I signed up for a card through First Premier Bank like any other person would... to build credit. I thought it would be a great idea. My first statement came and I forgot to pay it... It was due on the 8th. I started recieving calls from the cc company on the 4th stating that my account was "seriously past due." All of the calls had gone to voicemail as they called while I was at work. On the 18th I recieved a call and talked to a representative. She stated that my account was "extremely delinquent" I said, "How do you figure, it is only 10 days past the due date" She proceeded to tell me that my statement was "PRINTED UP" on the 15th of the month BEFORE the due date, and therefore, I was 30DAYS past due... 30 DAYS!!! I was 10 days late!
UGH!!! They are a HORRIBLE COMPANY... please DO NOT GET THEIR CARD... if for no other reason... don't get it so that you can protect your SANITY.

First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I'd cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due.

First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender--except for bottom-feeder predators like Frist Premier Bank.

First Premier Bank's collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army's assault rifle) and if First Premier didn't stop trying to collect from me money I didn't owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily--and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them.

First Premier Bank isn't very bright. It has, quite arguably, by now spent more money on collection expenses re: me than I allegedly owe it.

I received an ad in the mail for a 0% credit card last year and decided to give them a call. About two weeks later, I got my card in the mail. To my astonishment, my credit limit was $250.00 and I already owed them $175.00 in fees. I immediately called to cancel the card and try to avoid these fees but they refused to cancel it. I ended up spending the remaining $75.00 balance over the next week or two and have regretted it ever since.

Every time that I have commented on the extraordinary fees to someone at First Premier Bank over the phone they say that I am obligated to pay the fees because I have already used the card. To witch I reply that I tried to cancel it upon receiving it and was denied that opportunity.

I paid the entire balance of the card in January and asked that the account be closed. The woman that I talked to told me that I would no longer owe them anymore money and the card would be canceled. Here it is, not even April and I am getting calls telling me that I am over my limit and asking for a payment.

To make a long story short, I have spent $75.00, paid $250.00 and now apparently I still owe them over $300.00.

I really need help dealing with these people, a class action law suit would be good.

I will be contacting the South Dakota Attorney Generals office today.

I called Customer Service to close my account (I had just under 100 dollars balance) but they refused to give me back the 48 dollars they charged me in advance for annual fee covering the period April 2009 till March 2010. I did not charge any purchase to this card for more than 3 months. How is this possible when I clearly indicated to them that I no longer want to have this credit card? This is clearly a ripoff because the contract agreement does not say that they can just charge me for renewal even though I informed them about a month in advance that I no longer want to continue with their services.

I'm in the process of rebuilding my credit score, and I applied for a credit card with First Premier Bank. I was on Free Credit Report.com checking out my credit score last weekend, and decided it was imperative to own a cc again. After navigating the site for awhile, I noticed an ad for First Premier Bank. I assumed that if Free Credit Report allowed them to advertise, they must be legit.

After applying, I decided to google First Premier, and that's how I found Ripoff Report.com. Needless to say, if I knew about this site beforehand, I would have known better than to apply, and would have looked elsewhere.

After reading the first few pages of reports on here about First Premier, I'm now terrified. I applied for this card solely to rebuild credit from mistakes I made when I was younger. I only wish to buy gas with it a couple times a month, pay my bill on time, and build credit. It doesn't even sound like this is possible to do after reading some of the reports. I've read about people paying well in advance of their due dates only to get late fees on their next months statements.

I don't care about the initial fee's upon activation, or the monthly fees associated with this type of card. I know thats the nature of these types of cards, and part of the game of rebuilding credit.

Does anyone have anything positive to say about First Premier? What are my options from here? I have not yet even received the card, so do I have the choice to not activate it upon arrival? I read a report on here of someone doing that, but it still showed up negatively on their credit report.

Money isn't an issue really, as I really only need the card for credit building purposes. Do I send large payments before I even get my bill to create a surplus and ensure no late payment fees?

If I am able to get out of First Premier, how or where do I go about finding a reputable credit building card?