Platinum Credit Card. targets people with less than best credit.
In order to apply for First Premier Bank Platinum Credit Card or for PlatinumOffer, the customer should be 18 or 18+, should be a legal resident of US, and must have a fixed source of income. Good credit card score is not required for applying.
You can register yourself using the confirmation number by visiting the official website by clicking the given link www.platinumoffer.com. The process will take about 5 minutes. Furthermore, customers with confirmation number are preferred and are already pre-screened with more chances of being approved.
PlatinumOffer.com Pre Approved Confirmation Number Highlights
People who are willing to remake their credit score by making payments on time can use this credit card opportunity.
Platinum Credit Card is issued by First Premier Bank and they are the regular member of Federal Deposit Insurance Corporation.
This is not the place for customers having better credit card score; they may find a place other than this.
Advantage of Platinum Offer Confirmation number is that they are given more priority and will have pre-screened with respect to other people with no confirmation number.
If you do not have any PlatinumOffer confirmation number and want to apply for Platinum Credit Card then for this action you have to visit the site www.platinumoffer.com. You have to provide your first and last name, your address and last four digits of your Social Security Number.
Platinum Credit Card Login
You can apply for Platinum Credit Card only if you don’t have any PlatinumOffer confirmation number just by following these simple steps
On the form, enter your first and last name, your address, last 4 digits of your Social Security Number.
PlatinumOffer.com Online Reviews
After collecting the complaints and reviews from the customers, some of the reviews below are collected from different sources and forums.
“As I have experienced it and I would say without any doubt that, First Premiere trust on when all others rejected me. I am truly amazed to see the negative feedbacks and complains about this card. It says in the agreement when you are signing it that you are accepting all the fee and APR included in the agreement. You can totally reject it at that time if you think you cannot afford it. This the company is providing me with unique services that other companies lacks in providing. I know Amex had a huge amount of yearly fee charged on their different cards. To build my credit score, I pay my fee on time and I don’t make them regret for trusting me. My score is now gradually increasing since the day I got approved. They gave me this opportunity and I am glad to have it. Within 2 months, I have raised my points from 425 to 568. After a good response, I approved 2 more of my unsecured cards recently. Using my card to its minimum just to make my payments minimum. With this, I am ready to build a successful financial business in my future. I would not have done without the First Premier support. I may not be wrong if tell you that there are people with an increasing credit score in the period of 2 to 3 months. They may have denied me every time but it did not bother me as they gave me a good start at $400. Lastly, I am grateful to the First premier as I really love their PlatinumOffers and will continue to be their customer for ongoing years.”
“I will definitely recommend this credit card. You can also raise your credit score by using this card. Just make your payments on time and you will be eligible for the opportunity to build your credit score as this is a great platform for such customers.”
“The interest rate of this card is damn too much and the worst part is that after verification of the 20th day and after payment is processed plus withdrawn from the bank. They will place your card frequently. However, their customer support service is friendly. The people working as a support are humble. This is definitely the type of card that I would recommend.”
“My credit card score is boosting every month as I am paying my bills on time never I got late in paying bills. My credit card score increased up to 200 points, I am very happy, and I think so it will help me build a strong financial business for me in near future. I would definitely recommend this credit card to all my relatives including friends.”
“They had good customer service I have ever experience in my life. I made all of my payments before time and they sealed my account due to some automatic issues. I asked them to open my card and they talked to me nicely and said soon your card will be activated. I was glad that I am using this service.”
“I have been using this card for a quite a long time and never ever I faced any problem with my card or with my credit score. My payments are all up to date and my score is increasing day by day. I am very happy and I really don’t regret using their card as I faced many problems with my previous company.”
“In limited time, you will be eligible for the better card. On having a better card you can get many benefits which are amazing. Many other cards are in the market by focusing on your credit score you can avail a better opportunity by having a better card.”
“Its been a year as their customer and I had some issues early on but they resolved my problems through customer service and from that day I am very pleased and sometimes I am amazed to see all the negative feedback from their customers because I never faced any problem as they did.”
Why the First Premier Card is so Costly?
The extra fee is charged when your credit is not good and the APR remains the usual. Because of the high risk, the team which issues you the card will charge you as a result of the conclusion. But it is to be informed that the First Premier Card will change these changes to a whole new level.
There are 3 fees and that are processing fees, annual and monthly fees. These fees may vary depending on the credit limit that you have. The credit limit will be $300 to $1000 from the day you sign the terms and condition of the company.
