PREMIER Credit Card Reviews

by Timyantz

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.

by Packman92

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 review

by $$2021

I asked from the first day I received my credit card and several times after that for a payment date change. I don’t get paid on the 1st of the month. No notes were ever put in there system that I ever asked for a different payment date to avoid late charges. They say they record your calls but no one listens to them to verify what you said they just go by notes that aren’t always being taken.
Then you get charged a $30 late fee for not paying on time and they then tell you that now they can’t change the date when your over your limit due to the late fee. That’s terrible!!

by Danh2125

Any sort of problem causing a missed payment, will result in fees and interest charges that will leave you unable to ever bring down your balance again, unless you can pay it in full. I had a $700 limit that I had to use for essentials and after not being able to make a payment, my account is $242 past due and almost a $1000 bill now. This card is designed for people with mid/poor credit, because you have to keep making the payment that goes almost all to interest, just to try and keep a good credit score. I refuse, until someone reaches out from premier and explains why my balances are so absurdly high when I haven’t used the cards in months and have strugggled with money during the pandemic. Dont recommend, use cash only.

by NVS44

First credit card by Premiere and first time using app. I set up bank information to make payments. Despite the payment posted to my checking the following day of payment. I called and was told the funds will not be available on the credit card up to 20 days. In my case she said the funds will available 8 days after payment was made (7 days after payment posted). I have another credit card and I use their app and once the money posts from my checking the funds are immediately available on the credit card. I prefer using apps to make payments instead of calling and going through the automated service. Only use PREMIERCreditCard if you make balance inquiry. Don’t bother making payments unless you’re okay with waiting up to 20 days to post.

by Show A Little Understanding

I got this card to build my credit. I had a credit union account that I was making payments from. For whatever reason the credit union did not allow the payment to go through. I did not know this at first, and paid another way as soon as I discovered the problem. Stupidly on my part, I used the same account to pay with the next month and the same thing happened. Again I immediately paid another way and did not use the CU account anymore to pay from. Because of the 2 payments not going through-even though I explained- they closed my account. I have paid it off and will not give this company my business again

by Ukeduke98

DO NOT GET THIS CREDIT CARD. There are no autopay options. I don’t get reminders to pay. I have paid more in fees to this company than my credit limit. This card is a joke. There’s a “monthly fee” you have to pay even though I specifically got this card to not pay fees month to month. They enjoy making you miss a payment to pay additional fees. The only reason that I have this card still is to not destroy my credit history as I’ve had this card for a few years. Absolute GARBAGE. Do not patronize this company. They are horrible, and they do not care about the customer. If they really wanted to help us, they wouldn’t destroy us with unnecessary fees and an inability to autopay (thereby paying MORE fees). They are horrible, I wouldn’t wish this on my worst enemy. Do not utilize their services unless you want to make your life worse.

App review - perfectly serviceable, not as good as Capital One or Discover. Both have WAY better customer experiences and don’t drown you in fees.

by No No Not Today

I’ve had my card going on three months now and pay my balance every month. Last month I lost my card when my truck got broken into and it got stolen. I called in to replace my card next thing I know there’s a $15 service charge on my account with no explanation as to why. It’s only listed as a balance transfer fee. I don’t have a balance on my card so why am I being charged a fee? PREMIERCreditCard is extremely hard to navigate and takes forever to update when I make a payment. This is a lot of hassle for such a low limit card. On the plus side, the tech-support folks are extremely nice

by Us3rsnam3

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 PREMIERCreditCard does not do a good enough job to reflect that. So what I do is pay way ahead of time even though PREMIERCreditCard 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!

by The REAL Truth About Brigit

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. PREMIERCreditCard 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.

by Gregyfujvfhn

Simply using this card to continue building my credit, however, I had a recent issue with my balance owed, and wanted to cancel, and was hung up on by the SUPERVISOR. Very unprofessional. Despite my confusion, I still wanted to pay the balance but continue with the cancellation, and no one was patient enough to offer an explanation as to why I owed so much. Was given several different numbers by different agents, adding to my confusion, and was not able to reach a solution, so they hung up on me. I run a few businesses, and wish I could hang up on my customers as a resolution 🙄 If PREMIERCreditCard showed current transactions as they were made, instead of delaying, this could have been avoided.

by Taunta1214

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.

by Mrs. Plain & Simple

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 PREMIERCreditCard . 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...

by Geminiqueen9109

I just read some older reviews about this card and they similar to mine. PREMIERCreditCard isn’t user friendly at all. The layout is weird and why does it take so long to update your balance, or show pending transactions? Oh and what’s with the pin request thing at the register? It’s a credit card.

I’m very grateful for the company giving a chance to build my credit but why all the fees? People with bad or rebuilding credit should not be charged with so many fees. I had to pay you a $95 processing fee then you charge me the $79 yearly fee right after. I already you almost $100 and I haven’t even used it.

