First Premier Bank
reviews and complaints

After reading multiple reviews and personal experiences shared by customers, it is evident that PREMIER Bankcard falls short in providing satisfactory service. Customers have reported issues with disputes, unhelpful customer service representatives, high fees, and poor communication. One customer mentioned a significant drop in credit score due to a clerical error that the company refused to rectify after 17 years of loyalty. Another customer expressed frustration with the lack of assistance in resolving a purchase dispute. It seems that this company prioritizes profit over customer satisfaction. Based on the feedback, it is advisable to steer clear of PREMIER Bankcard for credit services and explore more customer-friendly options available in the market.

This is a REAL company that issues "fee based" credit cards for folks with prior credit problems, bankruptcy and other previous personal credit issues.

FEE BASED means that they issue credit on a limited basis and charge fees. Sometimes rather exorbitant fees. But if you're looking to re-establish your credit you might want to look into this. Two people that I know have these and they report your new credit and payment history to the credit bureaus. There is, I understand, an initial fee structure and the interest rate is VERY high so you would want to use your new card carefully. Apparently they start you out with about a $300 credit line. There are also some other fees as well. I suppose this is understandable as they are taking a substantial risk issuing actual unsecured credit cards to folks with prior credit problems. But it is a manageable way to re-establish yourself.

From what I understand, the online application process is simple, and you get your approval and new credit card within a couple of weeks. At least I have confirmed that this is a LEGITIMATE company (I've seen the actual credit card they issue and statement). This was a big help to friend who had a divorce and serious credit issues a few years ago. As always, proceed with caution as the fees can be rather nasty if you screw around with the card too much or max it out. But it is, as I say, a REAL UNSECURED starter credit card (no deposit required).

One of the worst card ever they are so sinistered I've been with them since 2017 I never missed a payment in 2020 during the height of the epidemic that I did not send me the bill in time I was late for one payment they were quick to report it to the bureau it's wrecking havoc on my credits report as negative entity I have disputed that countless time and always First Premier Bank will override the dispute and update the status as negative only one payment I was ready to upload the picture of the credit report to show everyone that for the last 7 years I have not missed a payment everything is checked only for one month in 2020 and that was first premier bank's fault not my fault and yet they reported as negative entity and I refuse to remove it if this not Sinister Act or act of hate what is it then I will be very careful to get a card from this establishment

My experience with a premier bank credit card was the worst by far my credit limit is $300.00 dollars but when the card declines it approved every declined that took me 17 days to wait on only for them to be approved and my card over the limit by 800 dollars I waited for two weeks for premier to drop those charges because, transactions were declined and no merchandise was purchased but no now my credit card bill is $1100.00 dollars because this card company is incompetent, I even called Menards but Menards however said that they have nothing to do with it and they only see the one charge that was purchased online back and forth for two weeks and yet now I owe money for Merch I never purchased smh. Worst credit card ever! Next my card only works for online purchases not in store purchases which is why my card was constantly declining.

Choose another card choose a better card, save yourself the headache because I’m ready to sue them for pinning money on me that I never spent.

This app could use a lot of improvement but my biggest pet peeve is that every single time I use this app, after I enter my log in information (which is correct), I still have to have a code sent to me in order to even access the app and my account details. This is so frustrating especially when needing to access the app quickly. When you go into the settings to try and change the log in to a passcode, it says this must be done in your phones settings yet there is no where to do this for the First Premier app. This isn’t the only place these codes are required to sign in, you as well have to do it when accessing your account through the First Premier website via the internet. I could see needing this code if you’re using a new device to log into your account but I have used the same device to access my account since I got my card therefore it’s not asking for the code because it’s not recognizing my device but rather just a requirement First Premier has put on that quite frankly they could do without.

I spoke to a woman named Lisa who was a supervisor and her number she gave me was 474 she was extremely unhelpful she did not help me with a single thing nor did she listen to what I was trying to tell her I am now very upset at the antics used by this company to put people behind I thought this company was used to better my credit instead I was told three different things by three different employees and Alyssa told me she would review the last call I made between a woman name Sherry and myself but she told me that she wouldn’t follow up nor would she do anything about it even if what I was saying was correct I would like whoever is higher up than Lisa the 474 number Lisa the supervisor to please contact me immediately so that I can hopefully find some confidence in knowing that this company will not damage my credit any further I am trying to use it to better myself not to put myself in a deeper hole please contact me as soon as possible area code [protected] my name is Jacob Lee Rodriguez and I hope to speak to you soon thank you so much for your time and consideration have a wonderful day

Idk what is going on. I made a payment, it never came out of my account. Normally it comes out pretty fast, but with the app update it comes out slower and slower each time. Last time I made a payment it took a week and a half to come out. This time I made a payment it never took anything out of my account. My other card took it out next day. Now my card is over drawn and I’m being penalized for their app not working. The worst part is it shows i made a payment.

