Has anyone dealt with First Premier/Credit One with getting a payment to get caught up?

[Trailmix123]

I have a First Premier credit cards and a Credit One credit card that I am stretched past the limit and falling behind on. 

Does anyone know if they offer hardship programs the help one get caught up without closing the cards? 

I tried to speak to customer service at Credit One MOD CUT -- NOT HERE, SEE TOS FOR CLARIFICATION  The first person from Frist Premier was rude and hurried me off the phone when I said I will pay by x date. 

I plan on ditching these cards when they are paid off. 

[SUPERSQUID]

Unfortuneatly you are bound by a contract with them so there is very little you can do . just pay the minimum payment due right now.

If you are over the limit then pay the amount that will get you back under the limit and dont use the cards. some times lenders will give a one time pass on the over the limit fees.

[OmarGB9]

The only real way to know is to call again and ask.

[7774x]

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@Trailmix123 wrote:

I have a First Premier credit cards and a Credit One credit card that I am stretched past the limit and falling behind on. 

Does anyone know if they offer hardship programs the help one get caught up without closing the cards? 

I tried to speak to customer service at Credit One MOD CUT -- NOT HERE, SEE TOS FOR CLARIFICATION  The first person from Frist Premier was rude and hurried me off the phone when I said I will pay by x date. 

I plan on ditching these cards when they are paid off. 

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1st premier piles on fees ,high interest, back when I had the card ..They  Didn't want to deal with any reduced fees .rates ..Credit one  similar

[bigseegar]

First Premier is absolutely one of the worst bottomfeeder credit card issuers out there. They will add fees after fees and no they will not work with you. They will also change the first dates of delinquency so that they can continue reporting to the CRA beyond the 7 year limit. I even had them intentionly flat out lie on my credit report so bad that I had to involve my State's Attorney General's Office.

[Anonymous]

I hope you can work it out with them and get your card re instated. Everyone needs a CC to rent a car, hotel room etc. They are a bank providing a service to people with scores under 700. The lower the score it is probable that people will default. Therefore, they charge those fees to cover the losses from the ones that do default. Lower scores means that you can not go to prime lenders. This bank is filling the area to help those people in need of credit. You really have to look at both sides. If you do not want to pay that high interest rate simply pay off your balance by the due date and there is no interest. 

In time once you pay this account it will report to your FICO scores and they will improve to where you can get other cards.

Thanks

Mark

[tallin32]

Still, if I were the OP on this one, I'd do whatever I needed to divest myself of them, avoid getting a 90+ days late if I could, and maybe look into a Capital One secured card (I was able to put of $49 literally just after BK7 discharge and get a $200 line, and my pre-BK Equifax score was 456 (no lie)).  Some of the secured card offerings from Discover, Capital One and Bank of America are basically their unsecured counterparts with a deposit.

[FireMedic1]

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@Trailmix123 wrote:

I have a First Premier credit cards and a Credit One credit card that I am stretched past the limit and falling behind on. 

Does anyone know if they offer hardship programs the help one get caught up without closing the cards? 

I tried to speak to customer service at Credit One MOD CUT -- NOT HERE, SEE TOS FOR CLARIFICATION  The first person from Frist Premier was rude and hurried me off the phone when I said I will pay by x date. 

I plan on ditching these cards when they are paid off. 

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Which one? Open or close. If they have monthly fees. Close them now. Then you can put that money towards paying them off. Least thats what you posted. In the future. If you cant pay it. Dont charge it. If you close them. Make sure they do close them. Check your online account and reports that they followed thru. They like to drag it out. Good Luck!