First PREMIER Bank Secured Visa

Pros: A way to re-establish one's credit.
Cons: High fees, charges for everything!

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...

Pros: I suppose if your credit is bad, this card could prove helpful.
Cons: Ridiculous, hidden fees.

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...

Pros: None
Cons: Fees are outrageous, customer service is mean, nasty and rude

I received an letter from First Premier Bank in Sioux Falls, SD indicating that I had been pre-approved for an unsecured Visa and Master Card with a credit limit up to $1,000 each. I sent in the application including a non-refundable express fee of...

Pros: None.
Cons: "No processing fee" advertised but over $175 in fees charged up front. Total rip off.

This company is a total fraud. Their mailing states that you are pre-approved with "NO SECURITY DEPOSIT OR PROCESSING FEE!" (Emphasis theirs.) On the REVERSE of this piece of propaganda is a list of the processing fees they DO charge.
Account...

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.

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...

Pros: None that I can see...
Cons: Everything about this card

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...

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.

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 ...

Pros: None that I can think of unless you can't get credit anywhere else.
Cons: HIGH FEES!!

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 ...

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.

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 ...

Pros: About half of the customer service reps are kind and helpful.
Cons: Everything dealing with the actual company.

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 ...

Pros: NONE WHAT SO EVER
Cons: EVERYTHING about this card and offer is a BIG joke people!

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 ...

Pros: Payments are reported to bureaus Customer service okay
Cons: Fees Does it make sense to charge someone to make a payment?

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, ...

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.

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. ...

Pros: Providing credit when credit is hard to obtain.
Cons: Credit limit increases could be set higher.

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...

Pros: You can say you have a credit card.
Cons: Poor Customer Service, Poor Recording of Payments, Hidden Fees, Low Credit Balances, Payment Fees,

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 ...