I am writing this review to let everyone know its OK. It really is. I got this card back in May 2015 and cancelled it January 6, 1017. I kept this card approximately 1 1/2 years. When I first applied for this card my credit was terrible. But, they approved me for a $300.00 limit. And, at the time of approval I was very grateful. The first thing I did was set up an online account for the purpose of making payments. Most importantly, I made all payments on time (making sure to pay a few days before the due date and paying in full when I could.) Never any issues with customer service or payment receipts. They really do help to rebuild you credit because payments are reported to the 3 major credit bureaus every month. I cancelled the card because, I now qualify for high limit, no interest credit cards without annual fees and First Premier does not provide credit line increases with out a charge. So do what I did...use the First Primier credit card as a tool to re-establish your credit. And, everything else will fall into place. Keep in mind, this is not the card for people with excellent credit so use it wisely and responsibly
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I've had this card for 14 months now I had to reestablish my credit from my divorrce from my wife I have this card and 1 other to try to get back on track and I can say this card is the worst card in the world and the company is nothing but about the money. The interest rate is 36% $99 annual fee and a d*** 15 per month maintanence fee what a rip off stay as far away from First Premier as possible.