I had filed bankruptcy and my credit was in the toilet - I needed to establish good credit again and this bank card helped me do just that. Yes, you have to pay to get started again, fees, etc. but it is better than not having credit which is something we need in this society. They were a great help to me in my time of need, but I have other cards with no high fees and annual payments. so I cancelled my cards. but thank Premiere for the help and support I needed it.
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This company did not report to credit services as should have. I made a large payment and switched banks( even updating banking information online) and they still processed my old bank. Which, when I called, they said I did not update ( which obviously was a lie because they also processed an additional amount from my current bank). They did not want to remove the fee they charged me! I told the agent that I did not think it fair that I have to pay the fee, but I would at a later date and I probably would close the account at that time too......A week later I found out they suspended my account! Then, the following week, they updated their status on my credit report saying account closed due to creditor and also put an over the credit limit amount that I had NEVER reached( which would look bad on my credit report to any future creditors)! I will be reporting this company to the BBB. They are in it to make money from people and the deposit you won't get back if you use this card. So beware!!!