First Premier Bank

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.

App always redirects to a browser window for login which requires to send a text code...not to mention it’s required twice before I can even sign in. What’s so hard about authenticating in the app, and accounts load just like any other bank app.

Account updates are always a few days behind too. Payment posted later than usual since they aren’t even electronic. They wait on checks from other banks instead of having the technological capabilities of just accepting wire transfers...or so the idiot on the phone told me.

App has issues, credit available fluctuates randomly. Had 150 available, made one $55 transaction and then I had 13 available. The best part is that when you try to solve the problemS and call their number, their is almost no way to reach their “award winning staff” which really has been kinda bad in my experience. Time to try working my way through the automated message option labyrinth to hopefully reach someone who can hopefully solve the problem. Would highly recommend getting a card somewhere else if you can.

I tried to set my account as an automatic payment like I have with all my other bills so I would not forget to pay it on time and end up with a late fee and I couldn’t do it via the the app.

Called customer service and they informed me that they don’t offer this kind of service.

So I am guessing they make their money from the millions of people like me that forget to pay their bills on time.
I find it “very convenient” on their side.

For this huge reasons and until they fix this problem I rate them from 1-10 a 1.

I’ve had this credit card for just under a month and I already regret it. The primary problem with this app is that it takes forever to update what your remaining credit balance is, and you’ve no way of knowing unless you drag out all of your receipts you’ve used the card for and done the math yourself, as the app will not show you any pending charges. It’s incredibly irritating and laggy, and you have to wait at least a week after receiving your bill date to actually know what you need to pay, as it just takes that long to update.

It’s 2023 and this bank doesn’t have an automatic payment option. When you bring it up to their reps constantly say “we used to but no longer do at this time” they’ve been using this same excuse with no improvement or development for over 2 years now. They have no interest in making their app and bank access user friendly or beneficial for the user. It’s blatantly obvious they don’t intend to provide an automatic payment option because they profit off late fees. Just another bank that’s not about the people. Don’t waste your time or money.

The company always says due to high call volume this call will be longer than 5 minutes and I sit for 20 minutes without help. There is no option for auto pay. There are a lot of fees just to have the card. They gave me 2 cards and when my credit when down after a recent surgery they cut my cards off without telling me. My app just said balance 120 out of 700 available credit $0. No warning, no letter, nothing. I am ok with it because I have higher limit cards with out the fees but if you depend on your cards and like to talk to customer service avoid this one.

They will charge you a monthly on top of interest fees, every month.
Before this app, there was another app like this for this card, but that old app doesn’t support the card anymore. I had to come here and figure out why nothing was working anymore and I guess this is the latest app. I was very suspicious creating a new account in this app. On top of some times not being able to login with either face recognition or password.
Also the card expired July 2022, I couldn’t even use the card a couple of months before the expired month/yr. There is no AutoPay so good luck on our end.

I gave one star only because I had to. I literally been trying to login on the website for WEEKS but the one time code comes too late so I figured I try the app same thing the code takes entirely too long no matter what method used. So I have no choice but to call customer service, the lady keeps cutting me off finally I have to tell her to stop Interrupting me and she’ll understand what is going on. I get the code from her I login in close out the app and guess what I’m back where i started waiting for a code but better believe they allowed me enough time to schedule a payment. HORRIBLE!

Hello, just downloaded the app and initially had trouble signing up with an error code stating I was unable to & prompted to call an 800 number. Immediately I felt nervous simply because I imputed my SSN# but second time around went smoothly. However, after receiving an email code to finish the setup , it prompts me to enter my iPhone unlock passcode . . I’ve never with any other app had to disclose that info. That made me feel very uncomfortable and I exited out. Why do you need that information? Any way to bypass that? What happens if I change that passcode later on, will it stall me from logging in?

I used to be able to make custom payments on this app. As soon as they went to this new app I can only pay the minimum amount or the full balance. At least that is how it is on my iPhone. So no the new app is not working for me.

So the developer sent me instructions on how to enter in custom amount. I already knew how to put the number in. They said to hit the confirm button. What confirm button? There is not one. I looked all over for a confirm button or a next button. There isn’t one. That’s the problem. I push up down trying to scroll but it does not scroll. Maybe it’s not able to be used with my iPhone.

Can never access the website on a desktop computer. Always has an error or my information is ‘incorrect’. Tried this app. Was able to create an account (odd bc I had created one on my desktop) Anyways all is fine so I try to login, requests me to have a code sent for verification. I do that but then it takes me right back to the log in screen, thus the ordeal starts all over. Calling to pay my bills is a very long process, but I have no choice with having zero access to the website/app since they do not work properly.

