cancel
Showing results for 
Search instead for 
Did you mean: 

First Premier... I Don't Think So !!!

New Contributor

First Premier... I Don't Think So !!!

So I come home from work today and find a pre-approval in the mail from First Premier Bank.

 

A generous $700 limit and only 36% APR Smiley Surprised

It gets better, they wanted a one time $175 setup fee and $18.75 monthly account service fee.


My shredder was well fed today !

Scores Credit Karma TU=697 Vantage 727 | WalMart TU=709 | CreditSesame Exp=739 | Exp. FICO = 739 Barclays TU=706 Discover IT = 702

Discover IT $14,900 | BJ's Perks MC $5500 | TD Bank Visa Signature $5000 | Capitol One QuickSilver One $1600 | Capitol One Platinum Prestige $3000 | Merrick $4000 | Walmart $50000 | PayPal CS $1400 | Fingerhut $1800 | OCCU Duck $5000 | SG Visa $2000
Message 1 of 11
10 REPLIES
Valued Contributor

Re: First Premier... I Don't Think So !!!


PCMedic wrote:

So I come home from work today and find a pre-approval in the mail from First Premier Bank.

 

A generous $700 limit and only 36% APR Smiley Surprised

It gets better, they wanted a one time $175 setup fee and $18.75 monthly account service fee.


My shredder was well fed today !


Great job Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 2 of 11
Super Contributor

Re: First Premier... I Don't Think So !!!

You know you wanted it ...Smiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 11
Moderator Emerita

Re: First Premier... I Don't Think So !!!

Message 4 of 11
Established Member

Re: First Premier... I Don't Think So !!!

LMAO...i fell in that trap...Got the $300 limit and after a year gotten 2 offers for a second card..NO WAY!!!  But the thanks to NFCU im closing them real soon. Its already paid off just waiting for my next monthly CR to show zero balance and then goodbye 1st premier. Smiley Happy 


10/17/14 MYFICO EXP: 705, EQ: 662, TRANS: 689, 10/06/14 WALMART T/U: 702, 9/18/14 USAA EXP: 748
TOTAL CREDIT: $90,850. GOAL: $100K


Message 5 of 11
New Contributor

Re: First Premier... I Don't Think So !!!

How can you pass on such an enticing offer?? Smiley Wink ........They are crazy!!

Message 6 of 11
Valued Contributor

Re: First Premier... I Don't Think So !!!


PCMedic wrote:

So I come home from work today and find a pre-approval in the mail from First Premier Bank.

 

A generous $700 limit and only 36% APR Smiley Surprised

It gets better, they wanted a one time $175 setup fee and $18.75 monthly account service fee.


My shredder was well fed today !


Ayyyyyyyy caramba! Been there, done that.

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 7 of 11
Valued Contributor

Re: First Premier... I Don't Think So !!!


PCMedic wrote:

So I come home from work today and find a pre-approval in the mail from First Premier Bank.

 

A generous $700 limit and only 36% APR Smiley Surprised

It gets better, they wanted a one time $175 setup fee and $18.75 monthly account service fee.


My shredder was well fed today !


Good For You, what a joke, LOL!!!!


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 8 of 11
Valued Contributor

Re: First Premier... I Don't Think So !!!

That apr is too low for me...I'll wait for a 49 percent w biweekly maintenance fee. Lol


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 9 of 11
Established Contributor

Re: First Premier... I Don't Think So !!!

Most know it isn't a good deal so why do people post about it? 

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Message 10 of 11