You need to register for First Premier Bank Platinum Credit Card or PlatinumOffer.
A confirmation number is required for the site PlatinumOffer.com
The Platinum Credit Card is planned for the people who have less than best credit.
Only the people who are of 18 years or above 18 and are the legal residents of United States with a fixed income source can apply for First Premier Bank Platinum Credit Card or for Platinum Offer. You will not need a good credit card score for applying.
If you want to register yourself by using the confirmation number all you need to do is visit the official site by using the link www.platinumoffer.com confirmation number. All this procedure will be completed in the time of 5 minutes. Moreover, the people with the confirmation number are already pre-screened and will be preferred to be approved first.
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PlatinumOffer.com Pre Approved Confirmation Number Highlights
Useful credit card for the people who are in search of remaking their credit score by making on-time payments.
First Premier Bank issue Platinum Credit Card and are the regular member of Federal Deposit Insurance Corporation.
If the users are having better credit card score than they have to look somewhere else.
Users having the PlatinumOffer Confirmation number will be preferred, as they have pre-screened as compare to the people not having the confirmation number with them.
If you do not have any PlatinumOffer confirmation number and want to apply for Platinum Credit Card then for this action you have to visit the site www.platinumoffer.com. You have to provide your first and last name, your address and last four digits of your Social Security Number.
If you have any query related to PlatinumOffer or Platinum First Premier Bank Credit Card you can use the mailing address to mail your queries i.e. First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524 and can also use the customer support number i.e. 800-987-5521.
After collecting the complaints and reviews from the customers, some of the reviews below are collected from different sources and forums.
“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 a 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 Platinum Offers and will continue to use it for ongoing years. ”
“ I own this card from the past 8 months. I don’t have any complaint about it. I am responsible for disturbing my credit not them. The card is helping to rebuild my credit score as it is supposed to do that. One problem is that the fees of the card are high which I have to pay. I make my payments twice in a month and it is ok for me. I am amazed why all the people are complaining if you will pay your bills on time it will be good for you. ”
“You can make your payments using your phone, mobile, landline and online by using First Premier which is available for you 24 hours a day. They accept both credit and debt. You can make your payment using any of the options. I don’t have any problem with them they provide me a credit when I need it, they are always helpful for me and their behavior is polite. The one complaint about them, which is a minor one is an increase in the credit line, is a slow process.”
“ The cost of the card is very high I am using this card from the back 5 years. The ones who handed me a card had started with a credit limit of 300 dollars. Half of the fee was used for the activation. I always make my payments on time. I made all the payments when the things were going fine for me. After that when it was not ok I started to pay only the minimum payments. My credit limit was exceeded to 500 dollars even without my permission. Now the interest on this card is 1000. This amount is a bit high but you can easily pay it off. There is no fees and interest for this card. I love this card for this. The credit score is increased to 100 points only because of them. Because of the hardship, I have to pay more debt for it but God is watching you and He is kind to us. The situation is under control. The credit should be used wisely. ”
“The cardholders with poor or no credit can start with the Premier as it will be good for them. As I am a young man so I am careless in spending my money but this card helped me to get my credit score back. Apart from there is an additional fee for this card and the fees are high. But it is ok as it is the fees for getting your credit score back or rebuilding your credit. Always make your payments on time and only use your card when you are in an emergency. Now I am owning a Chase United Miles card. This is a great step for me. For this card, all I have to do is to make the payments on a monthly basis and only by this all the things keep going like this. If you are in search to rebuild your credit score then this must be a good option for you and before getting into it you must have complete knowledge about it.”
“The interest rates of the First Premier is indecent and the fees are terrible. This card serves you if you want to rebuild your credit as the purpose of getting this card is to improve your credit line. I loaded my score up 2 years before. I started my card with the credit limit of $300 or $500 can’t remember the exact amount. Anyhow I started using this card, pay for it on time, and never exceed the limit and due to this your score will shoot up. Now I am having a low fee and cash back cards.”
When your credit is not good, the extra fee charged and APR is not unusual. The team which issues you the card will see you as high risk and will charge you in a result of the conclusion. But for your information, it is to be mentioned that the First Premier Card will raise these changes to a different level.
The fees you will be charged includes processing fees, annual fees, and monthly serving fees. Which may differ depending on the limit of the credit you are having. The credit limit is in between $300 to $1000 since the day we have a look at the terms and conditions.
The process of the fee begins with the processing fee, which is paid one time before opening your account. The next one is the annual fee, which you have to pay every year. Moreover, the most important one is a monthly servicing fee for the Platinum offer, in the first year the credit limit is up to $500. For instance, a total of $170 in the first year is charged on the credit limit of $300. In addition, $120 is charged after the first year. Best rewards credit cards did not charge that much. For cash in advance, you have to pay 5% or $6 the one, which is greater.
Mostly, a secured credit card is one of the best choices to have when you have less credit with you. The negative aspect of a secured credit card is deposit, which means you have some extra cash with you when you are using your card. You will get your cash back when you will close your account, with interest occasionally. Two of the secured card include DCU Visa® Platinum Secured Credit Card and OPENSKY® Secured Visa® Credit Card.
FREQUENTLY ASKED QUESTIONS
Does First Premier Bank give credit increases?
Yes, it gives increases on some conditions i.e. when First Premier increases the customer credit limit it charges you 25% from the amount which is increased. Customers can apply anytime for increment in their credit card limit but they have to complete the duration of 13 months as a customer before applying for an increment otherwise they will not get any increase in their credit limit. The range of increment is between $100 and $200.
Can I go over my credit card limit with First Premier Bank?
$7 every month will be a charge to you for the Service fee of $84. Some Other Charges include Credit Limit Increase Fee: Every time your Account is permitted and approved for a credit limit increase that is you will be charged $25.00 fee.
Is a platinum credit card better?
The Platinum Cards provide you with higher minimum credit limits other than gold cards, which will be useful for you if you spent more credit and can manage your credit card payments easily with attention. Platinum cards than other gold cards, offered by the same donor, charge higher annual fees.
How much money is on a platinum credit card?
Usually, the annual fee charged on platinum credit cards differ between the range $99 to $300 or it may be higher than that. Other Rewards programs. You need to take notice of how many points you earn on spending every dollar.
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.
Can I set someone else on my First Premier credit card account?
The answer to this question is yes. However, for this, you have to pay an additional fee of around $29.
Should I charged for raising my credit limit?
Yes. For this, you have to pay 25 percent amount of the credit limit increased. However, the condition applied for this is you must have your card along with you for at least 13 months.
Can I withdraw a cash advance?
Sure, you can withdraw it. If you are having a new account, you are limited with 10% of your credit limit. Soon after 90 days, it will increase to 50% of your credit limit. You must have back-to-back two months of payment history, and not regularly a negligent and does not have any returned payment from the past 2 months.
Can I cancel my first Premier credit card?
First Premier Bank allows you to cancel your credit card any time with a zero cancellation fee. All you have to do is make a call to customer service by using the number 1-800-987-5521. The other method is by writing a letter of cancelation and mail it.