Where Can I Use My First Premier Credit Card

Enrollment And Log In

• How do I enroll on mypremiercreditcard.com?
• Enter your Credit Card Number and Social Security Number.
• Create your username and password.
• A valid username must be 8-32 characters long and contain no symbols or spaces.
• A valid password must be 8-64 characters long and must include both upper and lower case letters and a number or a special character.

Has Congress Directly Spoken On The Precise Issue And Is The Language Of The Statute Unambiguous

First, always, is the question whether Congress has directly spoken to the precise question at issue.Chevron,467 U.S. at 842, 104 S.Ct. 2778. In that first step, f the intent of Congress is clear, that is the end of the matter for the court, as well as the agency, must give effect to the unambiguously expressed intent of Congress.Livestock Mktg. Ass’n,132 F.Supp.2d at 826 . The Supreme Court recognized:

The judiciary is the final authority on issues of statutory construction and must reject administrative constructions which are contrary to clear congressional intent. If a court, employing traditional tools of statutory construction, ascertains that Congress had an intention on the precise question at issue, that intention is the law and must be given effect. Livestock Mktg. Ass’n,132 F.Supp.2d at 82627 .

If the terms of a credit card account under an open end consumer credit plan require the payment of any fees by the consumer in the first year during which the account is opened in any aggregate amount in excess of 25 percent of the total amount of credit authorized under the account when the account is opened, no payment of any fees may be made from the credit made available under the terms of the account.15 U.S.C. § 1637. The court must look at this plain language of the statute and determine if it is clear and unambiguous or if Congress left a gap for the agency to fill.

How Long Does It Take To Hear Back From Mastercard

So the standard timeframe in which you can expect to be approved for a credit card and receive it by mail is approximately 3-4 weeks. If youre not approved instantly, count on 7-10 business days for approval and 7-10 business days for delivery.

Can I use my First Premier credit card before it arrives?

You cannot use your First PREMIER® Bank Classic Credit Card instantly after approval. You have to wait for your card to arrive in the mail to be able to use it. This can take 7-10 business days after being approved for a new account.

Can you track your credit card in the mail?

Issuers that allow you to track the delivery of your credit card: Citibank: You can check your Citibank credit card delivery status by calling customer service at 201-4523. USAA: When you apply for a credit card, USAA provides you with tracking information via email.

How do I check my application status for US bank?

You can check your U.S. Bank credit card application status by either logging into your U.S. Bank account online or calling customer service at 947-1444 and providing your Social Security number. Youll find out if your application is approved, denied, or pending.

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This Card Is Best For

The First Premier Mastercard is designed for applicants with poor credit who want to build or restore their credit history . Its also for such people who prefer not to come up with the security deposit required for a secured card, the leading alternative for those with no or damaged credit who want to improve their creditworthiness.

However, while the First Premier Mastercard involves no security deposit, you must have up to $95 on hand for its program fee soon after you are approved for the card, and other charges follow. This, then, is not a card for those who hope to get credit and yet cant come up with money to begin that process.

Which Premier Bankcard Credit Card Is The Easiest To Get

The PREMIER Bankcard® Secured Credit Card is the easiest to acquire, but you must be able to post at least $200 in refundable collateral. The card is also the most efficient because it doesnt charge setup or maintenance fees, leaving you more money to buy things rather than pay fees.

If you cant qualify for any credit cards from PREMIER Bankcard®, you may want to consider getting a prepaid debit card. You can get a prepaid debit card without a credit check.

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Who Can Benefit From Getting The First Premier Bank Mastercard Credit Card

People with severely damaged credit are the ones that will benefit from getting the First PREMIER® Bank Mastercard®. However, it would be best if you don’t plan to use this card long-term.

The First PREMIER® Bank Mastercard® is meant to be used for a short time to build your credit before moving to more conventional cards. Anyone with a bank account can access this card, but you’ll instantly be inundated with lots of fees and limitations.

It is a subprime product with relatively unfriendly terms and a staggering APR . Moreso, it has no benefits or shopping/ travel protections attached.

Close A First Premier Credit Card Account

As you can see, there are many reasons why one might choose to cancel a First Premier credit card. Whether youre no longer in need of this specific credit card or youre handling a loved ones accounts, this is something you should take seriously.

