UPDATED April 16, 2018 – Premier Bank specializes in cards for those with bruised, little or no credit. One of the many things that makes the Premier Bankcard unique is that through online banking, it gives you consistent, free access to your Experian report. Those looking to improve their FICO score can make purchases with this card without feeling out of control or wondering how their score is being affected.
Because having poor or no credit puts you at a higher risk to the company, First Premier bank offers this card as a stepping stool for those looking to build their credit score. Users should expect to start with higher Fees that include APR, monthly maintenance and start-up fees. As you make consistent monthly payments to your card your Experian score will rise and you will soon be able to qualify for a larger variety of cards with fewer fees and a lower APR.
How To Create An Online Account
Visit First Premier Bank homepage (www.mypremiercreditcard.com)
Click “Enroll” at top left of homepage
Enter account number and social security number
Create a username and password that you will remember
There are many features that cardholders have easy access to once they have setup their online account. These features include an updated Experian report, payment protection, text and email alerts, paperless bills and other communication.
Updated Experian Report
With an online account login, cardholders are given two Experian free credit report checks per month, allowing you to keep track of your score. This is important if you struggle with keeping a good standing and want to achieve a good score in the future. Users can even set alerts if there are any changes to your Experian report.
Receive Text/Email Alerts
If you like to be in control of managing your financial accounts but need a reminder every once in a while, First Premier Bank gives you the option to have real-time text and email alerts.
Some examples of the alerts you can opt to receive are:
When a purchase is made over a certain dollar amount
When your billing due date is coming up
When you are approaching your card limit
When a purchase is made outside the US
When any kind of change is made to your account (name, pin, etc..)
When your card is not present at the point of sale
Setting up text or email alerts is also very easy. To set up alerts, simply visit your online account and adjust your settings.
Paperless Billing Option
With more and more companies pushing their customers to choose paperless billing and correspondence, First Premier Bank is no different. Going paperless gives cardholders instant and convenient access to their online account and allows them to make changes without having to spend time on hold or waiting in line for customer service. Paperless statements are eco-friendly and help keep the mailbox under control. If a printed copy of your account information is ever necessary, just print from the comfort of your home.
Premier Credit Protection Service
We all know that life just happens sometimes and it’s important to be prepared for those unexpected life events. First Premier Bank offers a credit protection service called Premier Credit Protection. In case of job loss due to a qualifying event such as disability, unpaid family leave, or hospitalization, the protection plan will allow you to extend your card limit for a small fee.
For every $100 in outstanding charges, you will only be charged $0.89, which allows you to have the funds you need when you need them. This payment protection insurance is definitely worth purchasing, even if just for the peace of mind.
Use The First Premier Bank Mobile App
In addition to enjoying all the features of your online account at home, you can now enjoy them on the go as well with the new First Premier Bank mobile app! Instantly access your card information with even more convenience and flexibility.