I have had this credit card for almost 3 years, and the only reason why I have not cancelled it is because they CONSISTENTLY report to all 3 credit bureas. My credit was A MESS! I was young and stupid with credit, and I got myself wayy in over my head. This card has helped me build my credit up from a 400 to a 750! I pay off my balance pretty quickly and because its a usually just a 300$ credit limit it is easy to do so, yes the interest rate is high, as with every other loan or card offered to someone who has bad credit. I don't really use this card ever anymore, I just pay the monthly 6$ fee and I'm thankful for the positive reporting first premier does for me, pretty much we are paying them to report that we have an open account in good standing and show payment activity. And thats that. I have been able to take out personal loans from my bank with low interest rates, I have cards with Chase, Capital one, and other store cards.
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Terrible customer service, lousy posting practices and a nightmare if you report fraudulent activity. To compound the felony, they make you jump through hoops and still do not correct the problem.
STAY AWAY FROM FIRST PREMIER BANK. IT IS A RIP-OFF!!!