First Premier Bank
Reviews and Complaints

worst mistake Ive made ive made in my whole life

You don't indicate what type of bankruptcy you filed. Was it Chapter 7 or 13? Was it discharged or dismissed? If dismissed, you still owe the debt.

This just happened to me as well. Was going over my bank statement and saw $250.00 was taken out by FPB CR CREDIT. I immediately went to my bank, I had to cancel all my debit cards AND worst of all my checking account! Now I'm left with ONE temporary check and a temp debit card, the worst thing of all is, having to call ALL the folks I have auto draft with! A nightmare. I'm sure the bank will issue me a refund but only AFTER they do their investigation... sigh. FPB should be sued and jail time if you ask me. Because clearly someone is getting rich of all of us. Ridiculous.

Just a bunch of frauds how yall prey on the broke n weak the hide behind the facade of being a bank gtf outta here yall some hoes on my momma. Someone should step on yall nikkas. How tf yall get $409.00 outta me. Who tf are yall even. Dead [censored] bro. Like why tf would my bank even authorize some [censored] [censored] like this. All yall mfs needa be fired.

how the hell did your company get my info? I found 2 charges thats was taking out of my savings account. Now i have to wait for this investigation. what are you people are pulling? How did you get this? Did you all get my SSN? This is so annoying that I cant get any information, talk to anyone. all i know that i dont appreciate this chit. dont take people money. get a freaking life!

I lost my job in 2006 and tried to utilize this insurance with first premier bank. I was denied several times. So i tried to keep up with the payments but i fell behind and received several calls saying if i made payments by western union that i would receive extra credit for doing so. Everything that i was told was a lie. when i tried to close the account they would not let me or even try to work with me to get it caught up. This company wants your money and does not want to give you honest information.

Why does this bank send out a replacement card already activated in a envelope via first class mail with Fist Premeir Bank Card writen on it?

Send in plain white envelope without company letter head, and activate after your receipt of card verifying your information.

My credit got bad because of Identity Theft (the creeps get by with it and it goes on my credit?) and First Premiere offered me a credit/debit card. Interest rate seemed usurious. Because of fraudulent actions of Compass Bank, my account was way overdrawn according to them, and I had no money to live on, told this to First Premiere and they agreed to let me make my payment when I got my next check. So, they charged me a late charge and would not reverse it! A bait and switch. Then, put a derogatory for late payment on my credit.

I have had a First Premier Card for a year. I paid on time, paid over $200 dollars in start up fees, never got close to my minimum, carried enough balance to show use, paid 30% more than the minimum on every payment. When I got a bill with a $20 fee and notice of an upcoming $48 fee for annuals on a first and second card I called to cancel the account. My credit score had vastly improved and I had two other cards with no annual or monthly fees and much higher limits so I no longer wanted to pay the $7 a month or the annuals on this card. The cust. service rep offered to take off $40 and told me to cancel the second card so I would not have to pay the $20. I told him that the $7 a month or any fees was silly at this point because I had much better products in my other cards. He yelled, "Fine! Your account is closed" and hung up on me. I was trying to ask if they had another product like a Gold Card that might better suit my needs. It is so shortsighted to treat me that way. I am a responsible customer (having learned the lessons of my youthful over spending many years prior) who pays more than minimum, never gets close to over limit and uses my credit responsibly.

I know that they do not care about my experience and that employee is likely yelling at other people and hanging up on them as I write this. They lost a customer for life. I am in search of a mortgage now, but would NEVER consider First Premier.

I don't have a First Premier bankcard and over $400 was debited from my account. First Premier cannot help me since I do not have an account with them. They suggested I file a claim with my bank, which I did before contacting them. What a way to ruin my day.

First Premier bankcard is a complete rip off. I cant believe the government let them operate like that.
My card limit was $250
My monthly and annual fees exceed $250.
I tried to increase credit limit to $500. They told me I would have to open a second account. Worst the account would start off with a balance of $500 payment due.
I finally closed the account with a balance of about $5. I then got a call from their collection agent that I owed $175...I paid it just so they wouldn't f up my credit. I can't believe that they can operate like this.

SHUN THEM THEYR'E A BUNCH OF CROOKS.

