topic First Premier Hilarity in Credit Cards

First Premier Hilarity

keithbward — Fri, 06 Feb 2015 17:10:35 GMT

So I got a First Premier mailer the other day and it said I was pre approved for $400. At this time last year, I honestly would have had to jump at the chance since my profile was in the dumps. It was just funny because they are now apparently issuing cards with chips. Just thought I would share that.

Re: First Premier Hilarity

Anonymous — Fri, 06 Feb 2015 17:13:33 GMT

@keithbward wrote:
So I got a First Premier mailer the other day and it said I was pre approved for $400. At this time last year, I honestly would have had to jump at the chance since my profile was in the dumps. It was just funny because they are now apparently issuing cards with chips. Just thought I would share that.

They send the $700 preapproval mailer here with the generous $175 AF.

No thanks.

Re: First Premier Hilarity

chalupaman — Fri, 06 Feb 2015 17:17:10 GMT

Make an effigy of it and burn it to the ground next time you get one of those.

Re: First Premier Hilarity

joeyoey — Fri, 06 Feb 2015 18:47:27 GMT

I got one in the mail yesterday from some place I've never even heard of before. I think they wanted $150/yr with a $50 activation fee and 29% interest. Like you, a year ago I might have been tempted!

Re: First Premier Hilarity

Anonymous — Fri, 06 Feb 2015 19:05:18 GMT

I just got through writing a post for some insight because I am wanting to get rid of them but do not know if at this time it will be beneficial to me. I did not let my son take their card and it is a good thing you didn't.. Way too go!!!!

Re: First Premier Hilarity

Anonymous — Fri, 06 Feb 2015 19:39:58 GMT

@keithbward wrote:
So I got a First Premier mailer the other day and it said I was pre approved for $400. At this time last year, I honestly would have had to jump at the chance since my profile was in the dumps. It was just funny because they are now apparently issuing cards with chips. Just thought I would share that.

LOL, had a similar mailing about two months ago. I simply had another beer and to the shredder it went.

Re: First Premier Hilarity

Anonymous — Fri, 06 Feb 2015 20:56:08 GMT

As a litmus test, I've learned to completely disregard any card offer that comes with the disclaimer, "This IS a credit card, not a prepaid debit card!"

Re: First Premier Hilarity

nyancat — Sun, 08 Feb 2015 07:33:34 GMT

@keithbward wrote:
So I got a First Premier mailer the other day and it said I was pre approved for $400. At this time last year, I honestly would have had to jump at the chance since my profile was in the dumps. It was just funny because they are now apparently issuing cards with chips. Just thought I would share that.

Old-ish news, First Premier has been issuing chip cards for awhile now. In fact, with Discover, I believe EVERY major issuer in the US is now issuing chip cards (though only a few - like American Express - issue them on every card).

However, chip cards don't improve security much without merchants support, which is almost entirely missing in action.

Re: First Premier Hilarity

ways2go — Sun, 08 Feb 2015 15:11:29 GMT

The only retailer around here that supported the chip was walmart. It required you to put the card in the slot at the bottom. Then about 5 months ago, it all stopped in requiring it.

Re: First Premier Hilarity

nyancat — Sun, 08 Feb 2015 15:30:46 GMT

Walmart had a combination of technical issues and refusal to use the chip by the type of people who shop there. My understanding is that they will re-enable chip enforcement before October. You can use chip credit (but not debit) cards at Walmart. So you still should insert your card. At the least it keeps you from being skimmed there if they get breached. It also increases their chip use stats which could only help in convincing them consumers want it enabled.

Re: First Premier Hilarity

negg — Mon, 09 Feb 2015 00:42:04 GMT

Two weeks ago I got a first premier AND CSP Pre approved mailers. Lol. Too funny.