firstpremier.comReviews of firstpremier.com

This is a horrible idea as a first credit card.Instead of building my credits they ruined even worse.Interest rates are extremely high.DO NOT GET SCAMMED!

If you're looking for a credit card that is strictly for credit buying only with a $30.00 cash withdrawal once a year then this card is for you. They only allow you to get a $30.00 cash withdrawal once a year no matter what your balance is and for some reason it's a mastercard that IS NOT accepted everywhere and customer service is a joke, here's a little example of their customer service... Me: Hello I have a problem with my card C.S.: that's to bad sir, pay your bill or we'll destroy your credit, have a wonderful day

Very long time to reach a customer service. I been waiting 30 plus minutes and still no reply.

Had this card for several years and it was OK for rebuilding credit. The credit line was extremely low compared to other cards I have. Credit limit increases cost you 25% of the amount they approve you for. Called several times to cancel the card but was transferred to another department and call disconnected every time. Also an $8.00 monthly fee for the extremely low credit line. I would avoid this company!.

Predatory company. I got this card when I had bad credit and couldn’t get approved for anything else. I get that these cards with monthly and annual fees are predatory, but I also get that I had no choice when needing to build credit, so I don’t fault them for that. However, I called yesterday to cancel my cards now that my credit is better and I was able to qualify for much better credit cards with rewards and no fees. Despite telling the agent this, she kept trying to scare me by telling me I’d negatively impact my credit by closing the card (it’s a lie and myth that it’ll impact the age of my credit). I repeatedly told her I knew the annual fees wasn’t refundable and that my utilization would be impacted by reduced credit limit but that I was able to manage that at this time. I also told her saving on the monthly fees was more important. She argued back that the monthly fees was the payment activity helping my credit. I did not appreciate the constant games she was playing trying to scare me into keeping cards that no longer had use for me. I now have a good credit score and don’t need this card’s help. Thankfully I’m educated, but the agents lying and manipulating people who try to call to cancel could really harm people’s finances. When I called to cancel my Concora Credit card for the same reason of the monthly fees, I was treated much better and she simply accepted that my response of the monthly fee being an issue I no longer needed to deal with made sense for me. If a card with fees is your only option at the moment, I’d look at other options other than First Premier as they will try to scare you into staying and take advantage of you.

I applied for this card and was approved. They asked for my banking information on the application. My first bill came in and I paid it in full as I do all my bills at the end of the month and it was around $740.00. Because I did that, they suspended my card. They said since I sent a "large amount" they had to verify it through my bank where the payment came from. The very SAME BANK I used to apply for the card. I sent the payment on the 3rd of the month. On the 10th, the money was deducted from my account. By the 20th, I still had a suspended card. I called again and they said the card would be available by the end of the week. It wasnt, so I called again and got the same answer, "by the end of the week" this happend 3 times. Now Im frustrated and call customer service a fourth time, and this time they stated that I needed to send them a complete copy of my bank statement to verify the bank, the SAME BANK I used on the application, I used to make the payment. So, I sent a snapshot of my statement of the payment from my stayement to Premier Bank. Now, its about a month since I made my payment so I called again asking why my card was still suspended. They stated that what I sent, the snapshot with my banks name and account number, and the payment made, was insufficient. They wanted my whole statement. I said I was not going to send them my whole bank statement and that I wanted to cancel the card and have my fees they charged my credited back to me because I felt I was scammed. DO NOT apply for this card. They will charge you fees, then suspended your card so you can't use it. The only thing I gained from this card was I am out the fees that I paid. I have several other cards. NOT ONE TIME was I ever asked to also provide my "Bank Staement" for making a payment. What a waste of time.

I have multiple cards...once have ability to settle...this would be first to go....along with merrick card. they marked me late ...for all the 7+ yrs of on time pymnts...had storm...our vehichle was locked in blocks of ice.. and then broke down twice...not to mention having death if loved one ...they wanted to initially charge me $500...other cards with same credit line . ..wanted minimum oymnt...no late fee...and did not mark me late but had human compassion...I guess this company forgot they are dealing with people that is going through horrific situations.. So if you want to be treated as intrest earned and capitalized.. used and abused to the Max level...make sure you apply for this card

I made 1 payment one day late. Charged me $28 late fee. Then I made an early payment for the next month. Now, and still although both payments have been credited to my account, I am still waiting to have it show available in my account. It has been 13 days today since I made the last payment. I understand it may take few days to ensure payments go through, but to continue to hold the payments this long is ridiculous. Their solution is to make a debit card payment over the phone. They say the payment will be available within a day if I use the debit card. It should not take 2 weeks for an already credited bank payment to be available on my account. I realize this is a card for people with poor credit, but they are taking advantage of people who are actually trying to get their credit score up and to have something to use in emergencies. Usually, I try to pay this card off as soon as possible, but sometimes I can only make a payment. If you get this card, be aware they will charge you almost $100 a year to have the card that has $300 credit on it. It is almost useless.