first premier credit card faq

3, 24/7 for assistance. Replacement Cards. How do I replace a lost or stolen card? Visit any Premier America branch where a card can be instantly issued. You can check your First Premier credit card application status by calling (800) 987-5521. According to First Premier Bank, you may get a decision within 60. From business and commercial to wealth and personal banking questions, we have the information. Look inside to discover how easy it is to get help with all.

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First premier credit card faq
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We may change the rates, fees and terms of your account at any time in accordance with the Cardholder Agreement to be sent with your card and with applicable law. Rates and fees are as of 03/20.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases, balance transfers and cash advances)".

Current Information: The information provided here is accurate as of 03/16/20 and is subject to change at any time without prior notice. To receive the most recent information, please write to BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.

Prime Rate: APRs may increase or decrease for each new billing cycle based on changes in the U.S. Prime Rate published in The Wall Street Journal ("Prime"). An increase in your rates will increase your finance charges and may increase your minimum monthly payment. Your rates will not exceed the maximum we are allowed to charge under applicable law. Each APR will equal the sum of Prime plus the applicable margin ("Margin"). Prime Rate was 3.25% as of 03/20.

Margin: Margin means the percentage points added to the Prime Rate to calculate the APR. The margin for Purchases and Balance Transfers is selected by us from the range 10.50% to 15.50% after our evaluation of information, including your application, credit report information and ability to repay. The margin for Cash Advances is 17.50%.

Eligibility: We may consider your application to be your request for a Visa Classic card if you do not qualify for a Visa Platinum account.

Application of Payments: We will determine, at our discretion, the amount of and order in which minimum payments will be applied to Purchases, Balance Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. If your account has balances with different APRs, we will allocate your minimum payments to balances subject to lower APRs before balances subject to higher APRs. If you make more than the minimum payment, we will allocate amounts in excess of the minimum payment to balances subject to higher APRs before balances subject to lower APRs, even if, as required by applicable law, this allocation results in a loss of any Grace Period for which you may otherwise have been eligible. This payment allocation method applies to all higher APR balances, including transactions subject to higher APRs posted since your last statement.

Effects of Making Minimum Payments: If you make only the minimum payment each billing cycle, you will pay more in interest and it will take you longer to pay off your balance.

* Introductory rate does not apply if you request to upgrade an existing account to a new account.

** Only a payment made by us, at your request, via our customer service center or our website, to transfer all or part of your balance with another creditor to your account with us will be considered and treated as a balance transfer under your Agreement. Your use of a check is not considered a balance transfer under this Agreement.

Источник: https://www.firsthorizon.com/Products-and-Services/Borrowing/Credit-Cards/Platinum-Premier-Visa/Platinum-Premier-Visa-Terms-and-Conditions

PREMIER Bankcard® Credit Cards

ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. CreditCards.com does not include the entire universe of available financial or credit offers.
CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

Источник: https://www.creditcards.com/first-premier/

First Premier Bank Payment Guide

Author: admin

First Premier Bank is one of the biggest credit card issuers in the United States. Headquartered at Sioux Falls, South Dakota, the company specializes in offering credit to customers with average or bad credit. If you own a First Premier Bank credit card and want to know how you can pay the monthly bills online, read on.

First Premier Bank

www.mypremiercreditcard.com

Review your credit card activity and navigate to the payment option. Enter your checking account information like ABA number and account number. Select the amount you wish to pay and schedule the date on which it should be paid. You are done now – your bill amount will be paid on the date you have specified. Your account also offers you the ability to view your transaction history, available credit and more. If you do not own an account, you can register for one through this link.

www.mypremiercreditcard.com register

www.mypremiercreditcard.com register

This is a free payment service.  All payments will be posted to your account within one or two business days.

If you do not wish to register an account, you can still make a one time online payment through Western Union Speedpay.
speedpay.com PremierBankcard

Visit this link to do so. Just enter your account number and proceed to make a card payment. Note that you will be charged a service fee of $3.25 per transaction.

Apps:
First Premier Bank APP

In addition to online payments, you can also pay your Premier credit card bills through phone, mail, bank wire etc. Plus, you can also set up automatic payments. If you would like to know more about the payment options, contact the company’s customer service at 1-800-987-5521.

First Premier Bank

Phone:1-800-987-5521

Phone:605-978-9778

or

Online Banking, Mobile Banking & Bill Pay Services:800-501-6125

Make a Payment (Option #2)

Check Balance & Available Credit (Option #1, enter account information)

Request a PIN (Option 1, enter account information, Option #4)


Express Payment Address

3820 N Louise Ave

Sioux Falls, SD57107

Correspondence Address:

PO Box 5524

Sioux Falls, SD57117-5524

Источник: https://kudospayments.com/credit-card-payments/mypremiercreditcard-bill-pay/

First Premier Bank Credit Card review


First Premier Bank Credit Card overview

The First Premier Bank Credit Card is designed for consumers with low credit scores who may not be approved for most other unsecured credit cards. You shouldn’t plan to use this card long term. Instead, this is a card to use for a short time to build your credit before moving on to a more traditional credit card that offers rewards, lower fees, a higher credit limit and lower interest rates.  Card rating*: ⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

This page includes information about the Discover it Secured that is not currently available on The Points Guy and may be out of date.

If you have limited credit or are working to repair your credit, you may not have many appealing options when it comes to credit cards. Most rewards credit cards will want to see a higher credit score and stronger credit history before extending credit. So, if you have bad or poor credit, you may need to temporarily rely on a secured credit card or an unsecured credit card with high fees while you work to improve your credit score.

The First Premier Bank Credit Card is an unsecured credit card designed for consumers with low credit scores who otherwise may be turned down for a credit card. So, if you have good or excellent credit, or can be approved for a no-annual-fee credit card from other issuers, this card isn’t for you. But, if you have less-than-perfect credit and are struggling to get a credit card, you may be interested in the First Premier Bank Credit Card.

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In This Post

Who is this card for?

(Photo by John Gribben for The Points Guy)

The First Premier Bank Credit Card is for consumers who are working to build or repair their credit and can’t be approved for most traditional credit cards. Due to the card’s high fees and lack of rewards, you will only want to get this card if you can’t be approved for a credit card with lower fees and aren’t willing to use a secured credit card.

If you opt to use the First Premier Bank Credit Card, you hopefully won’t need to keep this card for more than 18 to 24 months. This is because if you use the card responsibly during this time, you should be able to improve your credit enough to be approved for other cards.

This card isn’t available to residents of New York and Wisconsin. Additionally, this card isn’t available to active-duty military personnel and their dependents who are covered borrowers under the Military Lending Act.

Related reading: Secured vs. unsecured credit cards: What you should know

How to use this card

(Photo by Eric Helgas for The Points Guy)

The First Premier Bank Credit Card is unsecured, so you’ll be assigned a credit limit by the issuer if you’re approved. This credit limit will be $300, $400, $500, $600, $700 or $1,000, depending on your creditworthiness. However, your annual fee will be deducted from this credit limit, so your initial available credit will be your credit limit minus your annual fee.

Your primary goal while using this card should be to improve your credit score so you can get approved for a credit card with rewards, lower fees and a higher credit line. Many different components go into calculating your credit score, but FICO — one of the primary formulas used to calculated credit scores — states that 35% of your score is based on your payment history and 30% of your score is based on your credit utilization ratio.

