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Anyone use First Premier?

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Anonymous
Not applicable

Anyone use First Premier?

They keep spamming me with preapprovals but I already have Capital one mastercard and Marvel Mastercard. I mean I am always looking to expand but just curious if anyone has any experience with them and if they are worth it. 

Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Anyone use First Premier?

Stay Away!

Message 2 of 16
Anonymous
Not applicable

Re: Anyone use First Premier?

Youll hardly find anyone recommending them. You say you are "always looking to expand", but what do you like about the card? Good APR, rewards, low fees like cash advance, AF, FTF? You shouldn't app for ANY card for the sole reason of them sending you some junk mail.
you already have two good cards. picking up a third could help build your CS: but be picky! Check out Disco, PenFed, NFCU, Chase, etc.
Message 3 of 16
Dalmus
Valued Contributor

Re: Anyone use First Premier?

Fyi, I think the mods are going to remove your referral link. I don't believe they are allowed!

But to the OP, First Premier is a builder card. High interest, annual fees, monthly fees, pay for CLI, etc. You already have "normal" cards. Stay away from First Premier.. you do not need them!

Total Cards: 24 | Total Limit: $304,250


Current FICO 8 Scores: EQ: 841| TU: 815 | EX: 814


Hard Inquiries: 1

Message 4 of 16
bettercreditguy1
Established Contributor

Re: Anyone use First Premier?

Read up and study their  fees. They are bottom fishers in the cc realm. STAY CLEAR! 

 

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 5 of 16
Creditplz
Valued Contributor

Re: Anyone use First Premier?

DONT DO IT!!! I made that mistake with a lot of others on here and we ALL regret it! Beyond unreasonable fees they're a predatory lending company.
Message 6 of 16
Anonymous
Not applicable

Re: Anyone use First Premier?

First Premier and Credit One are the two biggest bottom feeders. 

Message 7 of 16
Aduke1122
Senior Contributor

Re: Anyone use First Premier?

RUN FAR FAR AWAY , put them in the shredder Op they are a very predatory lender
Message 8 of 16
Anonymous
Not applicable

Re: Anyone use First Premier?

Follow your screen name.....Smiley Happy

Message 9 of 16
Anonymous
Not applicable

Re: Anyone use First Premier?

What makes one really shake their head about First Premier is that they continue to send out mailers to people like the OP - and me! - for months after these people have gotten regular credit cards and are well along with their rebuilding, so don't need First Premier anymore even if it were an ethical company. It's fairly obvious that they're just trolling for suckers at that point.

Message 10 of 16
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