nowadays when they ask if there is an alternate phone number they can reach me at. Ha! Yeah right, I tell ’em. Their fees are insane, both monthly and yearly. That $76 fee pops up and smacks you out of nowhere. Just when you get your credit under the limit and got your budget worked out, that $76 fee comes smashing through and now you’re getting over-the-limit calls from these people.

    NEVER, EVER, EVER get a First Premier credit card. It is simply not worth it!

    Great article, girl! Keep spreading the truth.

  • Marc

    NEVER, EVER, EVER get a First Premier credit card! They are the worst! I plan on paying them off this year and just keep my Capital One card. Don’t ever fall behind because these people will call you non-stop. We’re talking a few times a day people. For days at a time. I laugh nowadays when they ask if there is an alternate phone number they can reach me at. Ha! Yeah right, I tell ’em. Their fees are insane, both monthly and yearly. That $76 fee pops up and smacks you out of nowhere. Just when you get your credit under the limit and got your budget worked out, that $76 fee comes smashing through and now you’re getting over-the-limit calls from these people.

    NEVER, EVER, EVER get a First Premier credit card. It is simply not worth it!

    Great article, girl! Keep spreading the truth.

  • Rae Mcg

    I have a question I already completed the online application and having a card sent to me can I still get out of if I don’t activate it????

  • Rae Mcg

    I have a question I already completed the online application and having a card sent to me can I still get out of if I don’t activate it????

  • Rae Mcg

    I have a question I already completed the online application and having a card sent to me can I still get out of if I don’t activate it????

  • Rae Mcg

    I have a question I already completed the online application and having a card sent to me can I still get out of if I don’t activate it????

  • lyal

    Just applied for one and got approved, but the $95 processing fee up front was suspicious. Thank you for this post.

  • lyal

    Just applied for one and got approved, but the $95 processing fee up front was suspicious. Thank you for this post.

  • lyal

    Just applied for one and got approved, but the $95 processing fee up front was suspicious. Thank you for this post.

  • Jared Wilson

    They just sent me a pre-approved offer for a Master Card in the mail. The ‘processing fee’ is $29.00 which has to be paid BEFORE the card can be activated-plus a $25.00 annual fee-plus a $8.25 monthly servicing fee. No thanks.

  • Jared Wilson

    They just sent me a pre-approved offer for a Master Card in the mail. The ‘processing fee’ is $29.00 which has to be paid BEFORE the card can be activated-plus a $25.00 annual fee-plus a $8.25 monthly servicing fee. No thanks.

  • Jared Wilson

    They just sent me a pre-approved offer for a Master Card in the mail. The ‘processing fee’ is $29.00 which has to be paid BEFORE the card can be activated-plus a $25.00 annual fee-plus a $8.25 monthly servicing fee. No thanks.

  • Selina Jackson

    Hi everyone, I do hope my post gets read and hopefully helps somebody along the line.i will never forget the help priest okpobo temple render to me in my marital life. i have been married for 4 years now and my husband and i love each other very dearly . after 3 years of our marriage my husband suddenly change he was having an affair with a lady outside,i notice it then i was praying for divine intervention the thing became more serious i told my pastor about it we prayed but nothing happen. my husband just came home one day he pick up his things and left me and the kids to his mistress outside at this time i was confuse not knowing what to do again because i have lost my husband and my marriage too. i was just checking my mails in the office when i saw someone sharing her testimony on how priest okpobo temple help her out with her marital problems so i contacted the email of priest okpobo i told him my problem and i was told to be calm that i have come to the right place that i should fill some information concerning my self i did after 30 minus he called me again congratulating me that my problems will be solve within 5days. he told me what went wrong with my husband and how it happen.that they will restored my marriage but i will make a free donation to their Priest home anything my heart told me. to my greatest surprise my husband came to my office begging me on his knees that i should find a place in my heart to forgive him i quickly ask him up that i have forgiven him.friends your case is not too hard why don’t you give priest okpobo a try they work surprises because i know they will also bring back your husband. contact him via priestokpobomagictemple131@gmail.com

  • Selina Jackson

    Hi everyone, I do hope my post gets read and hopefully helps somebody along the line.i will never forget the help priest okpobo temple render to me in my marital life. i have been married for 4 years now and my husband and i love each other very dearly . after 3 years of our marriage my husband suddenly change he was having an affair with a lady outside,i notice it then i was praying for divine intervention the thing became more serious i told my pastor about it we prayed but nothing happen. my husband just came home one day he pick up his things and left me and the kids to his mistress outside at this time i was confuse not knowing what to do again because i have lost my husband and my marriage too. i was just checking my mails in the office when i saw someone sharing her testimony on how priest okpobo temple help her out with her marital problems so i contacted the email of priest okpobo i told him my problem and i was told to be calm that i have come to the right place that i should fill some information concerning my self i did after 30 minus he called me again congratulating me that my problems will be solve within 5days. he told me what went wrong with my husband and how it happen.that they will restored my marriage but i will make a free donation to their Priest home anything my heart told me. to my greatest surprise my husband came to my office begging me on his knees that i should find a place in my heart to forgive him i quickly ask him up that i have forgiven him.friends your case is not too hard why don’t you give priest okpobo a try they work surprises because i know they will also bring back your husband. contact him via priestokpobomagictemple131@gmail.com

  • Selina Jackson

    Hi everyone, I do hope my post gets read and hopefully helps somebody along the line.i will never forget the help priest okpobo temple render to me in my marital life. i have been married for 4 years now and my husband and i love each other very dearly . after 3 years of our marriage my husband suddenly change he was having an affair with a lady outside,i notice it then i was praying for divine intervention the thing became more serious i told my pastor about it we prayed but nothing happen. my husband just came home one day he pick up his things and left me and the kids to his mistress outside at this time i was confuse not knowing what to do again because i have lost my husband and my marriage too. i was just checking my mails in the office when i saw someone sharing her testimony on how priest okpobo temple help her out with her marital problems so i contacted the email of priest okpobo i told him my problem and i was told to be calm that i have come to the right place that i should fill some information concerning my self i did after 30 minus he called me again congratulating me that my problems will be solve within 5days. he told me what went wrong with my husband and how it happen.that they will restored my marriage but i will make a free donation to their Priest home anything my heart told me. to my greatest surprise my husband came to my office begging me on his knees that i should find a place in my heart to forgive him i quickly ask him up that i have forgiven him.friends your case is not too hard why don’t you give priest okpobo a try they work surprises because i know they will also bring back your husband. contact him via priestokpobomagictemple131@gmail.com

  • Tom McDevitt

    Check their Wiki page and past fines etc. from the govt., I don’t know how these thieves are in business. They’re doing nothing but preying on poor people of all colors, and some of the rates border on Illegal IMHO

  • Tom McDevitt

    Check their Wiki page and past fines etc. from the govt., I don’t know how these thieves are in business. They’re doing nothing but preying on poor people of all colors, and some of the rates border on Illegal IMHO

  • Tom McDevitt

    Check their Wiki page and past fines etc. from the govt., I don’t know how these thieves are in business. They’re doing nothing but preying on poor people of all colors, and some of the rates border on Illegal IMHO

  • Kevin

    what a joke. a lot of credit card companies out there trying to rip you off because of your bad credit history. If you can’t get a credit card because of your past credit , and wants to rebuild your credit, I suggest you get an secured credit card. I did it myself !

    • Robert Anderson

      I just read your comment. I have already received my Premier credit card. Although I’ve only got a $35.00 processing fee invested, can I just cancel the whole damn thing. Thanks Kevin

    • Allison

      wanted to get a secured credit card but don’t qualify for one. who did you go through?

  • Kevin

    what a joke. a lot of credit card companies out there trying to rip you off because of your bad credit history. If you can’t get a credit card because of your past credit , and wants to rebuild your credit, I suggest you get an secured credit card. I did it myself !

  • Kevin

    what a joke. a lot of credit card companies out there trying to rip you off because of your bad credit history. If you can’t get a credit card because of your past credit , and wants to rebuild your credit, I suggest you get an secured credit card. I did it myself !

    • Robert Anderson

      I just read your comment. I have already received my Premier credit card. Although I’ve only got a $35.00 processing fee invested, can I just cancel the whole damn thing. Thanks Kevin

    • Allison

      wanted to get a secured credit card but don’t qualify for one. who did you go through?

  • Kevin

    First of all, A $300 credit line will not help you rebuild your credit, secondly with all charges that you have to pays it’s not worth it to get this damn credit card. I rebuild my credit with Opensky secured credit card for $500 with a low annual fee. within less than a year my credit score from 610 raised to 694. now I got offered a credit card from my credit union bank with the credit line of $3000.

    • Bozo.

      That’s funny. My credit score just went up 50 points in the last 90 days..
      Looks like my 300 credit is working…..
      Now I will pick up a Secured card from B of A. And use that a pay for about 6 months and then check again..

    • Robert Anderson

      Now ya tell me!

    • Klm.cpa

      I am a mortgage broker, and I can tell you that the card DOES indeed work very well at bringing up your credit score. Yes, the fees are outrageous, but its a small price to pay for my clients who are needing to bring their credit score up in a short amount of time to buy a house. We were able to bring one client’s score up by almost 70 points in 3 months with this card alone which qualified them for their home loan. The trick is to not max it out. Make 2-3 small purchases a month, no more than $100, and pay your balance down to $25 each month. Never pay it off in full, this will defeat the purpose, as they will not report to the credit bureau as often as needed. Unlike secured credit cards that take up to 3 months to report to the credit bureau,such as Capital One (which is still a good choice also), First Premier reports every month.

  • Kevin

    First of all, A $300 credit line will not help you rebuild your credit, secondly with all charges that you have to pays it’s not worth it to get this damn credit card. I rebuild my credit with Opensky secured credit card for $500 with a low annual fee. within less than a year my credit score from 610 raised to 694. now I got offered a credit card from my credit union bank with the credit line of $3000.

  • Kevin

    First of all, A $300 credit line will not help you rebuild your credit, secondly with all charges that you have to pays it’s not worth it to get this damn credit card. I rebuild my credit with Opensky secured credit card for $500 with a low annual fee. within less than a year my credit score from 610 raised to 694. now I got offered a credit card from my credit union bank with the credit line of $3000.

    • Bozo.

      That’s funny. My credit score just went up 50 points in the last 90 days..
      Looks like my 300 credit is working…..
      Now I will pick up a Secured card from B of A. And use that a pay for about 6 months and then check again..

    • Robert Anderson

      Now ya tell me!

    • Klm.cpa

      I am a mortgage broker, and I can tell you that the card DOES indeed work very well at bringing up your credit score. Yes, the fees are outrageous, but its a small price to pay for my clients who are needing to bring their credit score up in a short amount of time to buy a house. We were able to bring one client’s score up by almost 70 points in 3 months with this card alone which qualified them for their home loan. The trick is to not max it out. Make 2-3 small purchases a month, no more than $100, and pay your balance down to $25 each month. Never pay it off in full, this will defeat the purpose, as they will not report to the credit bureau as often as needed. Unlike secured credit cards that take up to 3 months to report to the credit bureau,such as Capital One (which is still a good choice also), First Premier reports every month.

      • Jay

        I agree, if used wisely… it isn’t a headache. Yes, charges are crazy, But that is the price you pay to fix what you broke previously and bring your credit back up. I don’t use online, I simply pay by automated (Free) and I pay half of ONLY spending half the credit in two months. Example, credit limit is $300.00 I spend $150.00 and make apayment of $75.00 & another $75.00 the following month. Then I do that again. It bumped my score 25pts. The first month doing this.

  • http://www.griffhall.fgxpress.com griffin Hall

    a major reason, keeping your credit above 700 is like caring for a baby !! treat it like it a part of you !
    #yourcreditscore

  • http://www.griffhall.fgxpress.com griffin Hall

    a major reason, keeping your credit above 700 is like caring for a baby !! treat it like it a part of you !
    #yourcreditscore

  • http://www.griffhall.fgxpress.com griffin Hall

    a major reason, keeping your credit above 700 is like caring for a baby !! treat it like it a part of you !
    #yourcreditscore

  • boricua

    Any good option for Puerto Rico residents

  • boricua

    Any good option for Puerto Rico residents

  • boricua

    Any good option for Puerto Rico residents

  • warpheads

    The above story is 100% correct and describes my experience with them exactly. This is the worse CC Card on the market today. They have NO customer service, you are dealing with the attitude of a collection company that deals with what is called ‘hard-core collections’ only. They hold your payments for up to 20 days to make more money via interest income before they release your payments to you for credit. You have to call and fight with them if you make an EFT payment DO NOT MAKE EFT PAYMENTS TO THIS COMPANY!!! YOU WON’T HAVE ACCESS TO YOUR FUNDS FOR 20 DAYS!!! MAKE AN AUTOMATED PAYMENT OVER THE PHONE FOR FREE PAYMENTS. IF YOU TALK TO SOMEONE THEY CHARGE YOU!! That’s the most important thing to do to save some money and headache in dealing with these Shy-larks.
    Do yourself a favor and DON’T use this card and if you do cancel the card as soon as possible BUT remember this: Once you tell them you want to cancel you will NOT have access to any funds still on your card. Good luck to you!

    • Robert Anderson

      Thanks for the warning. I probably should not use my new Premier card at all. But do I still have to pay the anitieation fee?

      • msimmonsva22

        Yes. I do not use those cards anymore. Just the 6 per month fee

    • Yuli

      Haha,. Salina Jackson is the name that madea (Tyler Perry) used in the 3rd madea movie! They made her dress up and go into the bank to do a wire transfer and that is the name she/he used! Hilarious whatta faker!

  • warpheads

    The above story is 100% correct and describes my experience with them exactly. This is the worse CC Card on the market today. They have NO customer service, you are dealing with the attitude of a collection company that deals with what is called ‘hard-core collections’ only. They hold your payments for up to 20 days to make more money via interest income before they release your payments to you for credit. You have to call and fight with them if you make an EFT payment DO NOT MAKE EFT PAYMENTS TO THIS COMPANY!!! YOU WON’T HAVE ACCESS TO YOUR FUNDS FOR 20 DAYS!!! MAKE AN AUTOMATED PAYMENT OVER THE PHONE FOR FREE PAYMENTS. IF YOU TALK TO SOMEONE THEY CHARGE YOU!! That’s the most important thing to do to save some money and headache in dealing with these Shy-larks.
    Do yourself a favor and DON’T use this card and if you do cancel the card as soon as possible BUT remember this: Once you tell them you want to cancel you will NOT have access to any funds still on your card. Good luck to you!

