First PREMIER® Bank MasterCard® Credit Card Reviews

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Title: Mixed Feelings/Just To Rebuild
Date Reviewed: 2015-01-15 01:20:50 | Recommended?: Yes

Review: I recently obtained this card a few days ago. Applied on December 12, 2014...was approved on December 31, 2014, and received the card on January 12, 2015...so a one month turnaround. I thought that was a little long, but I will admit I had one of these years ago, and I defaulted on the account, so I believe they were contemplating whether or not to give me second chance. I am grateful that they did... This is the standard card. It came with a $75 processing fee, which I had to pay to open the account, which now I see at there website the fee is $95, so they must of just raised it or I just got lucky and saved $20...also a $75 annual fee for the first year, which was billed to my account, which I already paid via debit card, so now I have the full $300 starting credit line available to me and a zero balance. The debit card payment I did over the phone and it was free, you just can't set up the same day, or there is an $11 fee for that(ouch), so I just picked the following day, and it posted at midnight, and is available to use, no payments holds. That is how I'll make future payments, as their website says EFT payments can take up to 20 days to release your available credit...way to long! No other fees for the first year. Can't carry a balance at 36% APR...always Pay in Full. Year 2 annual fee drops to $45, but then the good old monthly participation fee kicks in at $6.25 a month...I just bit the bullet on the fees to rebuild credit. It is already reporting on my credit report! Score has risen 60 points this past month, as I have opened a few new accounts to start to repair poor credit. I am done for now, satisfied with the accounts I have obtained. I will have 4 major credit cards reporting, plus a Fingerhut account as well. It looks like I can get a CLI after month 13, but a fee will be charged, 25% of what ever it is...oh well, but bad credit is MY FAULT, I accept that, so I have to pay the price, but I am grateful for the second chance. I will use the card for everyday items and see how it goes. I didn't like the fact that my card come to be ALREADY ACTIVATED. I didn't have to call them at all...that just seemed odd to me, not very secure in my opinion, but nothing happened fortunately I received it just fine. Also it said they will charge me a one time fee of $4.95 to access my account on-line, although that has not occurred as of yet... This was an expensive card, but a lesson to me for past bad behaviors. I hope my review helps someone out there, and I will certainly report future experiences.




Title: Approved $300
Date Reviewed: 2013-04-10 01:08:04 | Recommended?: Yes

Review: Approved for $300 overall okay fee's are very high but need the good tradeline on my credit report best of luck everyone




Title: $200 Credit Increase
Date Reviewed: 2013-01-02 12:42:56 | Recommended?: Yes

Review: My husband has had this card for a year and received an $200 increase for good payment history. I know they have alot of fees, but we are rebuiling our credit and this card does help. Also offered there platinum card. Plan too use for two years and then close it.




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