Seeing how those almost 1 year old reviews are saying the same thing I’m saying now, it shows me how much the company cares.

by Nonnnie88

I love using this card, it takes payments early so you have a mount available when you need it sometimes you need a credit card and not the cash so this is a great feature and I love that you can check your balance is on your phoneIn the mobile Also im brand-new to the card and I see that there are a lot of perks and looking forward to using the cash back ones

by 333 Is Unhappy

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.

by Kickass Game!

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!

by *~matt~*

I can honestly say that I’m someone with previously horrible credit from my twenties i had some bad decisions with credit back then but ever since I applied with first premier bank kept my balance below 10% and payed my entire credit card balance each month I have earned Awsome credit it’s now 742 and that 3 years of work this is a great card to rebuild your credit!! 5 stars from me the only down side is a monthly fee.

by Kk2hot

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!!!

by KoolGrandma

I am a new customer who read the reviews before selecting Premier. I set an amount each month to make purchases with my card and then reminded myself to make the payment 2 days before it’s due. I clear the entire bill. As a result of this, I am receiving offers from companies to increase my credit amount - no thank you. If your goal is to increase your credit score, don’t do it. Repairing your credit will not happen overnight. I’m hopeful and know that good credit can open many doors!

by Davis Boy

I’ve been using FPB for a couple of years now, PREMIERCreditCard has always been trash. It’s gotten worse especially with this update/forced migration, I’d cancel this card just based on the inconsistencies of PREMIERCreditCard. Once I get another card I’m out!

by Bcharlestx1

After working myself 2yrs to fix my own credit CHASE said try them in 3mths they closed my account 2 x for no reason they could explain cost me 47 points for their f up service. No one can ever tell you anything and you are always under REVIEW with them . Past them up go CAP ONE !

by Whytry2talktoyoupeople?

PREMIERCreditCard is only good for checking the balance. It tells you when the payment is due; but, not how much the minimum payment is. It will not let me put my bank account in the system for payment. Every time I try, it puts a “phantom” character in that make the entry invalid.

by NaCurrie

The update was horrible. I have called customer service 4 times to access my online account. I reset the account only to have to go thru this process again and again and again. I am beyond frustrated 🤬🤬🤬 The update to PREMIERCreditCard made it less user friendly. I cannot express how much I hate PREMIERCreditCard.

by Rkwalters

The old app was clunky but this one is designed to screw you over. You can’t pay multiple accounts on the same day. When you try to add a payment for a another date on the same day well yeah it doesn’t go to the proper account. Just try to get things in order when you find out your payment wasn’t really made. Time to yank this monstrosity until you can fix the problems.

by Ryinan

The new app for my card just came out and it’s just like the old one don’t work like it should might just have to pay off the cards and shut them down instead of dealing with this bs
Worse card app I have!

by Sylrod84

Had my account closed! Supposedly Because payments that I made while using PREMIERCreditCard didn’t get credited to my account. I was told I had too many returned unpaid payments because of it.
Which is not the case. Was NOT a bank issue was PREMIERCreditCard .
Payments I payed online and on the phone had no problems just the ones made through PREMIERCreditCard .
Very frustrating and upset since it affects my credit score negatively.

by Dallas - Texas

Bring back the old app. Fire the responsible parties for this disaster of an app.
Truly a piece of junk.
I’m going to have dust off the laptop and go through the Web site, but I changed my mind.
I’ll just keep calling their CS & wasting their time. CS is always nice and polite. CS cannot set up autopay. You MUST go online to do it. I’m telling you DO NOT waste you time. CS said I had a $40 credit - oh yeah? Prove it because you sure as h e double hockey sticks will not be able to get a list of transactions. Lastly, you must choose a “color” for viewing your card after login. Dumbest thing ever.

by Jnorri

I like the idea of modernizing an app, however, in doing so it should have all of the same features as before with new ones added. I don’t see that here. I still can’t make a payment with debit card through app, and now the transaction history is obscured or at least I haven’t figured it out yet. Will update review in future but two stars is all I can give on initial use.

by Humpedthedogripoff

Had 2 cards with first premier and been using it for quite some time. Ripped off my credit score by closing my 2 credit cards with them without my knowledge and claimed it on my credit score that it was on collections/charge off WITHOUT TELLING ME. And mind you, i have been paying them consistently. 🤦🏻‍♀️

by The One N Only....danny

App is not working for me it keeps loading and loading

by Ernie Blanco

I have two cards. It would be great if PREMIERCreditCard would allow you add and access at least two accounts. Even if for a small fee.

by ShortStop21

I love the new look of PREMIERCreditCard . They finally caught up with the times. Still not convinced on making a payment through PREMIERCreditCard . Looks like they don’t immediately draft the payment. Maybe down the road there can be spending limit feature and receive notifications on it. Also, if possible, if they can update the phone payment to be quicker without so many questions. Great job though!

by J Holmes13

The new app is nice. Never have any issues. Would like the option to pay by debit card online for one time payments. Not a big fan of having my account number stored online. That is the only thing I would suggest as of now