  • warpheads

    The above story is 100% correct and describes my experience with them exactly. This is the worse CC Card on the market today. They have NO customer service, you are dealing with the attitude of a collection company that deals with what is called ‘hard-core collections’ only. They hold your payments for up to 20 days to make more money via interest income before they release your payments to you for credit. You have to call and fight with them if you make an EFT payment DO NOT MAKE EFT PAYMENTS TO THIS COMPANY!!! YOU WON’T HAVE ACCESS TO YOUR FUNDS FOR 20 DAYS!!! MAKE AN AUTOMATED PAYMENT OVER THE PHONE FOR FREE PAYMENTS. IF YOU TALK TO SOMEONE THEY CHARGE YOU!! That’s the most important thing to do to save some money and headache in dealing with these Shy-larks.
    Do yourself a favor and DON’T use this card and if you do cancel the card as soon as possible BUT remember this: Once you tell them you want to cancel you will NOT have access to any funds still on your card. Good luck to you!

    • Robert Anderson

      Thanks for the warning. I probably should not use my new Premier card at all. But do I still have to pay the anitieation fee?

      • msimmonsva22

        Yes. I do not use those cards anymore. Just the 6 per month fee

    • Yuli

      Haha,. Salina Jackson is the name that madea (Tyler Perry) used in the 3rd madea movie! They made her dress up and go into the bank to do a wire transfer and that is the name she/he used! Hilarious whatta faker!

  • JStryker

    I have the First Premier Mastercard.

    Due to child support arrears and “an issue” with past taxes for California 10 years ago – my credit was in the toilet at 400’s. I had severe tax liens from CA and DCSS (child support). I picked up a First Premier – yes – willfully paying the extortion fees. I also picked up a secured Orchard Bank which in turn was picked up by another bank (HSBC) which in turn was picked up by Capital One.

    I also had a Capital One secured card.

    Thats a total of 1 HI-Risk card (Premier) and (2) Secured Cards (Both are Capital One). All charge enormous rates – but thats the price you pay. Dance with the bull (accrue debt/taxes) and you get the horn (bad credit)

    Exactly 2.5 years later – the tax liens are ALL STILL THERE. However my credit is now 648.

    Just yesterday I received a “pre-approved offer” for a Chase Freedom reward bearing card. I said – Why Not?? – Im going to shoot the dice – see what comes up. ALL 7’s.

    I got the card – its on its way.

    Thats one bull that I took by the horns – its laying at my feet. Now … if only a mushroom cloud would appear over the Dept of Child Support services…..

    • Lenny Arce

      Hey my name is lenny and I also have a lien due to child support but I have a high score of 714.. I have never had any credit but my credit report says I have a credit card which I never applied for. I cannot get approved for a credit card for some reason. What should I do to get started with building my credit.? Do you think I should apply for the first premier master card.?

      • Barack “King Putt” Obola

        Well – you need to figure out where that credit card is at – who has it, etc…. is there a balance? Is someone paying the bill or are you getting screwed for it? Fix that first. Call the creditor and kill that card since its probably fraud.

        Secondly – you have 714? Well hells bells you are almost where you want to be.

        Update to my post 5 months ago – I now have the following:

        Southwest Airlines (Chase bank) Visa
        Chase Freedom
        Chase Sapphire Preferred in the mail – approved last week.

        Credit is now 660 and climbing.

        You are on the right track – but with no “good credit history” of having a credit card and paying on time – you will need to get a secured card. Try Wells Fargo or just do this Premier card with the $300. limit.

        Word of warning – if you are 30 seconds late to pay the bill – they will BLOW YOUR PHONE out of your pocket. The nature of the beast. They assume most of their clients are shady people with bad credit so they jump early to try to collect.

        Go for it and get that Child Support arrears payed off.

        • Jaystar

          Lol I’m laughing on the outside but scared as hell on the inside…. LMFAO blow the phone out your pocket.. 😁

      • Barack “King Putt” Obola

        On another note – Im not sure what state you are in – but you may want to get a card with rewards – and live off of it – to the limits of your paycheck.

        I was constantly being pillaged in the middle of the night by DCSS (Dept of Child Support) levying my account to attempt to recover balances randomly what seemed twice a year. They will succeed and it will occur at the time you are 500 miles from home and at the gas pump with a stupid look on your face as to why your card is declined.

        What I did to combat their FRAUDULENT STEALING of my paycheck even though I was 100% ontime for 3 years paying off the arrearage debt –

        I have autodeposit of my paycheck.

        I have alerts with Chase bank to SMS msg me when the deposits go thru. (Usually at 2:00am)

        I then wake up right after the deposit and transfer 99% of the balance into my Chase Visa – since this is money in a Chase Bank moving to a Chase card – its instantaneous. Remember to leave 20 bucks or so to cover account fees or whatever you have going on.

        Live off of your Credit Card – That way if the DCSS thieves are out one night pillaging and raping your bank account – they will only get a measly 20 bucks. They cannot go into your Credit Cards and take that – YET.

        • Lenny Arce

          Well thanks a lot I really appreciate the update on information.. well since we last talked I have looked in to the credit card issue and found out that it was closed out with no outstanding payments or anything so I guess that’s a good thing.. my girlfriend just added me as a authorized user on her Capital One platinum credit card witch has a $3’000 limite.. she said it would help but I dont want it to get worse or have my credit affect her credit.. we still have a little bit more to pay off due to Christmas shopping which is about $1000 should I be worried..???

          I live in New York city and I have been looking for a studio or a 1 bedroom apartment, I am renting a room right now.. is there a specific way of working around that because of my bad credit or am I pretty much out of luck..???

        • Lenny Arce

          Well thanks a lot I really appreciate the update on information.. well since we last talked I have looked in to the credit card issue and found out that it was closed out with no outstanding payments or anything so I guess that’s a good thing.. my girlfriend just added me as a authorized user on her Capital One platinum credit card witch has a $3’000 limite.. she said it would help but I dont want it to get worse or have my credit affect her credit.. we still have a little bit more to pay off due to Christmas shopping which is about $1000 should I be worried..???

          I live in New York city and I have been looking for a studio or a 1 bedroom apartment, I am renting a room right now.. is there a specific way of working around that because of my bad credit or am I pretty much out of luck..???

      • Rhandi Nelson

        No! Credit One will help build your credit, they start you off slow and work your way up

  • MERIKA

    I have the First Premier Mastercard.

    Due to child support arrears and “an issue” with past taxes for California 10 years ago – my credit was in the toilet at 400’s. I had severe tax liens from CA and DCSS (child support). I picked up a First Premier – yes – willfully paying the extortion fees. I also picked up a secured Orchard Bank which in turn was picked up by another bank (HSBC) which in turn was picked up by Capital One.

    I also had a Capital One secured card.

    Thats a total of 1 HI-Risk card (Premier) and (2) Secured Cards (Both are Capital One). All charge enormous rates – but thats the price you pay. Dance with the bull (accrue debt/taxes) and you get the horn (bad credit)

    Exactly 2.5 years later – the tax liens are ALL STILL THERE. However my credit is now 648.

    Just yesterday I received a “pre-approved offer” for a Chase Freedom reward bearing card. I said – Why Not?? – Im going to shoot the dice – see what comes up. ALL 7’s.

    I got the card – its on its way.

    Thats one bull that I took by the horns – its laying at my feet. Now … if only a mushroom cloud would appear over the Dept of Child Support services…..

  • Barack “King Putt” Obola

    I have the First Premier Mastercard.

    Due to child support arrears and “an issue” with past taxes for California 10 years ago – my credit was in the toilet at 400’s. I had severe tax liens from CA and DCSS (child support). I picked up a First Premier – yes – willfully paying the extortion fees. I also picked up a secured Orchard Bank which in turn was picked up by another bank (HSBC) which in turn was picked up by Capital One.

    I also had a Capital One secured card.

    Thats a total of 1 HI-Risk card (Premier) and (2) Secured Cards (Both are Capital One). All charge enormous rates – but thats the price you pay. Dance with the bull (accrue debt/taxes) and you get the horn (bad credit)

    Exactly 2.5 years later – the tax liens are ALL STILL THERE. However my credit is now 648.

    Just yesterday I received a “pre-approved offer” for a Chase Freedom reward bearing card. I said – Why Not?? – Im going to shoot the dice – see what comes up. ALL 7’s.

    I got the card – its on its way.

    Thats one bull that I took by the horns – its laying at my feet. Now … if only a mushroom cloud would appear over the Dept of Child Support services…..

    • Lenny Arce

      Hey my name is lenny and I also have a lien due to child support but I have a high score of 714.. I have never had any credit but my credit report says I have a credit card which I never applied for. I cannot get approved for a credit card for some reason. What should I do to get started with building my credit.? Do you think I should apply for the first premier master card.?

      • Barack “King Putt” Obola

        Well – you need to figure out where that credit card is at – who has it, etc…. is there a balance? Is someone paying the bill or are you getting screwed for it? Fix that first. Call the creditor and kill that card since its probably fraud.

        Secondly – you have 714? Well hells bells you are almost where you want to be.

        Update to my post 5 months ago – I now have the following:

        Southwest Airlines (Chase bank) Visa
        Chase Freedom
        Chase Sapphire Preferred in the mail – approved last week.

        Credit is now 660 and climbing.

        You are on the right track – but with no “good credit history” of having a credit card and paying on time – you will need to get a secured card. Try Wells Fargo or just do this Premier card with the $300. limit.

        Word of warning – if you are 30 seconds late to pay the bill – they will BLOW YOUR PHONE out of your pocket. The nature of the beast. They assume most of their clients are shady people with bad credit so they jump early to try to collect.

        Go for it and get that Child Support arrears payed off.

        • Jaystar

          Lol I’m laughing on the outside but scared as hell on the inside…. LMFAO blow the phone out your pocket.. 😁

      • Barack “King Putt” Obola

        On another note – Im not sure what state you are in – but you may want to get a card with rewards – and live off of it – to the limits of your paycheck.

        I was constantly being pillaged in the middle of the night by DCSS (Dept of Child Support) levying my account to attempt to recover balances randomly what seemed twice a year. They will succeed and it will occur at the time you are 500 miles from home and at the gas pump with a stupid look on your face as to why your card is declined.

        What I did to combat their FRAUDULENT STEALING of my paycheck even though I was 100% ontime for 3 years paying off the arrearage debt –

        I have autodeposit of my paycheck.

        I have alerts with Chase bank to SMS msg me when the deposits go thru. (Usually at 2:00am)

        I then wake up right after the deposit and transfer 99% of the balance into my Chase Visa – since this is money in a Chase Bank moving to a Chase card – its instantaneous. Remember to leave 20 bucks or so to cover account fees or whatever you have going on.

        Live off of your Credit Card – That way if the DCSS thieves are out one night pillaging and raping your bank account – they will only get a measly 20 bucks. They cannot go into your Credit Cards and take that – YET.

        • Lenny Arce

          Well thanks a lot I really appreciate the update on information.. well since we last talked I have looked in to the credit card issue and found out that it was closed out with no outstanding payments or anything so I guess that’s a good thing.. my girlfriend just added me as a authorized user on her Capital One platinum credit card witch has a $3’000 limite.. she said it would help but I dont want it to get worse or have my credit affect her credit.. we still have a little bit more to pay off due to Christmas shopping which is about $1000 should I be worried..???

          I live in New York city and I have been looking for a studio or a 1 bedroom apartment, I am renting a room right now.. is there a specific way of working around that because of my bad credit or am I pretty much out of luck..???

          • Barack “King Putt” Obola

            If you said your credit is 714 – you do NOT have bad credit. LIENS can be worked around – unless you are trying to BUY something – then the creditors dont like the liens.

            I could not buy a car because I am garnished at 50%. That leaves NO room for creditors to get a court order to garnish your wages in case you default on a car loan. So PERFECT credit of 800 – 850 will not help you if your pay checks are garnished because creditors want the ability to come after you if you default. Im not sure how I qualified for the credit cards because EVERY SINGLE car loan for 10,000 was denied due to my 50% garnishment

            Rental agencies generally check for not paying on time and having been evicted from a previcous rental – all of which will be on your credit report.

            As far as your credit balance – 1000 out of 3000 is about the ceiling of usage you would want. Generall speaking the rule of thumb is 20% – but you should be good with where you are at. If you are really concerned – bring it down to about 750.

      • Rhandi Nelson

        No! Credit One will help build your credit, they start you off slow and work your way up

  • ron

    I just got shut down for making multiple payments and they said one returned so they canceled my card and charged me 30 for a return payment 75 for bull crap something and closing 75….that should be against the law

    • Nicci82

      I made a payment with checking account and they sent they said the payment was returned due to a non-transactional account. I told them bull crap and made them take that late fee off. I’ve had that checking account for like 8 years and we called the bank to see what was going on and the bank stated that they had not tried to take a payment out of my account.

      • ron

        The same thing happened with me I’ve seen this same incident happen multiple times why isn’t there a class action lawsuit yet. They call me everyday wanting me to pay I refuse to pay it. They canceled my card when I was 3 states away from home with no way too buy gas to get home. Over my dead body will I pay someone who left me in a bind after I made multiple payments and get cancelled saying one didn’t go through. I had 4k in the bank how can a $45 payment be returned

      • ron

        The same thing happened with me I’ve seen this same incident happen multiple times why isn’t there a class action lawsuit yet. They call me everyday wanting me to pay I refuse to pay it. They canceled my card when I was 3 states away from home with no way too buy gas to get home. Over my dead body will I pay someone who left me in a bind after I made multiple payments and get cancelled saying one didn’t go through. I had 4k in the bank how can a $45 payment be returned

  • ron

    I just got shut down for making multiple payments and they said one returned so they canceled my card and charged me 30 for a return payment 75 for bull crap something and closing 75….that should be against the law

  • ron

    I just got shut down for making multiple payments and they said one returned so they canceled my card and charged me 30 for a return payment 75 for bull crap something and closing 75….that should be against the law

    • Nicci82

      I made a payment with checking account and they sent they said the payment was returned due to a non-transactional account. I told them bull crap and made them take that late fee off. I’ve had that checking account for like 8 years and we called the bank to see what was going on and the bank stated that they had not tried to take a payment out of my account.

      • ron

        The same thing happened with me I’ve seen this same incident happen multiple times why isn’t there a class action lawsuit yet. They call me everyday wanting me to pay I refuse to pay it. They canceled my card when I was 3 states away from home with no way too buy gas to get home. Over my dead body will I pay someone who left me in a bind after I made multiple payments and get cancelled saying one didn’t go through. I had 4k in the bank how can a $45 payment be returned

  • BlueBest

    I just read that First Premier was suing CardHub for some ridiculous reason that makes no sense when you read the details. I really hope their business gets destroyed as a result. The internet should be a safe place for websites to link to wherever they want, without fear of being sued.

