topic Re: BEWARE OF FIRST PREMIER!! in Credit Cards

BEWARE OF FIRST PREMIER!!

App_Addict — Mon, 16 Mar 2015 00:22:25 GMT

They S*ck and and I mean they S*ck REAL BAD! My DW got them and it was one thing after another that they would do, to try to get fees! The last three things that made her close was, 1. She went to pay and it happened to be the last day on the due date. They said SORRY but it is after 7:00PM and you will be charged a $25.00 late fee! 2. Paid the next month in plenty of time, put the checking info. in and good to go...SO I THOUGHT! Noticed a week or so later that it did not post and I see a RETURNED CHECK FEE $25.00!!!!! I called and they said I must have put the info in wrong so they could not process!! **bleep**!!! I read it back to them and IT WAS RIGHT, but they said sorry, WRONG! How can they get away with this? So my DW told them to cancel right there. 3. They were VERY rude and just wanted to argue! After many, many attempts they did close it but the amount of money that they were able to get before, was unbelievable! I cannot imagine how many people they do this to! They are the worst of the worst! BEWARE!!! STAY AWAY!!!

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 01:02:04 GMT

Are we to take this to mean that you think First Premier sucks?

Re: BEWARE OF FIRST PREMIER!!

Shogun — Mon, 16 Mar 2015 01:03:22 GMT

@Anonymous wrote:
Are we to take this to mean that you think First Premier sucks?

I'm going to go out on a limb and say yes.

thanks for the input on FP!

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 01:11:13 GMT

I've had them for six months now. As I've been rebuilding and wasn't aware of this forum, I got approved for capital one secured and FP in October. Haven't had a problem with either one, knock on wood. As soon as FP hits the year mark and I also get a much better CC, I'm getting rid of it. It will have definitely served it's purpose.

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 01:11:41 GMT

I don't think he dislikes First Premier....

He HATES them!

Re: BEWARE OF FIRST PREMIER!!

Anomalous — Mon, 16 Mar 2015 01:16:18 GMT

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 01:22:05 GMT

@App_Addict wrote:
BEWARE!!! STAY AWAY!!!

You registered for myFICO in 2008 and you waited until NOW to tell us this?

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 01:24:11 GMT

Haha

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 01:34:35 GMT

@App_Addict wrote:
They S*ck and and I mean they S*ck REAL BAD! My DW got them and it was one thing after another that they would do, to try to get fees! The last three things that made her close was, 1. She went to pay and it happened to be the last day on the due date. They said SORRY but it is after 7:00PM and you will be charged a $25.00 late fee! 2. Paid the next month in plenty of time, put the checking info. in and good to go...SO I THOUGHT! Noticed a week or so later that it did not post and I see a RETURNED CHECK FEE $25.00!!!!! I called and they said I must have put the info in wrong so they could not process!! **bleep**!!! I read it back to them and IT WAS RIGHT, but they said sorry, WRONG! How can they get away with this? So my DW told them to cancel right there. 3. They were VERY rude and just wanted to argue! After many, many attempts they did close it but the amount of money that they were able to get before, was unbelievable! I cannot imagine how many people they do this to! They are the worst of the worst! BEWARE!!! STAY AWAY!!!

They are notorious for this. It's also one of the reasons that they charge thier annual fee in monthly installments - they hope you trip up, and forget to make your payment one month.

They *can* be a rebuilding tool, IF you have the time to devote to checking your accounts daily, and keeping on top of their bull pucky. They're just not a *good* rebuilding tool.

Sorry your DW had to find out the hard way. But, onward to bigger and better things!

Re: BEWARE OF FIRST PREMIER!!

App_Addict — Mon, 16 Mar 2015 01:35:11 GMT

@Anonymous wrote:
Are we to take this to mean that you think First Premier sucks?

REAL BAD!

Re: BEWARE OF FIRST PREMIER!!

App_Addict — Mon, 16 Mar 2015 01:39:35 GMT

@Anonymous wrote:
@App_Addict wrote:
BEWARE!!! STAY AWAY!!!
You registered for myFICO in 2008 and you waited until NOW to tell us this?

I'm a little slow....But really, she just got them a few month ago. Wish I would have known, would have saved a lot of money and angst!

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 02:07:11 GMT

But they sent me a pre-approval mailer! It said that I could get a 500 limit with a $125 AF at 28.9%. They seem like straight shooters to me!

Re: BEWARE OF FIRST PREMIER!!

Gunnar419 — Mon, 16 Mar 2015 02:27:46 GMT

@App_Addict wrote:
@Anonymous wrote:
@App_Addict wrote:
BEWARE!!! STAY AWAY!!!
You registered for myFICO in 2008 and you waited until NOW to tell us this?
I'm a little slow....But really, she just got them a few month ago. Wish I would have known, would have saved a lot of money and angst!

Wait. What. You've been hanging out here for seven years and have never read a single "FIRST PREMIER SUCKS" thread???