Your financial legacy is no small matter. This is a way to make an impact on your estate, family, and so on. That means you should take care when closing your account or loved ones accounts, especially when tied to credit scores.

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First Premier Bank V United States Consumer Fin Prot Bureau

Civ. 114103KES.

2011-09-23

FIRST PREMIER BANK and Premier Bankcard, LLC, Plaintiffs, v. The UNITED STATES CONSUMER FINANCIAL PROTECTION BUREAU and Timothy F. Geithner, in his official capacity as Secretary of the United States Department of the Treasury and acting Director of the Consumer Financial Protection Bureau, Defendants.

Bryan R. Freeman, James P. McCarthy, Kelly G. Laudon, Lindquist & Vennum, P.L.L.P., Minneapolis, MN, Shane E. Eden, Vincent M. Roche, Davenport, Evans, Hurwitz & Smith, LLP, Sioux Falls, SD, for Plaintiffs. John Robert Coleman, Bureau of Consumer Financial Protection, Washington, DC, for Defendants.

KAREN E. SCHREIER

Bryan R. Freeman, James P. McCarthy, Kelly G. Laudon, Lindquist & Vennum, P.L.L.P., Minneapolis, MN, Shane E. Eden, Vincent M. Roche, Davenport, Evans, Hurwitz & Smith, LLP, Sioux Falls, SD, for Plaintiffs. John Robert Coleman, Bureau of Consumer Financial Protection, Washington, DC, for Defendants.

How Do Premier Bankcard Credit Cards Work

PREMIER Bankcard® has two credit cards. The PREMIER Bankcard® Mastercard® Credit Card is unsecured, meaning you can get it without posting collateral. The PREMIER Bankcard® Secured Credit Card is best for people who are new to credit and has different terms and conditions. Both operate as regular credit cards that you can use to purchase items at stores, over the phone, online, and in-app.

The cards provide a generous grace period following the close of each billing cycle. You dont accrue interest on purchases if you pay for them in full during the grace period.

If you prefer, you can carry an outstanding balance to the next billing cycle by paying less than the amount due, as long as it satisfies the minimum payment requirement. Once you begin carrying a balance, the grace period is suspended until you repay the entire balance.

You can use a PREMIER Bankcard® credit card for purchases up to your assigned credit limit. You can also take a cash advance of up to 50% of your available credit limit, as long as your total doesnt exceed the overall credit limit.

The PREMIER Bankcard® Mastercard® Credit Card configures setup, annual, and monthly fee schedule according to your credit limit, which can range from $300 to $700.

However, the secured card generally has lower fees than its unsecured siblings.

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Destroy Your Canceled Cards

Last but not least, destroy your canceled credit cards. You can use a paper shredder, scissors, or mail the card back to your bank. Similarly, if you have any authorized users on your account, be sure these cards are destroyed. They cant be used once your account is closed for good.

Remove your card information from any password manager tools. Finally, be sure you dont have any automatic payments scheduled for this credit card. If so, you could risk fees. Though its a lot of steps to cancel a credit card, this is an important way to protect your finances.

How Do I Make A Payment On My First Premier Card Account

The user must log in to his credit card account online using the methods listed above in order to pay his credit card bill. After login into the online account, the user will be presented with payment alternatives. As an alternative, you can pay by phone, mail, or at the local branch.Another way to pay the payment is by authorizing an automatic withdrawal from your bank account, in which case the credit card company will conveniently withdraw the monthly balance from your bank account.

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Interest Rates And Interest Charges

If you pay your statement balance in full each month and dont use cash advances, you should be able to avoid interest charges. But its 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 for purchases as well as cash advances that Ive seen, at 36%. Luckily, your due date is at least 27 days after the close of each billing statement, and you wont be charged interest on purchases as long as you pay your entire balance by the due date each month.

Youll be charged interest on cash advances starting on the transaction date, though. So, if you use a cash advance , you should pay off your entire balance as soon as possible after doing so.

First Premier Credit Card Review

First Premier from First PREMIER Bank all information about the credit card.

Hanna Volkava

• Rewards Rate:
• This card doesn’t offer cash back, miles or points.

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If Denied Try Another Credit Card Option

The First PREMIER Bank credit card is designed specifically for those with low credit scores. Unfortunately, this doesnt mean youre guaranteed to be approved when you apply, even if your credit score is higher than that of the typical applicant.

