Is First Premier A Real Credit Card?

What credit score do you need for a first Premier credit card?

The Pros: Bad Credit and Bankruptcy OK First PREMIER is popular for its subprime credit card offerings, which cater to the poor-credit (credit scores below 650) consumer market..

Can you have 2 First Premier credit cards?

So if you don’t have that many cards and want a little more credit just pay your first premier on time and in a little over 6 months they can offer you a second one.

Can you take money off a First Premier credit card?

You can withdraw money from the First Premier Bank Credit Card as a cash advance. … If you take a cash advance, you’ll need to pay a cash advance transaction fee of $8 or 5% of the cash advance, whichever is greater. And, you’ll start accruing interest on cash advances immediately.

Does First Premier Bank report to all 3 credit bureaus?

Pros Explained. Card Activity Reported to Credit Agencies: First Premier Bank reports credit card activity to the major credit bureaus—Experian, Equifax, and TransUnion—each month. If you make all of your payments on time, this can help boost your credit score.

How many credit cards should you have?

To prepare, you might want to have at least three cards: two that you carry with you and one that you store in a safe place at home. This way, you should always have at least one card that you can use. Because of possibilities like these, it’s a good idea to have at least two or three credit cards.

What is the annual fee for First Premier credit card?

You can also arrange a payment by phone. The First Premier customer service number is (800) 987-5521. In addition to the one-time $95 processing fee, First Premier credit cards charge a $75+ annual fee the first year and a $45 annual fee each year after that.

Does First Premier increase credit limit?

You can apply for a credit limit increase on your First Premier card any time, but can’t receive an increase until you have been a customer for 13 months. Increases range between $100 and $200 and they will charge you 25% of the amount by which the limit is increased.

How do I check the status of my First Premier credit card?

James Bronzz, Working on my CPA You can check your First Premier credit card application status by calling 1-800-987-5521.

Should I close my First Premier credit card?

You can cancel your card anytime without a cancellation fee. If you do it within 30 days of receiving the cardholder contract, the program fee or any other fees charged will be refunded. Considering First Premier’s high annual and monthly fees and APR, cancelling this card is probably a good idea.

Is Premier Bank a good credit card?

The Verdict: The First PREMIER® Bank Mastercard Credit Card is a bad deal, even for people with “bad” credit, and it’s immediately obvious. You’ll have to pay First Premier $25-$95 for “processing” right off the bat should you, for some reason, decide to apply and ultimately get approved.

How can I pay my first Premier processing fee?

Payment options include a bank draft, personal check, money order, debit card, or another credit card. First Premier will not open an account until it receives the processing fee. If you receive a mail offer, you can respond to it from the First Premier website.

Will First Premier Bank credit card help my credit?

First PREMIER® Bank Mastercard Credit Card’s Highlights Fees reduce your available credit. For example, if your initial credit limit is $300, your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card.

Does credit one increase credit limit?

To get a Credit One Bank credit line increase, you can either wait for Credit One to automatically raise your limit or you can request a higher limit yourself. Credit One Bank will periodically consider your account for automatic credit line increases, typically after you’ve had a card for 5 or 6 months.

Is First Premier Bank Platinum Mastercard good?

The First Premier Bank Platinum card was not a good credit card and it is no longer available to new applicants. It had a very high-interest rate, annual fee, monthly fee, high credit limit increase fee, honestly, there was a fee for just about everything. Get a Discover it Secured or a Capital One Secured instead.

What is the best credit card for bad credit?

Best Credit Cards for Bad Credit:Secured Mastercard® from Capital One: Best for rebuilding credit.Discover it® Secured: Best secured card with rewards.Credit One Bank® Visa® for Rebuilding Credit: Best for flexible payments.Credit One Bank® Unsecured Visa® with Free Credit Score Access: Best for free credit score tracking.More items…•

How long does it take to get your first Premier credit card?

How long does it take to get my First PREMIER credit card in the mail? If approved, your card will be shipped to you in 7 to 10 business days.

What is a good credit card to build credit?

Best credit cards for building creditCategoryCredit CardBest Low DepositCapital One® Secured Mastercard®Best for International ApplicantsDeserve® Classic MastercardBest for StudentsDiscover it® Student Cash BackBest for Average CreditCapital One® Platinum Credit Card2 more rows

Is credit one owned by Capital One?

No. Credit One and Capital One are two distinct, independent companies. While they share some branding similarities and are both U.S.-based banks that issue credit cards, Credit One and Capital One have no direct affiliation. Capital One does not own Credit One, and vice versa.

Can I use my credit card right after paying it off?

Yes, if you pay your credit card early, you can use it again. You can use a credit card whenever there’s enough credit available to complete a purchase.

Can I pay my first Premier credit card at Walmart?

Making Payments with Cash You can make a cash payment at more than 100,000 locations, including Walmart, for same-day posting times. Call 1-888-818-7127 or visit and enter your zip code to find the payment location closest to you.

Can I pay my first Premier credit card with a debit card?

Yes, you can pay your First Premier credit card with a debit card, even with someone else’s debit card. To do that, you need the debit card account number and expiration date.