So now I’m being charged a bunch of money because of a failure on their end to take the payment out of my account. There’s better cards out there. I’m going to pay this one off and find a better card because this is ridiculous. I made the payment but no attempt was made to take it out of my account. I had the money in my account and they failed to take it out, now I’m being charged all these fees because their system never took out a payment. If they need to update their app they better do it fast because this is seriously awful to fail to take out payments then charge your customers late fees out the butt. I’ve never had an issue with any of my other cards, just this one, and it’s only been recently that I’ve been having issues with it.

The Premier bank is one of the if not the best place to do business as you get treated with the most respect and like you’re family I’ve had some ups and downs in life recently was in a bad motorcycle accident where I was t-boned by a 17yr old kid I lost my foot completely shattered my femur bone which was sticking out my leg in 17 places which caused serious arterial bleeding which resulted me losing well over half my blood I underwent extensive surgery 4 blood transfusions I died twice on the operating table and was given a second and third chance at life so I am honored to be given a chance and opportunity with Premier bank card to be a member just wish it was a little higher credit limit but as I previously stated I’m greatly grateful for the opportunity for what I was given but with the way things are now it definitely could and would be useful to have like maybe $500.00 as I could utilize my expenses and stay afloat but I am hopeful that I can get a credit limit increase soon hopefully anyways enough of my yapping thanks for the chance and opportunity to be a part of the premier bank family I am truly honored thank you

Sincerely,Ron

(PS). Please excuse my lack there of punctuations and such

Save yourself and run the other way now trust me. I never take the time to write a review but with this I want to try and help anyone choose another option like Capital One or Credit One basically ANYONE BUT THEM! This entire process has been an absolute disaster. I have 4 months since opening. From the beginning forced to pay prior to even using card to now months down the line where I have paid several hundred and have never even used the card yet!

-95.00 Payment made after approval but prior to receiving the credit availability
99.00 Annual fee
-99.00 payment
30.00 late fee
-30.00 Payment
1.92 interest
28.00 late fee (different late fee amount?)
-30.00 payment
2.14 interest
2.13 interest

horrid time talking to customer service to correct the problems they could care less about me as a customer.
The navigation for my payment is terrible and automatically made it the next month which seems suspect to me but whatever seems like a fee can be added conveniently for them. The entire app is a joke good luck with that. Seriously I can’t even think of every thing that has got me this frustrated it’s just all added up they need to modernize the app first then allow automatic payments but then that would take money out of their pockets when the system is flawed and they benefit from several overlooked flaws!
Run now trust me!

Worst card I’ve ever had! I have less than perfect credit so I cant be picky, anyway my experience has been ridiculous with this card! Made a payment of 99.00 from my debit card, for whatever reason a visa verification failed, so I made a second payment of 145.00 2 days later from same card and it went through fine, checked the app and it said 0 credit available. So I called them and they said well you had a 99.00 fail because of verification and I needed to have my bank send them an explanation of why it failed. Called my bank and they said we don’t do things like that, just send them a copy of your statement and it should suffice, also said they would update my profile just in case! So got up next day and checked the app and low and behold the 99.00 payment went through but still said 0 available credit and my account was still suspended. Called customer service and they stated that i needed to prove I was the owner of the account to make my account active again! So I said you just accepted 2 payments from me but yet your still thinking Im not the owner of the account that is paying you! So if you think its fraud or suspicious why are accepting payments from me? That is fraud in its self! Garbage customer service! Do not apply for this card! Stay clear! They will flag your account for any reason anything,, it has totally screwed up my Christmas shopping!

