This card ⦠Applicants with a credit score of at least 600 and up to 850 may be eligible for US Bank Premier Line of Credit. A Card Created For You, So You Can Build Credit 1. A Card Created For You, So You Can Build Credit 1. The fees simply kill you. HSBC Premier Credit Card No annual fee: the card is free for life Up to 56 days interest-free credit on purchases Flexible payment options: minimum payment of 5% Unlimited free additional cards for ⦠It's like paying for an Amex charge card but with no limit! As for oneâs credit score, being around the 670 range or above is recommended before sending in your application. For your utmost convenience, EastWestââ¬â¢s Priority Hotline is available 24 hours a day, 7 days a week. Pay it off in full. Discover what millions of our cardholders already know â we believe in helping good people build credit. After using this card for about 8 months, my credit has improved slightly and I see it reporting. It's been 2 years since I got the card. In the event of Involuntary Unemployment or Unpaid Family Leave and upon benefit approval, PREMIER Credit Protection may cover your monthly minimum payment, as of the date the protected event began, until: (1) twelve continuous payments have been covered; (2) you return to work; or (3) your account balance is $0, whichever occurs first. Paid lots of fees when I had both of them although FP was much higher. This card sucks. Credit got whacked in C7 BK. But this is just a baby step for me to rebuild my credit. The fee is included on your monthly billing statement. After 8 months, I was mailed another promotion for another FP! Credit Score: 609 Credit Limit: 500 Age: 25-34. If you do not PIF, there will be hardly any credit limits left after you are charged the annual and monthly fee. After one or more consecutive nights of Hospitalization and upon benefit approval, PREMIER Credit Protection may cover your next monthly minimum payment, as of the date the protected event began. I also had the Orchard Bank back then. This means that those with low credit scores who would be turned down for unsecured credit from most mainstream issuers are more likely to qualify for a First PREMIER credit card. Got those and canceled this one. Unitedâs also making it easier to qualify based on credit card spend in 2021, with credit card PQPs counting for all status tiers, including Premier 1K. We do not endorse or guarantee and are not responsible for the content, links, privacy, or security of the website, or the products, services, information, or recommendations offered on this website. Can't wait for my score to improve and get approved for a proper card. You must be enrolled in PREMIER Credit Protection for 30 days before a protected event may be activated. Got a tiny CL and once the fees are paid, I was stuck with hardly any lines at all before I paid up all the upfront fees. In the meantime, it's charge a little and PIF. PREMIER Bankcard is looking for outgoing, organized and friendly individuals to expand its team of New Customer Center Associates to promote the features and benefits of the First PREMIER Bank credit card⦠You must be enrolled in PREMIER Credit Protection for 30 days before a protected event may be activated. The fees are never-ending. I cannot stress that enough. Just beware of the fees. Card ⦠If youâre within 300â579 for FICO or 300â649 for VantageScore, youâre ⦠Guess they approve you so easily because they charge you a ton of fees. You can use it anywhere. So, youâll likely need to be a U.S. Bank customer with a good or excellent credit score to be approved for this card. Before you know it, only about $300 was left after the fees were deducted before I even used the ⦠The First PREMIER® Bank Mastercard® Credit Card ⦠It is now 630. And, the First Premier Bankcard ⦠What can I say? Be aware that some credit cards charge a fee to increase your credit limit. When I graduated, I applied for Citi and Chase but was declined because of insufficient credit. Unlike the amazon card, a Samâs Club store card works like a regular credit card. When I compared the two, Orchard had the lower fees. ⦠Got a Orchard Bank and also this card. Fees are ridiculous and so are the rates. There is a maximum aggregate limit of $5,000.00 of protection under PREMIER Credit Protection. Members can earn 500 PQPs for each $12,000 spent with current co-branded cards that carry an annual fee, up to a maximum of 1,000 PQPs, including the United Explorer Card ⦠Through some research, I decided to give this a shot and got it. With all the fees, this will be the first to go when score improves. Based on Citibankâs FICO® score scale, the âgoodâ score range spans from 670 to 739 ⦠Call (+632) 8888-1788 for card inquiries, lost card advice, Convert-to-Installment, Insta-Cash, Supplementary Credit Card applications, or for any concern you may have. It is the first set of numbers. Related reading: The best U.S. Bank credit cards ⦠Credit was trashed after my divorce. In addition to the chip, you may be required to enter your PIN to complete the transaction. Posted 01/09 2014. I just charge about $30 or so a month and PIF. Overall Rating: Got a $500 CL. Before you know it, only about $300 was left after the fees were deducted before I even used the card. We will give you additional information before it is too late to cancel without receiving a full refund of PREMIER Credit Protection fees. Low limits but you take what you could. Hate the fees but what could I do. It will be the first to go once I get the Cap One Quicksilver or Barclays Rewards. Was surprised I got the $500 limit though. Good rebuilder. The interest rate is ridiculous so the trick is to PIF every month and do so early. You may not be able to use your account while the protection period is activated. I obviously canceled FP. Once my credit improves to an acceptable