cancel
Showing results for 
Search instead for 
Did you mean: 

First Premier Bank

Frequent Contributor

Re: First Premier Bank

Oh no. I can't apply for a Orchard Bank card because it's HSBC. I have a 4 accounts with them that are delinquent from 2002...
 
Im running out of choices here..
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Message 11 of 17
Established Contributor

Re: First Premier Bank

I would stay away from FPB. I have 2 cards now which I've had for years. The fees are outrageous and it is difficult to obtain a CLI.
 
I am only keeping them because I don't want to close them but am keeping the balances close to $0.
(04/21/08): TU683, EQ670(5/10), EX701(5/4)
(11/24/07): TU681, EQ671, EX684
(07/07/07): TU578, EQ572, EX583
Message 12 of 17
Established Contributor

Re: First Premier Bank

step away from the application with you hands in the air....
Message 13 of 17
Frequent Contributor

Re: First Premier Bank

I threw it away already.
Thanks
 
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Message 14 of 17
Valued Contributor

Re: First Premier Bank

Right now you've got a secured card, and a small loan with your Credit Union.   What I would do is just chill for a few months, use your card wisely, pay in full or leave the 1-9% utilization, pay on your loan. and let your card and loan work for you.  It's all about patience.  You don't want to go on application spree especially if you still have a bad credit score.   Just wait a few months and with good on time paying better offers should be right around the corner.
Message 15 of 17
Frequent Contributor

Re: First Premier Bank

Thanks BOSWD. I'll hold off on everything for a while.
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Message 16 of 17
Valued Contributor

Re: First Premier Bank

Yeah, I think that's the best bet.   I was in a similar position about a month and a half ago.  I started seeing some major improvement on my credit score,  got approved for the $99/$500 BoA card and the Ochard Bank unsecured $300 CL .   and I wanted to apply for maybe one more but thought better of it since I am way to fresh out of horrible credit and just didn't want anymore dings.    Just want the cards to work for me.
Message 17 of 17