The 60secondpremier credit card is for people with average or bad credit history.
Before applying for the 60secondpremier card offered by the First Premier Bank you should know that you will be only eligible for it if your age will be 18 or more than that. You should be a legal resident of the United States and should have a fixed monthly income. A good credit score is not required for this card.
To get registered yourself you need a confirmation number and you have to enter it on the official site by using the link www.60secondpremier.com The process will take about 5 minutes. Furthermore, customers with confirmation numbers are preferred and are already pre-screened with more chances of being approved.
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60SecondPremier Pre Approved Confirmation Number Highlights
People who are willing to remake their credit score by making payments on time can use this credit card opportunity.
First Premier Bank issues 60secondpremier Credit Card and they are the ordinary member of Government Store Protection Organization.
This is not the place for customers having better credit card score; they may find a place other than this.
Advantage of 60secondpremier Confirmation number is that they are
given more priority and will have pre-screened with respect to other
people with no confirmation number.
If you are in the condition that you don’t have the confirmation number for 60secondpremier and you are interested to apply for the credit card then all you have to do is to visit the site by using the link www.60secondpremier.com. In the form, you have to enter your details that include your name, location and social security number last four digits.
Reviews and Complaints
After collecting the complaints and reviews from the customers, some of the reviews below are collected from different sources and forums.
“I am dealing with the First Premier Bank and never faced a problem with it. Whenever I make a call to their customer agent they talk to me politely and nicely. Because of my hospital stay, I was late to make my payment they don’t even charged me with any late payment fee and did not received the courtesy call as others are saying they get it. The interest rate is bit high but this is in the condition when you are having a bad or no credit history.”
“My credit card score is boosting every month as I am paying my bills on time never I got late in paying bills. My credit card score increased up to 200 points, I am very happy, and I think so it will help me build a strong financial business for me in the near future. I would definitely recommend this credit card to all my relatives including friends.”
From the last year, I am having my card. The credit line given to me was $500. I always make my payment in full every month to get rid of paying the rate of interest. The annual fee will surely help you to get back on the track of credit. All you have to do is to pay on time each month in full. If you are unable to do that than you are not eligible for this card.
Back from the 5 years, I own this card and never faced any problem in having this card and never contact the customer service. They really helped me with my credit score. My relative has been charged with the debt with the same name I am having and because of that debt I was rejected for all the credit cards. 540 was my score for TransUnion at that time and the Equifax score was zero.”
“For me, I would say this is amazing as First Premiere trust on me when everyone said no to me. I am amazed why people are complaining regarding this card. When you sign the agreement and accepting it all the fee and APR are included in it. You can reject it on the spot if you do not afford it. This company is different from other companies, as it is not doing anything, which other companies cannot do. I remember Amex has a large amount of yearly fee charged on their various cards. I pay my fee on time happily to build my credit score and to make believe First Premiere that they were on right in trusting me. My score is increasing day by day instantly since approved and I am very happy for this opportunity. In a time of approximately 2 months, I have raised my points from 425 to 568. After getting good feedback, I have recently approved my two more cards for my other unsecured card. I am trying to use my card less so that my payments will remain minimum. In result of this, I am successful to build my future better financially. I will be unsuccessful without the support of First Premiere. I will not be wrong if I say that I have seen the people with an increasing score within 2 to 3 months. Although every time they denied me, what I ask for but I do not bother me because they give me a start from the good limit that is $400. Therefore, I would love to say a big Thankyou to First Premier as I love their 60second premier card and will continue to use it for ongoing years. “
“They had good customer service I have ever experience in my life. I made all of my payments before time and they sealed my account due to some automatic issues. I asked them to open my card and they talked to me nicely and said soon your card will be activated. I was glad that I am using this service.
“I have been using this card for a quite a long time and never ever I faced any problem with my card or with my credit score. My payments are all up to date and my score is increasing day by day. I am very happy and I really don’t regret using their card as I faced many problems with my previous company.”
“The interest rate of this card is damn too much and the worst part is that after verification of the 20th day and after payment is processed plus withdrawn from the bank. They will place your card frequently. However, their customer support service is friendly. The people working as support are humble. This is definitely the type of card that I would recommend.”
“I will definitely recommend this credit card. You can also raise your credit score by using this card. Just make your payments on time and you will be eligible for the opportunity to build your credit score as this is a great platform for such customers.”
“In limited time, you will be eligible for the better card. On having a better card you can get many benefits which are amazing. Many other cards are in the market by focusing on your credit score you can avail a better opportunity by having a better card.”