I urge anyone who has a First Premier Bank prepaid card to cut it up pronto. How the HELL do you end up owing on a prepaid debit card when you are the one who loads the card with your own money? I only used the card once many years ago and decided to get rid of it. I didn't call and cancel anything because since I was the one loading the card, I just plain stopped putting money on it, cut it up, and simply opened a bank account. Years later, there's a rude woman calling my 80 year old grandmother's house where I haven't lived in years, harassing her and asking questions about me, claiming that she's representing First premier Bank and that I owe money to them. Believe me, I have no reason to lie because if I did, I wouldn't be writing this complaint. I asked my grandmother to give her my current number just so I could put her in her place, because she had been calling everyday and at least 3 times a day. So she began harassing me as expected. Boy did we have it out! I truly don't believe all these calls are monitored because the way she was talking to me was BEYOND unprofessional. I told her to go to hell with gasoline panties on and warned her never to disrespect my grandmother again. I also threatened to report her to the BBB and a whole slew of agencies, not to mention seeking legal action for harassment. This woman refused to give her name, or agency name. She just claimed to be "representing" First Premier Bank. Oh bull! I asked for her name, and she only gave me a first name which I'm pretty sure was fake. In fact, when she called me, she asked for me by my first name as if she was an old friend from college! Please! I even quizzed her by requesting my account number and she failed to provide the answer.

I have to say I have been a First Premier customer for two years. When I started using my card I didn't know alot about credit cards and debt to ratio. I learned how to use my credit card the right way. I got about one year credit history with my card. I always paid my payments on time. I was late twice due to work and some other things. First Premier had already reported to the credit bureau my payment was on time. They even called to tell me that they where given me a chance to make it right. I have to say they have raised my credit score over 200 points. You really just need to give them a chance. They really have great customer service. There offering away for most people a way when there was none.

Please understand that they are there to try and help customers whom have been unable to get a credit card else where or whom are trying to rebuild or build credit. Although they can seem a little rough when it comes to collecting bills etc, they are actually a good company. Most issues with this company can be resolved fairly easily, I have many credit cards and typically i dont carry a balance but they are quick to investigate issues of unauthorized charges etc, although you have to go through the typical steps as any other bank. They also offer a great insurance protection program that will pay your minimum payment should you be unable to, so that your credit rating stays protected.

We've had problems with this company since day one. the latest problem and the last straw is this: we paid twice in July, on the 16th for due date 7/19/08 and on the 24th for the next due date, 8/19/08. Or so we thought.

We started receiving calls that we were late and going to collections. When we told them we paid twice in July they said "oh it's your fault then for paying so early" and refused to remove late fees showing for August!

If someone starts class action suit, count me in!

My credit was zero because i am new migrant in usa, i tried to increase it through a credit card, i applied for a card from this bank. After 3 months of regular payments, i discovered that this bank did not report my payments to the credit bureaus, i stopped paying and called them to cancel my account, and payed all my balance one time. I discovered that they report a delayed payments to the credit bureaus which destroyed my credit. Note that all what i payed to them is their fees !, i didn't make use of more than $25 of what i payed. So they know the credit bureaus only to hurt their customers. Keep away from them.

I've been trying to get a decent credit card to help with moving expenses (seeing as how since I moved here I’ve had nothing but a hard time and is why I’m moving back ...again...). Because of these issues I’ve had my credit isn’t so good. SO. I figured I’d try this bank seeing as how they're the only company who would approve me (to what I thought had no annual fee).

I was so wrong. All I got was a $250 credit limit, my first bill is already here. I have a $95 program fee, a $29 account set-up fee, a $7 monthly servicing fee, and already the $48 annual fee! Now my available credit is $71.

Do NOT under any circumstances do business or set up anything with this company!

Next time I open a credit card account I’m going to do some better research and not settle for crap.

First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I'd cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due.

First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2017); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender--except for bottom-feeder predators like Frist Premier Bank.

First Premier Bank's collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army's assault rifle) and if First Premier didn't stop trying to collect from me money I didn't owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily--and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them.

First Premier Bank isn't very bright. It has, quite arguably, by now spent more money on collection expenses re: me than I allegedly owe it.