I was loving my First premier bank card, I recently just got a line of credit so this is my first card and the only company that approved. It was going good. Until just this past month. I haven’t been able to use my card since the beginning of April because they never renewed my available credit after naking a payment. The app is no help because they take forever to update all your information, available credit, balance and any posted transitions to your account wether they are purchases or monthly payments. My credit score shot down 59 points! Because apparently when you pay your bill with your checking account it takes a couple days to post and then almost a week to post your available credit! Now your payment is supposed to be posted to your account within 2 business days but only IF YOU USE A DEBIT CARD! If you pay using your actual account prepare to wait all month to use your card because your available credit will never post and you’ll need up over using your card. Now my score has dropped and I got slapped with a late fee because I never knew my payment would post right away if I use my debit card but that’s such a hassel having to stop and call and go through an automated line when I should be able to do it on my app. The app is a waste of space on my phone at this point. It takes forever to log me in, my balances are never updated. And it barely shows you anything I think I will be closing my account with them soon after my score goes back up so I won’t be slapped with those terrible yearly fees they have

I have been lied to since the beginning of my business with this card company. And harassed. I have had their CUSTOMER REPS call me in Spanish asking for identification they already have. I never changed my language preferences. My brother passed away in January. 2 weeks receiving a receipt for my early paid dues. The next week afterwards they started harassing me with phone calls one call early morning hours on SUPER BOWL SUNDAY. Odd stuff. The harassment continued as I wrote them. I never received a reply for 3 weeks. I have been on time since I opened the account. Someone is skimming from the top. I paid early a few times only to be charged unexplained fees weeks later. I received information from credit bureaus that my account was closed for non-payment though I had. simultaneously I was receiving threatening phone calls trolling for more information. Still am. I pay an extra charge every month including this month called Premirr CREDIT PROTECTION PROGRAM which COVERS a multiple financial insurance possibilities. Including death. I was just rudely phished by them. With terrorizing undertones by a rep who would not identify the company or purpose of the call. Is this thief not monitored by the company Still can get no straight answer. I used this card mainly at a taqueria in the Fiesta store in Dallas Texas. A store which during the COVID PANDEMIC EMPLOYEES STOLE MY EBT CARD. This and other issues went unreported. Including a cashier bagging groceries for me that I did not buy. Obviously same crew is working this store and the Premier bank card.

Don’t get this credit card they will put you in debt and charge you a ridiculous amount of fees every month and if you have a big remaining balance they will charge you a crazy interest fee plus a yearly fee. I had a limit of $700 ...I had to pay to activate this card plus they took away the yearly fee and you end up with just $500 credit balance because they immediately take the monthly fee plus the interest. I just cancelled this card almost a week ago I paid the whole thing when I had the chance because they took $300 plus in just fees and interest charges, at the time I was just paying the minimum and every month it was a new minimum charge. I noticed I wasn’t going anywhere with this card while paying the minimum for a couple of months I would pay $43 of the minimum and they would take out $16.89 plus an $8.00 monthly fee and would be left with just $18.11 and these charges were occurring every month. I was trying to pay my card off but literally wasting money so if you decide to get this card I suggest you don’t have a big balance on it because you WILL be in debt for a long time until you pay the whole thing OFF ! It’s just not worth having a card that charges you $90 yearly plus a monthly fee of $8 and the interest charges when you can get a card that only charges the interest and not have to deal with any of this inconvenience. I was more than happy to pay this card off when I could because I was fed up with this cheap bank and their scams. Never again am I returning to this bank and it was a horrible idea to get this card but I learned my lesson.

I applied for this card under the assumption that I was “pre-approved” because that’s what I was told. However, upon submission I was prompted to pay a $90 fee to “secure my $400 credit limit” even though I was already told that I qualify, TWICE.
Reluctantly, I agreed to pay.
When I logged into the app to pay the $90 “fee”… to my surprise, it had raised to $95.