The extra fee is charged when your credit is not good and the APR remains the usual. Because of the high risk, the team which issues you the card will charge you as a result of the conclusion. But it is to be informed that the 60secondpremier Card will change these changes to a whole new level.
There are 3 fees and that are processing fees, annual and monthly fees. These fees may vary depending on the credit limit that you have. The credit limit will be $300 to $1000 from the day you sign the terms and condition of the company.
The processing fee is the one-time fee that is process before your account opens. After that comes the annual fee that you have to pay every year. After that comes the monthly fees which is the most important servicing fee for the 60seccondpremier. $500 dollar is the credit limit for the first year. For example, in the first year, a total of $170 is charged on $300 credit limit. Moreover, after the first year, $120 is charged. Credit cards with the best rewards don’t carry much charge. If you want cash in advance you will have to pay 5% or $6 the one, which is greater.
The rate of APR for First Premier Bank Credit Card is 36% for a cash advance. This is very low there is no other card except this that offers this much rate and serve you in little but if you have the balance in the card then it will lead you to face the financial crisis.
More Affordable Options
Most of the time, the best choice is to have a secured credit card when you have low credit with you. The negative aspect is the deposit of this credit card that means you will be having extra money with you when the card is being used. Once the account is closed, you will get your cash back with interest which will be occasionally. There is 2 secured card and they are as follow:
The meaning of DCU is DIGITAL FEDERAL CREDIT UNION and 60secondpremier is a protected visa MasterCard. It is stated by the bank that if you are facing any financial crisis and your credit is low then you can be approved by them. The rate of Variable APR for this card is around 13.75 currently and after that it is free. In addition to this, the annual fee is zero for this card. It will give you an idea to check the status of raising the credit without knowing on which point you are so that in this way you can check your fico. The report of your credit card is sent to all the three major credit bureaus.
The drawback of having this card is that you must be a member of a digital federal credit union to have the card. You can same be the member of the card if
If you are recognized with your current part.
If you are working in the organization and resigned anytime then you are individual of this.
You have a connection with the partaking organization.
Whether you work, stay or is understudy with the connection establishment.
Apart from the disadvantage, this is the best card you can have.
OPENSKY® SECURED VISA® CREDIT CARD
If you are facing a condition of having a low credit and nobody is accepting you for the MasterCard then OPENSKY® SECURED VISA® is the card that provide you a platform with even bad credit history. They don’t check while you are applying for the card if you have $35 that ok for them. The security deposit depends on the creditworthiness that can be between $200 to $3000. The report is sent to the 3 bureaus and the rate of variable APR charged is 19.64% and the APR for a cash advance is $6 or $5.
The best alternative for this is DCU VISA SECURED CARD that helps to select you when you are in the bad credit condition. After searching for the card that does not need any good credit and accepts you without any inquiry from the selective organization you can get the best card that is reasonable as well.
Customer Support Service
For any problems that you are facing related to 60secondpremier or First Premier Bank Credit Card, you can contact us on the following information
Mailing Address: First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524.
Customer Support Number: 800-987-5521.
Frequently Asked Questions
Does First Premier Bank give credit increases?
Yes but there are some conditions and these are such as it charges 25% when First Premier increase the customer limit from the same account which is increased. For increment, customer can apply whenever they feel like applying but first they have to complete the duration of 13 months as customer otherwise there will be no increase in the credit limit. The increment range lies between $100 and $200.
Can I go over my credit card limit with First Premier Bank?
Each month, $7 dollars will be charged to you because of the service fee of $84. Other charges include Credit Limit Increase Fee: Each time your account is permit and approved for a credit limit increase you will charge $25 fee.
Is a platinum credit card better?
The comparison between Platinum and Gold card is the Platinum Cards provides with more credit limits then Gold, which will eventually be useful for you if you are going to spend more credit, not just this but it can manage your payments easily of your credit card, and given more attention. The same donor but charges high annual fee offers platinum cards.
How much money is on a platinum credit card?
The annual fee charge may differ for platinum credit cards with a range of $99 to $300 plus. Other rewards programs. You will have to notice on the points you earned on every single dollar that you will be spending.
Can I cancel my first Premier credit card?
With no further cancellation fee, First Premier Bank allows you to cancel your credit card anytime you like. Just make a call to customer support service by using the number 1-800-987-5521 and he will guide you. Alternative is that you can write a letter to us for cancelation and mail it.
What is a bad credit score?
The range of Excellent/very good credit score is 700 to 850. For Good credit score, the range is 680 to 699(682 is the Average American score). For Average/OK credit, score the range lies between 620 and 679. The low credit score range is 580 to 619. Moreover, the Bad credit score is 300 to 400.