I have yet to experience any bad situations with First Premier Bank. I just got a card from them with the hopes of not having the bad experience you all have endured. But I will keep you posted.

I too, have been absolutely RIPPED OFF by First Premier Bank on both my VISA and Mastercard. What they did to me was...they would LOSE my payments altogether, then charge me CRAZY late fees. Then they turned me over to four credit reporting agencies...then, more fees, more losing payments and not crediting them. These people are SO CROOKED...SO DECEITFUL...everyone should complain to the US Attorney General's office about them. If you will google the New York State vs First Premier Bank you will see that they lost that lawsuit and had to pay millions in retribution and refunds, so every state should get busy and sue their ### off.

Read the terms and conditions before you apply. Its on all the sites and if you cant find them dont apply. Just some advice from someone who learned the hard way.

Yeah, it does state clearly in the contract that a minimum payment is needed EVERY month...so that means every billing cycle you need to send in a payment. (I have been a Premier customer for 3 years). If you read the contract, it will tell you that.

That extra payment you made just reduced your balance but didn't count as a payment. This is so they can report you positively every month.

Actually, I don't know many credit cards that don't require a minimum payment every month unless the balance is at 0$.

Good luck! :)

Received a statement for a card I do not even possess showing an owed balance of $216.47. No authorization for issuing of a card.

First rule that you overlooked completely! Always pay your entire balance in FULL every month! Minimum payments will just keep making your bill bigger and bigger. If you cant afford to pay it off in full at the end of the month, DON'T BUY IT!

My God.. this is really a bad experience to me. I have not use my credit card in First Premier Bank but I already got a balance of 200 dollars my goodness what kind of company is this. I've been paying credits without even using it.

Good day
I did an application in South Africa for an account. The agent here Bryan said that it is approved for R550 000
But they want R1500 I have paid that and then they wanted R3000 I have paid that aswell now they want R5230 more
Now I am warried. Is all of this legid?

Please contact me [protected]

I have 6 other customers that also want a loan but we are all sceptic now

Wow! that's very sad and disturbing! I have been with them for over a year now and I didn't believe my mother-in-law when she said that they didi that to her. Wow! Makes me really wonder about my accounts with them.

It sound like it is YOUR banks fault that the payment was not applied to your credit card bill. I would ask your bank to pay any fees accessed due to payments not being received. Are you really going to kill yourself over a credit card bill, that sounds a little over dramatic. All you have to do is pay via moneygram or debit card and it's verified funds and there isn't any confusion on either end.

I've been with first premier bank for almost two years I have called them for a credit limit increase because i have made all my payments on time and kept a small balance. Well i got a letter saying that my request had been denied. Two days later i recieve a letter from them saying because of my great credit history with them i was gauranteed approval for a second credit card with seperate credit limit, but i had to pay the fee of 149 0r something close to that.They wont give me a higher limit, just a second credit card...if i pay them more money. What a rip off I was stupid enough to do it the first time but i wont make that mistake again. Mabe the better business burea would be able to help in your situation or atleast know someone who could help you.

Do not apply for this card. Do not enter any information on their website at all. Once you do, even if you do not agree to the details and terms on the last page, they will send you a card anyway. They will activate the card. They will send you a bill for $179 just to open the card, even though you did not accept the final terms or activate the card yourself. Then, when you don’t pay the bill..because you have never used the card and cut it up and threw it in the trash, they will send you another statement with a late fee attached to the $179 fee. Now you have over a $200 balance on a card you never authorized. The statement says you have a $250 credit limit and you owe over $200 and you never even used this card! Do not pay the bill. Call them and cancel the card! Write the BBB about this! Call your congressman! This should be illegal! You should always have to call to activate a credit card! And, there should never be these kind of SKY HIGH FEES to try to establish some credit! This bank is a RIP-OFF! READ THE FINE PRINT!

