Get any other card. DO NOT GET THIS CARD. WORSE CARD IN MY LIFE
I’ve had this card for a little less than 10 years. They are the absolute worse company. ZERO stars times 10. If this is a “good” company, respects its customers, especially the ones that pay on time (aka ME), why was my available balance stuck at $700? My credit score is higher than this balance! After having an issue with them deducting $50 when the balance was already addressed, I called customer service. I didn’t appreciate that experience either, it sucked. How does a company continue to deduct when you already met the balance? The customer service person said I could just use it on my next purchase. No, I made them mail me out a check for the overage. It was not until I made a review that they begin to offer an increase which they charge an interest fee on. It’s absolutely does not benefit the customer in any way and is quite frankly stupid. I don’t use the card at all anymore but they continue to charge $8.25 per month. This is a joke. Once I get an increase on one of my other credit cards, I’m done with them. The worse waste of time! Do any other card, seriously. Myself and others have already sacrificed money and time.
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Could be better
The app currently has minimal service options . Like u can not get nor see a digital version of ur credit card even after your physical card has been delivered and activated . Payment options aren’t rounded out correctly as far as I can see . I have credit protection and notifications of credit transactions turned on . Yet I have received no notification’s of any of my purchases and I’ve had to constantly refer back to the app which takes a full business day to update . So if I spend 100$ today it will show that I spent it but it will not give me the option to pay it that day . I thought it would be more up to date as far as refreshing current activity and notifications. Also the 95$ fee I pay that’s “ credited “ to ur account is never credited but deducted .
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Good for building credit but that’s it.
I’ve had premier for years. I had very poor credit in the past. This was one of the few cards I was able to secure. Actually I paid $300 to get the card and that was the limit on the card. I only hang onto the card because it’s one of my oldest accounts. The monthly fees are a pain. The limit is so low so there isn’t much you can do with it. I now have a credit score over 700. I don’t have much use for the card. I mainly use this card when going to eat out or to buy simple things. So if someone gets a hold of this card I know they won’t get but so much and I can handle the loss. If you are trying to build credit, this is a good option. This card is not for those with established credit.
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Misleading
It says to pay your program fee with a debit or credit card to use your credit IMMEDIATELY. It then says payment by check may take longer. So I paid with my debit card and what happens? I can’t use my credit card and the lady tells me it’s because the payment hasn’t posted/hasn’t been processed. WITH A DEBIT CARD?! Then she says it won’t be opened until the next or possibly following day. I’m sorry but that is NOT the definition of immediately. It doesn’t say anywhere on any of the websites or paperwork that you’ll have to wait to use your credit card. It’s splashed all over the website and paperwork that you can use your card IMMEDIATELY when using a debit or credit card. Now I can’t even use my card until god knows when and my $100 is tied up after bombarding me with a MILLION messages to pay the program fee. And then after I talked to a VERY unhelpful representative who just told me “You’ll just have to wait.” Don’t tell people they can use their card immediately by paying with a debit card and then make them wait. That’s false advertising.
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First premiere Bank
I got this card about 5 years ago. I actually got two. They started with $300 credit limit. I worked up to $700 on one and $1000 on the other. At the time I really needed to build credit and the $79 yearly fee was worth it. I was able to get my credit up to a higher score than I have had in years. Of course, I hadn’t tried to get credit since my divorce because I didn’t think I could ever have credit again after what I was put through.
I used these cards for small amounts or emergency cash advances and paid them off quickly. I have paid the $1000 card off and closed it now. I still have the $700 card. It has maybe a $70 balance. I’m trying to decide whether to keep it or pay it off and close it before the $79 is due again.
I recommend anyone who has low credit and needs to build it quickly to buy a car or anything that most people have to buy with payments. It’s worth it because they report quickly and raise credit limits without credit checks. These cards helped me to get some no fee cards with lower interest and higher credit limits. I’m able to buy things I need now. I hahvve paid off several things I needed and I could never have done any ge
I used these cards for small amounts or emergency cash advances and paid them off quickly. I have paid the $1000 card off and closed it now. I still have the $700 card. It has maybe a $70 balance. I’m trying to decide whether to keep it or pay it off and close it before the $79 is due again.