Payment history

If you get behind in making payments, this will harm your credit score. But, if you pay on time, this can improve your credit score. You’ll want to pay at least the minimum amount due each month by the due date to boost your payment history. It’s better to pay the statement balance by the due date each month, as this will allow you to avoid interest charges as well as keep your credit utilization low.

Related reading: Does it hurt to pay off your credit card balance before the billing cycle ends?

Credit utilization

Your debt-to-credit ratio is the total of your debts divided by the total amount of credit that you’ve been extended across all accounts. As a rule of thumb, it’s best to keep your debt-to-credit ratio below 20%. If you are using the First Premier Bank Credit Card, this will mean keeping your current balance below $60 if your credit limit is $300, and keeping your balance below $200 if your credit limit is $1,000. To do so, you may want to pay down your card balance multiple times throughout the month instead of only when your bill is due.

Related reading: Credit utilization ratio: What is it and how it affects your credit score

Fees and disadvantages with this card

(Photo by John Gribben for The Points Guy)

The main reason I rated this card so poorly is the many fees that it charges and how confusing they can be, even to someone accustomed to reading credit card terms and conditions. Let’s go through all the fees and disadvantages so you can make an informed decision.

Annual fee, monthly fees and program fee

As mentioned earlier, your credit limit with the First Premier Bank Credit Card will be $300, $400, $500, $600, $700 or $1,000 depending on your creditworthiness. The card’s annual fee, monthly fees and program fee vary based on your credit limit.

Credit limitProgram fee (one-time fee)Annual feeMonthly fee
$300$95$75 the first year, then $45 annuallyNone the first year, then $6.25 per month
$400$95$100 the first year, then $45None the first year, then $6.25 per month
$500$95$125 the first year, then $49None the first year, then $10.40 per month
$600$75$79 the first year, then $49$5.85 per month the first year, then $8.25 per month
$700$55$79 the first year, then $49$8.00 per month the first year, then $10.40 per month
$1,000$25$79 the first year, then $49$8.00 per month the first year, then $10.40 per month

The program fee must be paid in full before the credit account is opened. If you are approved but don’t pay the program fee in full within 85 days from the date the application was approved, your application will be withdrawn.

The annual fee will be charged once your credit account is opened, and then in about the same billing cycle of each following year. The monthly fee will be billed until your credit account is closed and the balance is $20 or less.

No benefits — besides the benefit of having access to a credit card — are provided for these fees. Instead, First Premier says the program fee is “to offset the risk associated with the credit account.”

Related reading: The best no-annual-fee credit cards

Interest rates and interest charges

If you pay your statement balance in full each month and don’t use cash advances, you should be able to avoid interest charges. But it’s a good idea to at least know what the interest rates and interest charges are on your card.

The First Premier Bank Credit Card has one of the highest annual percentage rates (APR) for purchases as well as cash advances that I’ve seen, at 36%. Luckily, your due date is at least 27 days after the close of each billing statement, and you won’t be charged interest on purchases as long as you pay your entire balance by the due date each month.

You’ll be charged interest on cash advances starting on the transaction date, though. So, if you use a cash advance (which you should generally avoid), you should pay off your entire balance as soon as possible after doing so.

Related reading: The top no-annual-fee credit cards with a 0% intro APR

Other fees

There’s an assortment of other fees charged by the card, such as the following:

  • Cash advance transaction fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
  • Foreign currency transaction fee: 3% of each transaction amount in U.S. dollars
  • Additional card fee: $29 per year per additional card
  • Late payment penalty fee: Up to $39
    • If you do not pay the minimum payment plus the past due amount by the payment due date, you’ll be charged a late payment fee of $28
    • If you do not pay the minimum payment plus the past due amount by the payment due date again in the next six billing cycles, you’ll be charged a late payment fee of $39
    • The late payment fee will never exceed the minimum payment plus the past due amount shown on your statement
  • Return item charge penalty fee: Up to $39
    • If a payment you make is returned unpaid, you’ll be charged a return item charge of up to $28
    • If another payment is returned in the next six billing cycles, you’ll be charged a return item charge of up to $39
  • Credit limit increase fee: 25% of the amount of the credit limit increase
    • This fee is assessed to your credit account each time your account is approved for a credit limit increase
    • This fee is automatically assessed upon approval of a credit limit increase
    • The fee will be refunded (and your credit limit increase reversed) if you reject the credit limit increase within 30 days after the date of the billing statement on which the fee is billed
  • Copying fee: $3 per copy for any statement, sales draft or other documents you request
  • Express delivery fee: $35 for express delivery due to lost, stolen or replacement cards
  • Wire transfer fee: $5 per transaction

Related reading: Common credit card mistakes and how to avoid them

Other cards to consider

(Photo by Orli Friedman / The Points Guy)

If you’re looking for a credit card to help improve your credit score, you may want to consider a secured credit card. Secured credit cards require that you put down a deposit equal to your credit line, but the fees on many secured cards are much lower than those on the First Premier Bank Credit Card. Some secured credit cards like the Discover it Secured and BankAmericard Secured credit card don’t charge an annual fee and may even move you to an unsecured credit line as your credit score improves. The Discover it Secured even provides cash-back rewards.

The information for the BankAmericard Secured credit card and Discover it Secured has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Even if you want to stick to unsecured credit cards, there may be better options than the First Premier Bank Credit Card. For example, the Indigo Platinum Mastercard is designed for consumers with bad to fair credit, but it has lower fees and you could pre-qualify without needing a hard credit pull. Credit One offers some credit cards that have modest fees and offer limited cash-back earning for consumers who are rebuilding their credit.

Related reading: How to earn points and miles with fair to poor credit

Frequently asked questions

Does First Premier increase credit?

First Premier cardholders may be eligible for a credit limit increase once their credit card account has been open for 13 months. But, each time your account is approved for a credit limit increase, you’ll need to pay a fee of 25% of the amount of the credit limit increase.

Related reading: How to increase your credit limit

What credit score do you need to get a First Premier credit card?

First Premier credit cards are designed for consumers with bad or poor credit, so there’s no minimum credit score required. However, not all applicants will be accepted.

Related reading: 7 ways to maximize your chances of being approved for a credit card

Can I withdraw money from my First Premier Bank credit card?

You can withdraw money from the First Premier Bank Credit Card as a cash advance. Once your account is open, your initial cash advance limit will be 10% of your credit limit. But, once your account has been open and active for at least 90 days, has two consecutive months of current payment history, is not delinquent and has had no return payments for the past 60 days, your cash advance limit may be increased to 50% of your credit limit.

If you take a cash advance, you’ll need to pay a cash advance transaction fee of $8 or 5% of the cash advance, whichever is greater. And, you’ll start accruing interest on cash advances immediately. So, it’s best to avoid taking cash advances.

Related reading: 7 ways to save on overseas ATM withdrawals

Should I enroll in First Premier’s credit protection program?

The First Premier Bank Credit Card offers optional credit protection, which may pay the minimum payment due on your billing statement if the primary cardholder enrolls and then experiences involuntarily unemployment, disability, unpaid family leave, hospitalization or loss of life. The monthly cost of optional credit protection is $0.89 for each $100 of your outstanding ending monthly balance.

If you enroll in optional credit protection and then need to use this benefit, you’ll continue to accrue interest and other fees during the benefit period but you will not be able to use your account for any purpose. So, for most cardholders, it will be best to turn down the optional credit protection program and instead work on creating an emergency fund.

