Ive had this card for 4 months and only use it some, but so far eveythings going great. Builidng my credit has never been so easy as soon as i hit my 6th month im going to apply for a real credit card. This card has boosted my credit score 130 points.
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I made the mistake of obtaining this card, as the advertisement stated that it would help with poor credit, etc. However, this is one of those cards that charge extremely high interest rates as well as extraordinary fees on a MONTHLY basis. I received a $700 credit limit. I put approximately $600 on the card. I have made over $750 in payments to Premier and my balance is still just under $600. The monthly interest rate is approximately $60. With the numerous fees, the minimum monthly payment is about $140 (with a $600 balance). If you do not pay the full amount each month, Premier reports to the credit bureaus that you missed a payment. I have never missed a monthly payment, yet my credit report shows that I missed my last 3 payments. This card directly caused my credit score to drop 60 points. Please spread the word about the Premier Credit Card. I would hate to see anyone else get scammed the way I did. READ THE FINE PRINT.