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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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!!!