Related reading: Which budgeting technique is right for you?

Should I close my First Premier Bank credit card?

Generally, it’s best to keep credit card accounts open to increase your average account age. But, unless you can downgrade to a no-fee card with First Premier Bank — which doesn’t seem to be an option — it will likely be best to close your card account once you’ve been approved for a more traditional credit card with lower fees.

Related reading: How to find the best pre-qualified credit card offers

Is First Premier Bank legit?

First Premier Bank is located in South Dakota. Its sister organization, Premier Bankcard, issues the First Premier Bank Credit Card and is the 12th-largest issuer of Mastercard credit cards in the U.S. Both organizations are held by United National Corporation.

Related reading: The best national banks — and the perks of banking with one of them

Bottom line

(Photo by John Gribben for The Points Guy)

The First Premier Bank Credit Card serves a particular subset of consumers who need an unsecured credit card but have bad or poor credit. It’s unreasonable to expect this card to offer the same benefits, rates and fees as credit cards that require excellent credit. But, this card charges exceptionally high fees — including a monthly fee, annual fee and program fee — while offering a low credit limit of $300 to $1,000 that’s based on creditworthiness.

The First Premier Bank Credit Card can be a useful product if you don’t want to use a secured credit card and aren’t able to be approved for an unsecured credit card with lower fees. But I wouldn’t recommend applying until you’re debt-free and actively working to improve your credit. This way, you can focus on using the card responsibly before switching to a lower fee card with a higher credit limit once you see that your credit score has improved enough.

Featured photo by John Gribben/The Points Guy.

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Katie Genter is a location independent digital nomad who has traveled full-time since June 2017. Her focus at TPG is points, miles, loyalty and credit cards.
Источник: https://thepointsguy.com/guide/first-premier-credit-card/

What is Click to Pay and why should I use my Click to Pay profile for online payments?

Click to Pay is fast, secure online checkout – built with intelligent security and advanced technology by the payment brands you trust.

With a Click to Pay profile, you can:

  • Skip sign-in on a remembered device for even faster checkouts.
  • Keep your payment information safe and secure with intelligent security.
  • Store your payment information securely in one profile so it is there whenever you need it.

What is the difference between Click to Pay and Mastercard Click to Pay?

Click to Pay stores all your payment information in one secure profile, so you can use your favorite card wherever you see the Click to Pay icon.

Mastercard worked with the other major payment brands to create Click to Pay. When you add your Mastercard to Click to Pay, you create a Mastercard Click to Pay profile.

You can manage all your Mastercards in your Mastercard Click to Pay profile. To manage cards with other payment brands, visit their Click to Pay websites.

What is a Click to Pay profile?

Creating a Click to Pay profile lets you store your payment information securely in one place so it is there when you need it. Pay quickly and securely anywhere you see the Click to Pay icon at checkout with a participating merchant. There are a few ways to set up a profile:

  • Create your Click to Pay profile by adding a Mastercard at mastercard.com/clicktopay.
  • Add a Mastercard to Click to Pay during checkout.
  • Some banks offer the ability to enroll your card through their mobile app and banking profile.

To manage cards and profiles with other payment brands, visit their websites.

Where can I use Click to Pay?

Click to Pay is available at many popular merchants. Look for the Click to Pay icon at checkout to use your Mastercard saved in your Click to Pay profile.

Shop your favorite merchants by visiting mastercard.com/clicktopay.

How do I skip sign-in when accessing Click to Pay?

Click to Pay works best when you choose to remember your device. When our intelligent security recognizes you, you will skip sign-in and use your Click to Pay information to speed through checkout.

You can choose to remember your device during a Click to Pay checkout. To view your Remembered devices, sign into your profile at mastercard.com/clicktopay.

  1. Open the menu in the top-right corner
  2. Choose Settings
  3. Then choose Remembered devices

Is Click to Pay for online payments only?

Yes. Currently, Click to Pay is only available for online checkout.

What is my user ID?

Your user ID is the email address you used to sign up for Click to Pay.

Does it cost anything to use Click to Pay?

It does not cost anything to create or pay with a Click to Pay profile.

What if I do not want to receive marketing emails from Click to Pay?

To opt out of marketing communications, make sure the box that says, “Yes, send me marketing emails from Mastercard International Inc. and its affiliates” is unchecked when you create your profile.

If you already opted in to receive emails, you will receive offers and news from Mastercard. To unsubscribe, select the Unsubscribe option at the bottom of any email from Mastercard Click to Pay.

Please note that we may still email you with essential updates about your Click to Pay profile.

Where can I enroll my cards in Click to Pay?

You can always enroll your Mastercards at mastercard.com/clicktopay. You can also enroll your cards when you see the Click to Pay icon at checkout or from your bank’s website or app. To add cards from other payment brands, visit their websites directly.

What mobile and web browsers are supported?

Click to Pay is designed to work with all modern web and mobile browsers, including Chrome, Firefox, Safari and Microsoft Edge. Tablet and mobile devices running either iOS 6+ or Android are also supported.

How do I add a card?

To add a card, sign into your Click to Pay profile at mastercard.com/clicktopay. Choose Mastercards and then choose the + (Add) icon.

If you are completing a purchase with the Merchant, you can add a card by choosing the + (Add) icon on the Choose a card screen. Then you can enter your card details.

You can also add a card through your bank, if you see the Click to Pay icon on your banking website or app.

Why can’t I edit a card?

At this time, you are unable to edit cards and must delete and re-add cards to change any information. To update a card, delete it from your profile and add it again with the updated information.

Why aren’t all my cards listed in my Mastercard Click to Pay profile?

Mastercard worked with the other major payment brands to create Click to Pay. When you add your Mastercard to Click to Pay, you create a Mastercard Click to Pay profile. From there, you can manage all your Mastercard payment methods in one place.

To manage cards with other payment brands, visit their Click to Pay websites.

Which cards can I use with Click to Pay?

You can add credit, debit and prepaid cards from Mastercard and other payment brands, such as American Express, Visa and Discover, to your Click to Pay profile. However, each merchant decides which cards it will accept.

What do I do if Click to Pay is not working at checkout?

We apologize for the inconvenience and will report this issue to the merchant. Please try again later.

How can I manage my remembered devices and browsers?

Click to Pay works best when you choose to remember your device. When our intelligent security recognizes you, you will skip sign-in and use your Click to Pay information to speed through checkout.

You can choose to remember your device during a Click to Pay checkout. To manage your Remembered devices, sign into your profile at mastercard.com/clicktopay.

  1. Open the menu in the top-right corner
  2. Choose Settings
  3. Then choose Remembered devices

Here, you can manage which devices and browsers are currently connected to your profile.

What does it mean to choose Remember me?

Choosing Remember me at checkout gives you faster access to your profile. Choosing this option allows your Click to Pay profile to be recognized whenever you check out with Click to Pay. If your device and browser are remembered, you will not need a verification code to sign into your profile at checkout.

Where can I manage my Click to Pay profile outside of checkout?

You can manage your Mastercard Click to Pay profile any time by visiting mastercard.com/clicktopay and entering your user ID. Here you can add or delete a card, add or delete a shipping address, manage remembered devices and browsers, and delete your profile. To manage cards and profiles with other payment brands, visit their websites.

Do I need to have an email address and a mobile number to use this profile?

Yes. You need an email address and a mobile number to use Click to Pay. To verify you and to prevent fraud, we may send verification codes to your email address or via SMS.

