New gold card but it still has too many fee's. I hear they have over 2 million credit card customers. They must make a fortune with all those fee's. Here is the link for any one that is interested ,http://www.premiercreditcard.com/premiergold2/splashpage.asp The gold card looks similar to a Capital One Gold Card. I don't have a First Premier card but I wonder if they would upgrade their current customers to this new gold card?
These guys gave me my first card. After a year the fee's were 90% of the limit because these guys give LOW limits. A 1K limit is alot for them. With all those customers and all the fee's these guys have to be making a bundle. No matter if your using the card or not there still making $$$ off of you. When I tried to get them to upgrade the card, they could only kill the monthly fee or the annual fee.
This also was my first card. I have gotten them to wave the monthly fee (before activating), wave the annual fee, credit increase and my interest rate is now at 9.9%for the life of the card. Believe it or not, it's my lowest rate.
LKH- If you don't mind me asking, how long did you have the card before you were able to get them to waive fees/lower interest rate? Did you do this via phone or letter? Thanks.
Re: LKH- They waived the fees before I enabled the card. The annual fee and apr were reduced at the 1 year mark. Everything was done by phone.
Another gold - United Trust They also have this United Trust card. It's a gold MC but the interest rate is 9.9% http://www.unitedtrustcard.com Annual Percentage Rate for Purchases 9.9% APR for Cash Advance 18.9% and Penalty APR 18.9% for Purchases Penalty Pricing Information: If your Account goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles, the APR will increase to 18.9%. The APR will be reduced back to 9.9% if the Account is kept current for 3 consecutive months or is paid in full. I called and asked about both cards...no converting to them if you have any other FPB account. You have to apply for them as new customers or wait for an offer in the mail (forever?)
Re: Another gold - United Trust Processing Fee: $19.95 (one-time fee), Acceptance Fee: $119.00 (one-time fee) Annual Fee: $50.00, Participation Fee: $72.00 Annually*, Additional Card Fee: $20.00 Annually ----------------------------------------------------------------------------------------- The 9.90% is great...BUT the rest of the fees are a JOKE...
