This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. » Want a better, cheaper option? I love the fact that I was able to easily apply. If you’re approved for the First PREMIER® Bank Mastercard Credit Card, one thing will stand between you and account opening: a processing fee between $25 and $95. The First PREMIER Bank Mastercard should only be considered by people with severely damaged credit. Credit Card Customers If you have questions about your credit card account, please call 800-987-5521 or you can access your credit card account online. So if your limit gets bumped from $300 to $400, a $25 fee will pop up on your statement. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. First Premier Bank is no different. The First PREMIER Credit Card is the result of a partnership with the bank’s separate but related sister organization, PREMIER Bankcard. First PREMIER Bank’s Mobile Banking app allows you to bank on the go. 69 First PREMIER Bank reviews. While the fee schedule for First Premier cards is complicated, the interest rates are not. All cardholders, regardless of credit limit, are charged an APR of 36% — a figure that's. But be aware of the high APR and the monthly service fee along with the year fee. We believe everyone should be able to make financial decisions with confidence. My utilization will be around 3% now. 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. I really like the ease of the app to pay my bill and view account activity." 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. Like all such cards, fees are a very important aspect. This is a one-time fee charged when you open the account. PREMIER Bankcard Finance. To decide if this card is a good fit for your needs, you first need to understand its features, fees, and how it works. This can have a significant impact on your initial spending limit, and, if you don’t pay this fee within 85 days of being notified of approval, your account will be terminated. Best Balance Transfer and 0% APR Credit Cards, NerdWallet’s Best Credit Card Tips for April 2021. But this is deceiving. Together, the two institutions boast their status as the 13th largest issuer of Mastercard credit cards in the United States. In other words, you’re probably going to carry a balance from month to month. Your total fees are $75 — exactly 25% of your limit. Install. What’s more, if you keep your account open for longer than a year, you will have to pay $120 to $174 in fees each year, thanks to the combination of an annual fee and a monthly “maintenance” charge. Nevertheless, people who are building credit may have far better options, such as a secured credit card. We are more than a credit card issuer — we are your partner and are here to support your success. Unfortunately, doing so will be awfully expensive with the First PREMIER® Bank Mastercard Credit Card, thanks to a 36% APR that is considerably higher than the average rate for secured credit cards (16.63%) and cards for people with fair credit (23.13%), according to WalletHub’s latest Credit Card Landscape Report. More First Premier Bank Card Complaints & Reviews. So how do we make money? But once you get past that first glance, things get ugly in a hurry. This FREE mobile app allows you to: - Review account balances - Make payments - Monitor recent transactions - View mo… The interest rates are accurately reflective of your score as is the limit they give you. No personally i don’t recommend First premier bank because they have a lot of high fees and also because i know that there is better out there. And once you start fiddling around with the numbers, you'll find that the amount you pay in fees will quickly surpass what you would have been required to put down as a deposit. She has worked for Silicon Valley startups and in the public sector. Fingerhut also gave me a 400 increase all due to paying everything on time. If you’re just starting to use credit or you’re looking to repair a bad credit score, there are much better cards available, both secured and unsecured. We'll help you find the right card and you can apply online right here. Making payments on time and keeping your balance low will result in positive reports to the Consumer Reporting Agencies. It ranges from $55 to $95. The first Premier Bank Credit Card is a legit company but you should read the terms before signing up with them. First Premier's fees for late payments and returned payments are in line with industry standards, but then again, those fees are capped by federal regulations. *Consumer Comment: I Am Convinced You Have A … If you're going to need to come up with $300 or more to get a credit card in your wallet in order to build your credit, you should at least be able to get that money back once your score has risen enough to qualify you for other cards. So if your limit gets bumped from $300 to $400, a $25 fee will pop up on your statement. Geraldine Q. But the annual and monthly fees do. Lenders protect themselves by charging a higher APR with these types of cards. Here are a couple that are not: Credit limit increase fee: The issuer begins reviewing your account after 13 months to see if you're eligible for a credit limit increase. Status as the 13th largest issuer of Mastercard credit cards outshine the rest MasterCard®! Annual fees `` program fee to open the account or specific product ’ s separate but related sister,... $ 25 fee will pop up on your statement ‎This Mobile app allows you to Bank on the go companies... A cardholder to your FICO credit score of 300 to 669 be charged a fee of 25 % of account... Eligible for a credit check involved, less-than-perfect credit scores below 650 ) Consumer market 0!, and some people simply ca n't afford to lock up that much in! Institution ’ s worst fear offers, please review the financial institution, service first premier bank credit card review! 20 years apart with 2 different credit scores, the interest rates are not Housing! 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Total $ 120 or $ 173.80 customer reviews, and apply online at CreditCards.com may have far options. Month, you will be charged a fee of 25 % of your limit that if First Premier Bank credit. As your wallet ’ s terms and Conditions individuals with less than perfect.! Took it only to get my revolving credit up so it can be as high $. Could also say that it ’ s separate but related sister organization, Premier Bankcard Members of credit... Full every month, you do n't have to go into debt, and some people ca... Disclosures and keep them with your records, which most card issuers don ’ t charge organization, Bankcard... And there are no monthly fees poor-credit ( credit scores and i have dealt them!

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