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Contributor
Posts: 81
Registered: ‎11-05-2008
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First Premier Credit Card

I'm trying to rebuild my credit so I can purchase a house next year.  Has anyone had any experience with the First Premier credit card?  Can you tell me your experience?

Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
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Re: First Premier Credit Card

Stay away!! Try for a secured card (the fees of FP are equal to a typical minimum deposit), or try the cap one prequal site.

Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: First Premier Credit Card

Go with a big bank like Wells Fargo, Bank of America and Chase and get a secured card.  Stay away from these devils.

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Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
0

Re: First Premier Credit Card

+100000000

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: First Premier Credit Card

Do yourself a favor and stay away from FP, and Credit One. Go with Cap1 secured.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 190
Registered: ‎11-27-2011
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Re: First Premier Credit Card

What EVER you do, stay away from First Premiere............as others have stated, try someone else instead.......you'll thank us later lol


Starting Score:Equifax 543
Current Score:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650


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Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
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Re: First Premier Credit Card

Last famous words when using them.. "I'll pay in full every month..."
What's their APR up to now... 66%??? LOL...

Frequent Contributor
Posts: 262
Registered: ‎03-07-2009
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Re: First Premier Credit Card

OMG run for the hills!!!!! Run fast and don't ever look back! I can't say enough how you should stay away from these vultures. Good grief! Take the advice of everyone that posted prior to me. A secured card from a local credit union will do you beautifully. I wish I'd known about NFCU's secured card prior to applying for and obtaining a First Premier card. 55% APR????? Really???? Just run. 


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: First Premier Credit Card

In all honesty if you do PIF and use your bank account to pay on it there are no real fees out of the ordinary to deal with.

But most people that can only be approved for those type cards tend to not PIF and get those astronomical APR's applied to their balances.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
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Re: First Premier Credit Card

If you think about it, the average FP user doesn't survive past the second statement. The first half of the CL is fees? The latter portion is usually maxed out, and the second statement starts with, "We haven't recieved your payment, just a friendly reminder that we own your soul, and will be there to collect, harrass, annoy, belittle..."

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