The processing fee is the one-time fee that is processed before your account opens. After that comes the annual fee that you have to pay every year. After that comes the monthly fees which are the most important servicing fee for the platinumoffer $500 dollar is the credit limit for the first year. For example, in the first year, a total of $170 is charged on $300 credit limit. Moreover, after the first year, $120 is charged. Credit cards with the best rewards don’t carry much charge. If you want to cash in advance you will have to pay 5% or $6 the one, which is greater.
First Premier Bank Credit Card have the APR rate of 36% on spending and taking advance, from which none of the credit card for bad credit card issuers are even closer to bit. But having balance to this credit card will get you in financial issue.
Most of the time, the best choice is to have a secured credit card when you have low credit with you. The negative aspect is the deposit of this credit card that means you will be having extra money with you when the card is being used. Once the account is closed, you will get your cash back with interest which will be occasionally. There is 2 secured card and they are DCU Visa® Platinum Secured Credit Card and OPENSKY® Secured Visa® Credit Card.
DCU VISA® PLATINUM SECURED CREDIT CARD
DCU stands for Digital Federal Credit Union It is a secure Visa PlatinumOffer Credit Card. This credit card shows that if you have bad credit it is not mandatory that you have to face the financial problems. NOW a day’s APR variable is 13.75 and this is totally fee free. There is no kind of fee or processing fee or annual fee.
It also gives you the offer to check the FICO you can check the status of your credit building whenever you want. It also gives your report of activity to 3 credit bureaus
The other plus point is it also doesn’t require you to deposit the credit equal to your limit. It doesn’t even recommend you for how high you should be, so if an example you have $5000 you don’t need for some time then your credit limit will be $ 5000.
The one drawback of this card is that you should be the part of Digital Federal Credit Union for getting this card. YOU CAN also be the member of this card if
If you are related to the present member
If the company you are in or if retired is the member of this.
You are linked to the participating company.
Or May you work, live or the student of the linked institute.
Apart from extra hoops, this is one of best cards to consider.
OPENSKY® SECURED VISA® CREDIT CARD
If you have low credit and think others will not approve you for credit card then the OpenSky® Secured Visa® is best Credit Card that would help you. It don’t need credit check when you apply even the $35 is enough. The security deposit for the credit limit can be in between $200 to $3000. It report activity to 3 bureaus and the APR is variable 19.64% . And if you want advance you can you have to pay $6 or $5.
The DCU Visa secured card is better option to choose if you think others will deny you on having low credit.
Looking for credit it’s not compulsory to have big credit, infact even with big credit, before getting a card you should have search and compared it with different companies. And then you’ll get your best suitable card.
Customer Support Service
For any problems that you are facing related to PlatinumOffer or Platinum First Premier Bank Credit Card you can contact us on the following information
Mailing Address: First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524.
Customer Support Number: 800-987-5521.
Frequently Asked Questions
Does First Premier Bank give credit increases?
Yes but there are some conditions and these are such as it charges 25% when First Premier increase the customer limit from the same account which is increased. For increment, the customer can apply whenever they feel like applying but first they have to complete the duration of 13 months as customer otherwise there will be no increase in the credit limit. The increment range lies between $100 and $200.
Can I go over my credit card limit with First Premier Bank?
Each month, $7 dollars will be charged to you because of the service fee of $84. Other charges include Credit Limit Increase Fee: Each time your account is permitted and approved for accredit limit increase you will charge $25 fee.
Is a platinum Credit Card better?
The comparison between Platinum and Gold card is the Platinum Cards provides with more credit limits then Gold, which will eventually be useful for you if you are going to spend more credit, not just this but it can manage your payments easily of your credit card, and given more attention. The same donor but charges high annual fee offers platinum cards.
How much money is on a platinum credit card?
The annual fee charge may differ for platinum credit cards with a range of $99 to $300 plus. Other rewards programs. You will have to notice on the points you earned on every single dollar that you will be spending.
What is a bad credit score?
700 to 850 credit score is an Excellent/Very good range for you. Whereas, 680 to 699 (Average American score is 682) comes in a Good Credit score. Moreover, the range lies between 620 to 679 comes in Average/Ok range. Likewise, 580 to 619 is the low credit score and 300 to 400 is the bad credit score.
Can I cancel my first Premier credit card?
With no further cancellation fee, First Premier Bank allows you to cancel your credit card anytime you like. Just make a call to customer support service by using the number 1-800-987-5521 and he will guide you. Alternative is that you can write a letter to us for cancellation and mail it.