This company initially charged $200.00 to start card up after calling to cancel unwanted card. Rep talked me into keeping card open to build credit easily. I am a single mom and I was looking for a way to establish good credit history. I decided to keep card. The first payment came due, no purchases had been made on this card. I was only planning to pay off the amount First Premier charged me to start card. I paid way in advance, well over the amount due by at least 10 days before due date, received confirmation number. 10 days later received phone call that my payment was not received & that I had been charge almost $80.00 late fee. Explained to Rep that I had confirmation number and that I had paid in advance before due date. Rep told me that the system probably didn't catch my debit card number and she would waive up to $30 of late fees and the $11 charge to pay by phone. I agreed thinking that maybe she was right about the system not catching my debit card number or me possibly making a miss punch when putting in my card info over the automatic pay by phone system. I don't think looking back that I made a mistake otherwise I would have not received a confirmation number if info was incorrect. I finally did make a purchase on the card at Bath & Body for about $40.00 then dinner at a local restaurant for $26.00. I had available credit of almost $90.00. When I received my next bill I received over limit charges, cash advance charges ***Never did a cash advance*** I called immediately, the rep I spoke to was extremely rude. I told them I want to cancel and close this card. The rep refused to close card, then finally said she would cancel card. After a week I received a letter stating that I now owe First Premier over $400. My total purchases on card were below $68.00. They are reporting me as negative because I refuse to pay the ridiculous over limit fees and late charges they have assessed since that fatal mistake I made of making a payment on time before the due date & letting the Rep talk me into keeping a card I did not want so that it would help me build credit. I pay my bills on time. I finally researched this company and have found several people with the same 'System didn't catch debit card payment' for the first time they tried to make an on time payment. Please include me in any class action law suit so that I can get this company from hurting me any further. I am not looking for money... I just want my hard work to build good credit as a single mom struggling to reflect.