How can my profile be secure if it does not have a password?

Unlike static passwords that can get lost or stolen, Click to Pay sends a one-time passcode via email or SMS. This helps protect your payment information and keeps you safe from imposters.

Additionally, Click to Pay’s smart security alerts us to suspicious behavior. Hence, we can be sure that you – and only you – are using your Click to Pay profile.

Источник: https://www.mastercard.us/en-us/frequently-asked-questions.html

36%

Purchase APR (variable)

300

Recommended credit score

Details

Annual feeUp to $125
Purchase APR36% variable
Balance transfer APRN/A
Minimum Credit Score300
IssuerMastercard
Cash advance rate36% variable
Cash advance fee$6 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 27 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$29
Security depositN/A
Minimum Interest$1
Avatar

Review by

Kliment Dukovski

[email protected]

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Let’s face it — this is an expensive card when compared with other credit cards on the market. It costs $95 to get the card, plus an annual and monthly fee — and it carries a whopping 36% variable APR. It’s a tough sell for a credit card.

However, your overall cost for the First PREMIER® Bank Credit Card is substantially less than what you’d pay for to take out payday loans over a year.

How do I apply for the card?

  1. Go to the First Premier Bank site and click Apply today in the green box at the bottom of the page.
  2. Answer a few questions about your financial situation and click Continue.
  3. Enter your personal and contact information and click Continue.
  4. Your information is sent for approval.

How long will it take to get approved?

You’ll get a response within a minute of submitting your application. In some instances, First PREMIER® Bank Credit Card will take an additional seven to 10 days to determine approval and send you a response by mail. If you have questions about the status of your First PREMIER® Bank Credit Card application, call 800-987-5521.

  • Poor or no credit accepted. You can get approval with a credit score as low as 300.
  • Bonus cash. Enroll in online statements within your first 30 days when you open your account and get a $10 statement credit.
  • Build your credit. This credit card reports to all three credit bureaus, so with regular, on-time payments you could improve your credit.
  • Complex fee structure. The First PREMIER® Bank Credit Card‘s annual and monthly fees depends on your credit limit. But expect to pay a:
    • One time program fee payment from $25 to $95.
    • An annual fee from $79 to $125 for the first year and then $45 to $49 annually after that.
    • Monthly fee from $5.85 to $8 for the first year, and then from $6.25 to $10.40 after that.
  • High APR. The 36% variable interest rate is significantly more than you’ll find with other cards.
  • Foreign transaction fees. Expect to pay a 3% fee of the amount of each transaction made abroad or online with foreign merchants.

If the First PREMIER® Bank Credit Card seems expensive for your financial situation, compare other credit-building cards.

A secured credit card could be a cheaper option.

Most secured credit cards require you to deposit a certain amount, often starting from $300, which acts as your credit line.

If you can cover the initial cost, you could save more money in the long run and build your credit at the same time.

To apply for the First PREMIER® Bank Credit Card, you’ll need at least $245 to cover the deposit and fees. First PREMIER® Bank Credit Card determines your credit limit based on your credit score.

You also must:

  • Be at least 18 years old, or 21 if you’re a permanent resident of Puerto Rico.
  • Live in any US state except for New York or Wisconsin.

When you apply, you’ll need to provide the following information:

  • Your full name, address, phone number and email address
  • How long you’ve lived at your current home
  • Your Social Security number
  • Whether or not you have a checking or savings account

The Better Business Bureau gives First Premier Bank an A+ rating, but of the 11 reviews on the site, 10 are negative. Most cite poor communication and customer service. Though, First Premier attempts to resolve issues on the BBB site.

  • Keep a close eye on how much you’re spending. Don’t get caught spending money on interest on top of fees. The First PREMIER® Bank Credit Card is expensive and is better suited to build your credit and fund emergencies rather than cover everyday expenses.
  • How to make payments. Make on-time payments by phone at 800-987-5521, mail or on its site.
  • How to avoid interest. Pay your minimum payments on time or your balance in full. If you make payments in increments, make at least the minimum payment by the due date each month. The payment due date will be on the same day every month.
  • Keep your account in good standing. Improve your credit by making on-time payments and paying your balance each month. This can increase your ability to qualify for a credit card with fewer fees and a lower APR.

The First PREMIER® Bank Credit Card comes with hefty fees that are most attractive for people getting out of the payday loan cycle and looking to build their credit.

Because of the high fees, you may want to shop for other credit-building cards until you find an option that matches your needs.

  • Yes. There’s a $29 fee for an additional card.

  • Yes. You’ll pay 25% of the amount of the credit increase after you’ve had the card for at least 13 months.

  • Yes, you can. You’re limited to 10% of your credit limit when you open your account. This may increase to 50% if your account has been open for 90 days, has two consecutive months of payment history, is not currently delinquent and has no returned payments over the past 60 days.

Источник: https://www.finder.com/first-premier-credit-card
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Ask About Our Christmas Club Account!

Christmas Club Accounts are a great way to help pay for Christmas each year!

Receive a check in November for the account balance plus interest.

Fund the account through both regular and automatic deposits.

Call any of our offices for more details.

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Online Loan Payments Are Now Available!

You can now make loan payments by credit or debit card using our new Online Loan Payments feature.

Just click the image to the left to give it a try.

The permanent Online Loan Payment link can be accessed by clicking the 'PAY NOW' image near the bottom of the page.

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Real Personal Customer Service To Better Serve YOU!

  • Internet Banking
  • Remote Deposit
  • Mobile Banking
  • Bill Pay
  • Telephone Banking
  • 12 ATM Locations
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mobile banking at your fingertips

download the PBS Mobile App

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STOP FRAUD IN ITS TRACKS

While account fraud may be all around us, here at Premier Bank, we will always do our best to catch and prevent the fraud before it happens. Here are some tips to make sure you don’t become a victim!

  • Check your account daily and monitor for any kind of suspicious activity. If you don’t have our convenient and secure Internet Banking app, I encourage you to enroll.

  • NEVER give your account information to anyone claiming to be from the bank. We will NEVER ask you for it.

  • Make sure all of your information such as address, email address and cell phone number is kept current at the bank so we can easily contact you if needed.

  • Review your monthly statement and notify the bank immediately if you see anything suspicious.

As always, call any of our offices at 256-737-9900 if you have any questions or need any help. Thank you, we appreciate your business!

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Pay Now

  • Need to make your loan payment? Click here for a secure loan payment link, or call us at 256-737-9900 and make your payment using a credit or debit card.
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SECURE FILE UPLOAD

  • Need to send documents we have requested from you? Click here for a secure link to send us the information we need.
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CYBER SECURITY

  • Need tips on how to safeguard your personal information? Stay connected with these valuable resources to help combat Cyber Fraud.
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A Card With Choices

Cash Back: Earn a full 1% cash back on everything you buy. There are no spending tiers or minimums. For business, cash back is earned on all purchases up to $100,000 in annual spend. Consumer accounts earn unlimited cash back on all purchases.

Platinum: Give yourself the buying power of Platinum with a low spending rate and valuable cardmember benefits.

Click here to apply for a Consumer Card or Business Card.

Источник: https://www.premierbankofthesouth.com/

PREMIER Bankcard® Credit Cards

ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. CreditCards.com does not include the entire universe of available financial or credit offers.
CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

Источник: https://www.creditcards.com/first-premier/
Young woman enjoying a picnic in the park

Submit the application

and get an instant decision

Card

If approved,

your card will be mailed to you

Path

Pay the Program Fee2

to open your account.

