- In order to use the First Premier Bank Platinum Credit Card or the PlatinumOffer, you must first register with the bank.
- PlatinumOffer.com necessitates the use of a confirmation code.
- The Platinum Credit Card is designed for persons with less-than-perfect credit.
To be eligible for the First Premier Bank Platinum Credit Card or the PlatinumOffer , the client must be 18 years old or older, a legal resident of the United States, and have a stable source of income. It is not necessary to have a good credit score in order to apply.
You may register yourself by visiting the official website by clicking on the provided URL www.platinumoffer.com and entering the confirmation number provided to you. It will take around 5 minutes to complete the procedure. Furthermore, consumers who have received a confirmation number are favoured since they have previously been pre-screened and have a higher probability of getting authorised.
PlatinumOffer.com Highlights of the Pre-Approved Confirmation Number
- This credit card opportunity is available to those who are eager to rebuild their credit score by making on-time payments on their bills.
- A platinum credit card from First Premier Bank, which is a regular member of the Federal Deposit Insurance Corporation, is available to customers.
- Customers with superior credit card scores should look elsewhere; they may be able to locate a more suitable location elsewhere.
- The advantage of having a Platinum Offer Confirmation Number is that they will be given higher priority and will be pre-screened in comparison to other persons who do not have a confirmation number.
If you do not have a PlatinumOffer confirmation number and would want to apply for a Platinum Credit Card, you must first go to the website www.platinumoffer.com to complete the application process. You must supply your first and last name, your mailing address, and the last four digits of your Social Security Number in order to proceed.
Login to your Platinum Credit Card
You can only apply for a Platinum Credit Card if you do not already have a PlatinumOffer confirmation number, and you may do so by simply following these easy instructions.
- Visit the official website at www.platinumoffer.com for more information.
- You must fill out the form with your first and last name, your mailing address, and the last four digits of your Social Security Number.
Reviews of PlatinumOffer.com on the internet
The complaints and reviews from consumers were gathered, and some of the reviews included below were gathered from various sources and forums after they were compiled.
“From my own personal experience, I can state without a doubt that First Premiere put their faith in me when everyone else turned their backs on me. I am absolutely astounded by the negative reviews and complaints that have been received regarding this card. As soon as you sign the agreement, it indicates that you are agreeing to all of the fees and interest rates that are mentioned in the agreement. You have the option to completely reject it at that point if you believe you cannot afford it. Consequently, the corporation is providing me with services that are distinct from those provided by other companies. I was aware that American Express charged a significant amount in annual fees on their various credit cards. In order to improve my credit score, I make sure to pay my fees on time and to avoid making them feel bad about trusting me. Fortunately, my score has been steadily improving from the day I was accepted. They provided me with this chance, and I am grateful for it. I have increased my points from 425 to 568 in less than two months. Following a positive reaction, I recently authorised two more of my unsecured credit cards. I’m using my credit card to its bare minimum only to keep my payments to a bare minimum. As a result of this, I am prepared to start and grow a profitable financial firm in the future. I could not have done it without the assistance of First Premier. It’s possible that I’m not completely incorrect when I say that there are folks who have seen an increase in their credit score in the last two to three months. Despite the fact that they refused me each and every time, it did not concern me since they provided me with a fantastic start at $400. Finally, I want to express my gratitude to First Premier, as I really like their PlatinumOffers and want to continue to do business with them for many years to come.”
“I will absolutely suggest this credit card to my friends and family. In addition, by using this card, you may improve your credit score. Maintaining on-time payments will automatically qualify you for the chance to improve your credit score, since this is an excellent platform for such consumers.”
“The interest rate on this card is much too high, and the worst part is that after the 20th day has passed and payment has been processed and taken from the bank, the interest rate increases even more. They will put your card on a regular basis. Their customer service, on the other hand, is pleasant. The employees who serve as a support staff are unassuming. The sort of card that I would suggest is this one without hesitation.”
“My credit card score is improving month after month since I am paying my bills on time and have never been late with a payment. My credit card score has grown by 200 points, which makes me extremely pleased, and I believe that it will assist me in developing a successful financial company in the near future. It is beyond a doubt that I would suggest this credit card to everyone of my family and friends.”
“They provided the best customer service I have ever encountered in my life.” I paid all of my payments on schedule, and they were unable to open my account due to some automated difficulties with the system. When I requested them to unlock my card, they greeted me politely and informed me that my card will be activated shortly. “I was relieved to discover that I was using this service.”
For a long time, I’ve used this credit card, and I’ve never had any issues with it or with my credit score.” My payments are all current, and my credit score continues to rise on a daily basis. It has been a great experience, and I have no regrets about using their card since I had several issues with my prior business.”
“You will be eligible for the better card for a limited period of time. There are several perks that come with having a better card, all of them are incredible. In addition to the several different cards available on the market, you may benefit from improving your credit score in order to get an improved card.”
“I’ve been a client for a year, and I had some troubles early on, but they fixed my concerns via customer care, and I’ve been very satisfied with them since then. Sometimes I’m surprised by all of the bad comments from their customers, since I’ve never had a problem like they did.”
What is the reason behind the high cost of the First Premier Card?
When your credit is poor, you will be charged an additional cost, but the APR will stay the same. In light of the high risk, the team that issued you the card will charge you as a consequence of reaching a satisfactory judgement. However, it should be noted that the First Premier Card will elevate these modifications to a whole new degree of sophistication.
Processing fees, yearly fees, and monthly fees are the three types of costs that are charged. These costs may vary based on the amount of credit that you have available to you. From the day you sign the company’s terms and conditions, your credit limit will range from $300 to $1000 per transaction.