I paid the balance in two separate payments.
This was due to the false “pre-approval” narrative they gave me.
Expecting my account to become available, receive some type of account number; ANYTHING…nothing.
All I had access to was the last four digits of my “account number” and two weeks went by without any word from First Premier.
This was my first credit card and all my friends and family were starting to tell me it was “fake” this wasn’t even the real first premier, there are two separate apps and that I need to dispute it with my bank.
I spoke to my bank and they said if I wanted to go through with the claim, I had to submit more information and my “proof” by February 24th.
On that date, my card came. Unbeknownst to me, my original bank had already went ahead with the claim; without any further information or proof as originally requested.
First Premier immediately closed my account without giving me the opportunity to pay the money (which I offered and was denied)
I’m more than disappointed with this entire situation. I was approved for the same credit line with another company within days of opening this account and I didn’t have to pay anything to open it.
I would not recommend this card unless you can not get approved elsewhere and you’re desperate and don’t mind paying a fee to secure your credit

I will give a four stars. Because although you provide a good service. You are the highest sub-prime lender on the market. Why can’t you drop the interest to about 19.95% that is standard for a secured card. And why the $50 annual fee this is almost 2 times as much as any secured card lender. And how come you don’t give interest on our security deposit all the other competitors do. Because you guys make a profit on a daily percentage based on how much you have. Why do you get to make money on our security deposit. Then turn the other way like I don’t know what’s happening say you have $5000.00 limit. Did you know just the interest and annual fees come out to $184.17 and you still owe 5000 that’s your interest every single month just to bring it down to 4900 you will have to $280.00 guess what. Now you are over your limit after the next bill comes out because the 184.00 now you are at $5085.00. Now u have a overlimit fee just paying interest nowfalmost $300.00 just in intrestjust to be at a 5000.00 mark again you lost the hundreds next month over limit you have to pay the 180 that’s over plus the 180.00 that’s current that’s $360 and guess what you still owe $5000.00. Although you might see them as helping. do not use this card online for a real life emergency. Or you will be caught up. This company makes super profits off of money you give them up front. The ceo and executive last year took in almost 20million a piece as a bonus. But you can’t give us a little interest. Good service that’s why you get 2 stars only. Holding my check for 10 days when your policy reflects different. How sad. Emergency use only: take it from me. They will put you in collections and rip your life apart if you don’t pay.

The app itself is great! Features like Unlock with FaceID are super convenient, and overall it’s got a nice, smooth feel to it. I rate the App Five Stars.

With that said, I’ve been a little turned off by this company recently. Before signing up, be aware that they only accept payment by ACH, and payments take a while to post. There’s no, “Pay by credit card”, feature in-app, which I suspect is because of the associated merchant services fees. Let me be clear. If it was offered as an option, I’d eat those fees myself.

Especially when they also hold your ACH payment for at least 7 days after receiving it.

My final issue arised after my whole family got COVID in December, I knew I wasn’t going to be able to complete much contract work in the upcoming few weeks. So I did the responsible thing and made a $100 payment, when my original minimum payment was only $30. It was intended to cover January. Instead it was counted as paying on December, twice.

Simply put, it posted earlier than expected, and as such, I got a late payment on my January statement. My credit score dropped nearly 70 points as a result. Customer service removed the late fee, but an option to mitigate this in the future with, “Are you sure you want to pay on this month twice”, or a notice, or something… would be nice.

Just made another $100 payment that posted on the 17th (it is now the 23rd) but it still does not yet reflect my available balance. Is it bad enough to call them somewhat, “Predatory?” I’m not sure. I’ll keep watching, maybe come back and change this review.

And although I’m building back my own momentum, it’s possible that other people in my situation may not be so fortunate.

My advice to PREMIER: A simple check before submitting a potentially duplicate payment would be an amazing option. It would have solved me a lot of headache and credit score issues.

What a terrible update! It added a glitchy extra log in step to authenticate the user but it blocks you from logging in!
So you are in the app, it gives you a choice to have the new required code emailed or texted to you.
When I chose text it took so long to arrive the website would reload while waiting, this would send me back to the page requiring me to pick a way to receive the code.
I finally got the code and then I had no choice but to request a new one to get back to the log in page, once I did that my code was worthless... waiting for a new code... minutes go by... page refreshes... 5 attempts. No use. 15 minutes wasted. I pick email... email me the code...
But when I leave the app to go to mail and retrieve my code... guess what the page does... it refreshes requiring me to again request another code...
5 more attempts...
Phone call...
Refresh again..
So I finally get in using two devices. My iPhone requests the code. I spend a minute typing and backspacing in the code spot to prevent the page from refreshing... I use my android to open the email and get the code... finally! FINALLY! Thirty minutes later I am in!
I thought because it gives you the option to check a box stating this device is safe and please remember my info... I thought that might mean after I finally got in I would be able to bypass this waste of time code/refresh trap in the future... NOPE! each time you let the phone go to lock screen, or you leave the app to open another app. (Like the mail or message or phone the code is sent by) you are thrust back to the request a code to log in screen.
I’m not sure if this is solely the updates fault because even going to safari to log in did the same code/ refresh loop. Whatever is the cause.. first premier is useless on a mobile device... unless you have two mobile devices on hand...
terrible. Useless.

