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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Made all payments on time for months. Then made a double payment to get ahead. Then, tried to log into my account a short while later just to check things out. Called customer service and was able to get in. I saw that one of the two double payments had been returned by my bank. Called Customer Service immediately, and they said that both of the double payments had been returned by the bank. I could see only one payment had not gone through, so I paid it on the spot plus the late fee. The other payment was showing as good so I said I would contact my bank and if it had not gone through I woud pay that as well. Within a few days received a letter saying my account had been closed due to excessive returned payments. Ok...so if it was a total of two returned payments, one of which I had already re-paid (plus late fee), that is excessive?? It turns out I made a mistake and selected the wrong bank account to use when I was making the payments. I had closed the account and should have used my new account. An honest mistake, which I had already partially corrected by making a new payment plus fee. Given that I had already been in contact with customer service, had repaid one of the returned payments plus fee (the second payment I had made was discretionary so I did not feel I needed to make it again unless I wanted to, and I didnt), and brought my account current, I consider closing my account to be total BS. Called Customer Service and they are useless. SO now, they want me to keep paying on a closed card. Well guess what? I told them to go to hell and send it to collections where I will then dispute it. Once it has gone to collections, I will sue the collection agency in small claims court after they fail to provide sufficent documentation to support the claim - which they almost always fail to do. Nine times out of ten the collection agency will not be able to provide enough documentation to satisfy a court, and they are forced to stop reporting the debt to the credit agencies.
The moral of the story is, this is first of all a very expensive card to own and use. Second, any card that will cancel your account over one returned payment, or even two if you count the extra payment I made which was totally discretionay on my part, is garbage. All this company wants to due is suck as much money as they can out of you with their outrageous anuual fee and outrageous interest rates. They are targetting you, if you received an offer, because they know you have little or no credit and are desperate. Dont do it. There are better ways to build your credit. If you get the card, I guarantee you will come to regret it. remember you were warned!