It is the processing fee that is charged just once, and it is charged before your account may be opened. Afterwards, you’ll have to pay an annual fee, which you’ll have to do every year. Then there are the monthly payments, which are the most essential service expenses for the platinumoffer since they are the most frequent. For the first year, a $500 USD credit limit has been set. Using the above example, a total of $170 is charged on a $300 credit limit in the first year. Furthermore, a one-time fee of $120 is levied after the first year. Credit cards that provide the highest benefits don’t have a high annual fee. If you want to receive cash in advance, you will be required to pay a fee of 5 percent or $6, whichever is larger.
RATES OF INTEREST
First Premier Bank Credit Card has an annual percentage rate (APR) of 36 percent on spending and accepting advances, which is much lower than the rate offered by any of the credit card for poor credit issuers. Having a debt on this credit card, on the other hand, will put you in financial trouble.
Alternatives That Are Less Expensive
When you have poor credit, having a secured credit card is almost always the best option for you to consider. The bad element of this credit card is that it requires a deposit, which means that you will need to have additional funds on hand while the card is being used. Once the account is closed, you will get your money back, along with interest, which will be paid on a periodic basis. There are three secured credit cards available: the DCU Visa® Platinum Secured Credit Card, the OPENSKY® Secured Visa® Credit Card, and the Getmyoffer.CapitalOne.com Secured Credit Card.
DCU VISA® PLATINUM CREDIT CARD WITH SECURED ACCESS
Digital Federal Credit Union is the abbreviation for DCU. It’s a safe Visa PlatinumOffer Credit Card from Visa. This credit card demonstrates that even if you have terrible credit, you do not necessarily have to deal with financial difficulties. RIGHT NOW, the variable APR is 13.75 percent, and there are no fees associated with this. There are no hidden fees, processing fees, or yearly fees to pay.
It also provides you with the opportunity to check your FICO score. You have the ability to check on the progress of your credit building at any time. It also sends your record of activity to three credit reporting agencies.
The second advantage is that you are not required to deposit the amount of credit equivalent to your limit, which is another positive. It doesn’t even tell you how high your credit limit should be, so if you have $5000 in savings that you won’t need for a while, your credit limit will be $ 5000.
The only disadvantage of this card is that you must be a member of Digital Federal Credit Union in order to be eligible to get it. You may also become a member of this card if you meet the requirements.
- If you are related to the current member, please indicate so.
- If the firm you work for, or if you are retired, is a member of this organisation.
- You have established a connection with the participating firm.
- Or It doesn’t matter if you work, reside, or are a student at the affiliated institution.
Aside from the additional hoops, this is one of the better cards to take into consideration.
VISA® CREDIT CARD OPENSKY® SECURED VISA® CREDIT CARD
If you have poor credit and are concerned that other lenders would not accept you for a credit card, the OpenSky® Secured Visa® is the greatest credit card that you may use to improve your situation. When you apply, there is no need for a credit check, and even the $35 is sufficient. The amount of the security deposit for the credit limit might range between $200 and $3000 dollars. It reports activities to three bureaus, and the annual percentage rate (APR) is changeable at 19.64 percent. In addition, if you wish to pay in advance, you will have to pay $6 or $5.
If you have poor credit and are concerned that others may reject you a credit card, the DCU Visa secured card is a better alternative.
Trying to get some credit When applying for a card, it is not necessary to have excellent credit; in fact, even those with excellent credit should do thorough research and comparisons between various organisations. After that, you’ll be given the most appropriate card.
Customer Service is available to assist you.
If you have any questions or concerns about the PlatinumOffer or the Platinum First Premier Bank Credit Card, please do not hesitate to contact us using the information provided below.
- First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524, is the mailing address for the bank.
- Customer Service Phone Number: (800) 987-5521
Frequently Asked Questions are included below.
Q1. Is it possible to get credit increases from First Premier Bank?
But there are certain restrictions, such as the fact that it charges a 25 percent fee when First Premier increases the client limit from the same account from which the limit was previously extended. Customers may ask for an increase in their credit limit anytime they feel like it, but they must first fulfil the required 13-month period as a client, failing which there will be no increase in their credit limit. The range of increments is between $100 and $200 dollars.
Q2. Is it possible for me to exceed my credit card limit with First Premier Bank?
Because of the $84 service cost, you will be charged $7 dollars every month in addition to your other bills.
Charges for other services include Credit Limit Increase Fee: A $25 fee will be charged each time your account is allowed and approved for a credit limit increase.
Q3. A platinum credit card is preferable, but why?
The difference between a Platinum and a Gold card is that the Platinum card offers higher credit limits than the Gold card, which will be useful for you if you intend to spend more credit. Not only that, but it also allows you to manage your credit card payments more easily and is given more attention. Platinum cards are offered by the same donor, who, however, levies a significant yearly fee.
Q4. How much money do you have on your platinum credit card right now?
The annual fee charged for platinum credit cards may change, with a range of $99 to $300 or more depending on the card. Other types of incentive schemes. Every single dollar that you spend will need you to keep track of the points that you have earned at that moment.
Q5. What exactly is a low credit score?
The range of 700 to 850 is Excellent/Very Good for you in terms of credit score. In contrast, a credit score between 680 and 699 (the average American credit score is 682) is considered to be good. Furthermore, the range is between 620 and 679, which falls into the Average/Okay category. In the same way, a credit score between 580 and 619 is considered poor, while a credit score between 300 and 400 is considered awful.
Q6. Is it possible for me to cancel my first Premier credit card?
There are no additional cancellation fees charged by First Premier Bank, so you may cancel your credit card whenever you choose. Call customer care at 1-800-987-5521 and a representative will walk you through the process.. As an alternative, you may send a letter to us requesting cancellation and mail it to us.