This app is an abomination. It crashes a lot on my iPhone 10, iOS 13.1. Difficult to navigate through and takes two to three days to reflect current activity. The banking on the credit card is just as bad. I once paid a majority of the entire balance of $1010.00 of $1042.00, I was over limit by $42.00. For some reason my bank, USAA, e-biller contractor sent a bank tellers check instead of the e-payment. Either way, the check cleared and it was reflected in my balance but not my available credit. I called to enquirer about this and I was told that the system is behind a day and to check the next day. Well I forgot about it and 12 days later (business days) my credit card account reflected a balance of $42.00 with zero dollars available for credit use. I called again ask to talk to a supervisor. I was not afforded the opportunity to talk to a supervisor, instead, we had to waste my time and call my bank on a conference call, USAA, to verify that the tellers check did indeed clear and that it was to First Premier Bank. It was verified by USAA and I was given full credit the next business day. This was despite my balance going from $1042.00 to $42.00. This is happing again, I am this time paying through their app, my payments are posting but they are not being reflected in the available credit, this despite paying way above the minimum payment. Several days have passed, same ol, same ol. I brought this to the attention again of another representative who became flippant and belligerent and told me that all other credit cards do the same thing. When I told her I have other credit cards and I have apps with all of them, none of them do what First Premier does, she became more flippant. I told her if I pay of the balance or way over the minimum, the credit is available immediately. She sighed and and pretty much capitulated to an “oh well attitude.” Avoid this card if possible, nothing but problems and terrible APR. I already talked three people out of getting one!

I am dissatisfied with my account and wish to cancel, but I cannot reach a human representative for assistance.

There is no "cancel account" option available on your website.

I have called both numbers listed on your website and cannot reach an agent.

Please assist me in cancelling my account.

Your earliest attention to this matter will prevent me from seeking the assistance of an external agency.

I make all my payments on time. I pay via my personal checking account each month. So because I use my personal checking account to make payments, they put a 20 day hold on e very payment. They stated and I quote "we don't get a list of cleared checks" thereby the 20 day hold. Is this true? This is just unbelievable in this day and age when we all know that it clears within at most 2 business days! My opinion, they are making $ off our payments!

We noticed starting in September 2023, that many charges were coming through our account, here are months and amounts we have so far

September 2023 from 09/14/2023 til 09/29/2023 total that month 807.27

October 2023 from 10/02/2023 until 10/31/2023 total amount that month 2,140.28

November 2023 from 11/03/2023 til 11/30/2023 total amount 1,878.65

December 2023 from 12/01/2023 til 12/12/2023 total amount 717.84

These charges have been reported to our ban, and the police department

the name we were given was a Breylan Jefferies from Sioux Falls SD

company # [protected]

On 11/22/2023 I found this on my online checking account page: "PREAUTHORIZED WD FPB CR CARD VRU 231122". My bank tells me that a Michael Crippen was using my checking account to pay towards a credit card bill. This process was stopped by I would like to have FPB Bank investigate and provide me with the contact information for Michael Crippen so I can involve law enforcement.

I have cancelled my credit card long time ago, paid supposed the balance due and they still showing a balance that is impacting my credit score. I have called several times and sent via mail disputing the charges to resolve the issue and thay still showing a balance.

Name on card: Julio Midence

Card ending: 6504

SS ending: 6504

Phone: [protected]

Address on card: 15551 NE Turing st. Apt. 236, Redmond, WA, 98052

Yes, I have tried several times to get my account in order but again no success.

They allowed another person to report my card lost/stolen, proceed to pay off that account and start charging again. I had a balance of 602.00. I now have a balance of 798.00. At this point i did contact the Attorney Generals Office in South Dakota. FIrst premier has there fraud department working on this which is scary they are the ones that allowed this to happen. If the dont reinstate my original balance to 602.00 I will not pay anything and this whole account can go into collections.

Yes, you allowed someone to report my account lost/stolen, you gave them a new card, they paid it off, and then proceeded to again charge under me.