Hey i always pay all of my bills on time every time but no other co. would give me a credit card. First Premier Bank did, yes it cost to start with they have always answered my questions honestly when i call, fast and friendly service thank you Premier Bank. David

YOU DIDN'T READ THE TERMS! before applying or signing your name so you can't blame them for your mistake. They are a a company that helps build or rebuild your credit by offering credit to someone that's turned down by most other credit cards. Therefore, they charge you a fee off the top to do so. I had a card with them and it tells you that your card will have a 9.9% interest rate. It also tells you:

By submitting this application you understand that your initial credit limit will be at least $250.00 and the following fees will be billed to your first statement: Annual Fee of $48.00, Account Set-Up Fee of $29.00, Program Fee of $95.00, Monthly Servicing Fee of $7.00, and an Additional Card Fee of $20.00 per card (if applicable). These fees will reduce your available credit until they are paid.

Everyone needs to read more before signing your life and or credit away. Take responsibility for your own mistake and not paying the bill is not hurting First Premier, it's hurting YOUR credit and making it worse than it was in the beginning!

Sounds like you didn't pay the bill so that is why you owe so much. You should pay you bills by the due date to avoid fees, it's really that simple.

I am constantly bombarded by pop ups from the First Premier Bank that is trying to push its Centenial Credit Card of which I have no interest in. I clicked on the unsubscribe which doesn't mean a thing. I called the bank & they told me they have no control over it. Any suggestions please?

My son accepted a credit card offer for a $300.00 limit. he did not use the card, however, when the first bill arrive he had balance of $185.00 fees. My son has a TBI Tramatic Brain Injury, which makes him suspect to using bad judgments. I called the credit card company to demand closure and refund of fees, but they would not talk to me.

What can be done to protect the consumer from these types of excessive fees. My son has limited income which consist of social security disability and a part time job. He has other credit card debt which he obtained in the same manner and is getting out of control.

The $185.00 in fees seems to be criminal and nothing can be done to prevent this in the future.

I received an ad in the mail for a 0% credit card last year and decided to give them a call. About two weeks later, I got my card in the mail. To my astonishment, my credit limit was $250.00 and I already owed them $175.00 in fees. I immediately called to cancel the card and try to avoid these fees but they refused to cancel it. I ended up spending the remaining $75.00 balance over the next week or two and have regretted it ever since.

Every time that I have commented on the extraordinary fees to someone at First Premier Bank over the phone they say that I am obligated to pay the fees because I have already used the card. To witch I reply that I tried to cancel it upon receiving it and was denied that opportunity.

I paid the entire balance of the card in January and asked that the account be closed. The woman that I talked to told me that I would no longer owe them anymore money and the card would be canceled. Here it is, not even April and I am getting calls telling me that I am over my limit and asking for a payment.

To make a long story short, I have spent $75.00, paid $250.00 and now apparently I still owe them over $300.00.

I really need help dealing with these people, a class action law suit would be good.

I will be contacting the South Dakota Attorney Generals office today.

First premier is the worst credit card company ANYONE could pick! For example, when you change your address they DO NOT inform you that you must call into their customer service to approve the change. So you sit and wait for your statement and your bill to come in the mail to your new address. It never shows. So you call and they tell you because you had a change of address and did not call in to them and approve the change(which they don't tell you again you have to do) they now charge you a late fee because you did NOT get your bill in time! Then on top of it, if you make a payment on the phone and, say, you may enter something wrong with your bank account debit card your paying the bill with, they SEND YOU A LETTER in the mail. Conveniently this is well AFTER your payment date (instead of placing a call to tell you something went wrong and they need a new payment method) and since you don't find out that the payment was not processed they AGAIN charge you a late fee for not paying your bill on time. Obviously you did, but there was an error. Who is to say there really was? Pretty easy to say OOPS sorry your payment had problems so you have to give us more money now. This company is a scam and they basically steal money from you ANY TIME THEY CAN! They DO NOT work with you in ANY WAY to wave ANY fees that may be charged to you. Even if you can prove it was a honest mistake. Such as listed above. THEY WANT THEIR MONEY and they DON'T care if they have to scam you out of it with so called fees they just take from you that are clearly out of control! DO NOT GET THIS CREDIT CARD to try to build your credit. It will ONLY HURT YOU more then help you!

