First PREMIER Bank Secured Visa

47 ratings (41 Epinions reviews)
Epinions Product Rating: Disappointing
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    Highest Rated Consumer Review by the Community

  • Second Chance? For some but at a high cost! But you have to start somewhere.

    Sep 27, 2001 by
    Rated a Very Helpful Review
    Pros: A way to re-establish one's credit.
    Cons: High fees, charges for everything!

    Summary: Credit Cards? We all have them! But at what price do we pay! With First Premier a big one! Last year (2000) we got a First Premier credit card. Why? Because we were stupid that’s why! But, in our position, we had to re-establish our ... read more

  • Crap Company dont do it!

    Jan 10, 2013 by
    Not yet rated.
    Pros: You get a CC that will report if you pay on time
    Cons: All the fees and how they update your purchases

    Summary: I just got my card the other day and for whatever reason when you make a purchase it doesn't automatically show on your statement. My bank card knows every time that I have made a purchase I can go online immediately and it will tell me that I just ... read more

  • No matter how desperate you are NEVER EVER get a First Premier Bank credit card!!!

    Oct 24, 2012 by
    Not yet rated.
    Pros: NONE
    Cons: Anything you can think of!

    Summary: This is the worst credit card imaginable.  I decided to get this card when I was in a financial bind.  My electric bills had been extremely high throughout cold winter months, they were threatening to disconnect it, and I did not have enough ... read more

  • Good Experience So Far

    May 24, 2010 by
    Not yet rated.
    Pros: Improves your credit if used properly
    Cons: Start up fees can be killer if you're not prepared to pay them up front

    Summary: I received several offers from First Premier before I committed. Each time I didn't respond the offer got better. Perhaps because I was improving my score elsewhere. My experience thus far has been fine. I have had no problems with them. Although I ... read more

  • You are better off without this card...take it from someone who knows!

    Apr 9, 2010 by
    Not yet rated.
    Pros: Having a credit card in a pinch.
    Cons: Fees, payment availability, zero credit line increases, fraudulent advertising, and illegal credit card practices.

    Summary: My husband and I got this card to rebuild our credit. We were approved in 60 seconds online at a whopping 79%. (reread 79%!!) We received our first bill in the mail before we got the card. The card was almost maxed out with their crazy start-up fees. ... read more

  • Don't Do It!!!!!!!

    Feb 26, 2010 by
    Rated a Helpful Review
    Pros: You have a credit card
    Cons: Tons of fees
    More fees
    Even more fees
    Confusing website
    Pushy representatives
    Impractical business

    Summary: Me being a young naive college student that needed help building my credit I got this card thinking it would help me...... $300+ it hurt me. They send you the card activated (i guess so you wont have buyers remorse and not activate it) and its LOADED ... read more

  • my first premier experience

    Jul 17, 2009 by
    Not yet rated.
    Pros: most apps approved
    reports to all credit reports,
    gives 5% payment credit
    Cons: fees for website payments, credit increases, annual fees
    website is not exactly user friendly

    Summary: in 2004, i was laid off from work and barely scraping by.  First premier sent me a pre approval notice for the gold card and i thought, well, at least its something.  I knew my credit was bad and only getting worse, so i got the card "under ... read more

  • COLLECTORS DREAM-1ST Premiere Bank

    Sep 25, 2008 by
    Rated a Helpful Review
    Pros:

    I have no pros for these companies who prey on the impoverished.


    Cons: I have no cons for these companies who prey on the improverished.

    Summary: As a former collector I am experienced with these fraudulant companies such as CAPITOL ONE AND 1ST PREMIERE BANK CREDIT CARDS. These companies prey on the unsuspecting comsumer and hand out cards to anyone. No credit required. They collect on the ... read more

  • If you enjoy shoddy phone trees and poor customer service go for First Premier Bank

    Sep 19, 2008 by
    Not yet rated.
    Pros: Could be helpful in rebuilding a low credit score
    Cons:

    High fees, annoying phone tree, poor customer service, payments average 3 days to process


    Summary: I have been using First Premier Bank for the past 6 months with the plan of increasing my credit score. The opportunity to improve a credit rating through establishing positive credit is generally a good idea. However, the phone tree has consistently ... read more

  • Horrible company

    Jul 22, 2008 by
    Rated a Helpful Review
    Pros: About half of the customer service reps are kind and helpful.
    Cons: Everything dealing with the actual company.