I recommend anyone who has low credit and needs to build it quickly to buy a car or anything that most people have to buy with payments. It’s worth it because they report quickly and raise credit limits without credit checks. These cards helped me to get some no fee cards with lower interest and higher credit limits. I’m able to buy things I need now. I hahvve paid off several things I needed and I could never have done any ge
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Been there for me since I opened an account
This company is very good for people whom just getting back on track from a bad credit situation this company gave me that chance, kept me on a good budget and as long as I made all my payments before due date: they offered me increase in credit and even when prices/% rates went up: they kept me at a good percentage because they actually went by my always making payments before due date, and made more than minimum payment This is a good, honest credit card company I thank them for staying at my side and never increasing my rates as went by their review of how I made payments before due date and more than minimum payment so kept my rate same Thank you again for sticking by my side for so many years and being a fair company whom judges THE RIGHT WAY vs increasing rates due to other reasons that have nothing to do with me or my performance I appreciate you!!!!! Thank you again
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First Premier Credit Card
I know and understand that when you’re trying to rebuild your credit you sometimes have to apply for a secured credit card and put money down for the amount of credit you are getting and other times you have to accept that the credit card will have a higher interest rate than if you had a better credit score.
That being said I’ve been watching the APR’s being offered to people with less than perfect credit scores and the fact that banks are charging 30% APR and sometimes more does not help their customers rebuild their credit scores, because what the banks are doing is actually setting their customers up to fail because the balances owed can take the customer years to pay off.
If the banks would lower their APR down to the 20 to 25% APR rate then their customers will be able to afford to pay more than the bare minimum so they can pay off their debt without struggling with making ends meet at home and pay their bills and afford food.
That being said I’ve been watching the APR’s being offered to people with less than perfect credit scores and the fact that banks are charging 30% APR and sometimes more does not help their customers rebuild their credit scores, because what the banks are doing is actually setting their customers up to fail because the balances owed can take the customer years to pay off.
If the banks would lower their APR down to the 20 to 25% APR rate then their customers will be able to afford to pay more than the bare minimum so they can pay off their debt without struggling with making ends meet at home and pay their bills and afford food.
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Started off shaky
But once I realized it’s better to call to pay my balance than doing it online or through the app things have been much better. It’s not perfect but honestly I like this card. The fraud monitoring is actually top notch like with my USAA account. Honestly, I get Premier First really needs to update their app and allow for faster payments. It shouldn’t take 21 days for your availability credit to be updated, but again just call. At most it will take two days if done on the weekend or after 5pm. My Fortiva Credit Card allows me to pay through the app and my credit updates within 24 to 48 hours. Outside if that I’ll stick with premier first for at least another year
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I highly do not recommend
I highly do not recommend this card company they prey on people with less than perfect credit. I actually had 2 credit cards with them, I lost my job, and was making the minimum payments as advised on my statements on both cards. I received a notification that one of the cards had been closed at my request. I contacted premier bank card, and the representative told me he didn’t know why the card was closed, but could I speak with customer service after I paid my past due balance and I could request to have it opened back up. Also he notified my card was closed on the 7th of the month which was 5 days before my due date. If you cannot afford to pay your credit card in full each month this is definitely not the company for you. They are making their money off of the people who can’t with their astronomical fees and high interest rates.
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It’s an OK card for a beginner
I’ve had a first premier credit card for several years. It’s a nice car for a beginner. However, the interest rates are high and all the years that I’ve been with the company I’ve never gotten a credit increase despite my credit score being excellent, however, they tried to offer me a new card with higher limit, I read a lot of reviews on first premier and I agree they need to step into the new age of 2023. I’ve never had a problem linking my bank account or paying my bill and I paid through the app and the online platform. I bank at US Bank and SoFi and that seems to work fine.
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