Credit Card Center Advertiser Disclosure

New Visitor
Posts: 1
Registered: ‎08-12-2017
0 Kudos

First premier

I just open a first premier card and got it in the mail today. I activated it ,attempted to make a purchase online that I canceled. Then went to call them check my available credited and it said I had none. But I haven't spent anything and I just got the card today. Is this what happens when they block the card?
Community Leader
Super Contributor
Posts: 9,905
Registered: ‎07-17-2013

Re: First premier

[ Edited ]

Hi and Welcome to the forums!!

What was your credit limit? FP usually has fee's to open the, by the time you active the card, your credit limit is like half.

So, depending on your limit, and the initial fee's to open the card, your purchase may have gone over the available credit left on your card.

How much was your purchase?


and, once you make a purchase, and then cancel it, sometimes it take 24-48 hours to reflect that. 

(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Established Contributor
Posts: 933
Registered: ‎01-15-2017

Re: First premier

Before you go any further read up on 1st Prem. There are much better cards out.  

New Contributor
Posts: 54
Registered: ‎05-09-2017
0 Kudos

Re: First premier



I believe you should have read the TC of this card/bank before even trying them out. As many of member had mentioned before, stay away from this type of cards. There are so much more better cards. 

T28 | Citi (TY Premier, AA Platinum Select, Double Cash, Diamond, Home Depot, Bestbuy, Macys Rewards, Macys AmEx, Costco) Chase (Ritz Carlton, Amazon) Comenity (A&F, JCrew) WebBank (Fingerhut) Capital One (QS One, Venture) Discover (It Chrome) PenFed (Power Cash) American Express (Green, Blue, Blue Cash, Gold Delta, PRG, Platinum Delta, Green Business) Bank of America (Cash Rewards, Travel Rewards) Synchrony (Walmart MC [AU])

Scores (8/17) TU 799 EQ 797 EX 799 ♦ Goal Scores 800+
New Contributor
Posts: 170
Registered: ‎08-14-2016
0 Kudos

Re: First premier

Welcome to First Premier, one of two **bleep**tiest lenders on the planet. Other one is Credit One(not Capital One). If you look at your account you will notice most of your credit line has gone to fees and depending on your initial credit line that can be a huge part of it. Most real lenders do not charge you any fees to open acounts and the ones that do only offer a annual fee. First Premier and Credit One however like to charge for anything under the sun. I recommend closure and starting by finding a real lender.

TU:760 07/08/17 Synchrony--EX: 747 08/03/17 Discover--EQ:756 06/27/16 Citi--Gardening since 08/01/17
Bank of America Bankamericard (Better Balance Rewards MC, Cash Rewards VS), Blispay V, Capital One Quicksilver VS, Chase(AARP VS, Amazon Prime VS), Citi Double Cash WMC, Citizens GreenSense MC, Discover It, FedEx Employee Credit Association V, Paypal Credit, US Bank Cash+, Walmart MC
Wishlist: Chase Freedom, Citi Dividend, EBates, Marvel, Security Service Power Travel Rewards, Vantage West Connect Rewards

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.