    • Vincent

      This should be Free Speech but in text form. It is not slander. A credit card company, of any sort, has a lot of gaul to try and sue anyone other than defaulted card holders. The reason is they LITERALLY get away with breaking the law. After the CARD ACT First premier showed its true colors by unethically trying to bypass the new law preventing as much vulnerability to consumers. There are more than one write up about them and they all are basically the same so I dare they try to sue everyone for calling them out for the dogs they really are. It goes like this if you don’t want bad press, don’t conduct bad business.

    • Vincent

      Just a side not too as of 1/9/15 10:00 AM I just got off the phone and cancelled my approved application. The woman representing first premier stated how they “Do things a little differently” and how “they get a lot of bad press”…but then proceeded to come up with some FAKE loan success story that the card came in handy for. Here’s a thought. If your fees are ridiculously high, and you found a loophole in the APR of the CREDIT ACT, how can a loan of any sort be deemed successful. Lol, the initial fee is 1/3 of your limit and after year one tons of sneaky charges are set to appear. One irritating me on a small level is the fee for online banking. Most companies reward for website account set ups.

  • BlueBest

    I just read that First Premier was suing CardHub for some ridiculous reason that makes no sense when you read the details. I really hope their business gets destroyed as a result. The internet should be a safe place for websites to link to wherever they want, without fear of being sued.

  • Donna Gracon

    Omg how I wish I would’ve read thid first !..I have not received my card yet..just paid the $75 fee..Like all the rest I have “no” credit but have a tax lien that was my husbands something to do with his 401 K account when his job closed down his employer LTV STEEL CO. IN OHIO ..took care of this, deducted what taxes they said had to be paid because this was considered a hardship and fell under different tax rules..IRS has accepted that..but State tax didn’t..my husband has passed away..so now moved to my credit rating…I’m indigent now and cannot pay..
    So I fell into this trap also….
    Is there a way I can cancel this card?.what happens if I just dont use it?..Can I get my $75 returned?
    Also if there’s anyone that could give me some advice regarding getting the tax lien lifted..I’d appreciate it !..Can contact me at
    ms.djgracon84@gmail.com

  • Donna Gracon

    Omg how I wish I would’ve read thid first !..I have not received my card yet..just paid the $75 fee..Like all the rest I have “no” credit but have a tax lien that was my husbands something to do with his 401 K account when his job closed down his employer LTV STEEL CO. IN OHIO ..took care of this, deducted what taxes they said had to be paid because this was considered a hardship and fell under different tax rules..IRS has accepted that..but State tax didn’t..my husband has passed away..so now moved to my credit rating…I’m indigent now and cannot pay..
    So I fell into this trap also….
    Is there a way I can cancel this card?.what happens if I just dont use it?..Can I get my $75 returned?
    Also if there’s anyone that could give me some advice regarding getting the tax lien lifted..I’d appreciate it !..Can contact me at
    ms.djgracon84@gmail.com

  • Donna Gracon

    Omg how I wish I would’ve read thid first !..I have not received my card yet..just paid the $75 fee..Like all the rest I have “no” credit but have a tax lien that was my husbands something to do with his 401 K account when his job closed down his employer LTV STEEL CO. IN OHIO ..took care of this, deducted what taxes they said had to be paid because this was considered a hardship and fell under different tax rules..IRS has accepted that..but State tax didn’t..my husband has passed away..so now moved to my credit rating…I’m indigent now and cannot pay..
    So I fell into this trap also….
    Is there a way I can cancel this card?.what happens if I just dont use it?..Can I get my $75 returned?
    Also if there’s anyone that could give me some advice regarding getting the tax lien lifted..I’d appreciate it !..Can contact me at
    ms.djgracon84@gmail.com

    • http://nerdbytez.wordpress.com/ Cupcake

      I am so sorry… sending you good vibes and some goodluck your way!

  • Carp88

    I recieved a ” Preapproved Offer for a First Premire Credit Card and made a BIG MISTAKE I didn’t READ the Interest Rate or the annunal Fee. Now I just called to make a payment and they gave me a 1,800 credit limit and I think I used it about 10 times with the amount being owed around $380 well I never look at my bills I know not smart and I usually just go to the Pay instead of listening to my Balance well my Balance was $2,200!!???? WTF AND FMF I hit the O key and coudn’t understand after the Woman explained it three times just why after making payments for 6 or 7 months and not using the card ( it was one I cut up , I cut up most and just kept Discover , Chase Barkley and Citi and of course American Express but the thing is my credit is good I didn’t need to reestablish it I might now but I had them transferr the balance to another Credit Card and Closed the Account . I had extremely Bad credit for a long time I had Student Loans which were killing me but I got an offer for a Credit Card Orchard Bank and Blaze and a Capital one and after making my payments on time never late once in 7 years I started getting preapproved for the above cards for people with bad credit there are MUCH better cards the First Premire Bank I would put them in the same catagory at a ” PayDay Loan ” place or those letters you get saying ” Your Preapproved for a Loan up to 20,000 but it has a 300 intersest now that’s a great idea!!

  • Carp88

    I recieved a ” Preapproved Offer for a First Premire Credit Card and made a BIG MISTAKE I didn’t READ the Interest Rate or the annunal Fee. Now I just called to make a payment and they gave me a 1,800 credit limit and I think I used it about 10 times with the amount being owed around $380 well I never look at my bills I know not smart and I usually just go to the Pay instead of listening to my Balance well my Balance was $2,200!!???? WTF AND FMF I hit the O key and coudn’t understand after the Woman explained it three times just why after making payments for 6 or 7 months and not using the card ( it was one I cut up , I cut up most and just kept Discover , Chase Barkley and Citi and of course American Express but the thing is my credit is good I didn’t need to reestablish it I might now but I had them transferr the balance to another Credit Card and Closed the Account . I had extremely Bad credit for a long time I had Student Loans which were killing me but I got an offer for a Credit Card Orchard Bank and Blaze and a Capital one and after making my payments on time never late once in 7 years I started getting preapproved for the above cards for people with bad credit there are MUCH better cards the First Premire Bank I would put them in the same catagory at a ” PayDay Loan ” place or those letters you get saying ” Your Preapproved for a Loan up to 20,000 but it has a 300 intersest now that’s a great idea!!

  • Carp88

    I recieved a ” Preapproved Offer for a First Premire Credit Card and made a BIG MISTAKE I didn’t READ the Interest Rate or the annunal Fee. Now I just called to make a payment and they gave me a 1,800 credit limit and I think I used it about 10 times with the amount being owed around $380 well I never look at my bills I know not smart and I usually just go to the Pay instead of listening to my Balance well my Balance was $2,200!!???? WTF AND FMF I hit the O key and coudn’t understand after the Woman explained it three times just why after making payments for 6 or 7 months and not using the card ( it was one I cut up , I cut up most and just kept Discover , Chase Barkley and Citi and of course American Express but the thing is my credit is good I didn’t need to reestablish it I might now but I had them transferr the balance to another Credit Card and Closed the Account . I had extremely Bad credit for a long time I had Student Loans which were killing me but I got an offer for a Credit Card Orchard Bank and Blaze and a Capital one and after making my payments on time never late once in 7 years I started getting preapproved for the above cards for people with bad credit there are MUCH better cards the First Premire Bank I would put them in the same catagory at a ” PayDay Loan ” place or those letters you get saying ” Your Preapproved for a Loan up to 20,000 but it has a 300 intersest now that’s a great idea!!

  • DJ

    NEVER NEVER NEVER NEVER GET ONE OF THESES CARDS. THEY WILL CHEAT YOU AT EVERY TURN. THEY STOLE 275.00 FROM ME LAST YEAR AND REFUSED TO GIVE IT BACK. I HAD TO GO TO THE PRESIDENT OF THE COMPANY. AND EVEN THEN THEY MADE ME WAIT 2 WEEKS AND IT WAS CHRISTMAS!! THEY ARE NOW DOING THE SAME THING TO MY DAUGHTER AND HERE IT IS THE HOLIDAYS

  • DJ

    NEVER NEVER NEVER NEVER GET ONE OF THESES CARDS. THEY WILL CHEAT YOU AT EVERY TURN. THEY STOLE 275.00 FROM ME LAST YEAR AND REFUSED TO GIVE IT BACK. I HAD TO GO TO THE PRESIDENT OF THE COMPANY. AND EVEN THEN THEY MADE ME WAIT 2 WEEKS AND IT WAS CHRISTMAS!! THEY ARE NOW DOING THE SAME THING TO MY DAUGHTER AND HERE IT IS THE HOLIDAYS

  • DJ

    NEVER NEVER NEVER NEVER GET ONE OF THESES CARDS. THEY WILL CHEAT YOU AT EVERY TURN. THEY STOLE 275.00 FROM ME LAST YEAR AND REFUSED TO GIVE IT BACK. I HAD TO GO TO THE PRESIDENT OF THE COMPANY. AND EVEN THEN THEY MADE ME WAIT 2 WEEKS AND IT WAS CHRISTMAS!! THEY ARE NOW DOING THE SAME THING TO MY DAUGHTER AND HERE IT IS THE HOLIDAYS

  • aphoto4you

    PEOPLE need to PAY their bills and not complain…..those of us who have American Express Know ….AMEX bill is due in 30 days …if you are not happy with 30 day credit then you need discipline how to manage your credit

    • Kenny

      ok boss

    • Susan Camp

      DO NOT get these credit card I have two fp credit cards and its been a nightmare first they charge you a annual fee im paying also 100 a year for two cards.And they charge so many fees. Fee for this fee for that it never ends.And god forbid if you miss a payment or loss your job they would make thousands off late fees.I want to close both of them but they will and have messed up my credit worst cc ever.so I have no choice in keeping the cards because its not good for your credit to close cards.they’re just taking advantage of people with bad credit.

  • aphoto4you

    PEOPLE need to PAY their bills and not complain…..those of us who have American Express Know ….AMEX bill is due in 30 days …if you are not happy with 30 day credit then you need discipline how to manage your credit

  • aphoto4you

    PEOPLE need to PAY their bills and not complain…..those of us who have American Express Know ….AMEX bill is due in 30 days …if you are not happy with 30 day credit then you need discipline how to manage your credit

    • Kenny

      ok boss

    • http://www.impulsivestudios.com/ Justin Myers

      Entitled much? Not everyone at the age of 18 knows how to manage their credit and things get out of control. I’m guessing you’re perfect and have never made a mistake though.

    • christina

      People applying for this card don’t usually have AMEX. if they did, they wouldn’t need to apply for this card, would they? Just sayin…

      • Nicci82

        Thank you! Some of the comments on here are outrageous.

    • Nicci82

      For your information…you have no idea what life changing events caused individuals credit scores to drop. Some people don’t pay their bills on time, b/c they may have lost their job, using their credit to help manage doctor bills for a very sick child, or had to go on bed rest during their 5th month of pregnancy. So, in that right people do have the right to complain. Pay your AMEX/American Express and try not to focus on those of us who complain about getting ripped off when where trying to in fact build, re-build our credit.

      • Rhandi Nelson

        You are so right!!!

    • Susan Camp

      DO NOT get these credit card I have two fp credit cards and its been a nightmare first they charge you a annual fee im paying also 100 a year for two cards.And they charge so many fees. Fee for this fee for that it never ends.And god forbid if you miss a payment or loss your job they would make thousands off late fees.I want to close both of them but they will and have messed up my credit worst cc ever.so I have no choice in keeping the cards because its not good for your credit to close cards.they’re just taking advantage of people with bad credit.

    • http://nerdbytez.wordpress.com/ Cupcake

      You mean the same way you’re complaining? Smh..

  • Jay

    I agree, if used wisely… it isn’t a headache. Yes, charges are crazy, But that is the price you pay to fix what you broke previously and bring your credit back up. I don’t use online, I simply pay by automated (Free) and I pay half of ONLY spending half the credit in two months. Example, credit limit is $300.00 I spend $150.00 and make apayment of $75.00 & another $75.00 the following month. Then I do that again. It bumped my score 25pts. The first month doing this.

  • Jay

    I agree, if used wisely… it isn’t a headache. Yes, charges are crazy, But that is the price you pay to fix what you broke previously and bring your credit back up. I don’t use online, I simply pay by automated (Free) and I pay half of ONLY spending half the credit in two months. Example, credit limit is $300.00 I spend $150.00 and make apayment of $75.00 & another $75.00 the following month. Then I do that again. It bumped my score 25pts. The first month doing this.

  • Vincent

    This should be Free Speech but in text form. It is not slander. A credit card company, of any sort, has a lot of gaul to try and sue anyone other than defaulted card holders. The reason is they LITERALLY get away with breaking the law. After the CARD ACT First premier showed its true colors by unethically trying to bypass the new law preventing as much vulnerability to consumers. There are more than one write up about them and they all are basically the same so I dare they try to sue everyone for calling them out for the dogs they really are. It goes like this if you don’t want bad press, don’t conduct bad business.

  • Vincent

    Just a side not too as of 1/9/15 10:00 AM I just got off the phone and cancelled my approved application. The woman representing first premier stated how they “Do things a little differently” and how “they get a lot of bad press”…but then proceeded to come up with some FAKE loan success story that the card came in handy for. Here’s a thought. If your fees are ridiculously high, and you found a loophole in the APR of the CREDIT ACT, how can a loan of any sort be deemed successful. Lol, the initial fee is 1/3 of your limit and after year one tons of sneaky charges are set to appear. One irritating me on a small level is the fee for online banking. Most companies reward for website account set ups.

  • Paulette Cogshell

    Hello everyone, Yesterday, since I didn’t use my First Premier Mastercard credit card for a purchase and $0 balance. Yesterday, I did contact First Premier Bank CSR told her I would like to close my account and cancel my credit card, and $75.00 Processing Fee just recently withdraw from my bank debit card to be refunded back to my bank, she ask me what’s the reason, because I’ve just change my mind. She did close my account and cancel the credit card and told me it would take approximately up to 72hrs, before the processing fee be refunded back to my bank account. I have read First Premier Bank Refund Disclosure: We will refund your Processing Fee and initial fees (those fees that are billed at the time of account opening) if (1)You have not used your CARD for a Purchase or Cash Advance, and (2) You have not paid a fee after receiving a Billing Statement. We will refund Partial Payment of the ProcessingFee if you Do Not Open Your Credit Account within 85 days of approval. We will refund any Credit Limit Increase Fee charged to your account if you notify us within 30 days of the date of the Periodic Statement on which it appears that you don’t wish to have the credit limit increase. This will result in a reversal of the credit limit increase. Except as described in this paragraph, these fees are Non-refundable.