I owed you 602.00 on my card, as of today i see the balance is up to 1500.00.

I will not pay anything over 602.00 which i agree is what i owe you on my old account ending in 8277.. Anything that was charged on this card on this account after August 1st is not mine...

Please get this straightened out asap.. AGAIN, I DO OWE YOU MONEY 602.00 BUT NOTHING OVER THAT AMOUNT.

I dont know how this happened but I do not take responsibility for anything over 602.00'

Helen Little

2327 Henbird lane

Lancaster PA 17601 THIS ACCOUNT WAS CLOSED IN AUGUST ONCE I

ONCE I CALLED AND TALKED TO YOU.

Someone opened a credit card and is using my bank account to pay their bills. On 6/27Transaction Details

-$95.00

PROC FEE FPB CR CARD C16074598 INTERNET PAYMENT

Posted Date

06/27/23

Transaction Type

Debit

Reference Number

[protected]

Receipt Attached

No

/2023 I had a deduction from my checking account of $95.00.

Transaction Details

-$132.04

INTERNET FPB CR CARD WEB264789456 INTERNET PAYMENT

Posted Date

07/10/23 7/11/2023 169.07

Transaction Type Reference Number

[protected]

Debit

Reference Number

[protected]

Receipt Attached

No

I now have to close out a very old account that is causing me

a lot of work.

I signed up with this credit card over 2021, and never had any issues with a card use or making my payments until mid 2022 when I was laid off. Though I was on unemployment, I still managed to make my payments and stay ontrack. As of March 2023 they've been harassing me Non-Stop sending me spam emails about my account being past due and facing collections or write-off. Calls to their customer support are a broken phone line that doesn't work half the time. They're about to face legal action if they don't back off and knock it off, I am OVER them.

Was charged through ACH payment 1075.75 dollars from my bank account on 6/20/2013. I did not authorise nor have I ever heard of Premier bank. I have had to change account numbers with my bank. The only information that we have is the description on my online account which reads: FPB CR CARD VRU CUS263059720. As of right now I am out the full amount because my bank will not cover this.

These sneaky Bas&%^^& have been stealing money out of my checking account for months now. Wondered WHY my balance was decreasing almost every day, when I wasn't spending money, and no autopayments on the account. You BET I reported it as FRAUD. I had a credit account with them under a very different payment method. My goll, a person goes through this wire fraud garbage.

I have paid my bills on time every month since June 2020 and not one was ever late or experienced any problems with First Premier Bank until this past May. I made a payment on May 12th since it had an amount due attached to it. I paid it thinking I took care of the bill. I went back to my account a few days later and noticed that the amount due was still on my account. I also noticed that the amount of $89.00 that I just paid was missing from my account as if it wasn't paid. I got upset and called customer service stating that my account didn't have my payment made on my account. I was told that I paid to early and I would have to make another payment. This I couldn't understand because as a card holder they know when to place the information on my account making sure it isn't placed to early to avoid a double payment. but it didn't matter I had to pay again. By this time my amount due changed to $85.00 and paid the amount on the first of June. When I did that nothing on my account changed it still displayed an amount due of $85.00 with the same notice I saw on my May account summery. it stated that no payments were made since May 14th and its still on my account

While trying to keep a good credit score, making payments on time is critically important. Offering automatic payments is a great way for customers to schedule monthly payments! At that time, customer service said, automatic payment system is currently unavailable. My only option -deactivate my account and find a user friendly credit service. I hope they can now separate the forest from the trees and move to a next gen banking system to provide a more convenient banking service for it’s customers.

I’ve had this card some 6 months and have never been able to use the app to look at e-statements, make payments and whatnot.
Luckily my wife has a few tricks to get around the wall that Premiere has erected in order to keep me out.
I appreciate this card. It’s given me a new opportunity to establish a modicum of credit I’d previously lost in life. By keeping this card current, my credit score has risen by leaps and bounds.
But if one FPB card aspect needs a serous overhaul, it’s their online presence.

Low rate app and operating system. Company never answers phone, app incorrectly displays account info and doesn’t allow for simple payment ability or even allow you to fully pay a balance, you’ll keep getting the overage message when actuality they just want a remaining balance to charge interest on. Company does not offer autopay options and charge ridiculous fees monthly. Even if you need credit history go with a secure card thru a bank and get better results. This card will do the opposite of what your looking for.