firstpremier.comReviews of firstpremier.com

First Premier Bank issued me a credit card, designed to assist with building my credit. This institution imposes numerous upfront fees, approximately $200.00, resulting in an immediate payment of $30.00. Based on my experience with credit card companies and banks specializing in credit building, First Premier Bank appears to take advantage of individuals seeking to establish or improve their credit, often without their knowledge. Various credit products and cards are available to help consumers enhance their credit profiles with more favorable credit limits and lower fees. I find it surprising that First Premier Bank continues to operate in 2025, charging numerous fees. I strongly advise against using First Premier Bank's services.

NEVER GET THIS CARD. They are the worst credit card company in the history of the planet. If I could give them negative 5 stars, I would. They do not deserve to be in business. They charge monthly fees and the highest interest rate of 36 percent. They charge you $25.00 to increase your credit by only $100.00. They do illegal things also, like increasing your fees when you close the credit card if you're past your annual month. This credit card company should be closed and never be allowed to do business. I advise everyone not to apply for or open an account with this credit card company; you will regret it.

This is the worst credit card company I’ve ever dealt with. Their advertising says their mission is to help people like me improve my credit. They send unsolicited offers of credit for a pre approved $1500 credit line, however, they have never opened an account for a new customer with a credit line of that amount. They take advantage of already marginalized people and communities in need by offering OUTRAGEOUSLY expensive credit terms with no long term benefits.

I purchased a home warranty policy from First Premier in April 2024. The compressor on my refrigerator went out and I filed a claim with the company. The company denied the request stating that they did not cover "systems". I sent them a copy of the policy that I received when I purchased it back in 2024 and the policy clearly states: C. Refrigerator Note: Refrigerator must be located in the kitchen. COVERED: All components and parts, including integral freezer unit, except: NOT COVERED: Racks; shelves; glass; handles; doors, door seals, hinges, and gaskets; Freon; disposal and recapture of Freon; ice makers, ice crushers, beverage dispensers and their respective equipment; water lines and valve to ice maker; line restrictions; leaks of any kind; maintenance; interior thermal shells; freezers which are not an integral part of the refrigerator; wine chillers or mini refrigerators; food spoilage; They claimed they were denying the claim because they do not cover sealed systems. I told them that it was not in the policy when I purchased it. They sent me a copy of the policy that stated: C. Refrigerator Note: Refrigerator must be located in the kitchen. COVERED: All components and parts, including integral freezer unit, except: NOT COVERED: Racks; shelves; glass; lighting; handles; doors, door seals, hinges, and gaskets; Sealed systems; Freon; disposal and recapture of Freon; ice makers, ice crushers, beverage dispenser…… Note: Refrigerator must be located in the kitchen. COVERED: All components and parts, including integral freezer unit, except: NOT COVERED: Racks; shelves; glass; lighting handles; doors, door seals, hinges, and gaskets; Freon; disposal and recapture of Freon; ice makers, ice crushers, beverage dispensers and their respective equipment; water lines and valve to ice maker; line restrictions; leaks of any kind; maintenance; interior thermal shells; freezers which are not an integral part of the refrigerator; wine chillers or mini refrigerators; food spoilage; noise without a related mechanical failure; multi-media centers and internet connection components. I told them that it was not in the policy, and I never received anything that stated they were updating the terms of the agreement. Then I was told that it was always there, so I sent a copy of the policy I had and told them no it was not. At that time, I was told it would go to under writing for approval because the female technician I spoke to clearly saw that the policy had been changed, and she would be in contact. I call 4.29.2025 because no one called or reached out to me and the technician comes back to tell me the claim was denied due to the compressor having Freon which makes no sense at all. They basically found a way to deny the claim.

Do not waste your time or effort on giving first premier any money. Worst card I ever gave my money too. I received this card over 5 years ago. In 2023 the card expires but I never received a new one. I faithfully paid my balances and after the card expired I locked the card because it made no sense for charges to go to a card that wasn’t being used because it was not in my possession. I never received the new card even after I updated my address just in case they sent it to a wrong address. Still charged me an annual fee of $75 but still no new card! Never received my deposit back even after making account payments on time. Locked me out of my account so I was unable to pay the annual fee yet again for a card I still do not have in my possession and hit my credit for 100 points on late payment. First Premier has never corrected the issue. Please don’t believe the 4.7 review or the inflated number of people on the App Store who were paid to write good reviews, check yelp, Reddit, consumer review, just to name a few. This card is a 1 star rating on those apps. Do not waste your time. I plan to speak with lawyers for damages and lost wages!

THE WORDT CARD IN THE HISTORY OF CARDS!!!!! I HIGHLY RECOMMEND EVERYONE STAYS AWAY. The interest rate is completely absurd. This is a card you will never get rid of unless you cancel it I’ve paid my card in full and now owe $32 dollars of interest… Not only that but to decrease what you owe is nearly impossible. Save yourself the devastation & apply elsewhere!! You will NOT appreciate or enjoy having this card. Thank me later!

In short, they're absolute scumbags, their fees are incredibly egregious and they'll harass you non-stop if you've fallen short on a payment, I received over 20 phone calls in less than four days from them. I had to submit a complaint to the Ohio Attorney General, the Consumer Financial Protection Bureau, and the Better Business Bureau, just to get them to stop calling me.

They certainly don't answer the phone