  • Paulette Cogshell

    Hello everyone, Yesterday, since I didn’t use my First Premier Mastercard credit card for a purchase and $0 balance. Yesterday, I did contact First Premier Bank CSR told her I would like to close my account and cancel my credit card, and $75.00 Processing Fee just recently withdraw from my bank debit card to be refunded back to my bank, she ask me what’s the reason, because I’ve just change my mind. She did close my account and cancel the credit card and told me it would take approximately up to 72hrs, before the processing fee be refunded back to my bank account. I have read First Premier Bank Refund Disclosure: We will refund your Processing Fee and initial fees (those fees that are billed at the time of account opening) if (1)You have not used your CARD for a Purchase or Cash Advance, and (2) You have not paid a fee after receiving a Billing Statement. We will refund Partial Payment of the ProcessingFee if you Do Not Open Your Credit Account within 85 days of approval. We will refund any Credit Limit Increase Fee charged to your account if you notify us within 30 days of the date of the Periodic Statement on which it appears that you don’t wish to have the credit limit increase. This will result in a reversal of the credit limit increase. Except as described in this paragraph, these fees are Non-refundable.

  • William Sze

    I was looking for a new, but when I am discussing with my friend he told me don’t do from that. and he give me a name Alliance Bank Card. now I am happy with the service provider.

  • William Sze

    I was looking for a new, but when I am discussing with my friend he told me don’t do from that. and he give me a name Alliance Bank Card. now I am happy with the service provider.

  • William Sze

    I was looking for a new, but when I am discussing with my friend he told me don’t do from that. and he give me a name Alliance Bank Card. now I am happy with the service provider.

  • Fernando J. Serrano Hernández

    Wow! I’m glad I read this before sending my application!
    I’m pretty recent to the U.S. and I already have a BofA Credit Card (very low credit 1,500) nevertheless, I won’t get a new one, instead I’m gonna try to increase my current credit line.

  • Fernando J. Serrano Hernández

    Wow! I’m glad I read this before sending my application!
    I’m pretty recent to the U.S. and I already have a BofA Credit Card (very low credit 1,500) nevertheless, I won’t get a new one, instead I’m gonna try to increase my current credit line.

  • Fernando J. Serrano Hernández

    Wow! I’m glad I read this before sending my application!
    I’m pretty recent to the U.S. and I already have a BofA Credit Card (very low credit 1,500) nevertheless, I won’t get a new one, instead I’m gonna try to increase my current credit line.

  • Lode Loyens

    This company doesn’t just charge high fees they are total crooks. Thieves who found a loophole in the system that allows them to legally steal money from good people trying to lives back on track.

    Case in point:
    Lost my business which resulted in my credit being tarnished beyond bad. Trying to rebuild my credit I applied for and got a FP credit card. I always paid my outstanding balance in full and ahead of time. Without warning FP blocked my account and disallowed me from using it even though I had no outstanding balances or late fees. When I contacted them, a rep said they blocked my account because I made ‘excessive payments’ and until I proved to them in writing I actually made these payments my account remained blocked.

    I refused to do that because I couldn’t believe what I was hearing: being blocked for making numerous payments early? I had to be dreaming. I wasn’t, in fact my nightmare with First Progress was just beginning.

    2 months after this fiasco I get a letter from FP saying I owe them a $39 annual fee. A month later I get yet another letter from them saying I now owe them $39 fee plus $37 late fee.

    Not wanting to mess up my credit even further I paid FP the money they stole from me and told them to close my account permanently.

    I know when your credit is just awful and you have to depend on sharks to get you back on track it can be a bit scary. I suggest you open a secured credit card instead. But if you can’t, whatever you do, DO NOT get a credit card with First Premier. They are thieves. This is an unethical company. YOU HAVE BEEN WARNED!!!!

  • Lode Loyens

    This company doesn’t just charge high fees they are total crooks. Thieves who found a loophole in the system that allows them to legally steal money from good people trying to lives back on track.

    Case in point:
    Lost my business which resulted in my credit being tarnished beyond bad. Trying to rebuild my credit I applied for and got a FP credit card. I always paid my outstanding balance in full and ahead of time. Without warning FP blocked my account and disallowed me from using it even though I had no outstanding balances or late fees. When I contacted them, a rep said they blocked my account because I made ‘excessive payments’ and until I proved to them in writing I actually made these payments my account remained blocked.

    I refused to do that because I couldn’t believe what I was hearing: being blocked for making numerous payments early? I had to be dreaming. I wasn’t, in fact my nightmare with First Progress was just beginning.

    2 months after this fiasco I get a letter from FP saying I owe them a $39 annual fee. A month later I get yet another letter from them saying I now owe them $39 fee plus $37 late fee.

    Not wanting to mess up my credit even further I paid FP the money they stole from me and told them to close my account permanently.

    I know when your credit is just awful and you have to depend on sharks to get you back on track it can be a bit scary. I suggest you open a secured credit card instead. But if you can’t, whatever you do, DO NOT get a credit card with First Premier. They are thieves. This is an unethical company. YOU HAVE BEEN WARNED!!!!

  • Lode Loyens

    This company doesn’t just charge high fees they are total crooks. Thieves who found a loophole in the system that allows them to legally steal money from good people trying to lives back on track.

    Case in point:
    Lost my business which resulted in my credit being tarnished beyond bad. Trying to rebuild my credit I applied for and got a FP credit card. I always paid my outstanding balance in full and ahead of time. Without warning FP blocked my account and disallowed me from using it even though I had no outstanding balances or late fees. When I contacted them, a rep said they blocked my account because I made ‘excessive payments’ and until I proved to them in writing I actually made these payments my account remained blocked.

    I refused to do that because I couldn’t believe what I was hearing: being blocked for making numerous payments early? I had to be dreaming. I wasn’t, in fact my nightmare with First Progress was just beginning.

    2 months after this fiasco I get a letter from FP saying I owe them a $39 annual fee. A month later I get yet another letter from them saying I now owe them $39 fee plus $37 late fee.

    Not wanting to mess up my credit even further I paid FP the money they stole from me and told them to close my account permanently.

    I know when your credit is just awful and you have to depend on sharks to get you back on track it can be a bit scary. I suggest you open a secured credit card instead. But if you can’t, whatever you do, DO NOT get a credit card with First Premier. They are thieves. This is an unethical company. YOU HAVE BEEN WARNED!!!!

    • Paul Grace

      Total rape, my daughter saw your review after receiving an offer and decided against it and sent this to me, thanks man! I try to point her in the right direction but it helps when it’s not dad telling her.

      • Lode Loyens

        Hey Paul;

        Understand! Here’s what I did after my FP nightmare: I opened a secured credit card with US bank for $1,500 (you can choose the amount of credit you wish to have).

        The bank charges a $35 annual fee but waves all checking and savings monthly processing fees if you open those with them at the same time you apply for a secured credit card (minimum starting balances is $25 per account).

        Additionally, their secured credit card carries a ‘reasonable’ APR of 14.3 percent and if you keep the card in good standing for one year (don’t go over your limit and don’t make late payments), the secured card converts to an unsecured credit card.

        Getting a secured credit card with a reputable company was certainly the smarter move for me after my FP fiasco. What’s more, my wife also applied for a secured credit card at the same bank. And although her credit isn’t good (it’s not as bad as mine however), she was approved for an unsecured credit card with a $5,000 limit… much to her joyous surprise.

        A secured credit card is money out of pocket, I know but it certainly beats being taken to the cleaners by thieves who prowl on individuals who are facing financial setbacks.

        Best of luck to you and your daughter.

    • Lucky?

      I truly, truly, truly appreciate your warning. I applied for them and was “approved” but was waiting until my next payday to give them the $95 when it occurred to me to google them first because $95 is a LOT of money for me. Actually, I was going to not pay my cell phone bill just to pay first premier and then use the card to pay the cell phone. You know…robbing peter to pay Paul. Thank God I found this website. I’m paying Sprint and saving up the money to go elsewhere.

    • Nicci82

      They are total crooks and my experience with them for the first month I had my credit card with them was not a great one.

    • carey

      Thank You,I received a card in the mail,tore it up,it sounds like those rip-off online payday loans,I believe every word you are saying.

  • Barack “King Putt” Obola

    If you said your credit is 714 – you do NOT have bad credit. LIENS can be worked around – unless you are trying to BUY something – then the creditors dont like the liens.

    I could not buy a car because I am garnished at 50%. That leaves NO room for creditors to get a court order to garnish your wages in case you default on a car loan. So PERFECT credit of 800 – 850 will not help you if your pay checks are garnished because creditors want the ability to come after you if you default. Im not sure how I qualified for the credit cards because EVERY SINGLE car loan for 10,000 was denied due to my 50% garnishment

    Rental agencies generally check for not paying on time and having been evicted from a previcous rental – all of which will be on your credit report.

    As far as your credit balance – 1000 out of 3000 is about the ceiling of usage you would want. Generall speaking the rule of thumb is 20% – but you should be good with where you are at. If you are really concerned – bring it down to about 750.

  • Barack “King Putt” Obola

    If you said your credit is 714 – you do NOT have bad credit. LIENS can be worked around – unless you are trying to BUY something – then the creditors dont like the liens.

    I could not buy a car because I am garnished at 50%. That leaves NO room for creditors to get a court order to garnish your wages in case you default on a car loan. So PERFECT credit of 800 – 850 will not help you if your pay checks are garnished because creditors want the ability to come after you if you default. Im not sure how I qualified for the credit cards because EVERY SINGLE car loan for 10,000 was denied due to my 50% garnishment

    Rental agencies generally check for not paying on time and having been evicted from a previcous rental – all of which will be on your credit report.

    As far as your credit balance – 1000 out of 3000 is about the ceiling of usage you would want. Generall speaking the rule of thumb is 20% – but you should be good with where you are at. If you are really concerned – bring it down to about 750.

  • Michael Holm

    I had First Premier before had nothing but good things too say about them you idiot’s got too realize for people like use has bad credit scores this is the only option we have not even those crooks capital one can’t approve people with bad credit not even Visa or Master Card or even American Express high interests rights and high cost of a fee too start using your card is worth it too put your credit back on track people like this man Lode or any other are paid by other credit companies too lie and say these credit card companies for use who have bad credit are doing use wrong and they certainly are not. People like Lode is preventing people like us too re fix our credit this man is obviously lying like I said I had a card like this before still using it they helped me when no one eal’s could

    • Lode Loyens

      Hey Michael;
      Just to set the record straight: I am NOT, I repeat NOT paid by anyone to write the comment I wrote below. What I wrote was indeed my personal experience with FP. It seems to me however, you are quick to judge people whom you know from Adam or Eve and as such I forgive you for your insulting remark.

      I am happy for you that you have had such supper success with FP. I certainly didn’t, as ‘judging’ by the many negative comments listed here, so did a lot of other folks, unless of course …. all of those folks are being paid off by companies to write these remarks ….

      Wish you nothing but the best.

      • Rhandi Nelson

        Thanks!

      • Rhandi Nelson

        Thanks!

  • Michael Holm

    I had First Premier before had nothing but good things too say about them you idiot’s got too realize for people like use has bad credit scores this is the only option we have not even those crooks capital one can’t approve people with bad credit not even Visa or Master Card or even American Express high interests rights and high cost of a fee too start using your card is worth it too put your credit back on track people like this man Lode or any other are paid by other credit companies too lie and say these credit card companies for use who have bad credit are doing use wrong and they certainly are not. People like Lode is preventing people like us too re fix our credit this man is obviously lying like I said I had a card like this before still using it they helped me when no one eal’s could

  • Michael Holm

    I had First Premier before had nothing but good things too say about them you idiot’s got too realize for people like use has bad credit scores this is the only option we have not even those crooks capital one can’t approve people with bad credit not even Visa or Master Card or even American Express high interests rights and high cost of a fee too start using your card is worth it too put your credit back on track people like this man Lode or any other are paid by other credit companies too lie and say these credit card companies for use who have bad credit are doing use wrong and they certainly are not. People like Lode is preventing people like us too re fix our credit this man is obviously lying like I said I had a card like this before still using it they helped me when no one eal’s could

    • Lode Loyens

      Hey Michael;
      Just to set the record straight: I am NOT, I repeat NOT paid by anyone to write the comment I wrote below. What I wrote was indeed my personal experience with FP. It seems to me however, you are quick to judge people whom you know from Adam or Eve and as such I forgive you for your insulting remark.

      I am happy for you that you have had such supper success with FP. I certainly didn’t, as ‘judging’ by the many negative comments listed here, so did a lot of other folks, unless of course …. all of those folks are being paid off by companies to write these remarks ….

      Wish you nothing but the best.

      • Rhandi Nelson

        Thanks!

  • Kalani

    STFU mccourt! I told you already!!

  • Deezy

    lol Well I’ve had my first premier card for 10 months, it’ll be a full year in April.
    I did not realize my APR is .36 and they’d charge monthly after the first year.
    I always pay in full before my cycle ends, so I guess it’s cool. As far as the monthly fees, after the first year.. well it’s cool too, at least they’ll be making money from me, when I’m not using the card, besides when I increase my credit limit and it’ll stay active. $30 reduced annual fee is okay too. Almost every credit card can be bad for you but how you use it and pay for it is a different story. Eventually, I’ll get to the point, when they’re no longer needed and their services will have served it’s purpose lol It takes money, to make money, right?!! I have 4 credit cards after discharging from a chapter 7#1 of them are unsecured#CREDIT#Charge it to the game

  • Deezy

    lol Well I’ve had my first premier card for 10 months, it’ll be a full year in April.
    I did not realize my APR is .36 and they’d charge monthly after the first year.
    I always pay in full before my cycle ends, so I guess it’s cool. As far as the monthly fees, after the first year.. well it’s cool too, at least they’ll be making money from me, when I’m not using the card, besides when I increase my credit limit and it’ll stay active. $30 reduced annual fee is okay too. Almost every credit card can be bad for you but how you use it and pay for it is a different story. Eventually, I’ll get to the point, when they’re no longer needed and their services will have served it’s purpose lol It takes money, to make money, right?!! I have 4 credit cards after discharging from a chapter 7#1 of them are unsecured#CREDIT#Charge it to the game

  • Deezy

    lol Well I’ve had my first premier card for 10 months, it’ll be a full year in April.
    I did not realize my APR is .36 and they’d charge monthly after the first year.
    I always pay in full before my cycle ends, so I guess it’s cool. As far as the monthly fees, after the first year.. well it’s cool too, at least they’ll be making money from me, when I’m not using the card, besides when I increase my credit limit and it’ll stay active. $30 reduced annual fee is okay too. Almost every credit card can be bad for you but how you use it and pay for it is a different story. Eventually, I’ll get to the point, when they’re no longer needed and their services will have served it’s purpose lol It takes money, to make money, right?!! I have 4 credit cards after discharging from a chapter 7#1 of them are unsecured#CREDIT#Charge it to the game

  • kristal

    I got a card in the mail will it be active if i dont pay the $95 processing fee or can i throw it away

  • kristal

    I got a card in the mail will it be active if i dont pay the $95 processing fee or can i throw it away

  • kristal

    I got a card in the mail will it be active if i dont pay the $95 processing fee or can i throw it away

  • http://www.impulsivestudios.com/ Justin Myers

    Entitled much? Not everyone at the age of 18 knows how to manage their credit and things get out of control. I’m guessing you’re perfect and have never made a mistake though.