Payment

Use your card responsibly,

make on-time payments and build your credit1

Apply Now

Your Credit Journey Partner

We're proud to have millions of cardholders nationwide - good people who may have had less-than-perfect credit and needed someone on their side. The First PREMIER Bank Mastercard Credit Card is designed to have a lower, manageable limit, meant to fit your budget.

If approved, your credit limit and fees will be based on your creditworthiness. See the Terms & Conditions for details.

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Simplify Your Life

Man on bus listening to music

Be sure to enroll for PREMIER’s free online account management tools:

  • View, print or download statements
  • Make payments
  • Check your balance 
  • Access anywhere, anytime with the mobile app

"PREMIER gave me an opportunity to rebuild my credit. I appreciate them opening that avenue to me again."

Robbin J. - New York

5 Star Rating

Receive PREMIER Benefits

Home

Credit Reporting

Your performance is reported directly to the major Consumer Reporting Agencies (credit bureaus)

Finance

Free FICO® Credit Score

You’ll receive your free credit score on every monthly first premier credit card faq src="https://www.mypremiercreditcard.com/media/0i0mg2l0/green-business-_-finance-primary-icon-2.svg" alt="Finance">

Cash Advance4

Use any Cirrus ATM to get cash advances from your card

Mobile

Mobile Made Easy

Make payments and manage your credit card account with the new PREMIER Credit Card mobile app

Mouse

Account Alerts

Receive email or text alerts for payment reminders, PIN changes, international purchases and more

Computer

Paperless Statements

Enroll in online statements for instant access online and on your mobile phone

"First PREMIER Bank offered me a line of credit when my scores were low. My First PREMIER card was instrumental in helping me repair and rebuild my credit."

Jamar O. - New York

5 Star Rating

A History of Helping

First PREMIER Bank and PREMIER Bankcard have been providing credit to those who need it most for 30 years. As the 12th top issuer of Mastercard credit cards in the country, PREMIER Bankcard has served millions of customers nationwide.

Apply today for a First PREMIER Bank Mastercard Credit Card and see what makes us PREMIER.

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Apply Now

Customer Feedback

4.5 Average Star Rating

4.5/5 average rating

Geraldine Q. - Nevada

5 Star Rating

Julie R. - California

5 Star Rating

Liliana G. - Texas

5 Star Rating

Michelle M. - Nevada

5 Star Rating

Disclosures

  1. Build credit by keeping your balance low and paying all your bills on time every month.
  2. There is a Program Fee, an Annual Fee and a Monthly Fee. We will not charge a Monthly Fee in the first year. The Annual Fee and Monthly Fee will change in the second year. See the for details.
  3. FICO® scores are updated quarterly.
  4. Cash advances cannot exceed current available credit. See thefor additional details.
Источник: https://www.mypremiercreditcard.com/mastercard-credit-card/

What is Click to Pay and why should I use my Click to Pay profile for online payments?

Click to Pay is fast, secure online checkout – built with intelligent security and advanced technology by the payment brands you trust.

With a Click to Pay profile, you can:

  • Skip sign-in on a remembered device pier one platinum credit card even faster checkouts.
  • Keep your payment information safe and secure with intelligent security.
  • Store your payment information securely in one profile so it is there whenever you need it.

What is the difference between Click to Pay and Mastercard Click to Pay?

Click to Pay stores all your payment information in one secure profile, so you can use your favorite card wherever you see the Click to Pay icon.

Mastercard worked with the other major payment brands to create Click to Pay. When you add your Mastercard to Click to Pay, you create a Mastercard Click to Pay profile.

You can manage all your Mastercards in your Mastercard Click to Pay profile. To manage cards with other payment brands, visit their Click to Pay websites.

What is a Click to Pay profile?

Creating a Click to Pay profile lets you store your payment information securely in one place so it is there when you need it. Pay quickly and securely anywhere you see the Click to Pay icon at checkout with a participating merchant. There are a few ways to set up a profile:

  • Create your Click to Pay profile by adding a Mastercard at mastercard.com/clicktopay.
  • Add a Mastercard to Click to Pay during checkout.
  • Some banks offer the ability to enroll your card through their mobile app and banking profile.

To manage cards and profiles with other payment brands, visit their websites.

Where can First premier credit card faq use Click to Pay?

Click to Pay is available at many popular merchants. Look for the Click to Pay icon at checkout to use your Mastercard saved in your Click to Pay profile.

Shop your favorite merchants by visiting mastercard.com/clicktopay.

How do I skip sign-in when accessing Click to Pay?

Click to Pay works best when you choose to remember your device. When our intelligent security recognizes you, you will skip sign-in and use your Click to Pay information to speed through checkout.

You can choose to remember your device during a Click to Pay checkout. To view your Remembered devices, sign into your profile at mastercard.com/clicktopay.

  1. Open the menu in the top-right corner
  2. Choose Settings
  3. Then choose Remembered devices

Is Click to Pay for online payments only?

Yes. Currently, Click to Pay is only available for online checkout.

What is my user ID?

Your user ID is the email address you used to sign up for Click to Pay.

Does it cost anything to use Click to Pay?

It does not cost anything to create or pay with a Click to Pay profile.

What if I do not want to receive marketing emails from Click to Pay?

To opt out of marketing communications, make sure the box that says, “Yes, send me marketing emails from Mastercard International Inc. and its affiliates” is unchecked when you create your profile.

If you already opted in to receive emails, you will receive offers and news from Mastercard. To unsubscribe, select the Unsubscribe option at the bottom of any email from Mastercard Click to Pay.

Please note that we may still email you with essential updates about your Click to Pay profile.

Where can I enroll my cards in Click to Pay?

You can always enroll your Mastercards at mastercard.com/clicktopay. You can also enroll your cards when you see the Click to Pay icon at checkout or from your bank’s website or app. To add cards from other payment brands, visit their websites directly.

What mobile and web browsers are supported?

Click to Pay is designed to work with all modern web and mobile browsers, including Chrome, Firefox, Safari and Microsoft Edge. Tablet and mobile devices running either iOS 6+ or Android are also supported.

How do I add a card?

To add a card, sign into your Click to Pay profile at mastercard.com/clicktopay. Choose Mastercards and then choose the + (Add) icon.

If you are completing a purchase with the Merchant, you can add a card by choosing the + (Add) icon on the Choose a card screen. Then you can enter your card details.

You can also add a card through your bank, if you see the Click to Pay icon on your banking website or app.

Why can’t I edit a card?

At this time, you are unable to edit cards and must delete and re-add cards to change any information. To update a card, delete it from your profile and add it again with the updated information.

Why aren’t all my cards listed in my Mastercard Click to Pay profile?

Mastercard worked with the other major payment brands to create Click to Pay. Fingerhut contact us phone number you add your Mastercard to Click to Pay, you create a Mastercard Click to Pay profile. From there, you can manage all your Mastercard payment methods in one place.

To manage cards with other payment brands, visit their Click to Pay websites.

Which cards can I use with Click to Pay?

You can add credit, debit and prepaid cards from Mastercard and other payment brands, such as American Express, Visa and Discover, to your Click to Pay profile. However, each merchant decides which cards it will accept.

What do I do if Click to Pay is not working at checkout?

