Reply
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: First Premier Credit Card

are we talking about the secured or unsecured card?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Member
Posts: 47
Registered: ‎07-24-2012
0

Re: First Premier Credit Card

I have a First Premier with a piddly 475 CL. I know it's a terrible card, but it's been a good card for me to establish some good history. I second a thousand times what everyone has said about paying in full if you do choose this sub prime card, otherwise the outrageous fees and interest will kill you.


Starting Scores July 2012: EQ FICO 645, TU FICO 636, EXP (CCT) 638
Feb 2015 Scores: EQ FICO 758, TU FICO 753, EX 749
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: First Premier Credit Card

If FP is all you feel you can get, then so be it. After my divorce and BK filing, I got FP Gold and Platinum, along with Credit one. I was very resposible with them and they served their purpose well. Have to crawl before you can run.


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
0

Re: First Premier Credit Card

I just have to friggin' laugh... I think FP has read our posts. Guess what showed up in my mailbox this morning...
$700 min, for the wonderful $175 initial, and $14 monthly....LOL!!!
SHREDDING TIME!!!

 

Next/only app to go is that damn HHonors....

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

Re: First Premier Credit Card

....almost forgot... @36%

Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: First Premier Credit Card

Honestly do not have any bad experiences with them. I dont like the fees they charge you upfront and i do not like the CLI fee they charge, but i got the card because that was the cost of me having limited history with credit and a few charge offs. I have better cards now. I plan on paying them and axing them this month. Im well off now


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: First Premier Credit Card


LS2982 wrote:
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.

Yup...I use my online bill pay to avoid the fees. When i got the card, i knew there were fees so i got on the ball and paid them so i could avoid late payment hsitory and the like. I knew i had to alot money to pay those by a certain date and wanted to make sure i could. At the end of the day, that is responsible credit building anyway.


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: First Premier Credit Card


LS2982 wrote:
Anyone can be successful with FP, you just have to be smart with usage and payment.

This should be a test for anyone looking to rebuild, if you can be responsible with this card you can be responsible with prime cards.

Exactly! My mother thought it was absurd, the fees and stuff....Bur guess what, i jacked my credit up and i was looking for another chance. It has served its purpose. I have no ill will towards them at all because NOBODY would give me a card except them and a secured CITI...Then i got a CAP1 months later.


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

Re: First Premier Credit Card


Sparkz1920 wrote:

LS2982 wrote:
Anyone can be successful with FP, you just have to be smart with usage and payment.

This should be a test for anyone looking to rebuild, if you can be responsible with this card you can be responsible with prime cards.

Exactly! My mother thought it was absurd, the fees and stuff....Bur guess what, i jacked my credit up and i was looking for another chance. It has served its purpose. I have no ill will towards them at all because NOBODY would give me a card except them and a secured CITI...Then i got a CAP1 months later.


You probably would have done just as well if you only took the secured CITI and you would have avoided the fees.

 

FP is very expensive and IMO most could find less expensive alternates. 

 

 

 

Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: First Premier Credit Card


Wolf3 wrote:

Sparkz1920 wrote:

LS2982 wrote:
Anyone can be successful with FP, you just have to be smart with usage and payment.

This should be a test for anyone looking to rebuild, if you can be responsible with this card you can be responsible with prime cards.

Exactly! My mother thought it was absurd, the fees and stuff....Bur guess what, i jacked my credit up and i was looking for another chance. It has served its purpose. I have no ill will towards them at all because NOBODY would give me a card except them and a secured CITI...Then i got a CAP1 months later.


You probably would have done just as well if you only took the secured CITI and you would have avoided the fees.

 

FP is very expensive and IMO most could find less expensive alternates. 

 

 

 


Took about 6 months after i got the FP to get the secured CITI...i tried for the BOA secured and the CAP1 secured and they denied me...and then i app'd for a CAP1 regular CC and they approved me about 1 month after. CAP1 is weird

 

Now i will say this, I should have cancelled the card long ago. I have had it for 3 years now with waived annual fees and a slight bump is CL but now it is time to say goodbye.


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.