Leave a Review PREMIER Credit Card
Predatory Lending
Just received a pre-approved credit card offer in the mail. I’d like to warn anyone who is considering using this lender to read the fine print. Their credit card has an annual interest rate of 36% (the highest I’ve ever seen) AND annual fees that add up to $225 a year. Needless to say, I will NOT be falling for this trap. If you’re building your credit, just snag a secured card from Discover. They’ll refund your deposit in six months, convert your card to an unsecured one and up your l credit limit. I am currently paying ZERO annual fees with them, have a 22% interest rate and a credit limit that is four times higher than what First Premier Bank is offering. Absolutely nobody with common sense should be going with this credit option.Show lessTimyantz
App doesn’t work, High Fees, not worth it
Granted this card came to me in a moment of hard times but I would’ve gone without it if I knew all the crap I would’ve had to deal with because of it. The app does not work ..it leads you to some site that does not even work and is not touch friendly. The fees I have received from this card are ridiculous including the interest every time I even use the card it charges me a purchase interest fee. One time I paid my bill and right away it took my annual fee so my payment nothing. Just really a disappointing waste of time. Not to mention the high fee it cost to just have your payment be immediate and not be held for 20 days. Do yourself a favor.. Choose something else.Show lessThe REAL Truth About Brigit
New Card Holder Review
Premier Credit sent me an offer to apply for for an unsecured credit card that reports to all 3 major credit reporting agencies and helps build your credit. I have now has the card for two months and so far everything they stated has been true. I am very happy with the customer care and ease in reviewing my transactions and balance due. If you are looking for a chance to raise your credit score and better your life, this is the card to use!Show lessKickass Game!
When no one else would give me a chance
Thank you so much for allowing me to have a smalll credit limit with you to establish credit for myself to be able to build my credit. Since I have gotten this card I only make one purchase a month and make sure it is paid off on time no matter what. Since opening a acct with capital one had given me a card also. Life is good today and I will not let myself down by falling behind on a payment at al. You guys have saved my credit!!!Show lesskk2hot
Taunta
The interest rates are over the top in addition to that I have a second card with them and why do I need 2 cards? Why can they not be combined because with the two cards every year I get charged a yearly fee so my goal is to pay the cards down and get rid of them and I would not advise anyone to take this card. When I initially got these cards my credit was low but I’ve never been late I’ve paid on time and I’ve asked repeatedly could you please combine the two cards and they say no we can’t do that. So what that says to me is that this is not a company that’s interested in the Consumer this is a company that is taking advantage of people who were trying to rebuild their credit.Show lessTaunta1214
I love you yall
I just wanted to say thank you for giving me a credit card it is my first one ever. In respect to your company giving me a chance to prove myself and establish credit I thank y’all. I will make this my priority to pay first on or after the 3rd of every month. This has helped me to since I’m disabled and only have a set income. There’s people like me who deserve other chances. My credit has been messed up since the late 80s to early 90s because my Dad took it on him self to use my name on Gas and water bills electric bills and I was only a teenager or less back then. So thank you FIRST PREMIER for giving me a chance to prove it to you.Show lessSuPaTY1990@1990
Too many fee!
I find it very unfortunate because First Premier Bank primarily focuses on helping customers with bad or not so favorable credit issues, they select to charge them so many fees. For instance, there is a $12 monthly fee which adds up to $144 along with a $79 yearly fee that members of with this card are subjected to. Very unfair because of past credit negligence. Because our credit scores isn’t desirable don’t mean we should be treated so unscrupulously by credit lenders such as First Premier Bank.
I’m also very thankful that First Premier Bank was willing to take a chance with me and others who didn’t or probably still don’t have a desirable credit scores. But because of the fees along with very high interest rates, despite concerted efforts by some of us to show our desperation to do better to improve our credit scores is my reason for giving First Premier Bank 1 Star on this reviewShow lessPackman92
Delayed Transactions Posts
Would give this a 4 star but waiting days for expenses to post to your account is just a pain. I just end up doing the math, guess-timating what I owe and post the payment. I was told by several reps my payment isn't due yet, but the app does not do a good enough job to reflect that. So what I do is pay way ahead of time even though the app says payment isn't due yet nor reflects accurate information compared to other major credit card companies. I'm just using this card to rebuild my credit and move on, because the sign up and annual fees alone are not in my best interest, to say the least. My advice to other users, keep track of your expenses elsewhere, pay up usage 2 weeks in advance and move on to another company before you loose your card or 1yr is up before you get hit with major fees!Show lessus3rsnam3
Developer Response
Hello, thank you for sharing your experience with us. I’ve forwarded your feedback to our developers regarding real-time updates. We are always looking to improve our mobile app, please keep an eye out for future updates! – JenRipping people off and not stopping
Just stop you are rich already off all the ridiculous fees and monthly fees seriously $12 each card per month fee on top of interest and forgot to mention a annual fee that’s insane not to mention your interest fee is more then anyone’s in the world literally get it together stop treating your customers like nothing. Change and maybe people won’t hear that’s it’s a trap for bad credit holders or even worse just bad for everyone.Show less333 is unhappy
Card - friend or foe?
The card availability is a blessing and it’s features are nice- lets start there. The headache is when you’re attempting to use it and have to enter a PIN number as if it’s a debit card! I was told it was for added security. (Won’t go there- but ok)
Now the app. You can’t see pending transactions. The lag time with posting the correct card balance is too long. Even if you know your balance owed is $100, you can only pay the balance it gives you even if it’s $20. You’ll see all of your transactions, but, your balance won’t reflect the same. I waited almost 2weeks to pay because I waited for a balance owed to update. That’s a headache!
Finally, every time I log in to pay my bill, it says I’m entering the wrong password- despite my having it written down. So resetting every month is now a necessary thing.
If First Premier can fix these issues might not be too bad...Show lessMrs. Plain & Simple
Developer Response
Hello, thank you for sharing your experience with us. I’ve forwarded your feedback to our developers regarding real-time updates. We are always looking to improve our mobile app, please keep an eye out for future updates. If you are still having issues with your password, please try changing your preferred authentication in 'Settings' to Touch/Face ID or Passcode for quicker logins. Thanks, Josh
