First PREMIER® Bank Reviews

2.1 out of 5 stars
63 Reviews

From Account Holders in the last year


Application Process

3 out of 5 stars

Customer Service

2 out of 5 stars

2 5

Most Helpful Positive Review

Jan 08, 2017
Do what I did...And rebuild your credit
Anonymous Account Holder

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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Most Helpful Negative Review

Mar 12, 2013
Horrible card stay away from
Anonymous Account Holder

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.

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These reviews were written by current and former account holders in the last year.

May 21, 2017
This card will do
Anonymous Account Holder

The only issue I have with this card is if one card is over do they lock all your accounts  

easy fix  I had the make both cards do at the same time and yes I pay on time  or b4 the do date now  lol

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May 20, 2017
Helps re-establish your credit.good
Anonymous Account Holder

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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May 17, 2017
work with you to a point
Anonymous Account Holder

when payment is due you better make it

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May 07, 2017
cubbee65 Account Holder

This is the WORST card ever they charge you a percent of charges that you dont  even make becasue byt the time they take out this and that you have nothing left to spend every month they charge me anywhere from 14.66 to 14.95 of interest like I said on purchases not ever make, DON'T EVER GET THIS CARD EVEN IF YOUR TRYING TOO BUILD YOUR CREDIT, THERE ARE OTHERS THAT ARE BETTER..

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Apr 22, 2017
Good if you are willing to play by rules
Kelbert6677 Account Holder

I have had 1st Prem for about 2 years ( second one I got about a year after the first one) and both are at $700 now..  It is my first credit card since rebuilding my credit.  They did charge me for the first CLI of $100 at 25%.  I made up my mind to pay them off and be more responsible with my money.  I paid them off and put the cards away about 5 months later (January 2017).  I needed to rent a party bus and put the charge on this card and immediately paid it off before the next statement closed.  Fast forward to earlier this month (April 5th 2017) they have increased my limit $300 without the fee.  The letter said as a reward for my good credit and responsible use I was getting a $300 credit limit increase without the fee.  My credit score on my bill was 685.  As for the cards I currently hold...(many of them so I'm trying to get everyone of them down to zero balance and only use 1 or 2 at a time) Discover It Chrome 0% interest,. AMEX Blue Cash Everyday, CITI Costco 0%, Creidt Union Visa Card, Merrick-non-secured and Capital One Quicksilver.  

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Apr 20, 2017
Overall not a bad card.
mizvargasr Account Holder

Yes! With all the fees they hit u at, high Apr % rate, initial fee, annual fee, monthly fee after first year. This card is not all bad. This is the only card i was aproved for because i had really bad credit, but yes this card helped my credit and to a point where i was qualified for better credit cards. Those who don't understand credit, credit is something you have to work for it. Thats why i was where i was before with bad credit, didnt know how important it was. I never had a problem with this card, i always made my payments on time in full of the balance i had on the statement and never use more than %30 than your credit limit. Over all this card is not all bad. You need to start from somewhere and this card will help your credit score.

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Apr 17, 2017
Do not get this credit card!!!
PB67 Account Holder

This is the worst mistake I ever made. I can't close it because I am rebuilding my credit and don't want my credit score to go down. I pay $8.25 maintenance fee on this card whether there is a balance or not. I pay an annual fee of $49. I started out with $99 annual fee. You can make a $50 payment on this account with a $300 balance and only about $21 dollars is applied to the balance. You will never get this card paid off with all the fees. It's ridiculous. I recommend anyone trying to rebuild your credit to try a prepaid account. Do not use this company EVER!!

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Apr 09, 2017
A fraud!
VJays1 Account Holder

I opened my account with them almost a year ago. I have been on time with my payments. I get a message from them saying that my last credit card payment to them was "suspicious" and they needed all of this crazy information in order to keep my account open. They asked for something from my bank with my account number, my name, that it was a personal account and something with the payment I made listed on it and with my whole debit card number listed. My bank refused to give me anything with all of that information listed on it. My own bank said it sounded like a scam. I then called first premier and told them my bank refused to give me anything with all of the information they asked. I sent them a copy of my bank statement which had the charge to first premier listed on it. And I have them a copy of my debit card with only the last 4 digits exposed and they closed my account. I still don't understand what they mean by suspicious payment. I paid with the debit card that I used to pay the bill every month. It's my account. My card. The bank is a rip off. Don't get a card with them!

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Apr 07, 2017
Worse than a loan shark!!!
Anonymous Account Holder

monthly fees,annual fees, service fees, beyond high intrest rates. Stay far away form this cc company

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Mar 24, 2017
Tony335 Account Holder

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!!!

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