While reasons for denial vary, they can be based on anything from your income to your credit report. Since each issuer will have its own standards for approval, being denied a First PREMIER credit card doesnt mean youll be denied by other issuers.

Those who are unsure about their chances for approval and dont want to risk a hard credit pull can check for pre-qualification offers with each bank. Although pre-qualification doesnt mean youll definitely be approved, it can be an indicator that your chances are good.

First Premier Bank Mastercard Credit Card Review

The First PREMIER® Bank Mastercard® Credit Card is a good choice for consumers with low credit scores or no credit history who can’t be approved for the most traditional .

With the Credit Card from First Premier®, you can be charged an annual fee of $75 – $125 the first year and $45 each year after that, depending on your creditworthiness and credit limit assigned.

Let’s discuss the First Premier® Bank Mastercard’s pros and cons, which is a pricey unsecured card that requires no security deposit but with exceptionally high APR.

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Contact First Premier Directly

Its easy to cancel your own First Premier card, but you need to contact the bank directly. The fastest way to do this is by calling the customer service number on the back of your card. You can also find this number on your most recent account statement. When you speak to an agent, let them know you wish to close your account.

The representative might ask for information to verify your identity. Its a good idea to have your account number, statement, and credit card nearby when on the phone. You might be asked why youre closing the account, but there is no right or wrong answer. Youre allowed to cancel a credit card account at any time as long as the balance is paid in full.

Its very likely youll receive a counter-offer from First Premier. This is a way for the bank to keep you as a customer, even if youre no longer happy with your credit card. If the offer is good, you might consider canceling another credit card instead. When in doubt, talk to a financial professional about the best way to meet your goals.

How To Build Credit With A First Premier Bank Card

Whether you have bad credit as a result of poor use of credit in the past or you have no established credit what-so-ever, not having a good credit score can be very troublesome. Not only does the lack of a good credit score make it difficult to get a credit card, it can also make it nearly impossible to obtain a loan for a car, home, or any other purpose. Because it is difficult for those without good credit to get approved for any type of financing, it can be very difficult to improve your credit score. Thanks to a First Premier Bank card, however, building or rebuilding your credit is possible.

First Premier Bank credit cards are intended for consumers who have less-than-perfect credit scores or have been unable to get approved for a major credit card. Most people are able to qualify for a First Premier Bank credit card even if they have filed for bankruptcy in the past. Because the credit cards are branded with Visa or Mastercard logos, they can be used anywhere credit cards are accepted. First Premier Bank also reports to all of the major credit bureaus, so using a Premier bank card can help to improve your credit score. There are, however, a few things to keep in mind to ensure that you are able to get the most out of a credit card from First Premier Bank.

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What Should I Do If My Debit Card Is Lost Or Stolen

You can temporarily suspend and then reactivate or permanently deactivate your active First PREMIER Bank Debit Mastercard® within the Online Banking system or Mobile Banking app. Go to the Menu, choose “Services” and click on “Card Services.” You can also call our Customer Care Center 800-501-6535. To report your card lost or stolen after normal business hours, please call 888-297-3416.

Making Payments By Mail

Send your check or money order through < st1:country-region w:st=”on”> < st1:place w:st=”on”> U.S. postal mail to First Premier Bank, < st1:address w:st=”on”> < st1:street w:st=”on”> PO Box 5529, < st1:city w:st=”on”> Sioux Falls, < st1:state w:st=”on”> SD, < st1:postalcode w:st=”on”> 57117-5529. Be sure to allow five to seven days for delivery.

If your payment due date falls before the date by which your postal mail payment will arrive, you can also send your payment via Express Mail or another courier service to First Premier Bank, < st1:address w:st=”on”> < st1:street w:st=”on”> < st1:address w:st=”on”> 3820 N. Louise Ave., < st1:city w:st=”on”> Sioux Falls, < st1:state w:st=”on”> SD, < st1:postalcode w:st=”on”> 57107-0145. Delivery times and costs vary for expedited mail delivery, depending on the carrier.

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Secured Is Better And Cheaper

If you’re going to need to come up with $300 or more to get a credit card in your wallet in order to build your credit, you should at least be able to get that money back once your score has risen enough to qualify you for other cards. That’s why secured cards, with their refundable deposits, remain the best option for bad credit.

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