PREMIER Credit Card 4+

To whom it may concern premier is a great credit card company customer service is A1 and their very passionate about their job and work hard to help with whatever you need the only thing that need’s better for their customers is more time to make a payment before they send them to the credit bureau it knocks your score tremendously down and that’s not fair if I feel as if you can push out 15 days and say that your the one that give second chances keep your word because some of us can’t afford to pay right then and there we need more time to make payments because when you send a message to the bureaus they instantly drop ur score by 20 to 30 points and it doesn’t matter after you do make that payment and they put u back at current status we still don’t get those points back what they took from us the fact is we deserve at least 30 days to make a payment and after that 30th day payment isn’t met then you should send us to the credit bureau don’t get it twisted because I love premier I have been with them a little over two years with my first orange card and just got approved a couple months ago for my second orange card thru them with a nice amount thank you premier 😘you asked for my opinion and I gave you what it should and needs to be please take this issue into consideration thank you and stay safe and blessed 😇

I got this card about 5 years ago. I actually got two. They started with $300 credit limit. I worked up to $700 on one and $1000 on the other. At the time I really needed to build credit and the $79 yearly fee was worth it. I was able to get my credit up to a higher score than I have had in years. Of course, I hadn’t tried to get credit since my divorce because I didn’t think I could ever have credit again after what I was put through.
I used these cards for small amounts or emergency cash advances and paid them off quickly. I have paid the $1000 card off and closed it now. I still have the $700 card. It has maybe a $70 balance. I’m trying to decide whether to keep it or pay it off and close it before the $79 is due again.
I recommend anyone who has low credit and needs to build it quickly to buy a car or anything that most people have to buy with payments. It’s worth it because they report quickly and raise credit limits without credit checks. These cards helped me to get some no fee cards with lower interest and higher credit limits. I’m able to buy things I need now. I hahvve paid off several things I needed and I could never have done any ge

Decent app but some functionality needs improvement. Only way to pay through the app is via Bank Account. Furthermore using a bank account places a hold on crediting your account for up to 20 days. So I make a payment via bank account on the 26th, the money is withdrawn from my account on the 26th, the transaction is shown IN THIS APP on the 27th, my current balance is adjusted to show the payment was made. However. It still shows I need to make a payment for the month and the available credit is not changed. That payment on the 26th will not be available credit until the 5th. A call to the call center provides this information and confirmation that at least the payment did count for the upcoming month. Being able to use a debit card in the app would fix this.

However, calling the center to use a debit can be problematic as well. I ran my debit card 3 times. Twice by an operator at the center it was declined. I called my bank to see what the issue was and no record of my card being run was seen. I tried using the automated system and the card was declined again. A quick call to my bank showed they never received a request for funds from Premiere Bank. Premiere was not requesting funds. My debit card works online and in person at any other place I have tried to use it.

As a layperson that tells me the problem is somewhere in Premiere Banks system. Their network is not always communicating with other networks.