We apologize for the inconvenience and will report this issue to the merchant. Please try again later.

How can I manage my remembered devices and browsers?

Click to Pay works best when you choose to remember your device. When our intelligent security recognizes you, you will skip sign-in and use your Click to Pay information to speed through checkout.

You can choose to remember your device during a Click to Pay checkout. To manage your Remembered devices, sign into your profile at mastercard.com/clicktopay.

  1. Open the menu in the top-right corner
  2. Choose Settings
  3. Then choose Remembered devices

Here, you can manage which devices and browsers are currently connected to your profile.

What does it mean to choose Remember me?

Choosing Remember me at checkout gives you faster access to your profile. Choosing this option allows your Click to Pay profile to be recognized whenever you check out with Click to Pay. If your device and browser are remembered, you will not need a verification code to sign into your profile at checkout.

Where can I manage my Click to Pay profile outside of checkout?

You can manage your Mastercard Click to Pay profile any time by visiting mastercard.com/clicktopay and entering your user ID. Here you can add or delete a card, add or delete a shipping address, manage remembered devices and browsers, and delete your profile. To manage cards and profiles with other payment brands, visit their websites.

Do I need to have an email address and a mobile number to use this profile?

Yes. You need an email address and a mobile number to use Click to Pay. To verify you and to prevent fraud, we may send verification codes to your email address or via SMS.

How can my profile be secure if it does not have a password?

Unlike static passwords that can get lost or stolen, Click to Pay sends a one-time passcode via email or SMS. This helps protect your payment information and keeps you safe from imposters.

Additionally, Click to Pay’s smart security alerts us to suspicious behavior. Hence, we can be sure that you – and only you – are using your Click to Pay profile.

Источник: https://www.mastercard.us/en-us/frequently-asked-questions.html

36%

Purchase APR (variable)

300

Recommended credit score

Details

Annual feeUp to $125
Purchase APR36% variable
Balance transfer APRN/A
Minimum Credit Score300
IssuerMastercard
Cash advance rate36% variable
Cash advance fee$6 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 27 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$29
Security depositN/A
Minimum Interest$1
Avatar

Review by

Kliment Dukovski

[email protected]

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Let’s face it — this is an expensive card when compared with other credit cards on the market. It costs $95 to get the card, plus an annual and monthly fee — and it carries a whopping 36% variable APR. It’s a tough sell for a credit card.

However, your overall cost for the First PREMIER® Bank Credit Card is substantially less than what you’d pay for to take out payday loans over a year.

How do I apply for the card?

  1. Go to the First Premier Bank site and click Apply today in the green box at the bottom of the page.
  2. Answer a few questions about your financial situation and click Continue.
  3. Enter your personal and contact information and click Continue.
  4. Your information is sent for approval.

How long will it take to get approved?

You’ll get a response within a minute of submitting your application. In some instances, First PREMIER® Bank Credit Card will take an additional seven to 10 days to determine approval and send you a response by mail. If you have questions about the status of your First PREMIER® Bank Credit Card application, call 800-987-5521.

  • Poor or no credit accepted. You can get approval with a credit score as low as 300.
  • Bonus cash. Enroll in online statements within your first 30 days when you open your account and get a $10 statement credit.
  • Build your credit. This credit card reports to all three credit bureaus, so with regular, on-time payments you could improve your wells fargo second opportunity checking account fee structure. The First PREMIER® Bank Credit Card‘s annual and monthly fees depends on your credit limit. But expect to pay a:
    • One time program fee payment from $25 to $95.
    • An annual fee from $79 to $125 for the first year and then $45 to $49 annually after that.
    • Monthly fee from $5.85 to $8 for the first year, and then from $6.25 to $10.40 after that.
  • High APR. The 36% variable interest rate is significantly more than you’ll find with other cards.
  • Foreign transaction fees. Expect to pay a 3% fee of the amount of each transaction made abroad or online with foreign merchants.

If the First PREMIER® Bank Credit Card seems expensive for your financial situation, compare other credit-building cards.

A secured credit card could be a cheaper option.

Most secured credit cards require you to deposit a certain amount, often starting from $300, which acts as your credit line.

If you can cover the initial cost, you could save more money in the long run and build your credit at the same time.

To apply for the First PREMIER® Bank Credit Card, you’ll need at least $245 to cover the deposit and fees. First PREMIER® Bank Credit Card determines your credit limit based on your credit score.

You also must:

  • Be at least 18 years old, or 21 if you’re a permanent resident of Puerto Rico.
  • Live in any US state except for New York or Wisconsin.

When you apply, you’ll need to provide the following information:

  • Your full name, address, phone number and email address
  • How long you’ve lived at your current home
  • Your Social Security number
  • Whether or not you have a checking or savings account

The Better Business Bureau gives First Premier Bank an A+ rating, but of the 11 reviews on the site, 10 are negative. Most cite poor communication and customer service. Though, First Premier attempts to resolve issues on the BBB site.

  • Keep a close eye on how much you’re spending. Don’t get caught spending money on interest on top of fees. The First PREMIER® Bank Credit Card is expensive and is better suited to build your credit and fund emergencies rather than cover everyday expenses.
  • How to make payments. Make on-time payments by phone at 800-987-5521, mail or on its site.
  • How to avoid interest. Pay your minimum payments on time or your balance in full. If you make payments in increments, make at least the minimum payment by the due date each month. The payment due date will be on the same day every month.
  • Keep your account in good standing. Improve first heritage bank centralia ks credit by making on-time payments and paying your balance each month. This can increase your ability to qualify for a credit card with fewer fees and a lower APR.

The First PREMIER® Bank Credit Card comes with hefty fees that are most attractive for people getting out of the payday loan cycle and looking to build their credit.

Because of the high fees, you may want to shop for other credit-building cards until you find an option that matches your needs.

  • Yes. There’s a $29 fee for an additional card.

  • Yes. You’ll pay 25% of the amount of the credit increase after you’ve had the card for at least 13 months.

  • Yes, you can. You’re limited to 10% of your credit limit when you open your account. This may increase to 50% if your account has been open for 90 days, has two consecutive months of payment history, is not currently delinquent and has no returned payments over the past 60 days.

Источник: https://www.finder.com/first-premier-credit-card

First Premier Bank Credit Card review


First Premier Bank Credit Card overview

The First Premier Bank Credit Card is designed for consumers with low credit scores who may not be approved for most other unsecured credit cards. You shouldn’t plan to use this card long term. Instead, this is a card to use for a short time to build your credit before moving on to a more traditional credit card that offers rewards, lower fees, a higher credit limit and lower interest rates.  Card rating*: ⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

This page includes information about the Discover it Secured that is not currently available on The Points Guy and may be out of date.

If you have limited credit or are working to repair your credit, you may not have many appealing options when it comes to credit cards. Most rewards credit cards will want to see a higher credit score and stronger credit history before extending credit. So, if you have bad or poor credit, you may need first premier credit card faq temporarily rely on a secured credit card or an unsecured credit card with high fees while you work to improve your credit score.

The First Premier Bank Credit Card is an unsecured credit card designed for consumers with low credit scores who otherwise may be turned down for a credit card. So, if you have good or excellent credit, or can be approved for a no-annual-fee credit card from other issuers, this card isn’t for you. But, if you have less-than-perfect credit and are struggling to get a credit card, you may be interested in the First Premier Bank Credit Card.