level, I'll be giving some no fee cards a shot. Other perks of this card ⦠But what I did was to use only up to 20% of the lines given and pay it off immediately. Consumer Reviews, Credit Score and Income Needed, Credit Limits. Can see my scores already getting better. Discover what millions of our cardholders already know â we believe in helping good people build credit. Your username must be between eight (8) and twelve (12) characters in length. PREMIER Credit Protection is not required to obtain credit. PREMIER Credit Protection will not cover past due or over limit amounts. I knew I had to get a couple to rebuild. First Premier Bank Credit Card Pros and Cons. With your First PREMIER Bank Debit Mastercard®, you can access up to 33,000+ surcharge-free MoneyPass® ATMs, enjoy Zero Liability® fraud protection, easy account alert setup and our lock/unlock feature to instantly suspend or deactivate your card ⦠That would put this cardâs required ⦠If you only have a street address, use address line 1 and leave address line 2 blank. Original review: Jan. 27, 2021. Got this card 1 year after BK cos I wanted unsecured not just secured. Premier Business Card Services. Got this together with the Credit One. In other words, they screwed me out of $300 by converting the card without my permission or knowledge. The Cap One secured was one of them. Thought I could only get a secured card but got approved. Paid the up front fee ($95 I think). Didn't like the annual fee and monthly maintenance fees. The First Premier Bank Credit Card doesn't charge a security deposit, but with multiple fees and a high interest rate, it will still cost you plenty. This appears to be an easy card to get because I was rejected for a few store cards. Guess you are a hostage when you have bad credit. The Total Minimum Amount Due includes the Minimum Payment, any Past Due Amount and any Amount Over Limit Due, which is the amount by which the New Balance (from your most recent monthly statement) exceeds your Credit Limit. This secured card ⦠Firstly, the interest rate is high (so always PIF and on time to avoid those charges). Got a premier bank card secured credit card with a $300 limit. Can't wait for my score to reach high 600s so I can get rid of this. Got a couple of cards to try to rebuild. First PREMIER® Bank Credit Card determines your credit limit based on your credit ⦠CSR sucks. Subject to the limitations and exclusions listed in the PREMIER Credit Protection Contract, including a maximum aggregate amount limitation on the benefits of $5,000, PREMIER Credit Protection covers: The current monthly minimum payment, as of the date the protected event began, in the event of Involuntary Unemployment, Disability, Unpaid Family Leave and Hospitalization. THERE ARE ELIGIBILITY REQUIREMENTS, CONDITIONS, AND EXCLUSIONS THAT COULD PREVENT YOU FROM RECEIVING BENEFITS UNDER PREMIER CREDIT PROTECTION. PREMIER Credit Protection does not apply to, or affect, any other First PREMIER Bank Credit Card accounts not enrolled in the program. To apply for the First PREMIER® Bank Credit Card, youâll need at least $245 to cover the deposit and fees. After 5 months, I decided I could not pay the fees for both and chose to cancel this one. Had this card ages ago when my CR was in the dumps. One such card is the U.S. Bank Altitude Reserve Visa Infinite® Card, which is U.S. Bankâs premium travel rewards credit card. Got this card and a Credit One. © 2021 First PREMIER Bank and PREMIER Bankcard. Quite surprised I even got an unsecured card with my score (which went though hell). ⦠Really looking forward to the day when I get a better card. This card is definitely for rebuilding your credit. Got approved with a 500+ TU score. Orchard has been canceled. International Credit Card. Wrecked by credit in college and started looking for a card to rebuild. Traditionally, people less than perfect credit use the First Premier card to build or rebuild their credit. PREMIER Credit Protection is an optional benefit of your First PREMIER Bank Credit Card. All rights reserved. When my scores improved to mid 600s, I applied and got approved for the Barclays Rewards MasterCard. Have never encountered any issues with CSR so far. First PREMIER Bank credit cards are issued with a microchip embedded in the card that provides increased protection against fraud. Low limit (which I expected). This card is at the bottom of the pile. I minimize fees by paying twice a month and never being late. Got a $700 CL. Like all the Southwest cards issued by Chase, this one targets consumers with at least a fair credit score. After about a year, my score improved by almost 100 points. The monthly fee for the PREMIER Credit Protection is based on your outstanding ending monthly balance multiplied by $0.89 per $100.00. Every sub prime I looked at had high fees. Exclusions from Involuntary Unemployment protection include: willful misconduct; criminal acts; voluntary resignation; and retirement. Got this card with a $300 CL. This one will be soon. The First Premier Bank credit card has been around for a while. PREMIER Credit Protection is not required to obtain credit. So, as far as fees and rates go, this card sucks. I was quite surprised by the CL I got ($700). Premier Bank International Visa Credit card ⦠This was the other one. Please carefully read the PREMIER Credit Protection Contract, including the General Conditions and Requirements provided in the fulfillment kit, which will be sent to you after enrollment, for a full explanation of each of these eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under PREMIER Credit Protection. The First PREMIER Bank credit card is designed specifically for those with low credit scores. After getting approved, I can only say that if you apply for this, you will get accepted. You will be responsible for the delinquent and