  • http://www.impulsivestudios.com/ Justin Myers

    Entitled much? Not everyone at the age of 18 knows how to manage their credit and things get out of control. I’m guessing you’re perfect and have never made a mistake though.

  • Lisa Jenkins

    I got my FP card when my credit score was a 508 and no one else wanted to deal with me. FP despite their high fees was an excellent tool to rebuild my credit. Fast forward 4 years my credit had seen a 214pt jump all because of FP, and the 7 year fall off rule. After maintaining a good track record with them for the first year, i started to qualify for much better cards. Now that my credit has improved so much i will be closing FP because the fees do suck when you dont even use the card.

  • Lisa Jenkins

    I got my FP card when my credit score was a 508 and no one else wanted to deal with me. FP despite their high fees was an excellent tool to rebuild my credit. Fast forward 4 years my credit had seen a 214pt jump all because of FP, and the 7 year fall off rule. After maintaining a good track record with them for the first year, i started to qualify for much better cards. Now that my credit has improved so much i will be closing FP because the fees do suck when you dont even use the card.

  • Lisa Jenkins

    I got my FP card when my credit score was a 508 and no one else wanted to deal with me. FP despite their high fees was an excellent tool to rebuild my credit. Fast forward 4 years my credit had seen a 214pt jump all because of FP, and the 7 year fall off rule. After maintaining a good track record with them for the first year, i started to qualify for much better cards. Now that my credit has improved so much i will be closing FP because the fees do suck when you dont even use the card.

  • christina

    Wow. I’m pretty terrified after what I read about this card. I had to pay $95 to get it first off. Annual fee and additional fees are insane. I should have been more prudent. I don’t even have bad credit, just excessive inquiries and low income. This card is reward I get for never being late on a payment for years? I know, I shouldn’t have accepted it. Live and learn. At least I have a year before they start charging me every month for the honor of having their wonderful card, and I hope to close it before then. Of course I’m sure there is a closing account fee, over credit line so you get an overlimit fee and interest rate jumps to 69% rather than 39%. Just a guess, I don’t know this for sure. I say run far away from this card and don’t look back.

  • christina

    Wow. I’m pretty terrified after what I read about this card. I had to pay $95 to get it first off. Annual fee and additional fees are insane. I should have been more prudent. I don’t even have bad credit, just excessive inquiries and low income. This card is reward I get for never being late on a payment for years? I know, I shouldn’t have accepted it. Live and learn. At least I have a year before they start charging me every month for the honor of having their wonderful card, and I hope to close it before then. Of course I’m sure there is a closing account fee, over credit line so you get an overlimit fee and interest rate jumps to 69% rather than 39%. Just a guess, I don’t know this for sure. I say run far away from this card and don’t look back.

  • christina

    Wow. I’m pretty terrified after what I read about this card. I had to pay $95 to get it first off. Annual fee and additional fees are insane. I should have been more prudent. I don’t even have bad credit, just excessive inquiries and low income. This card is reward I get for never being late on a payment for years? I know, I shouldn’t have accepted it. Live and learn. At least I have a year before they start charging me every month for the honor of having their wonderful card, and I hope to close it before then. Of course I’m sure there is a closing account fee, over credit line so you get an overlimit fee and interest rate jumps to 69% rather than 39%. Just a guess, I don’t know this for sure. I say run far away from this card and don’t look back.

  • christina

    People applying for this card don’t usually have AMEX. if they did, they wouldn’t need to apply for this card, would they? Just sayin…

    • Nicci82

      Thank you! Some of the comments on here are outrageous.

  • christina

    People applying for this card don’t usually have AMEX. if they did, they wouldn’t need to apply for this card, would they? Just sayin…

  • Dominique

    I applied for this card and I have a 524 credit score with short credit history, I didnt know if I would be approved but they wanted me to pay a $95 processing fee…. NO WAY because if I didn’t get approved I would have to wait hella long for my refund. Anyways about two weeks went by and I just recieved my card in the mail saying I was approved so I just yesterday payed my processing fee and my available credit is $300. It’s not much and the fees are pretty high but if you’re like me and don’t really have any other choices this is great to start building your credit

  • Dominique

    I applied for this card and I have a 524 credit score with short credit history, I didnt know if I would be approved but they wanted me to pay a $95 processing fee…. NO WAY because if I didn’t get approved I would have to wait hella long for my refund. Anyways about two weeks went by and I just recieved my card in the mail saying I was approved so I just yesterday payed my processing fee and my available credit is $300. It’s not much and the fees are pretty high but if you’re like me and don’t really have any other choices this is great to start building your credit

  • Dominique

    I applied for this card and I have a 524 credit score with short credit history, I didnt know if I would be approved but they wanted me to pay a $95 processing fee…. NO WAY because if I didn’t get approved I would have to wait hella long for my refund. Anyways about two weeks went by and I just recieved my card in the mail saying I was approved so I just yesterday payed my processing fee and my available credit is $300. It’s not much and the fees are pretty high but if you’re like me and don’t really have any other choices this is great to start building your credit

  • Penny

    Ok I was thrilled to get the so called $400 credit line but they did not
    tell you up front that they would be taking $99.00 of that initial
    $400.00 right off the bat for some kind of annual account fee then every
    month after that you would get charged monthly for this fee regardless
    to the fact if you used the card or not… I had to pay another $95.00
    so called activation fee up front before they would even process the
    card. Then they tell you that you will get your card in 5-7 business
    days and the 7th day was stretching it as she said it would be sooner
    than that. Well… Here we are on day 14 and still no card but however
    we did manage to get our first bill already.. Got my first bill within 4
    days of opening the account. I called to ask where my card was only to
    be told 6 different things and for the agents to keep interrupting me
    and hanging up on me each time I called even had a supervisor hang up on
    me!! I finally just called today to ask again why my card did not come
    yet only to be told ANOTHER date again so they keep lying saying a
    different date every time we call so finally after be hung up on 4 times
    and the 5th time by the supervisor on the floor I called back again and
    just told them to cancel the entire thing only then did I get
    threatened by that agent about ruining my credit for canceling the card
    and the account… After listening to her go on and on about how it was
    going to hurt me if I cancelled and her trying to offer me a small
    $10.00 credit I was finally able to cancel the entire card and account
    she then assured me my refund would be back on my bank card in 24-48
    hours.. Guess we just have to cross our fingers on that one… But the
    last agent in the cancel dept just made me feel like poo saying
    basically this is what we get for having less than perfect credit… I
    will never do this again and I DO NOT recommend this idea to anyone
    EVER!!!!I cannot believe that the government has not shut this company down!!! I
    cancelled my account after paying a $95.00 setup fee and waiting over 2
    weeks and never getting my credit card. However I did get a bill after
    day 2 of having the account open.. I called and called and got the run
    around the entire time and still never got a card so I cancelled the
    account on Monday and here it is over 2 weeks later and they still have
    not refunded my money from the deposit I paid.. And every time you call
    they give you another excuse as to why you have not gotten your money
    back and they go from “oh it will take 23-48 hours” to “oh it take 24-48
    business hours” for this to be refunded after telling them over and
    over again that it has been longer than that I still have no money or
    refund from this company!!! They are now saying it take 3-4 business
    days for the cancellation to go into the system then another 3-4
    business days for the money to be refunded!! This company should NOT be
    in business as they do nothing but steal peoples money from them!!!
    Every agent you talk to and supervisor you talk to while give you one
    excuse after another when you call as to why they did not do what they
    was supposed to do I would never EVER recommend this company to
    anyone!!!

    • Paul Grace

      Always research cards first on sites like this and others. I agree with you and I’m sorry you got screwed. My daughters score is in the high 500s and she has a captial one card is very reasonable….no start up fee up front like the $99 here. Just a suggestion.

      • Lode Loyens

        I’ve learned the hard way that almost always when a processing fee is being charged upfront, the credit card being offered ends up being a rip off. Legit credit card companies do not charge none-refundable processing fees upfront.

      • Lode Loyens

        I’ve learned the hard way that almost always when a processing fee is being charged upfront, the credit card being offered ends up being a rip off. Legit credit card companies do not charge none-refundable processing fees upfront.

  • Penny

    Ok I was thrilled to get the so called $400 credit line but they did not
    tell you up front that they would be taking $99.00 of that initial
    $400.00 right off the bat for some kind of annual account fee then every
    month after that you would get charged monthly for this fee regardless
    to the fact if you used the card or not… I had to pay another $95.00
    so called activation fee up front before they would even process the
    card. Then they tell you that you will get your card in 5-7 business
    days and the 7th day was stretching it as she said it would be sooner
    than that. Well… Here we are on day 14 and still no card but however
    we did manage to get our first bill already.. Got my first bill within 4
    days of opening the account. I called to ask where my card was only to
    be told 6 different things and for the agents to keep interrupting me
    and hanging up on me each time I called even had a supervisor hang up on
    me!! I finally just called today to ask again why my card did not come
    yet only to be told ANOTHER date again so they keep lying saying a
    different date every time we call so finally after be hung up on 4 times
    and the 5th time by the supervisor on the floor I called back again and
    just told them to cancel the entire thing only then did I get
    threatened by that agent about ruining my credit for canceling the card
    and the account… After listening to her go on and on about how it was
    going to hurt me if I cancelled and her trying to offer me a small
    $10.00 credit I was finally able to cancel the entire card and account
    she then assured me my refund would be back on my bank card in 24-48
    hours.. Guess we just have to cross our fingers on that one… But the
    last agent in the cancel dept just made me feel like poo saying
    basically this is what we get for having less than perfect credit… I
    will never do this again and I DO NOT recommend this idea to anyone
    EVER!!!!I cannot believe that the government has not shut this company down!!! I
    cancelled my account after paying a $95.00 setup fee and waiting over 2
    weeks and never getting my credit card. However I did get a bill after
    day 2 of having the account open.. I called and called and got the run
    around the entire time and still never got a card so I cancelled the
    account on Monday and here it is over 2 weeks later and they still have
    not refunded my money from the deposit I paid.. And every time you call
    they give you another excuse as to why you have not gotten your money
    back and they go from “oh it will take 23-48 hours” to “oh it take 24-48
    business hours” for this to be refunded after telling them over and
    over again that it has been longer than that I still have no money or
    refund from this company!!! They are now saying it take 3-4 business
    days for the cancellation to go into the system then another 3-4
    business days for the money to be refunded!! This company should NOT be
    in business as they do nothing but steal peoples money from them!!!
    Every agent you talk to and supervisor you talk to while give you one
    excuse after another when you call as to why they did not do what they
    was supposed to do I would never EVER recommend this company to
    anyone!!!

  • Paul Grace

    Total rape, my daughter saw your review after receiving an offer and decided against it and sent this to me, thanks man! I try to point her in the right direction but it helps when it’s not dad telling her.

    • Lode Loyens

      Hey Paul;

      Understand! Here’s what I did after my FP nightmare: I opened a secured credit card with US bank for $1,500 (you can choose the amount of credit you wish to have).

      The bank charges a $35 annual fee but waves all checking and savings monthly processing fees if you open those with them at the same time you apply for a secured credit card (minimum starting balances is $25 per account).

      Additionally, their secured credit card carries a ‘reasonable’ APR of 14.3 percent and if you keep the card in good standing for one year (don’t go over your limit and don’t make late payments), the secured card converts to an unsecured credit card.

      Getting a secured credit card with a reputable company was certainly the smarter move for me after my FP fiasco. What’s more, my wife also applied for a secured credit card at the same bank. And although her credit isn’t good (it’s not as bad as mine however), she was approved for an unsecured credit card with a $5,000 limit… much to her joyous surprise.

      A secured credit card is money out of pocket, I know but it certainly beats being taken to the cleaners by thieves who prowl on individuals who are facing financial setbacks.

      Best of luck to you and your daughter.

  • Paul Grace

    Total rape, my daughter saw your review after receiving an offer and decided against it and sent this to me, thanks man! I try to point her in the right direction but it helps when it’s not dad telling her.

  • Paul Grace

    Always research cards first on sites like this and others. I agree with you and I’m sorry you got screwed. My daughters score is in the high 500s and she has a captial one card is very reasonable….no start up fee up front like the $99 here. Just a suggestion.

    • Lode Loyens

      I’ve learned the hard way that almost always when a processing fee is being charged upfront, the credit card being offered ends up being a rip off. Legit credit card companies do not charge none-refundable processing fees upfront.

  • Lucky?

    I truly, truly, truly appreciate your warning. I applied for them and was “approved” but was waiting until my next payday to give them the $95 when it occurred to me to google them first because $95 is a LOT of money for me. Actually, I was going to not pay my cell phone bill just to pay first premier and then use the card to pay the cell phone. You know…robbing peter to pay Paul. Thank God I found this website. I’m paying Sprint and saving up the money to go elsewhere.

  • Lucky?

    I truly, truly, truly appreciate your warning. I applied for them and was “approved” but was waiting until my next payday to give them the $95 when it occurred to me to google them first because $95 is a LOT of money for me. Actually, I was going to not pay my cell phone bill just to pay first premier and then use the card to pay the cell phone. You know…robbing peter to pay Paul. Thank God I found this website. I’m paying Sprint and saving up the money to go elsewhere.

  • Nicci82

    They are the worst, so unprofessional and their fees and way of dealing with your payments are a horrific. They tell you to make a payment online and you have to do it by check, but the fail to tell you that it will take 3-5 business days to process the payment, even if the payment is early, and even if they have already taken the payment out of your checking account. They have the worst attitudes and I can’t believe that they have not been in some sort of trouble for the way they talk to people.

