First Premier Bank/Gold Card 9.9% ?? Has any received one of these mailers for a pre-approved unsecured gold card. I understand they deliver an unsecured card, but include many fees. They say they would at atleast give a CL of $250.00. I'm just curious if they actually approve high unsecured credit limits. If you have a First Premier Gold unsecured card, can you please post your CL limit and credit score. I'm thinking about applying for this card, but just hestitant and I dont want to get stuck initially with $240 in fees with a $250.00 credit limit. Is it worth to invest into this program??
First Premier Bank/Gold Card 9.9% ?? I had this card when "fixing" my credit. And, sure enough, I received a card with a $250 credit limit. When you receive the card, they have added the fees to the card, so you have to pay this off before charging on the card. They update your credit reports on time, you can't get out of the fees. If you call retention, they will knock off some of the fees, but not for long. My take on the card? If this is the only card you can get and you just want a good tradelines on your credit report, it is beneficial in this way, because of their fast reporting. As far as increases go, I think I closed the account out at $300... a $50 increase. In my case, I needed good tradelines to help balance out the bad tradelines that I was working on getting removed.
First Premier Bank/Gold Card 9.9% ?? I agree w/ azur that if it's the ONLY card you can get, than by all means go for it. The fees are atrocious and I have to say I am intrigued w/ the rate you were offered, mine is stuck at 18.9 and they aren't budging. I can't remember how much my card was charged up in fees when I first got it, but I do know my initial cl was $350 after 6 mths they were "nice" enough to offer me a $100 increase for the small fee of $25, I just received another increase in January bringing my total cl to $550 *the card was opened 7/2001*. I pay my bill online and they charge my card $7 to do this, plus I am charged $5 a month participation fee. The card has been paid in full since Christmas, w/ the fees though, I have never had a 0 balance. I personally hate this card NOW, but when I needed a card and no one else would give me one, they gave me one.
First Premier Bank/Gold Card 9.9% ?? An secured card is almost better in my mind. I started off with Providian , hated them, but it gave me a 1000 dollar unsecured line a year later. I was glad to be rid of them, but they did get me better credit. To pay 240 dollars in fees is insane. I still get these offers, uh, no thanks, I get unsecured for 50 times their limit. Just in my opinion, it is better to go secured and save your money, rather than paying them for a little more than you pay them.