over limit amounts while the protection period is activated. They WILL screw you too. Learn More. So you get the ease of credit score approval that come with store cards and the flexibility that comes with normal credit cards. If you are not completely satisfied, you will have 30 days after receiving your first monthly billing statement that includes a fee for PREMIER Credit Protection to cancel and receive a full refund of any PREMIER Credit Protection fees. So I did not get any card in college. Whether youâre a small, large, or non-profit business, Premier Bank together with Elan Card Services, offer a variety of exceptional business card options to meet your ⦠Your password must be between eight (8) and twelve (12) characters and must include both upper and lower case letters and a number or special character. The cost of the program will not change if you become ineligible for some of the protection. My score has increased by about 50 points within 7 months so it looks like I'm on the right track. Got approved for this and 6 months later, got a Barclays. US Bank Premier Line of Credit does not have or does not disclose a minimum annual income ⦠If purchased, PREMIER Credit Protection will only extend to the enrolled First PREMIER ⦠You will continue to be charged the monthly fee for PREMIER Credit Protection during any benefit activation period for Involuntary Unemployment, Disability, Unpaid Family Leave or Hospitalization. This card was easy to get. Got another secured card from a credit union as well. Should have just stuck with the Cap One instead. After reading lots of reviews on Orchard, Credit One etc, I decided to take a shot at this plus another secured card. I would avoid this card company like the plague. The First PREMIER® Bank Mastercard® Credit Card ⦠I charge only $20 a month on the card. The plan is to rebuild and get back to normal mainstream cards. MY CREDIT SCORE WAS A 639 I RECIEVED A PRE APPROVED OFFER OF $700 AND I WAS APPROVED I AM SUPER EXCITED THE INTEREST IS VERY HIGH THOUGH WHEN IT COMES TO YOUR CREDIT YOU DO WHAT YOU HAVE TO DO. The First PREMIER Bank Credit Card is not hard to qualify for: Itâs designed for people with poor credit. Formal Launching of Banking Business by Honorable Prime Minister Sheikh Hasina Date: 26th October 1999; Pioneering VISA Credit Card among the local Banks Date: 22nd ⦠The Routing Number is located at the bottom of your check. In the event of Disability and upon benefit approval, PREMIER Credit Protection may cover your monthly minimum payment, as of the date the protected event began, until: (1) twelve continuous payments have been covered; (2) you are no longer disabled; or (3) your account balance is $0, whichever occurs first. Exclusions from Disability protection include: retirement; normal pregnancy or childbirth (including caesarian section); and commission of a crime (including but not limited to use of illegal drugs). Have been out of BK for 8 months and got approved for this card. Saying this tongue in cheek because my score was about 500. PREMIER Credit Protection is an optional benefit of your First PREMIER Bank Credit Card. My Cap One started with a $300 and is now $1k. Also have the Credit One and Cap One Secured. NOTICE: You are leaving our website and entering a third party website over which we have no control. Always paid on time but their customer service and website sucks. This can be 5-25 characters. Really looking forward to the day when I can get a no annual fee card. Quite surprised with the limit I got when others I read were getting $300. For me, I just charge $15 or so and pay it off every month. On top of that, they charge you a monthly fee and an annual fee (that is something you cannot avoid). Did not really have a credit history when I applied for this card. Got declined by Discover and Citi for not having enough credit. Those of us with bad credit just have to suck it up. Still stuck at $300 for this card. Nickname for your checking account. Why should I given the fees. Also got a Cap One secured at the same time. The came the annual fee before I even used the card. First PREMIER® Bank Secured Credit Card HERE FOR YOU - NOW & IN THE FUTURE - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain ⦠Exclusions from Hospitalization coverage include: normal pregnancy or childbirth (including caesarian section); and commission of a crime (including but not limited to the use of illegal drugs). Like many here, I have to concur that while the fees are high, we all have to start somewhere (ie for those of us who have taken a hit in their credit). So my credit crapped out after a business failure. Am going to try for the Barclays Rewards and if I get approved, I'll cancel this fee and say goodbye to the fees. Beware of Credit Limit Increase Fees . We cancelled this card a few days ago and they informed us that they will not return the $300 to us because it is a regular credit card. You may cancel PREMIER Credit Protection at any time. The Credit One Bank Visa Platinum credit card, for example, may charge up to $49 when you request a credit limit increase. This organization is without a doubt the worst credit card company/bank of all ⦠At that time, EQ score was 519. Awards & Milestones. The full account balance as of the date of your death in the event of your Loss of Life. Like many others, I got a secured (lower annual fee) and an unsecured (this one) to have more lines in CR. But I may have utilized my limit too much since I read others improving their credit by even 100 points within a year. Fees are high, but what do you do? Still, the fees are so high. Fees are high though. Destroyed my credit as I did not understand what I was doing and am now going through the painful steps of getting my score back up. It was "easy" to get.
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