Recently, I have had the experience with First Premier bank where they post the annual fee to a person's account whether or not it pushes you over your credit line. Then this low life company proceeds to harrass you on the phone literally daily wondering when you are going to make a payment to bring the balance under the credit line. I imformed these low life [censor], to stop calling me and yet they contiue to call. I am at the poiunt where I am going to report their activities to the Attorney General for my state of residence. This is RIDICULOUS...

Thanks for the heads up...

Its sounds like some of you could benefit from Pre-paid legal services.

For more information and help email: richardlambdin@prepaidlegal.com

Annie of Junction City, OH December 1, 2009

I have had this Visa through First Premier Bank for years, and have had NOTHING but trouble. The latest probelm was back in August someone had stolen my info and used my credit card online, I called in and closed that account and opened another with a NEW card-no problems I "thought".

Anyway I recieved my new statement and I seen where my account was closed, I called in and this woman couldnt even tell me anything. She stated the ONLY way to re-open my account was to go through another credit check which lowers your credit score, and then I would have to pay more fee's on top of that. My balance was almost paid off and they want me to start all over again-its a RIP-OFF!

They charge all these fee's to just have the card, which is CRAZY! This is a scam and I want as many people to know about what they done to me. Even the Supervisor I spoke with named Mellisa couldnt even help me, all they wanted to do was open a NEW account with new charges and NEW FEE'S, no thank you! This company is a JOKE!

I cant use my credit card now for Christmas, I paid it almost off in order to buy my Children's Christmas now I cant even use my credit card because of what they done to me.

Jillian of Doylestown, PA December 1, 2009

I have been using this credit card for close to two years now. I have never charged anything over my balance and EVERY month I have paid them on time, with the exception of a single month where my payment was two days late. That month I called them to apologize about my payment and made the payment over the phone (for an eleven? maybe seven? dollar processing charge), to not be hit with a late fee.

Each month I send them a check, write the amount in my checkbook, and am done with it. Whenever I have checked my online account with them the payments have gone through. Last month I looked at my online account and noticed that I was charged a tremendous amount for being over my limit. Frantically trying to avoid late charges, I paid the penalty and the past due balance.I never received a confirmation number, but moved on with my bills.

This month I went, like clockwork, to pay my bill. I checked my balance again and now apparently "owe" this company nearly 500- 250 of which are in late payment charges. I do not know HOW they possibly pulled this off. Did they "lose" my check? Did their automated system not process my payment? I don't know.

But I called them today and asked them to please look at my payment history- which is squeaky clean- and credit me money back for the late charges, and the woman with whom I spoke told me the best she can do is credit my account 35. That means that I have to come up with the 250 before the end of my bill cycle or I get charged with another 50.

This is a scam. There is no question about it. This NEEDS to be investigated because this operation can NOT be legal. I can now not pay this company and continue to accrue debt that I know that I do not owe. I have also been having severe anxiety over this, as I do not have the money to pay them but cannot let this go to a collection agency because I am trying to clean up my credit. Someone needs to please help by looking into this, because I guarantee you it will not be a waste of time. There are many victims involved.

shirley of middleburg, FL November 27, 2009

I signed up for this card. Was charged 175.00 to do so. I was making all monthly payments on time every month. One payment "they said" was last and from then on I been charged a 50.00 late fee. I cancaled this card. My bill goes up every month month even after I make a 50 and month payment. They have called me so many times its not funny. They will not stop adding to my bill.

Robert of Fortuna, CA November 20, 2009

My wife & I were looking for lower-interest rate cards to consolidate & pay off our credit card debt. We have excellent credit ratings of 793 and 804. We applied for what appeared to be a legitimate credit card offer. I think it was a gold card, so we were under the impression we were applying for a 5, 000 to 15, 000 credit limit. We submitted an online application, and the bank website appeared to be legitimate. Three weeks later, I received an e-mail stating we had received a 300 (yes, get this, 300) credit limit. Our Costco card has a higher limit than that! If that weren't enough, the e-mail notification stated we had 121 in available credit. That basically implies we have 179 in charges, and haven't even received the cards yet, nor an account number! Apparently interest has already begun to accrue, as our first payment is already due -- yes, on the card we never received.