No offense. But "a little slow" might be being charitable. We may be talking "special."

Re: BEWARE OF FIRST PREMIER!!

App_Addict — Mon, 16 Mar 2015 02:49:27 GMT

@Gunnar419 wrote:
@App_Addict wrote:
@Anonymous wrote:
@App_Addict wrote:
BEWARE!!! STAY AWAY!!!
You registered for myFICO in 2008 and you waited until NOW to tell us this?
I'm a little slow....But really, she just got them a few month ago. Wish I would have known, would have saved a lot of money and angst!
Wait. What. You've been hanging out here for seven years and have never read a single "FIRST PREMIER SUCKS" thread???

No offense. But "a little slow" might be being charitable. We may be talking "special."

Believe me, I DO read and I DO know they are a Rebuild card and I DO know that there have been ISSUES with them, HOWEVER, I had not heard of and or seen the tactics as I described, THUS the reason for my post. AGAIN, if I can help just one person, not push that button, IT IS WORTH IT!

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 03:48:16 GMT

They are not a rebuild card...

They are a rebill card. As in they will bill and rebill you for everything. They are a card one gets when one is absolutely uninformed about credit because they are usually one of the first to send their preapprovals in the mail.

As you know assuredly (and hopefully) know. It is far better to save your money and get a secured card vs These predators.

Many here liken them and CreditOne preapprovals to getting anthrax in the mail.

Re: BEWARE OF FIRST PREMIER!!

Anonymous — Mon, 16 Mar 2015 05:38:43 GMT

@Anonymous wrote:
They are not a rebuild card...

They are a rebill card. As in they will bill and rebill you for everything. They are a card one gets when one is absolutely uninformed about credit because they are usually one of the first to send their preapprovals in the mail.

As you know assuredly (and hopefully) know. It is far better to save your money and get a secured card vs These predators.

Many here liken them and CreditOne preapprovals to getting anthrax in the mail.

I said that originally but I think I would like to recant that statement. FP and CO are worse. At least anthrax kills you quickly!

Re: BEWARE OF FIRST PREMIER!!

Imperfectfuture — Mon, 16 Mar 2015 06:09:24 GMT

@Anonymous wrote:
They are not a rebuild card...

They are a rebill card. As in they will bill and rebill you for everything. They are a card one gets when one is absolutely uninformed about credit because they are usually one of the first to send their preapprovals in the mail.

As you know assuredly (and hopefully) know. It is far better to save your money and get a secured card vs These predators.

Many here liken them and CreditOne preapprovals to getting anthrax in the mail.

Having lived through credit one when they were more predatory (2007/2008), and their illegal CR reporting tactics, I rebuilt just this way, with a 500 secured credit union card. It is now unsecured, never an annual fee, and still in my sig (gee, a card you can keep after rebuild).

Even though I was following the bk to 700 thread without filing bk (substitute clean up credit reports through hard work and PFD's), I would never start with the first cards suggested in that thread. ALWAYS get a secured card that will graduate as your first card. You even get the money back, mucho better than credit one and first premier.

There is only one rebuilder I would recommend, and that is First National Legacy or Savings line out of South Dakota. They do have the AF of 75, and starting apr of 29.99 (though after year, if you REALLY still need them, can get 19.99 for next year). But none of the other problems associated with credit one, first premier.

Re: BEWARE OF FIRST PREMIER!!

Rebuilding69 — Mon, 16 Mar 2015 15:47:18 GMT

Dont forget that if you request a credit line increase and they approve it, they will then charge you 25% of the increase amount you just requested.

Re: BEWARE OF FIRST PREMIER!!

BT90138016 — Mon, 16 Mar 2015 16:10:53 GMT

I have a FP card. So far I haven't had a problem with them but I do plan on paying them off and closing the account. I've read a lot of bad reviews recently about them and I can do without the risk of one of those bad experiences.

Re: BEWARE OF FIRST PREMIER!!

Gunnar419 — Mon, 16 Mar 2015 16:30:53 GMT

@App_Addict wrote:
@Gunnar419 wrote:
@App_Addict wrote:
@Anonymous wrote:
@App_Addict wrote:
BEWARE!!! STAY AWAY!!!
You registered for myFICO in 2008 and you waited until NOW to tell us this?
I'm a little slow....But really, she just got them a few month ago. Wish I would have known, would have saved a lot of money and angst!
Wait. What. You've been hanging out here for seven years and have never read a single "FIRST PREMIER SUCKS" thread???

No offense. But "a little slow" might be being charitable. We may be talking "special."
Believe me, I DO read and I DO know they are a Rebuild card and I DO know that there have been ISSUES with them, HOWEVER, I had not heard of and or seen the tactics as I described, THUS the reason for my post. AGAIN, if I can help just one person, not push that button, IT IS WORTH IT!

Very true. Hope you know I was just kidding around with you. This would hardly be the first repeat info thread at MyFico and a warning against First Premier is always in in order. I'm just sorry your friend had to find out the hard way.