I got the card to build up my credit, I already am not crazy about a yearly fee BUT it did build up my credit some. With that being said, paying my bills are such a headache that I doubt I’ll keep this CC long. I’d rather not have the frustration each month trying to make a payment.

I don't have a credit card with this company! I've never had a account with this company!
I need my $ back! Please HELP ME with this!
My bank Denied all of my disputes!
See the attached screenshot of the unauthorized transactions that I have sent!
I have had my identity stolen this past October, I didn’t apply for a credit card with this company.
I have attached screenshots of my statement when these fraudulent charges were taken! And of the closed disputes with my bank!

To Whom it may concern,

On April 26, 2023 at 9:27 am [protected]) I called in a payment because my card was stolen and needed to be sure of payment information. Please listen to the call and help me understand if this is how First Premier Bank would like its customers to experience (employee id: 727 supervisor: Todd Y75).

Thank you,

Gonzalo Escobar Jr

We have had a terrible experience with First Premier Home Warranty. We submitted a request to have HVAC repaired. It took over a week for them to get back to us with a contractor. When we called to find out what the hold up was they didn't have any information. It was like the left hand didn't know what the right hand was doing with this company. Once we finally got the name of a contractor and had them come out for a service fee, the contractor contacted FPHW with information regarding the repair. When we heard nothing back for several days, we contacted the contractor and he said when he submitted the service information he was told we had cancelled the request (which we did not). It took the contractor 3 attempts to get the information to them, all with several days in between, because they couldn't seem to find the information every time we called. The contractor ultimately stayed on the phone with them while he submitted the estimate so he could confirm they had received it. He was told we would hear from them within 24 hours. After more than 24 hours had passed, we again called, only to be told we would have to provide 36 months of HVAC maintenance history in order to have this job approved. We have only owned the home for 10 months so we obviously did not have this maintenance history. They said they could not approve the job without this. So frustrated, I called the management number and spoke to a very condescending person named Todd who also said he could not help me and that the 36 month thing was in the contract. I have read the contract I was given and it says nothing about this. This company is a fraud. The whole point of buying a home warranty is to be able to be covered for the unknown when buying a home, BECAUSE there may be things you don't know about said home. I have sent them our home inspection which would be all that we have since the home is new to us. They told me today that the underwriters denied the claim without 36 months of maintenance records! The contractor for the HVAC said he has never worked with a warranty company that was this bad. A company is only as good as their promises kept, not their promises made. Don't be fooled by this company who does not stand by what they promise.

Premier Credit Card is trash!

My name is Emily Wells I got that credit card they took $50 plus $90 out of my debit card. Before I even got that piece of trash of card. they started taking out $30 a month for 3 months they stopped. And not by my choice of them stopping they stopped because they [censored] I started incurring $40 fees added to the $300 and they kept going until it became $558. And talk [censored] when I tried to pay the two months that they didn't take out they said no. So no means no so I said [censored] them. 558.00 sit right on my credit right now $558 for 2 years and 6 months and I would not pay them a ragged [censored] cent. If you trying to get a premier card please don't waste your time they're going to [censored] your credit up they going to [censored] your credit up so bad that'll be there for 7 years. And then they going to write it off as a charge off as it sit on your credit. These people are horrible devils send them back to the cave where they came from or back to the cesspool.

Applied for card, paid fee to get card, got card, used card, paid complete balance due. Payment delayed 10 days because paid by my bank. Used card another month, paid balance again in full. Suspended wanting verification of bank info. A month later and after providing bank statement with my name on it they still have it suspended, this time they want to see the transaction on the bank statement. Really? It cleared, you got the payment, you got proof it was by bank that gave it to you, yet still suspended? And it shows on my credit report as suspended. Total bogus company, all they wanted was my 95 dollar fee. Now they must want me gone because I pay my balance in full. No phone calls, no emails, and notices that are mailed come 10 days after

I paid the program fee and the security deposit haven't even received a card for my account yet andi haven't even got to use my account credit and not even two weeks later I have a 0 balance out of 200 credit limit... And again I haven't even gotten my card in the mail yet but apparently premier has charged me my first months fees already and spent my credit line that I was approved for for me... Now my account is suspended said they believe that my account may be fraudulent and to send in some verification in which I had already sent in forms of verification thru the app when I funded my account... I'm not sending once again my personal info to someone else again they should of gotten it they don't need me to send it again to a different email address or fax or mail... Me sending my personal info once already is risky enough... Moral of the story is i'm stuck with having to pay for a credit line that I was approved for and premier bank spent for me instead...