1/2/2024 0 Comments First premier credit cardBut I needed to qualify for my mortgage loan and it freakin worked. Yes, I did pay an initial fee to get the card. I personally chose to have an unsecured card from a "predator" vs a secured card. I am not closing my account as I do not have the fees incurred others have pointed out. A predator is a predator, and is not doing anyone any knew some people didn't have good experiences.dang. ![]() I don't think you should stay with them, and I wouldn't recommend it to others. I only have a $300 limit but it is sufficient for the purpose. I went credit cardless from 2015 to 2019 while cleaning off things that were fraudulent. I got the card initially to rebuild my credit score up after going thru a theft and identity theft back in 2015. I have not had any bad experiences with them. Only if there is no other choice (or you hate have had my First Premier credit card for about 2 years now. You can get secured cards from major issuers, and even Credit One has started some more decent cards. This is not a "we are there to help you" value proposition. with a $500 CL a one time $95 fee + first year $125, reuducing to $49 but then adding $124.80 a year in monthly fees!Īfter that, $124.80 annually ($10.40 per month) They could instead do more checks to see if the person is "ready" if they were really altruistic. No, they charge a fee for a CLI because they want the money. " That is why they offer a CLI for a fee. ![]() Some of the comments remind me of what cult leaders say! Remember, this card is just a starting/restarting point so if you know of anyone who needs that first card, tell them about First Premier.Īn interesting view of a company that here is considered (quite correctly IMO) as a fee harvester operation. I am keeping the card instead of closing the account but I am grateful they allowed me the starting credit card to move ahead. I have went on to get other cards at higher limits (and I am very responsible by paying off the balance each month before it is due). I have to say that I honestly appreciate their philosophy. ![]() They want to make sure that person really knows the responsibility that comes with it. They consider themselves just a stepping stone. Did you know the owner created the credit card just for people who were starting or rebuilding their credit? His whole goal was/is to help folks to on the right path of credit without making grave mistakes (getting over their heads) and that his card would lead customers to build their scores to get the other credit cards out there. I called First Premier with an account question and ended up having a great conversation with them. I have had my First Premier credit card for about 2 years now.
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