    Summary: My identity was stolen, and I've been receiving calls from reputable companies (discover card, etc) about accounts trying to be opened in my name. So I ordered a credit report, and find a credit card issued from First Premier Bank (a company I never even ... read more

  • First Premier Bank did well by me

    Apr 18, 2008 by
    Rated a Very Helpful Review
    Pros: A way to reestablish your credit if you have no other way,low interest rate.
    Cons: Too many fees, initial low credit limits and sometimes stingy with increases.

    Summary: Like some of the people who have given reviews, my credit due to a divorce was in the toilet. I had received mailings from First Premier a number of times before and would throw them away after reading what the fees were. In September of 2005 I had no ... read more

  • Like paying excess fees? You'll LOVE this card

    Oct 11, 2007 by
    Rated a Helpful Review
    Pros: Payments are reported to bureaus Customer service okay
    Cons: Fees Does it make sense to charge someone to make a payment?

    Summary: I received this card almost a year ago. I read all the fine print, so I knew what I was getting myself into as far as set-up fees. I didn't like the deal, but I really needed to try to rebuild my credit. I got my card and kept up on the payments, ... read more

  • First Premier Bank is Not What they say they are!!!

    May 29, 2007 by
    Rated a Helpful Review
    Pros: Treating their customers like they are one of the family.....Crooks that is!!!!!
    Cons: They are great in deception, high fees, and slow credit increases.

    Summary: I had a First Premier card for almost three years and I also thought I was one of the ones that happen to have a good experience with them. I was so wrong. I used my account number online to make two payments on my account and it was entered in wrong. ... read more

  • Want To Be Stolen From...Call First Premier Bank

    Feb 2, 2007 by
    Rated a Helpful Review
    Pros: You can say you have a credit card.
    Cons: Poor Customer Service, Poor Recording of Payments, Hidden Fees, Low Credit Balances, Payment Fees,

    Summary: I could go into a long story but I want this to be purely beneficial to the reader. DON'T GET A FIRST PREMIER BANK CARD!! They charge you a minimum of $7.00 up to $11.00 to make payments. They hold your money for up to 30 days before crediting your ... read more

  • Don't do it

    Apr 17, 2006 by
    Rated a Helpful Review
    Pros: None that I can think of unless you can't get credit anywhere else.
    Cons: HIGH FEES!!

    Summary: I just got my Premier Visa in the mail. I was approved for a credit limit of $250 and after their outrageous fees, my available credit limit was $72. The day after the card arrived, I received a bill in the mail (of course I hadn't charged anything thus ... read more

  • DON'T SIGN ANYTHING...shred shred shred

    Oct 27, 2005 by
    Rated a Helpful Review
    Pros: NONE WHAT SO EVER
    Cons: EVERYTHING about this card and offer is a BIG joke people!

    Summary: What a joke! My wife got the "Pre-Approved Gold MasterCard” in the mail today. She asked me to read it over and see if it was worth applying for. Boy am I glad I did! We are going on a nice vacation this year with money we have saved for years. My ... read more

  • First Premiere Loan Sharks?

    Jul 31, 2001 by
    Rated a Very Helpful Review
    Pros: I suppose if your credit is bad, this card could prove helpful.
    Cons: Ridiculous, hidden fees.

    Summary: I'll admit I made a hasty decision. The credit card offer arrived via e-mail. My credit is good. So is my husband's. But on a whim I decided to apply to give myself the cushion of an extra credit card. This was probably one of the most foolish ... read more

  • I back this card

    Jul 3, 2001 by
    Rated a Helpful Review
    Pros: Providing credit when credit is hard to obtain.
    Cons: Credit limit increases could be set higher.

    Summary: My experience with First Premier has been, for the most part, positive. Customer service is good, no problems using the card, etc. The only drawback I've found is trying to determine my actual available credit via phone. If you have a standing charge to ... read more

  • I have a First Premier Secured Visa Card and I love it.

    May 27, 2001 by
    Rated a Helpful Review
    Pros: They give people a chance that either have no credit or bad credit.
    Cons: Their increases are very tight. It takes a while to prove credit worthiness.

    Summary: I just wanted to give you my opinion on the First Premier Secured Visa. I originally applied for their Unsecured Visa but after checking my credit I did not qualify. However they did offer me their secured card with a 200.00 minimum deposit. I mailed ... read more

  • I couldn't Believe They Think You'd Fall For It!

    May 21, 2001 by
    Rated a Very Helpful Review
    Pros: None that I can see...
    Cons: Everything about this card

    Summary: My husband received the application for a charge card from the First Premier Bank recently. He was about to sign it and send it in for a "No savings or security deposit...send no money...no forms to complete" card when he decided to read ... read more

Showing 1-20 of 41 reviews
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