New to The Points Guy? Sign up for our TPG daily newsletter and check out our beginner’s guide.

In This Post

Who is this card for?

(Photo by John Gribben for The Points Guy)

The First Premier Bank Credit Card is for consumers who are working to build or repair their credit and can’t be approved for most traditional credit cards. Due to the card’s high fees and lack of rewards, you will only want to get this card if you can’t be approved for a credit card with lower fees and aren’t willing to use a secured credit card.

If you opt to use the First Premier Bank Credit Card, you hopefully bankoh hawaiian airlines visa need to keep this card for more than 18 to 24 months. This is because if you use the card responsibly during this time, you should be able to improve your credit enough to be approved for other cards.

This card isn’t available to residents of New York and Wisconsin. Additionally, this card isn’t available to active-duty military personnel and their dependents who are covered borrowers under the Military Lending Act.

Related reading: Secured vs. unsecured credit cards: What you should know

How to use this card

(Photo by Eric Helgas for The Points Guy)

The First Premier Bank Credit Card is unsecured, so you’ll be assigned a credit limit by the issuer if you’re approved. This credit limit will be $300, $400, $500, $600, $700 or $1,000, depending on your creditworthiness. However, your annual fee will be deducted from this credit limit, so your initial available credit will be your credit limit minus your annual fee.

Your primary goal while using this card should be to improve your credit score so you can get approved for a credit card with rewards, lower fees and a higher credit line. Many different components go into calculating your credit score, but FICO — one of the primary formulas used to calculated credit scores — states that 35% of your score is based on your payment history and 30% of your score first premier credit card faq based on your credit utilization ratio.

Payment history

If you get behind in making payments, this will harm your credit score. But, if you pay on time, this can improve your credit score. You’ll want to pay at least the minimum amount due each month by the due date to boost your payment history. It’s better to pay the statement balance by the due date each month, as this will allow you to avoid interest charges as well as keep your credit utilization low.

Related reading: Does it hurt to pay off your credit card balance before the billing cycle ends?

Credit utilization

Your debt-to-credit ratio is the total of your debts divided by the total amount of credit that you’ve been extended across all accounts. As a rule of thumb, it’s best to keep your debt-to-credit ratio below 20%. If you are using the First Premier Bank Credit Card, this will mean keeping your current balance below $60 if your credit limit is $300, and keeping your balance below $200 if your credit limit is $1,000. To do so, you may want to pay down your card balance multiple times throughout the month instead of only when your to kill a mockingbird is due.

Related reading: Credit utilization ratio: What is it and how it affects your credit score

Fees and disadvantages with this card

(Photo by John Gribben for The Points Guy)

The main reason I rated this card so poorly is the many fees that it charges and how confusing they can be, even to someone accustomed to reading credit card terms and conditions. Let’s go through all the fees and disadvantages so you can make an informed decision.

Annual fee, monthly fees and program fee

As mentioned earlier, your credit limit with the First Premier Bank Credit Card will be $300, $400, $500, $600, $700 or $1,000 depending on your creditworthiness. The card’s annual fee, monthly fees and program fee vary based on your credit limit.

Credit limitProgram fee (one-time fee)Annual feeMonthly fee
$300$95$75 the first year, then $45 annuallyNone the first year, then $6.25 per month
$400$95$100 the first year, then $45None the first year, then $6.25 per month
$500$95$125 the first year, then $49None the first year, then $10.40 per month
$600$75$79 the first year, then $49$5.85 per month the first year, then $8.25 per month
$700$55$79 the first year, then $49$8.00 per month the first year, then $10.40 per month
$1,000$25$79 the first year, then $49$8.00 per month the first year, then $10.40 per month

The program fee must be paid in full before the credit account is opened. If you are approved but don’t pay the program fee in full within 85 days from the date the application was approved, your application will be withdrawn.

The annual fee will be charged once your credit account is opened, and then in about the same billing cycle of each following year. The monthly fee will be billed until your credit account is closed and the balance is $20 or less.

No benefits — besides the benefit of having access to a credit card — are provided for these fees. Instead, First Premier says the program fee is “to offset the risk associated with the credit account.”

Related reading: The best no-annual-fee credit cards

Interest rates and interest charges

If you pay your statement balance in full each month and don’t use cash advances, you should be able to avoid interest charges. But it’s a good idea to at least know what the interest rates and interest charges are on your card.

The First Premier Bank Credit Card has one of the highest annual percentage rates (APR) for purchases as well as cash advances that I’ve seen, at 36%. Luckily, your first premier credit card faq date is at least 27 days after the close of each billing statement, and you won’t be charged interest on purchases as long as you pay your entire balance by the due date each month.

You’ll be charged interest on cash advances starting on the transaction date, though. So, if you use a cash advance (which you should generally avoid), you should pay off your entire balance as soon as possible after doing so.

Related reading: The top no-annual-fee credit cards with a 0% intro APR

Other fees

There’s an assortment of other fees charged by the card, such as the following:

  • Cash advance transaction fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
  • Foreign currency transaction fee: 3% capital one credit card contact customer service each transaction amount in U.S. dollars
  • Additional card fee: $29 per year per additional card
  • Late payment penalty fee: Up to $39
    • If first premier credit card faq do not pay the minimum payment plus the past due amount by the payment due date, you’ll be charged a late payment fee of $28
    • If you do not pay the minimum payment plus the past due amount by the payment due date again in the next six billing cycles, you’ll be charged a late payment fee of $39
    • The late payment fee will never exceed the minimum payment plus the past due amount shown on your statement
  • Return item charge penalty fee: Up to $39
    • If a payment you make is returned unpaid, you’ll be charged a return item charge of up to $28
    • If another payment is returned in the next six billing cycles, you’ll be charged a return item charge of up to $39
  • Credit limit increase fee: 25% of the amount of the credit limit increase
    • This fee is assessed to your credit account each time your account is approved for a credit limit increase
    • This fee is automatically assessed upon approval of a credit limit increase
    • The fee will be refunded (and your credit limit increase reversed) if you reject the credit limit increase within 30 days after the date of the billing statement on which the fee is billed
  • Copying fee: $3 per copy for any statement, sales draft or other documents you request
  • Express delivery fee: $35 for express delivery due to lost, stolen or replacement cards
  • Wire transfer fee: $5 per transaction

Related reading: Common credit card mistakes and how to avoid them

Other cards to consider

(Photo by Orli Friedman / The Points Guy)

If you’re looking for a credit card to help improve your credit score, you may want to consider a secured credit card. Secured credit cards require that you put down a deposit equal to your credit line, but the fees on many secured cards are much lower than those on the First Premier Bank Credit Card. Some secured credit cards like the Discover it Secured and BankAmericard Secured first premier credit card faq state street bank summer internship 2020 don’t charge an annual fee and may even move you to an unsecured credit line as your credit score improves. The Discover it Secured even provides cash-back rewards.

The information for the BankAmericard Secured credit card and Discover it Secured has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Even if you want to stick to unsecured credit cards, there may be better options than the First Premier Bank Credit Card. For example, the Indigo Platinum Mastercard is designed for consumers with bad to fair credit, but it has lower fees and you could pre-qualify without needing a hard credit pull. Credit One offers some credit cards that have modest fees and offer limited cash-back earning for consumers who are rebuilding their credit.

Related reading: How to earn points and miles with fair to poor credit

Frequently asked questions

Does First Premier increase credit?