  • Nicci82

    They are the worst, so unprofessional and their fees and way of dealing with your payments are a horrific. They tell you to make a payment online and you have to do it by check, but the fail to tell you that it will take 3-5 business days to process the payment, even if the payment is early, and even if they have already taken the payment out of your checking account. They have the worst attitudes and I can’t believe that they have not been in some sort of trouble for the way they talk to people.

  • Nicci82

    They are the worst, so unprofessional and their fees and way of dealing with your payments are a horrific. They tell you to make a payment online and you have to do it by check, but the fail to tell you that it will take 3-5 business days to process the payment, even if the payment is early, and even if they have already taken the payment out of your checking account. They have the worst attitudes and I can’t believe that they have not been in some sort of trouble for the way they talk to people.

  • Nicci82

    They are total crooks and my experience with them for the first month I had my credit card with them was not a great one.

  • Nicci82

    They are total crooks and my experience with them for the first month I had my credit card with them was not a great one.

  • Nicci82

    For your information…you have no idea what life changing events caused individuals credit scores to drop. Some people don’t pay their bills on time, b/c they may have lost their job, using their credit to help manage doctor bills for a very sick child, or had to go on bed rest during their 5th month of pregnancy. So, in that right people do have the right to complain. Pay your AMEX/American Express and try not to focus on those of us who complain about getting ripped off when where trying to in fact build, re-build our credit.

    • Rhandi Nelson

      You are so right!!!

  • Nicci82

    For your information…you have no idea what life changing events caused individuals credit scores to drop. Some people don’t pay their bills on time, b/c they may have lost their job, using their credit to help manage doctor bills for a very sick child, or had to go on bed rest during their 5th month of pregnancy. So, in that right people do have the right to complain. Pay your AMEX/American Express and try not to focus on those of us who complain about getting ripped off when where trying to in fact build, re-build our credit.

  • carey

    Thank You,I received a card in the mail,tore it up,it sounds like those rip-off online payday loans,I believe every word you are saying.

  • carey

    Thank You,I received a card in the mail,tore it up,it sounds like those rip-off online payday loans,I believe every word you are saying.

  • http://nerdbytez.wordpress.com/ Cupcake

    You mean the same way you’re complaining? Smh..

  • http://nerdbytez.wordpress.com/ Cupcake

    You mean the same way you’re complaining? Smh..

  • http://nerdbytez.wordpress.com/ Cupcake

    I am so sorry… sending you good vibes and some goodluck your way!

  • http://nerdbytez.wordpress.com/ Cupcake

    I am so sorry… sending you good vibes and some goodluck your way!

  • C Morrow-Usher

    Oooo boy let me tell you just yesterday I was VERY heated with this bank. I would not even refer this credit card to my worst enemy. I was approved last Thursday (4/9/15). Paid the $95 which was taken out of my acct ASAP on (4/13/2015). Only to hear them tell me I still have to pay another 100 bucks for annual fee. I told them shove it, I don’t want it period and to send me my money back quick. The rep tells me it will take another 13 days to send me a check out that’s company policy. I said it didn’t 13 days for you to do an electronic payment from my checking acct just reverse it. They are really rude not to mention even before I was irate I was hung up twice when I mentioned “refund”. Please anyone reading this find another secure card or slowly pay off debt when possible. This place STINKS….

    • Williams

      Thanks for sharing this post. YOU HAVE SAVED ME MONEY. I was seriously about to get a credit card with this company. I hope they give you your money back. I think ima do some reseach on wells fargo and see what they are offering. Although, i do know they have this credit card where you have to put 300.00 dollars down on the credit card instead of them putting money on the card. It sounds stupid but i guess they are protecting their selves in case you dont pay them back. The card suppose to help build credit.

      • Clarisa

        No problem… Yes Wells Fargo has a secure credit as well and do require a deposit but in the end it is worth it and you’ll see a good reflect on credit report for paying as agreed… Good Luck!

      • Clarisa

        No problem… Yes Wells Fargo has a secure credit as well and do require a deposit but in the end it is worth it and you’ll see a good reflect on credit report for paying as agreed… Good Luck!

      • Christy Ruckus

        So i will be checking into Wells Fargo as well, im trying to buy a house in the next year my credit is bad and my question is if you have any other suggestions on how to rebuild and get credit when no one will get u anything because your credit is bad?? I have nothing in my name currently except a bank account and a carvthat i paid off last november in which that will fall off my credit because im not paying anything now since its paid for???

      • Christy Ruckus

        So i will be checking into Wells Fargo as well, im trying to buy a house in the next year my credit is bad and my question is if you have any other suggestions on how to rebuild and get credit when no one will get u anything because your credit is bad?? I have nothing in my name currently except a bank account and a carvthat i paid off last november in which that will fall off my credit because im not paying anything now since its paid for???

  • C Morrow-Usher

    Oooo boy let me tell you just yesterday I was VERY heated with this bank. I would not even refer this credit card to my worst enemy. I was approved last Thursday (4/9/15). Paid the $95 which was taken out of my acct ASAP on (4/13/2015). Only to hear them tell me I still have to pay another 100 bucks for annual fee. I told them shove it, I don’t want it period and to send me my money back quick. The rep tells me it will take another 13 days to send me a check out that’s company policy. I said it didn’t 13 days for you to do an electronic payment from my checking acct just reverse it. They are really rude not to mention even before I was irate I was hung up twice when I mentioned “refund”. Please anyone reading this find another secure card or slowly pay off debt when possible. This place STINKS….

  • C Morrow-Usher

    Oooo boy let me tell you just yesterday I was VERY heated with this bank, it is not worth it. I would not even refer this credit card company to my worst enemy. I should have listened to my gut telling me dont even waste my time. I just wanted to get my score up and get my 2 daughters new bikes. Well, I was approved last Thursday (4/9/15). Paid the $95 which was taken out of my acct A-S-A-P on (4/13/2015). Only to hear them tell me I still have to pay another $99 for annual fee. I told them shove it, I don’t want it period and to send me my money back quick. The rep tells me it will take another 13 days to send me a check out that’s company policy. I said it didn’t take 13 days for you to do an electronic payment from my checking acct just reverse it. They are really rude not to mention even before I was irate I was hung up on literally twice when I mentioned “refund”. Please anyone reading this find another secure card or slowly pay off debt when possible. This place STINKS….

    • Williams

      Thanks for sharing this post. YOU HAVE SAVED ME MONEY. I was seriously about to get a credit card with this company. I hope they give you your money back. I think ima do some reseach on wells fargo and see what they are offering. Although, i do know they have this credit card where you have to put 300.00 dollars down on the credit card instead of them putting money on the card. It sounds stupid but i guess they are protecting their selves in case you dont pay them back. The card suppose to help build credit.

      • Clarisa

        No problem… Yes Wells Fargo has a secure credit as well and do require a deposit but in the end it is worth it and you’ll see a good reflect on credit report for paying as agreed… Good Luck!

      • Christy Ruckus

        So i will be checking into Wells Fargo as well, im trying to buy a house in the next year my credit is bad and my question is if you have any other suggestions on how to rebuild and get credit when no one will get u anything because your credit is bad?? I have nothing in my name currently except a bank account and a carvthat i paid off last november in which that will fall off my credit because im not paying anything now since its paid for???

  • Ranina

    I am self-employed and got this card about six months ago because I had an emergency arise and my other cards were at their limits.
    I have since been appalled by their practices. Fraud and usury! I realized that the annual fee, exorbitant interest rates, etc. were to be expected from an outfit like this…but what really got me was the online bill pay scam:
    I paid $5 for the “privilege” of paying online. Made the first month’s payment (3 times the minimum) 5 days early. I still had a $200 credit left at that time. 10 days later, I tried using the card and it was rejected!!!
    When I looked at my online summary, it indicated that they had not received the payment, that I was in default, and the account was temporarily closed! No one notified me. When I called and finally got someone on the phone he said that my bank account number was off by one number and they were therefore unable to process it. I asked why their site said I had successfully made a payment then. (???)
    He didn’t know and I ended up making a phone payment. They “graciously” waived that fee. It took 4 more phone calls and 3 more tries to get my bank account number straightened out.

    BUT WAIT! HERE’S THE CLINCHER: I went online yesterday to read other complaints because since then they keep doing tricks like not crediting my account (I was told that they hold online payments for up to 20 days!!!) and adding false late fees. And out of the first dozen or so complaints I looked at, 3 of them said they had been told that they had wrong bank routing numbers!!!
    This company preys on naive, poor people. They have been able to depend being able to slither around in the dark. Well, social media is shedding light on them.
    next I am going to the Consumer Protection Bureau and file a complaint. (Not today, as I am too busy trying to make an HONEST living!)

    • Marty

      This is one of their scams. they did the exact same to me, except i take screen shots of my payment confirmations and the dates. I told them i had all the proof and they would not do anything and reported me to CB. I called my attorney he send them a letter to fix the issue within 21 days and take care of it with ,y credit report and refund all fees or risk lawsuit. They did it within 72 hours of receiving letter. I left them for other reasons as well.

  • Ranina

    I am self-employed and got this card about six months ago because I had an emergency arise and my other cards were at their limits.
    I have since been appalled by their practices. Fraud and usury! I realized that the annual fee, exorbitant interest rates, etc. were to be expected from an outfit like this…but what really got me was the online bill pay scam:
    I paid $5 for the “privilege” of paying online. Made the first month’s payment (3 times the minimum) 5 days early. I still had a $200 credit left at that time. 10 days later, I tried using the card and it was rejected!!!
    When I looked at my online summary, it indicated that they had not received the payment, that I was in default, and the account was temporarily closed! No one notified me. When I called and finally got someone on the phone he said that my bank account number was off by one number and they were therefore unable to process it. I asked why their site said I had successfully made a payment then. (???)
    He didn’t know and I ended up making a phone payment. They “graciously” waived that fee. It took 4 more phone calls and 3 more tries to get my bank account number straightened out.

    BUT WAIT! HERE’S THE CLINCHER: I went online yesterday to read other complaints because since then they keep doing tricks like not crediting my account (I was told that they hold online payments for up to 20 days!!!) and adding false late fees. And out of the first dozen or so complaints I looked at, 3 of them said they had been told that they had wrong bank routing numbers!!!
    This company preys on naive, poor people. They have been able to depend being able to slither around in the dark. Well, social media is shedding light on them.
    next I am going to the Consumer Protection Bureau and file a complaint. (Not today, as I am too busy trying to make an HONEST living!)

  • Ranina

    I am self-employed and got this card about six months ago because I had an emergency arise and my other cards were at their limits.
    I have since been appalled by their practices. Fraud and usury! I realized that the annual fee, exorbitant interest rates, etc. were to be expected from an outfit like this…but what really got me was the online bill pay scam:
    I paid $5 for the “privilege” of paying online. Made the first month’s payment (3 times the minimum) 5 days early. I still had a $200 credit left at that time. 10 days later, I tried using the card and it was rejected!!!
    When I looked at my online summary, it indicated that they had not received the payment, that I was in default, and the account was temporarily closed! No one notified me. When I called and finally got someone on the phone he said that my bank account number was off by one number and they were therefore unable to process it. I asked why their site said I had successfully made a payment then. (???)
    He didn’t know and I ended up making a phone payment. They “graciously” waived that fee. It took 4 more phone calls and 3 more tries to get my bank account number straightened out.

    BUT WAIT! HERE’S THE CLINCHER: I went online yesterday to read other complaints because since then they keep doing tricks like not crediting my account (I was told that they hold online payments for up to 20 days!!!) and adding false late fees. And out of the first dozen or so complaints I looked at, 3 of them said they had been told that they had wrong bank routing numbers!!!
    This company preys on naive, poor people. They have been able to depend being able to slither around in the dark. Well, social media is shedding light on them.
    next I am going to the Consumer Protection Bureau and file a complaint. (Not today, as I am too busy trying to make an HONEST living!)

    • Marty

      This is one of their scams. they did the exact same to me, except i take screen shots of my payment confirmations and the dates. I told them i had all the proof and they would not do anything and reported me to CB. I called my attorney he send them a letter to fix the issue within 21 days and take care of it with ,y credit report and refund all fees or risk lawsuit. They did it within 72 hours of receiving letter. I left them for other reasons as well.

  • Sylvie Gosselin

    I haved this card for over a year now. I want to pay of my balance, which is ok but if I don’t use my card they are still charging me 14.95 a month even it I don’t use it. As long that I keep it I have to pay. So my recommendation is look around for another.card

    • Marty

      I had mine for about the same amount of time. I got a offer finally from capitol one. filled out the info online with them and was approved for 2 cards. 0% interest for a flu year than a variable apr 3%-17%. 10,000 credit limit and 20,000 on the other one. That’s pretty good considering i only had a $700 credit limit with FP and they had the nerve to increase my limit without my knowledge. told them to take away the increase, close the account because my score went from a 570 to a 695 and I don’t need them anymore. moved on.

      By the way, that $14.50 per month even when you don’t carry a balance is ridiculous. that’s also why i got rid of them. Now i get 1.5% cash back with Capitol one

    • Robin Kimberly Davis

      How do I close my account? When I pay the balance off then what?

  • Sylvie Gosselin

    I haved this card for over a year now. I want to pay of my balance, which is ok but if I don’t use my card they are still charging me 14.95 a month even it I don’t use it. As long that I keep it I have to pay. So my recommendation is look around for another.card

  • Sylvie Gosselin

    I haved this card for over a year now. I want to pay of my balance, which is ok but if I don’t use my card they are still charging me 14.95 a month even it I don’t use it. As long that I keep it I have to pay. So my recommendation is look around for another.card

    • Marty

      I had mine for about the same amount of time. I got a offer finally from capitol one. filled out the info online with them and was approved for 2 cards. 0% interest for a flu year than a variable apr 3%-17%. 10,000 credit limit and 20,000 on the other one. That’s pretty good considering i only had a $700 credit limit with FP and they had the nerve to increase my limit without my knowledge. told them to take away the increase, close the account because my score went from a 570 to a 695 and I don’t need them anymore. moved on.

      By the way, that $14.50 per month even when you don’t carry a balance is ridiculous. that’s also why i got rid of them. Now i get 1.5% cash back with Capitol one

    • Robin Kimberly Davis

      How do I close my account? When I pay the balance off then what?

  • Adel Elostta

    I got my FP card when my credit score was a 502 it has been about 9 years now . FP despite their high fees was an excellent tool to
    rebuild my credit. Fast forward 4 years my credit had seen a 120pt increase. I did not get any increase on my credit limit. Seven years later my credit limit has remained the same. After maintaining a
    good track record with them through out the years, i made a payment last month and they are claiming that the payment was late . They reported me late but i was not late at all with my payment.
    i called them and i spoke with Niki her ID no# was 13789 i told her that I’m trying my best to refinance my house and asked her to please help me in any way you can to correct this mistake. Her reply was ((you make the payment not us we can not help you at this point, we reported the correct information only )) In fact I had made my payment on time. i will be
    closing all of my FP cards because they suck when you dont even use the card. I’m starting a class action law suit against this company join me if you have been hurt by them.

