First Premier Bank
Date: Sat, 01/20/2007 - 08:11
I have one with them also, and last week when hey called me for
I have one with them also, and last week when hey called me for the third time they told me to borrow the money from someone! I told them that I was filing bk and to contact my attorney. I hated that card because of the fees that they charge online and over the plone to pay the bill. It's like making a purchase to pay. My attorney said that is one card you should run from.
I had a card with this company myself. I told them when I would
I had a card with this company myself. I told them when I would pay, and made a payment arrangement with them. They continued to call me at home (they did stop calling my workplace when I asked them to), and the last call I received was a message stating "this is my last call to you to attempt to get this worked out. If the account isn't paid in full by 1/23, I will no longer be able to help you." This, regardless of the payment arrangements I made with them. I am paying the card off and closing the account.
first premier
I applied for one of those cards and after researching on the forum I cancelled it before 90 days. It does seem like the fees are outrageous. I just decided to stick with the one I have they are reporting great to the credit bureaus with no problem and no fees. KYSIDE38
Kyside, you're right. The fees are outrageous. My son is 18 an
Kyside, you're right. The fees are outrageous. My son is 18 and without my knowing it, took out a credit card with them. He had a $150 limit (thank God it was so small). He took this loan out while he was working. He quit his job to be on the basketball team at school and is to pay $10 a month. He finally told me about it when he fell behind one month. All together, they told him he had to come up with $84 dollars ($75 to include the late fee and the $10 regular payment and $9 to pay over the phone!). Unbelievable! I told him he's going to shovel snow or something to pay the $10 a month ON TIME until after basketball season is over. I told him then he needs to get a job and pay it off so he can close the account. Once again, KIDS!
Brownsugar My advice is that you make a small payment on the
Brownsugar
My advice is that you make a small payment on the account. Pay as much that you can afford now. The account will get current and you won't have a charged off reported in your credit report by First Premier Bank. Charged off gets R9 rating. One small payment can stop it from being reported. Once this is done, try to work out payment arrangements. Your most important concern is to not let FPB report "charged off" in your file.
I would also try to send them a small payment. I had one of the
I would also try to send them a small payment. I had one of their credit cards a long time ago. I didn't have a big balance but it seemed like to took forever to pay them off because of the start up fees and all the other fees. I guess I should have read the fine print better. I was just happy to get a credit card at the time. I guess you live and learn.
Whenever I get those offers in the mail I just trash them,Or I w
Whenever I get those offers in the mail I just trash them,Or I will send it to another CC company. I figure Why waste 39 Cents?
Brown Sugar, I had the same problem with them. Let me tell you w
Brown Sugar, I had the same problem with them. Let me tell you what they did to me.
Because of their annual fee which they claimed they told me about in a previous statement, they had me go over $48. Add to that they charged me $30 for going over. Add to that the additional $20 which is the regular monthly fee. It had my account go over $103.00. My bill was not due until the 11th of the next month. They called every day seeking payment and charged off my account before I had to chance to make the payment. Even one of those fine individuals told me that I have to pay it now or else.
I said my bill was not due until the 11th. They said that on a charge off it is due immediately. I paid the bill on 11th and guess what? My account miracuously wasn't on charge off anymore. But they will call you and harass you all day.
Brown Sugar, they were going to place your account in charge off anyway and as soon as you paid the bill, they took it off. That's the way that scum works. When I get through with these PDLs, I am targeting my credit cards next. And I am only keeping one. My goal is to be debt free this year. I am sticking to it.
My goal is to be debt free also. It just pissed me off when this
My goal is to be debt free also. It just pissed me off when this lady demanded that I leave work early and go do a Western Union. She even asked if I could use personal time to leave work early and go take care of the matter :evil:
ACA Recovery did the same thing to me. Wanted me to leave from m
ACA Recovery did the same thing to me. Wanted me to leave from my job and send them a payment via Western Union.
I think the lady is just bluffing with the chargeoff bit. Most
I think the lady is just bluffing with the chargeoff bit. Most places have a set policy for when they actually chargeoff an account- be it 90 days or 120 days, etc. They throw "chargeoff" around like a threat, when really it means they failed at doing their job and they had to expense it as bad debt, which screws up their financial statements.
I wish I would have had a collector ask me to leave work early to go make a payment - I would say "Being as that I am on an hourly wage, and you want me to leave work 3 hours early to make a payment, at $20/hour, do you plan to credit my account $60 to make up for lost time and wages? If not, my answer is no."
first premier
I also hold this card for the sole purpose of establishing credit again. but by not charging anything and paying $5 every month over the minimum payment I have managed to bring this from a severe 9 on my Credit Report to a middle 5. There annual fee is ridiculous, and if your late they tag on so many charges almost impossible to catch up. I want to get it to a zero balance, and request for them to waive that annual fee....if not i will close it, even though I know closing a acct will hurt my score...i'm not paying them $50 a year for $300 credit.
Debtcruncher, I wonder what they would say if someone asks th
Debtcruncher,
I wonder what they would say if someone asks them that LOL! I've had a CA ask me to borrow money from friends, family, whatever it takes. I wanted to ask him if I should stand on the street corner for the money but didn't since the call was being recorded LOL!.
update on First Premier
I just spoke with a different lady at First Premier and she had told me that if I could get a small payment in there by Jan 30, it would not charge off. I had told this lady about the situation of the 2pm deadline that the other lady had given me, and she said it was not true. She asked if I remember that lady's name, and I did, so I gave it to her. I doubt if anything will come of it, but it these people need to get their stories straight.
Wow, now there's a thought, brownsugar - sic them on each other
Wow, now there's a thought, brownsugar - sic them on each other and watch them self destruct from within! :lol:
First Premier Bank can't get anything right. It is amazing that
First Premier Bank can't get anything right. It is amazing that they are allowed to give out credit cards. they are the first ones that I am paying off in full believe me.
They don't know how to give anyone a break. They just keep charging us astronomical interest rates.
I have card with them and i'm now behind so i shoved it in my de
I have card with them and i'm now behind so i shoved it in my debt management program. They charge 7.00 to pay on the internet. I'm sick of fee's and crap ass cards like these, i called and they can only remove "one late fee" but I havn't heard anything from them sinc ei fell behind in november
Honestly, if I could, I would close my account and pay them off
Honestly, if I could, I would close my account and pay them off and never hear from them again.
Yeah First Premier is sketchy. we had a card (a business card wi
Yeah First Premier is sketchy. we had a card (a business card with them) that had an annual fee. We called to get the annual fee waived saying that if they didn't we would cancel. supposedly the cust. rep said oh we don't want you to cancel so we'll waive the fee (the one that we already paid!) she said the next month that the $30 fee would be credited back to us as a credit on the account. welllllllllllllllllll...I'm waiting and waiting for a bill and it looks like they cancelled on us anyway. so it kinda looks like they got $30 out of us as of now...we're working on this one.