PREMIER Credit Card

So I’ve had no problems using this card and so far so good. My credit took several hits during a very contentious divorce. I’ve had to slowly improve my credit and found myself using cards with high interest rates. I utilize this card for small extras I would normally pay with my bank card and pay the statement balance each month. This way I’m not paying the interest. Paying the card is easy… the app is pretty good and I’ve had no problems using the card anyway I go. Gas stations, checkouts for groceries, even paying for an uber for the night, and even holding a weekend reservation. If you’re thinking about getting this card I’d just say… you probably don’t have great credit. Lots of use don’t have good credit and this card, others like it, have made an actual difference with my credit score. The card is still under a year old and my credit time on my credit report is under 3 years… but it’s making a difference. Use the card on gas purchases only or paying a couple bills you’d normally use your bank card. And no matter what keep the credit on all of your cards under 30%. It’s good to owe some money… when you get over 30% it begins to adversely affect your score. Years ago.. I started a CashApp account. Say I spent $200 on my credit cards.. I had opened a savings and a checking with CashApp. And each time I’d use a card - say I spent $57 somewhere, I would then immediately take $60 from my bank card and transfer it to my checking in CashApp, I would then transfer the $60 to the savings. At the end of the money I ALWAYS had the money to pay the Statement balances and avoid the high interest fees. Plus the cards recognized I was making payments monthly and quickly came (after a year) the increased credit lines. Go for it this card is good. Good luck.

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 So I make a payment via bank account on the 26th, the money is withdrawn from my account on the 26th, the transaction is shown IN THIS APP on the 27th, my current balance is adjusted to show the payment was made.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.

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 😇