    • Marty

      Hi Adel, please let me know where I need to go to join you. I would love to be aboard. Thanks!

    • Treva Smith

      where do I sign up?

  • Adel Elostta

    I got my FP card when my credit score was a 502 it has been about 9 years now . FP despite their high fees was an excellent tool to
    rebuild my credit. Fast forward 4 years my credit had seen a 120pt increase. I did not get any increase on my credit limit. Seven years later my credit limit has remained the same. After maintaining a
    good track record with them through out the years, i made a payment last month and they are claiming that the payment was late . They reported me late but i was not late at all with my payment.
    i called them and i spoke with Niki her ID no# was 13789 i told her that I’m trying my best to refinance my house and asked her to please help me in any way you can to correct this mistake. Her reply was ((you make the payment not us we can not help you at this point, we reported the correct information only )) In fact I had made my payment on time. i will be
    closing all of my FP cards because they suck when you dont even use the card. I’m starting a class action law suit against this company join me if you have been hurt by them.

  • Adel Elostta

    I got my FP card when my credit score was a 502 it has been about 9 years now . FP despite their high fees was an excellent tool to
    rebuild my credit. Fast forward 4 years my credit had seen a 120pt increase. I did not get any increase on my credit limit. Seven years later my credit limit has remained the same. After maintaining a
    good track record with them through out the years, i made a payment last month and they are claiming that the payment was late . They reported me late but i was not late at all with my payment.
    i called them and i spoke with Niki her ID no# was 13789 i told her that I’m trying my best to refinance my house and asked her to please help me in any way you can to correct this mistake. Her reply was ((you make the payment not us we can not help you at this point, we reported the correct information only )) In fact I had made my payment on time. i will be
    closing all of my FP cards because they suck when you dont even use the card. I’m starting a class action law suit against this company join me if you have been hurt by them.

    • Marty

      Hi Adel, please let me know where I need to go to join you. I would love to be aboard. Thanks!

    • Treva Smith

      where do I sign up?

  • memama1966

    These people pissed me off a few years back and I refused to pay them off. The fees were ridiculous. This is the only bad thing on my credit only because I refuse to pay them. My score is rising on its on because we bought a car and that is raising my score. Screw them! DO NOT EVER GET THIS CARD EVER!!!!!

  • memama1966

    These people pissed me off a few years back and I refused to pay them off. The fees were ridiculous. This is the only bad thing on my credit only because I refuse to pay them. My score is rising on its on because we bought a car and that is raising my score. Screw them! DO NOT EVER GET THIS CARD EVER!!!!!

  • memama1966

    These people pissed me off a few years back and I refused to pay them off. The fees were ridiculous. This is the only bad thing on my credit only because I refuse to pay them. My score is rising on its on because we bought a car and that is raising my score. Screw them! DO NOT EVER GET THIS CARD EVER!!!!!

  • Lacey Marie

    So many fees! HORRIBLE customer service! HORRIBLE company! Do yourself a favor and avoid signing up with this card!!!!

  • Lacey Marie

    So many fees! HORRIBLE customer service! HORRIBLE company! Do yourself a favor and avoid signing up with this card!!!!

  • Lacey Marie

    So many fees! HORRIBLE customer service! HORRIBLE company! Do yourself a favor and avoid signing up with this card!!!!

  • http://www.gypsyforlife.blogspot.com/ Trista Crass

    BLESS you for writing and sharing this information–!!!

  • http://www.gypsyforlife.blogspot.com/ Trista Crass

    BLESS you for writing and sharing this information–!!!

  • http://www.gypsyforlife.blogspot.com/ Trista Crass

    BLESS you for writing and sharing this information–!!!

  • Connie Molitor Bergeron

    We keep getting calls from these idiots 6-8 times a day and it shows on our phone as unavailable! Any suggestions?

    • bernie

      Tell them to add you to their “do not call” list or you’ll report them.

  • Connie Molitor Bergeron

    We keep getting calls from these idiots 6-8 times a day and it shows on our phone as unavailable! Any suggestions?

  • Connie Molitor Bergeron

    We keep getting calls from these idiots 6-8 times a day and it shows on our phone as unavailable! Any suggestions?

  • Kimberly Tillett

    Jesus H. Christ, if I ever make the mistake of jumping the gun like I did with this ever again, please lock me up in a looney bin and throw away the key!

    I applied, not before realizing there was a $125 annual fee on a credit card with a maximum limit of $500? What the actual hell? Not to mention the $29 fee to get the card sent to me, and a $5 fee to even access the information online.

    I immediately started blowing up their phone line. FYI, all you get is an automated service with EVERY SINGLE OPTION they give you pertaining to the card, even the one that should allow you to talk to a representative. I finally got and actual person when I selected the option for credit counseling and was transferred from there to someone who could tell me what the hell was up.

    Before the poor guy could get a word in edgewise (I say poor guy because at the end of the day he’s just workin’ for a paycheck like the rest of us), I demanded a refund for the initial start up cost, I asked they close the credit card, and demanded to not be held responsible for this ridiculous $125 fee. This was all within a half-hour, if that, of the initial application. I told them that if this could not be taken care of immediately that I would seek legal representation to rectify the matter.

    He told me what I had paid initially would be refunded within 48-hours, that the card would be closed (and that if I received one in the mail that I could basically ignore it), and that I would absolutely not be held responsible for the $125 they would stick on the card first thing as an annual fee.

    I made sure to get a reference number to the conversation and wrote down the names of the two people I spoke with. Today is Monday around 4pm. I’ll give them until Wednesday evening to process the refund and if it’s not there by Thursday morning they’ll be getting a call back. If for some reason I do get this card in the mail, I’m going to call them and request a statement saying it had been closed and that the balance is $0.00.

    What the hell? I know I’m the dumb dumb who got a little trigger happy, but wow. These people are complete predators!

    DON’T do what I did, lol, for the love of God! Shred their offers right away and move the hell on! Anything with that many fees and secrets are SO NOT WORTH IT!

  • Kimberly Tillett

    Jesus H. Christ, if I ever make the mistake of jumping the gun like I did with this ever again, please lock me up in a looney bin and throw away the key!

    I applied, not before realizing there was a $125 annual fee on a credit card with a maximum limit of $500? What the actual hell? Not to mention the $29 fee to get the card sent to me, and a $5 fee to even access the information online.

    I immediately started blowing up their phone line. FYI, all you get is an automated service with EVERY SINGLE OPTION they give you pertaining to the card, even the one that should allow you to talk to a representative. I finally got and actual person when I selected the option for credit counseling and was transferred from there to someone who could tell me what the hell was up.

    Before the poor guy could get a word in edgewise (I say poor guy because at the end of the day he’s just workin’ for a paycheck like the rest of us), I demanded a refund for the initial start up cost, I asked they close the credit card, and demanded to not be held responsible for this ridiculous $125 fee. This was all within a half-hour, if that, of the initial application. I told them that if this could not be taken care of immediately that I would seek legal representation to rectify the matter.

    He told me what I had paid initially would be refunded within 48-hours, that the card would be closed (and that if I received one in the mail that I could basically ignore it), and that I would absolutely not be held responsible for the $125 they would stick on the card first thing as an annual fee.

    I made sure to get a reference number to the conversation and wrote down the names of the two people I spoke with. Today is Monday around 4pm. I’ll give them until Wednesday evening to process the refund and if it’s not there by Thursday morning they’ll be getting a call back. If for some reason I do get this card in the mail, I’m going to call them and request a statement saying it had been closed and that the balance is $0.00.

    What the hell? I know I’m the dumb dumb who got a little trigger happy, but wow. These people are complete predators!

    DON’T do what I did, lol, for the love of God! Shred their offers right away and move the hell on! Anything with that many fees and secrets are SO NOT WORTH IT!

  • Kimberly Tillett

    Jesus H. Christ, if I ever make the mistake of jumping the gun like I did with this ever again, please lock me up in a looney bin and throw away the key!

    I applied, not before realizing there was a $125 annual fee on a credit card with a maximum limit of $500? What the actual hell? Not to mention the $29 fee to get the card sent to me, and a $5 fee to even access the information online.

    I immediately started blowing up their phone line. FYI, all you get is an automated service with EVERY SINGLE OPTION they give you pertaining to the card, even the one that should allow you to talk to a representative. I finally got and actual person when I selected the option for credit counseling and was transferred from there to someone who could tell me what the hell was up.

    Before the poor guy could get a word in edgewise (I say poor guy because at the end of the day he’s just workin’ for a paycheck like the rest of us), I demanded a refund for the initial start up cost, I asked they close the credit card, and demanded to not be held responsible for this ridiculous $125 fee. This was all within a half-hour, if that, of the initial application. I told them that if this could not be taken care of immediately that I would seek legal representation to rectify the matter.

    He told me what I had paid initially would be refunded within 48-hours, that the card would be closed (and that if I received one in the mail that I could basically ignore it), and that I would absolutely not be held responsible for the $125 they would stick on the card first thing as an annual fee.

    I made sure to get a reference number to the conversation and wrote down the names of the two people I spoke with. Today is Monday around 4pm. I’ll give them until Wednesday evening to process the refund and if it’s not there by Thursday morning they’ll be getting a call back. If for some reason I do get this card in the mail, I’m going to call them and request a statement saying it had been closed and that the balance is $0.00.

    What the hell? I know I’m the dumb dumb who got a little trigger happy, but wow. These people are complete predators!

    DON’T do what I did, lol, for the love of God! Shred their offers right away and move the hell on! Anything with that many fees and secrets are SO NOT WORTH IT!

  • Kaite

    THANK YOU!!!!!!

  • Kaite

    THANK YOU!!!!!!

  • Kaite

    THANK YOU!!!!!!

  • jack

    I have two of these cards when my credit was bad. I’m going to pay them off now I have good credit. They are not, in my opinion, reputable. They charge you fees without notifying you in advance. My advice, stay away.

  • jack

    I have two of these cards when my credit was bad. I’m going to pay them off now I have good credit. They are not, in my opinion, reputable. They charge you fees without notifying you in advance. My advice, stay away.

  • jack

    I have two of these cards when my credit was bad. I’m going to pay them off now I have good credit. They are not, in my opinion, reputable. They charge you fees without notifying you in advance. My advice, stay away.

  • Summer Peters

    too many fees, and when i did a balance transfer to pay off First Premier, it sat there and they said they never received the payments… all while allowing more fees and interest to tack onto the account. even charging me a $27 dollar late fee that i had to fight to get removed. As soon as i call and complain some more tomorrow with proof of this payment, i will be closing this account. NEVER again will i go with this company or recommend this company to anyone.

  • Summer Peters

    too many fees, and when i did a balance transfer to pay off First Premier, it sat there and they said they never received the payments… all while allowing more fees and interest to tack onto the account. even charging me a $27 dollar late fee that i had to fight to get removed. As soon as i call and complain some more tomorrow with proof of this payment, i will be closing this account. NEVER again will i go with this company or recommend this company to anyone.

  • Pheebz513

    I, too, have given in and gotten this card. My credit was simply nasty (around 550ish) and options were slim to none. Limit: $300. Not great but not horrible. Useful in an emergency. True, it does have outrageous fees but after about 4-6 months of having this card, I started to receive offers from more “reputable” companies (Capitol One, etc…) and have been able to “move up” so to speak. My credit is currently bouncing about 600 =/- 10pts here and there, but steadily rising. I’ve been very mindful to pay them (or pay them off) quickly and on time. One thing they don’t tell you is that although you payment will post in a few days (3-4ish) those funds will NOT be available for usage (no matter what) for 21, yes twenty-one, days. Right about the time to make the next payment. This has rendered the card practically useless for me. I basically now just buy a tank of gas during the small window of usage that it has and pay it off. I don’t plan on keeping this one forever, probably not all that much longer, but it has helped me accomplish a goal of establishing credit, good credit, and opening my options up to bigger and better opportunities. Baby steps, folks, baby steps. Good things will come to those who are vigilant and patient!! GL to all of you!

  • Pheebz513

    I, too, have given in and gotten this card. My credit was simply nasty (around 550ish) and options were slim to none. Limit: $300. Not great but not horrible. Useful in an emergency. True, it does have outrageous fees but after about 4-6 months of having this card, I started to receive offers from more “reputable” companies (Capitol One, etc…) and have been able to “move up” so to speak. My credit is currently bouncing about 600 =/- 10pts here and there, but steadily rising. I’ve been very mindful to pay them (or pay them off) quickly and on time. One thing they don’t tell you is that although you payment will post in a few days (3-4ish) those funds will NOT be available for usage (no matter what) for 21, yes twenty-one, days. Right about the time to make the next payment. This has rendered the card practically useless for me. I basically now just buy a tank of gas during the small window of usage that it has and pay it off. I don’t plan on keeping this one forever, probably not all that much longer, but it has helped me accomplish a goal of establishing credit, good credit, and opening my options up to bigger and better opportunities. Baby steps, folks, baby steps. Good things will come to those who are vigilant and patient!! GL to all of you!

  • shaureen

    I recieved this card and luckily declined it before any any fees could kick in. My initial credit limit was $700, then $175.00 initial fees, $25 processing fee plus $4.95 to setup an online account. So my starting balance would be less than $500 @ 36%APR??? No thanks.

    • Gisela Ramirez

      How did you decline it? I just got mine and don’t want it anymore. I havent payed the processing fee or anything.

    • reggie t owens

      I need a credit card

  • shaureen

    I recieved this card and luckily declined it before any any fees could kick in. My initial credit limit was $700, then $175.00 initial fees, $25 processing fee plus $4.95 to setup an online account. So my starting balance would be less than $500 @ 36%APR??? No thanks.

  • shaureen

    I recieved this card and luckily declined it before any any fees could kick in. My initial credit limit was $700, then $175.00 initial fees, $25 processing fee plus $4.95 to setup an online account. So my starting balance would be less than $500 @ 36%APR??? No thanks.

    • Gisela Ramirez

      How did you decline it? I just got mine and don’t want it anymore. I havent payed the processing fee or anything.