My wife doesn't recall seeing anything about 179 in up-front fees being charged to open an account. She says she thinks she read something about a 75, and maybe a small annual fee. That (the annual fee) wouldn't have been so bad, had we at least been offered some reasonable line of credit. But we've already racked up 179 in fees, and we don't even have the "product." Let's see, the card initiation fees are 59.6% of the total credit limit. Is that legal? Aren't there laws and consumer protections in place to prevent this? I filed a complaint with the FTC, as the company's business practices constitute false advertising, and might be construed as fraudulent. I'm also filing consumer victim reports with the Big 3 Credit Reporting agencies, and will report these problems to the credit agencies, such as Experian.

I read there have been several FTC actions taken against outfits like this -- one I read of was operating out of Canada. I think the FTC issued a "cease and desist" order. I'm really ticked, because my wife & I have worked really hard to establish good credit. It would be terrible if these people are to ruin my good credit rating through their terrible business practices. Please help. I want them investigated and for actions to be taken against them, to the full extent of the law.

Edith of Riverdale, GA November 19, 2009

Someone from the Premier Bank Card center called my job trying to get me to switch my credit card to their card claiming that I would lower my rate. I told her that I was on a no call an asked how did she get my #. The lady said that I sound just like Obama and asked who did I think I was and hung up. This did not cause any economic damage but is sure cause a lot of stress. Calling no less on my job. She asked for me by name my full name.

Jessica of Manchester, NH November 18, 2009

These people are ridiculous. They break FDCPA more than I can even COUNT in one conversation, and have the most insane, awful attitudes I've ever encountered. I was paying them even WITH being unemployed, and when I called to arrange payments for later, they tried to sell me on paying the whole things off. When I explained that I could not, they just got angrier and explained it was "for MY benefit". I then was unable to make payments briefly but was still contacting them to let them know I was trying, and paying what little I could here and there.

I then started receiving ILLEGAL voicemails from one of their reps "Daisy" disclosing all of my private information on my voicemail, and even going as far as to curse. Just recently, after I decided to just pay online (to the tune of 7 per online payment fee), they started with the calls again to tell me I am past due.

The first one I got was 2 weeks ago, and was received while I was at work. I politely explained that I was back to work, and would love to set up arrangements now that money's coming in, but that I could not speak as I was at my place of employment. I asked for a number to reach Ms. "Casey" (no last name), at. She refused, and gave me a speech about how she's trying to help me, and that if I don't work with her, I'll lose whatever "deal" she THINKS she's giving me. I explained again that I would truly like to get back to her when I'm NOT at work, and asked for the number. She refused and claimed that she had left me numerous messages (funny, because I hadn't received ONE since "daisy" months ago) and explained that I needed to talk to her now. I asked for the number again, and she raised her voice and began harassing me. I then hung up.

Another phone call came the next week - SAME TIME - I answered and explained that I would like to call them back/have them call when I'm not at work, the EXACT same speech from the EXACT same rep! I explained that her behavior last time turned me off from wanting to contact her, and that if she listened to me this time, I would call her when I got home. She then proceeded to harass me with the exact same speech - like she was reading off a script! I then said that I was happy making the payments online, but assumed she would like a commission, and that if she just GAVE me her phone number/extension I would call back that evening. She explained that I apparently avoid responsibility etc. etc. and I promptly hung up on her again.

What is with these people? If they would just treat the customers with dignity and respect, maybe we wouldn't be avoiding contact with you? And if you weren't so sketchy, and so idiotic to call at the SAME TIME that someone had said was a BAD TIME an expect a different outcome, maybe I'd have more faith in your company. Having worked in collections, I'm disgusted.

starleen of sussex, NJ November 17, 2009

I'm just yesterday mine first premier bank statement. I'm was paying online in my bank account. now was paying every month. them tells mine overpayment one month and at add over limit want me pay 116.18. that mine payments only 25.00 an month. that can't pay all this. that scam. that last credit limit at 325.00. now them had total balance of 391.18. them scam me always.