First Premier cardholders first premier credit card faq be eligible for a credit limit increase once their credit card account has been open for 13 months. But, each time your account is approved for a credit limit increase, you’ll need to pay a fee of 25% of the amount of journey to the west conquering the demons download 1080p credit limit increase.

Related reading: How to increase your credit limit

What credit score do you need to get a First Premier credit card?

First Premier credit cards are designed for consumers with bad or poor credit, so there’s no minimum credit score required. However, not all applicants will be accepted.

Related reading: 7 ways to maximize your chances of being approved for a credit card

Can I withdraw money from my First Premier Bank credit card?

You can withdraw money from the First Premier Bank Credit Card as a cash advance. Once your account is open, your initial cash advance limit will be 10% of your credit limit. But, once your account has been open and active for at least 90 days, has two consecutive months of current payment history, is not delinquent and has had no return payments for the past 60 days, your cash advance limit may be increased to 50% of your credit limit.

If you take a cash advance, you’ll need to pay a cash advance transaction fee of $8 or 5% of the cash advance, whichever is greater. And, you’ll start accruing interest on cash advances immediately. So, it’s best to avoid taking cash advances.

Related reading: 7 ways to save on overseas ATM withdrawals

Should I enroll in First Premier’s credit protection program?

The First Premier Bank Credit Card offers optional credit protection, which may pay the minimum payment due on your first premier credit card faq statement if the primary cardholder enrolls and then experiences involuntarily unemployment, disability, unpaid family leave, hospitalization or loss of life. The monthly cost of optional credit protection is $0.89 for each $100 of your outstanding ending monthly balance.

If you enroll in optional credit protection and then need to use this benefit, you’ll continue to accrue interest and other fees during the benefit period but you will not be able to use your account for any purpose. So, for most cardholders, it will be best to turn down the optional credit protection program and instead work on creating an emergency fund.

Related reading: Which budgeting technique is right for you?

Should I close my First Premier Bank credit card?

Generally, it’s best to keep credit card accounts open to increase your average account age. But, unless you can downgrade to a no-fee card with First Premier Bank — which doesn’t seem to be an option — it will likely be best to close your card account once you’ve been approved for a more traditional credit card with lower fees.

Related reading: How to find the best pre-qualified credit card offers

Is First Premier Bank legit?

First Premier Bank is located in South Dakota. Its sister organization, Premier Bankcard, issues the First Premier Bank Credit Card and is the 12th-largest issuer of Mastercard credit cards in the U.S. Both organizations are held by United National Corporation.

Related reading: The best national banks — and the perks of banking with one of them

Bottom line

(Photo by John Gribben for The Points Guy)

The First Premier Bank Credit Card serves a particular subset of consumers who need an unsecured credit card but have bad or poor credit. It’s unreasonable to expect this card to offer the same benefits, rates and fees as credit cards that require excellent credit. But, this card charges exceptionally high fees — including a monthly fee, annual fee and program fee — while offering a low credit limit of $300 to $1,000 that’s based on creditworthiness.

The First Premier Bank Credit Card can be a useful product if you don’t want to use a secured credit card and aren’t able to be approved for an unsecured credit card with lower fees. But I wouldn’t recommend applying until you’re debt-free and actively working to improve your credit. This way, you can focus on using the card responsibly before switching to a lower fee card with a higher credit limit once you see that your credit score has improved enough.

Featured photo by John Gribben/The Points Guy.

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Katie Genter is a location independent digital nomad who has traveled full-time since June 2017. Her focus at TPG is points, miles, loyalty and credit cards.
Источник: https://thepointsguy.com/guide/first-premier-credit-card/

First Premier Bank Payment Guide

Author: admin

First Premier Bank is one of the biggest credit card issuers in the United States. Headquartered at Sioux Falls, South Dakota, the company specializes in offering credit to customers with average or bad credit. If you own a First Premier Bank credit card and want to know fcbc church pastor you can pay the monthly bills online, read on.

First Premier Bank

www.mypremiercreditcard.com

Review your credit card activity and navigate to the payment option. Enter your checking account information like ABA number and account number. Select the amount you wish to pay and schedule the date on which it should be paid. You are done now – your bill amount will be paid on the date you have specified. Your account also offers you the ability to view your transaction history, available credit and more. If you do not own an account, you can register for one through this link.

www.mypremiercreditcard.com register

www.mypremiercreditcard.com register

This is a free payment service.  All payments will be posted to your account within one or two business days.

If you do not wish to register an account, you can still make a one time online payment through Western Union Speedpay.
speedpay.com PremierBankcard

Visit this link to do so. Just enter your account number and proceed to make a card payment. Note that you will be charged a service fee of $3.25 per transaction.

Apps:
First Premier Bank APP

In addition to online payments, you can also pay your Premier credit card bills through phone, mail, bank wire etc. Plus, you can also set up automatic payments. If you would like to know more about the payment options, contact the company’s customer service at 1-800-987-5521.

First Premier Bank

Phone:1-800-987-5521

Phone:605-978-9778

or

Online Banking, Mobile Banking & Bill Pay Services:800-501-6125

Make a Payment (Option #2)

Check Balance & Available Credit (Option #1, enter account information)

Request a PIN (Option 1, enter account information, Option #4)


Express Payment Address

3820 N Louise Ave

Sioux Falls, SD57107

Correspondence Address:

PO Box 5524

Sioux Falls, SD57117-5524

Источник: https://kudospayments.com/credit-card-payments/mypremiercreditcard-bill-pay/

Premier Bank may authorize overdrafts and assess an overdraft fee on transactions made by check, ACH, and other automatic payments.

Premier Bank will not authorize any ATM and debit card transactions that will overdraw your account without first receiving your affirmative written consent to do so by opting-in to the bank’s Overdraft Privilege Program (see below for details).

Below is a list of Premier How mortgage monthly payments are calculated overdraft protection options.


1. OVERDRAFT PRIVILEGE PROGRAM

Cost: free enrollment; current overdraft fees apply

Premier Bank will authorize and assess an overdraft fee on transactions made by ATM and debit card transactions that will overdraw your account up to a pre-determined limit for eligible consumers. Overdraft fees will be added to any outstanding overdrafts you may have and will be applied against your overdraft limit. Your account will be charged the current fee for each item whether paid or returned unpaid.

This service is offered at the discretion of Premier Bank and may be revoked at the discretion of Premier Bank.

Click here obtain more information: What You Need to Know about Overdrafts and Overdraft Fees

This overdraft option requires your affirmative written consent by opting-in to the program. To sign-up for this overdraft option, contact a bank representative at 563-588-1000.


2. AUTOMATIC TRANSFER AGREEMENT

Cost: $10.00 per transfer

Transfers from your checking, savings or money market account will be made in multiples of $100 to cover each overdraft in your checking account. ATM and debit card transactions will only be authorized based on an available balance in your transfer account.

To sign-up for this overdraft option, contact a bank representative at 563-588-1000.


3. OVERDRAFT LINE OF CREDIT

Cost: $20.00 annual fee

Advances in increments of $100 on an eligible line of credit can be made to cover each overdraft on your checking account up to your credit limit. ATM and debit card transactions will only be authorized based on an available balance in your line of credit. Interest will be charged per your loan agreement on the outstanding balance on your line of credit.

To apply for this overdraft option, contact a bank representative at 563-588-1000.

Источник: https://www.premierbanking.bank/overdraft
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