Premier Bank Card

These people prey on people with bad credits or not so good credit,to rill you in as if they willing to help you with your credit, but if any emergency case or you happen to get behind if you call customer service they have a scam put in place where they act as if they will agree to give you a credit if you make a payment and it will be available, that's a LIE Dagan the customer guy is the one who told me that or patronize me in to believing that just so that they could take my payment and put it towards fees so it was not a credit of $100 which was my payment and the $39 he claim they would credit as well once they took all but $18 which was available but yet because I still was behind couldn't use that either...smh so in the future choose another company unless u have the entire amount.and when I tried to make a complaint about it with the supervisor Amy she just justified the wrong as if I was not given misleading information.so thank you premier! This company does not care about the customers they are out to just take and make money.they will surely report to the credit bureau when you are late,but take their time to report when you are on time if they even report it at all. Smh

Even if you're at your worst coming off bankruptcy or whatever your financial situation is, please never use this institution even if it is to get your credit going it is the worst possible option for you. I had two of their credit cards for over three years and on top of the annual fee, way too high interest rate. They also have so many hidden fees that you just are aware of I kept both my cards completely paid off and was still charged multiple times for ridiculous fees on top of this. I felt threatened multiple times after just trying to close my cards. Mind, you totally paid off, spoke down to, and at one point I was actually told they were doing me a favor. Imagine being charged monthly even after your card is paid off with no explanation of whatever the fee is other than it's $12 a month. This is a horrible business. The customer service is awful. Please do yourself a favor and don't make the mistake of doing business with this company. Even after I closed my account they still continue to charge me $12 a month even though my credit is at zero and was totally paid off and account closed. The worst was how I was treated by customer service. I truly believe I was threatened multiple times as I was told that this was going to expedite to the credit bureaus to intentionally lower my credit score. I was offered on both cards a $45 bonus to take care of those fees for a couple months which seems to be their tactic on top of the fact that multiple times my card was used without fraudulent purposes on my end, the money was eventually replaced. However, this company is meant to scam you, I understand we're at a point in this world where everybody needs to make money, however, do not get took an advantage by this company

Every executive at your company can go choke on a bag of $#*!s! I hope you stop $#*!ing your customers over.

This is a REAL company that issues "fee based" credit cards for folks with prior credit problems, bankruptcy and other previous personal credit issues.

FEE BASED means that they issue credit on a limited basis and charge fees. Sometimes rather exorbitant fees. But if you're looking to re-establish your credit you might want to look into this. Two people that I know have these and they report your new credit and payment history to the credit bureaus. There is, I understand, an initial fee structure and the interest rate is VERY high so you would want to use your new card carefully. Apparently they start you out with about a $300 credit line. There are also some other fees as well. I suppose this is understandable as they are taking a substantial risk issuing actual unsecured credit cards to folks with prior credit problems. But it is a manageable way to re-establish yourself.

From what I understand, the online application process is simple, and you get your approval and new credit card within a couple of weeks. At least I have confirmed that this is a LEGITIMATE company (I've seen the actual credit card they issue and statement). This was a big help to friend who had a divorce and serious credit issues a few years ago. As always, proceed with caution as the fees can be rather nasty if you screw around with the card too much or max it out. But it is, as I say, a REAL UNSECURED starter credit card (no deposit required).

They refuse to respond after I paid my $75.00 sign up fee. They are thieves who take advantage of those who have been victims of identity theft.

Tried to use my card one day to find out my card was locked said to be possible fraudulent charges. I then call in to get them to unlock my card and pay off my balance. They take my payment and then tell me my account is suspended due to possible fraud with balance payments. Or fraudulent bank payments. I vot a notice ove 90 days ago saying that they are going to have to investigate the payments i made and make sure the account i was paying from was actually in my name.( which it is as a matter of fact) then a few days ago i got another letter in the mail now saying their is possible fraud with my social and my address and i needed to prove that i was actually who i claimed to be and that my address was correct. Same address for the last 5 years by the way. I sent in the verification documents that they requested and now im being told that i have to wait another possible 90 days or more for them to look at the proof and then they can still close my account even though everything they tried to say was fraud has been proven to be wrong on their part. And they are all to happy to take the payments that i made now equalling a total of almost 700 dollars for a half $#*! 300 limit and since they have put my account in a red flag state for fraud it has caused my credit score to drop with a max on my credit cap and also put a red flag on my company credit card. So not only have they caused my credit to drop by 34 points but they have caused me to have to close the doors to my shop because i cant buy anything with my other card till i have proof that i am no longer be investigated for fraud. So thanks Premier you have done the exact opposite of the promises you make duping suckers in to make a fortune off those with less then desirable credit history. You should be $#*! down as soon as my card has been released since i have a 0 balance i am going to demand a correction on my credit report and demand that they close my account and refund me for the $#*! Ive had to pay just to give them the verification they demanded. I might even attempt to reclaim the last income due to their goss abuse of power over someones finances. Oh and thanks to them and holding up now my two credit cards i just found out i missed a loan payment and don't know how im going to keep from defaulting on it because i cant buy the product i need to reopen my store. Nice blow to a single woman's whole world you guys are the one that should be investigated for fraud.