    • reggie t owens

      I need a credit card

  • Kelly

    I want to thank everyone for posting about this company. I too have just received a card in the mail. I am in the process of rebuilding my credit. I have recently received a credit card from capital one. After opening that account I received this card in the mail. I never applied for it. It states that I have to pay then $49 processing fee to open it. With a credit limit of $500. Then they would charge me $125 annual fee for the first year and $49 after that plus $10.40 a month after the first year. So basically the “one time fee” turns into your annual fee and the monthly fees for the first year are paid up front. Nice try first premiere! Don’t think I will be sending them anything. I will however be holding on to the paperwork that states that if I do not pay the processing fee that I will not charged anything and my account with not be opened. I think I will stick with my capital one card and apply what I would be paying these people to them.

  • Kelly

    I want to thank everyone for posting about this company. I too have just received a card in the mail. I am in the process of rebuilding my credit. I have recently received a credit card from capital one. After opening that account I received this card in the mail. I never applied for it. It states that I have to pay then $49 processing fee to open it. With a credit limit of $500. Then they would charge me $125 annual fee for the first year and $49 after that plus $10.40 a month after the first year. So basically the “one time fee” turns into your annual fee and the monthly fees for the first year are paid up front. Nice try first premiere! Don’t think I will be sending them anything. I will however be holding on to the paperwork that states that if I do not pay the processing fee that I will not charged anything and my account with not be opened. I think I will stick with my capital one card and apply what I would be paying these people to them.

  • Anthony

    FROM BEING DENIED TO APPROVED FOR $1500 CREDIT. WOW! I cannot believe the negative reviews here. A majority of these reviews are from those who failed to provide a correct routing number or are 13 minutes later after the due date. Stop criticizing this bank, it is YOUR fault and YOU failed to agree with the terms, rate and fees. I have been with this card for 5 months and I have NEVER had a problem or had to contact customer support. This card helped me dramatically with my credit score.

    I had a debt on my credit report that belonged to a relative with a similar name. I was denied for every single credit card because of that debt. At that time my TransUnion score was 540 and no Equifax score. I applied for a First Premier Bank credit card and was approved after I had verified my identity with a representative over the phone. That representative was extremely nice to me, had patience and spoke very well English. A week later they sent me my orange card with my name on it with a $300 limit. I never paid the $95 processing fee. Since I had the card on hand I paid the fee with my debit card and the credit card was activated immediately. I contacted the credit bureaus and they removed that debt I mentioned earlier after sending them documents. I had a perfectly clean credit score with only a few inquiries.

    I started with $220 available credit since a $75 annual fee was deducted automatically and I registered an online account for a one-time $4.95 fee. Online statements weren’t available until a week later. My first bill came in two weeks later with a minimum payment of $30. I maxed out this credit card with only $3 left in credit, paid $100 with my debit card over the phone for FREE and was charged $5.65 in interest (36% APR). These fees were specifically on the terms and I was not charged for any additional fees within during the 6 months of use.

    Within the first 3 weeks my TransUnion score went from 540 to 610! Another week later my Transunion score jumped to 620! After 5 months my Transunion is now 690 and my Transunion is 680!!! All with just ONE secured credit card. All you have to do is pay the minimum payment, THAT’S IT! I don’t understand why some people can’t follow that simple rule. Yes, I was a bit awry about the fees but I did it for the sake of my credit and guess what? I was JUST APPROVED for a $1500 credit limit with Capital One who DENIED me before I applied for this card. I don’t even need this card anymore, but as long as its open my score keeps going up and up. I recommend this card temporarily until you resolve your credit crisis.

    Thank you First Premier Bank!

    • step from cali

      it wasn’t premier bank that caused your credit score to go up. it was that YOU got all the other false info to drop off your report thus, causing YOUR credit score to reflect what was correct. first premier is not really a bad company I agree with you on that, however if it was really trying to HELP people with bad credit their fees would not be so high. once you are approved you really only have around 75.00 you can spend on the card. and a bill is given within two weeks of that with interest added for all the fees THEY charged to the card, no grace on their fees. Just boom here is your new card and then bam by the way here’s the bill, thank you very much for letting us bill you, we look forward to charging you again. what they don’t tell you is as soon as you get the card you should pay it to a zero balance to avoid any interest charges and to pay all your bills from them simple a few days in advance of billing to as to not pay as much interest as paying once the bill is sent out.

  • Anthony

    FROM BEING DENIED TO APPROVED FOR $1500 CREDIT. WOW! I cannot believe the negative reviews here. A majority of these reviews are from those who failed to provide a correct routing number or are 13 minutes later after the due date. Stop criticizing this bank, it is YOUR fault and YOU failed to agree with the terms, rate and fees. I have been with this card for 5 months and I have NEVER had a problem or had to contact customer support. This card helped me dramatically with my credit score.

    I had a debt on my credit report that belonged to a relative with a similar name. I was denied for every single credit card because of that debt. At that time my TransUnion score was 540 and no Equifax score. I applied for a First Premier Bank credit card and was approved after I had verified my identity with a representative over the phone. That representative was extremely nice to me, had patience and spoke very well English. A week later they sent me my orange card with my name on it with a $300 limit. I never paid the $95 processing fee. Since I had the card on hand I paid the fee with my debit card and the credit card was activated immediately. I contacted the credit bureaus and they removed that debt I mentioned earlier after sending them documents. I had a perfectly clean credit score with only a few inquiries.

    I started with $220 available credit since a $75 annual fee was deducted automatically and I registered an online account for a one-time $4.95 fee. Online statements weren’t available until a week later. My first bill came in two weeks later with a minimum payment of $30. I maxed out this credit card with only $3 left in credit, paid $100 with my debit card over the phone for FREE and was charged $5.65 in interest (36% APR). These fees were specifically on the terms and I was not charged for any additional fees within during the 6 months of use.

    Within the first 3 weeks my TransUnion score went from 540 to 610! Another week later my Transunion score jumped to 620! After 5 months my Transunion is now 690 and my Transunion is 680!!! All with just ONE secured credit card. All you have to do is pay the minimum payment, THAT’S IT! I don’t understand why some people can’t follow that simple rule. Yes, I was a bit awry about the fees but I did it for the sake of my credit and guess what? I was JUST APPROVED for a $1500 credit limit with Capital One who DENIED me before I applied for this card. I don’t even need this card anymore, but as long as its open my score keeps going up and up. I recommend this card temporarily until you resolve your credit crisis.

    Thank you First Premier Bank!

  • Anthony

    FROM BEING DENIED TO APPROVED FOR $1500 CREDIT. WOW! I cannot believe the negative reviews here. A majority of these reviews are from those who failed to provide a correct routing number or are 13 minutes later after the due date. Stop criticizing this bank, it is YOUR fault and YOU failed to agree with the terms, rate and fees. I have been with this card for 5 months and I have NEVER had a problem or had to contact customer support. This card helped me dramatically with my credit score.

    I had a debt on my credit report that belonged to a relative with a similar name. I was denied for every single credit card because of that debt. At that time my TransUnion score was 540 and no Equifax score. I applied for a First Premier Bank credit card and was approved after I had verified my identity with a representative over the phone. That representative was extremely nice to me, had patience and spoke very well English. A week later they sent me my orange card with my name on it with a $300 limit. I never paid the $95 processing fee. Since I had the card on hand I paid the fee with my debit card and the credit card was activated immediately. I contacted the credit bureaus and they removed that debt I mentioned earlier after sending them documents. I had a perfectly clean credit score with only a few inquiries.

    I started with $220 available credit since a $75 annual fee was deducted automatically and I registered an online account for a one-time $4.95 fee. Online statements weren’t available until a week later. My first bill came in two weeks later with a minimum payment of $30. I maxed out this credit card with only $3 left in credit, paid $100 with my debit card over the phone for FREE and was charged $5.65 in interest (36% APR). These fees were specifically on the terms and I was not charged for any additional fees within during the 6 months of use.

    Within the first 3 weeks my TransUnion score went from 540 to 610! Another week later my Equifax score jumped to 620! After 5 months my Transunion is now 690 and my Equifax is 680!!! All with just ONE secured credit card. All you have to do is pay the minimum payment, THAT’S IT! I don’t understand why some people can’t follow that simple rule. Yes, I was a bit awry about the fees but I did it for the sake of my credit and guess what? I was JUST APPROVED for a $1500 credit limit with Capital One who DENIED me before I applied for this card. I don’t even need this card anymore, but as long as its open my score keeps going up and up. I recommend this card temporarily until you resolve your credit crisis.

    Thank you First Premier Bank!

    • step from cali

      it wasn’t premier bank that caused your credit score to go up. it was that YOU got all the other false info to drop off your report thus, causing YOUR credit score to reflect what was correct. first premier is not really a bad company I agree with you on that, however if it was really trying to HELP people with bad credit their fees would not be so high. once you are approved you really only have around 75.00 you can spend on the card. and a bill is given within two weeks of that with interest added for all the fees THEY charged to the card, no grace on their fees. Just boom here is your new card and then bam by the way here’s the bill, thank you very much for letting us bill you, we look forward to charging you again. what they don’t tell you is as soon as you get the card you should pay it to a zero balance to avoid any interest charges and to pay all your bills from them simple a few days in advance of billing to as to not pay as much interest as paying once the bill is sent out.

  • Edward

    I just recently got 1 of these cards so what say here is really what happens with this card. I got the card bought $50.00 in gas and $87.00 groceries. A week later I logged in to their website and set up to make a payment from my checking account for the total balance including the $75.00 annual fee. The payment was scheduled for the next day. Electronic draft from my checking account. Should be pretty easy and fast… Fast… not by a long shot. The money was gone from my checking account the next day as expected. However they said it could take 3 to 5 days to show up in the First Premier Bank credit card account. Didn’t even happen after 8 days. I had to call them and then they said they had to call and verify it from my bank. So we did the conference call and went thru a bunch of questions and the 24 hours later the payment showed up in my First Premier Bank account. This is sad… So then I spent some more money on the card by paying my phone bill and some fast food. Anyway I have bill pay with my checking account bank. Normally my bank does an electronic funds transfer but First Premier Bank will not do this. So then what my bank’s bill payment system does is issue a cashiers check which is guaranteed funds to the payee First Premier Bank. So the check is good right no worries there. After them having said check and cashing it they said they had to wait 25 for the check to clear. This is where they lied and the lady I was talking to at First Premier Bank admitted to what I suspected. I said “this is a scam right? I mean I know for a fact that the check they received was a cashiers check and guaranteed. And yet you need 25 days for it to clear… What?” So even after using the guaranteed check / funds the only way you can get it credited to your account sooner is to call customer service and have them call your bank and verify that the check did clear on your side. The scam is that they make it hard to pay them so it delays and gains them interest and if it’s not credited to the account on time then they have late fees. So this pushes you to the payment by phone that includes an $11.00 fee for an expedited payment. I have never seen such abuses and fully expect to see some kind of legal action against First Premier Bank in the future. This has been my experience in the last month or so July 2015 to end of August 2015.

    So if you do get this card beware… they try from many angles to get to pay fee after fee so to keep that from happening be prepared to first make a payment wait 5 days and then have to customer service and then conference call with with your bank to get the credit for the money they already have but to be a nuisance they make you go thru this phone game or you will surly be late since it takes 25 days for them to process guaranteed funds. I know I’m sorry I got this card… This can’t possibly be legal?

  • Treva Smith

    got this card in 2013. used it 3 times, one big purchase due to all the fees I was finally able to pay it off at the end of 2014. I ultimately decided to leave it hoping it would increase my credit score and didn’t make any purchases but still made the minimum payments after 5 months I noticed the balance was only increasing and not by some change by the $100’s. I called several times and finally spoke with someone I asked why there were so many charges on my account they said it was late fees, service fees, monthly fees, processing fees, etc. I told them I’ve never made a purchase in the past 6 months so I don’t understand how it can be late if I’m making the minimum payment they said if I don’t pay in full it’s late. bam! $80 late fee. my credit limit was $600 I asked them to close it they said I had to pay in full for them to help me and had to have a balance of zero dollars for 30 days (impossible with monthly service fees). I let it go and currently owe $1100 they still refused to close it even after 8 missed payments just so they can rack up the amount owed. this is an awful, awful credit card. beware! I have 2 others that I’ve had for the same amount of time with no problems. trying to dispute the charges with the collection agency to show that nothing was charged on my end for over a year. if I spent the money I would gladly pay it back but I didn’t, it’s $1100 in fees. it’s currently in collections and every week they report to the credit bureau as a missed /delinquent payment, I know because capital one sends me an email about a change in my credit score. They’re out to ruin people’s lives and make money, not help anyone.

  • Treva Smith

    got this card in 2013. used it 3 times, one big purchase due to all the fees I was finally able to pay it off at the end of 2014. I ultimately decided to leave it hoping it would increase my credit score and didn’t make any purchases but still made the minimum payments after 5 months I noticed the balance was only increasing and not by some change by the $100’s. I called several times and finally spoke with someone I asked why there were so many charges on my account they said it was late fees, service fees, monthly fees, processing fees, etc. I told them I’ve never made a purchase in the past 6 months so I don’t understand how it can be late if I’m making the minimum payment they said if I don’t pay in full it’s late. bam! $80 late fee. my credit limit was $600 I asked them to close it they said I had to pay in full for them to help me and had to have a balance of zero dollars for 30 days (impossible with monthly service fees). I let it go and currently owe $1100 they still refused to close it even after 8 missed payments just so they can rack up the amount owed. this is an awful, awful credit card. beware! I have 2 others that I’ve had for the same amount of time with no problems. trying to dispute the charges with the collection agency to show that nothing was charged on my end for over a year. if I spent the money I would gladly pay it back but I didn’t, it’s $1100 in fees. it’s currently in collections and every week they report to the credit bureau as a missed /delinquent payment, I know because capital one sends me an email about a change in my credit score. They’re out to ruin people’s lives and make money, not help anyone.

  • Christy Peters

    Hi everyone on on this blog they say experience is the best teacher and i can boldly say that it is a statement of fact. Everyone talking about the blank atm card so i decided to give a trial to a company i saw online and in less than a week it was delivered to me and am able to make a cash withdrawal of at least $5000 in a week. It really works and i got mine from bestatmhack01@gmail.com or +2348141593363. You should try this out its amazing

  • Chris

    Recently, First Premier closed my account of 12 years($250 Limit) due to identity verification. It all started b/c I contested fraudulent charges on my account. While I battled this issue, First Premier new account of 2 months($700 Limit) they froze my account b/c I paid $200 dollar(made three payments within short period(90 days)…They wanted proof of authorized ownership of my bank account. So in the last month, First Premier has managed to freeze over $1000 my of my credit.. I would advise anyone to leave and get a better card like Capital One as soon as their credit improves. I subscribed to Credit Karma and their active closure of account have instantly shown up. Therefore, decreased my utilization score preventing from me moving on..
    Best of Luck..
    Chris