Them add of Finance Chsrge at 9.90% -balance and 19.90% on cash advances was at last year. can't pay anything that them scam me. that them just at payment of 25 from my bank account .that so frustrating.

mine disable was 2 strokes. can't talk very well though and losting everything from they doing this. please help me this. thank you

David of Newport News, VA November 14, 2009

Since I've opened this account two (2) months ago, I was given a credit limit of 250.00. My initial credit after all the charges were deducted from this account was only 71.00. I made a few purchases and when I checked my balance a few days later, I was seeing a charge of 2.00 that I was overdrawn but that my credit limit had somehow had dropped from 250.00 to 200.00. I then went and made a payment on line for 50.00, of which they charged me 7.00 to make and then called them and confronted them about the over limit amount. It took me almost an hour and a half to get the point across that the reason for the over limit was due to their changing the limit amount. I have since made another payment on line which will cost me another 7.00 out of the 180.59 that I paid.

I was told that the funds were on hold until the 14th for clearance but that when I used the card, the amount that the charge was for is instantly deducted from my available balance. I do all my payments on line and there is only a couple that charge for that type of payment. All the other payments that I make get posted either within minutes of the payment or by noon the next day. The only reason for an electronic transaction to take any longer to process than that is that the funds are being held to draw interest before being posted.

I received many an e-mail from this company saying 'how much they wanted me back' and then they treat me with this kind of disrespect, I DON'T THINK SO'. There is no reason for an electronic transfer to take three days to post to an account, no mater what. My SSAN, disability, even my income tax is posted to my balance of my checkink account within minutes of it being sent by these organizations so why should it take all that time to post to my account other than this companys' greed for money. PEOPLE BEWARE, FIRST PREMIER IS NOT TO BE TRUSTED!

Nicole of Las Vegas, NV November 13, 2009

This company is one of the worst companies in the banking industry. Not only are they charging 39.00 overlimit fees and 39.00 late fees, they charge you over 200.00 to get a 300 credit limit. Then, they make it sound like they're doing you a favor by making your credit history better! They're not.

It's an 'unsecured' credit card run by unsecured banking executives reaping the rewards of those of us whom have credit impacted by the current economic situation or by other situations beyond our control. These are the 'bottom' feeders of the industry and should have fines assessed their company in the same amount they charge their customers.

Shalaunda of Picayune, MS November 9, 2009

I have been out of work for 2 years now, constantly have been looking for a job and was receiving unemployment. Prior to all of this happening, I paid my credit card with this company and everything else, actually usually more than the minimum. When my unemployment ended, that left everything on my husband to pay, needless to say, we are stretched! I received a call that started out okay. Then she went through the usual spill that my card was past due. I let her finish and explained that I am not working and I am not receiving unemployment. She then asked if I was working and when did my husband get paid, I replied with, "Yes he is working."

She then asked if he could pay and I told her no, he is taking care of enough. This is when the call took an interesting turn. She then asked how long have I been out of work, I told her 2 years and she said, "I find that hard to believe. Well, you need to figure out how to pay this." I then hung up. Are these people serious? I have been looking for work for all this time, and I usually get the, "You are over qualified speech."

What am I supposed to do? I want to file a complaint against them because they are so very rude when people are trying to explain their situation to them. They are some of the few people that have managed to keep their jobs. UGH! They have also charged me excessive fees when they contact me to set up a payment, I have to pay them a phone fee in the double digits or if I pay online, I still have to pay a fee. What can I do. We are living in very different circumstances these days and it is really hard.

No that's not it at all with this card... if it were just fees that is one thing... but the fact that they hold your payment for 20 days before applying it... or how about that your "PAST DUE" when the cycle ends and NOT when your due date goes by... so for example if the cycle ends on august 15th and your due date is september 8th... and you make a payment on september 5th you are 30 DAYS PAST DUE... that is why this company is F***d up.

Ok, well, I've had my card for a month. I paid my payment on the due date, however, it's taking 6 days to process. I want to make one thing clear my friend -- THE CARD IS ALREADY ACTIVATED WHEN YOU GET IT IN THE MAIL. Good luck. We both need it.

i went through the same thing with a 200 dollar card. the worst biggest lousiest company ever.

THE REASON FOR FEES IS BC YOUR A HIGH RISK CARD HOLDER! the fees are there bc u are trying to rebuild ur credt and they are at risk giving u a credit card!