First Premier Bank Gold MasterCard.

[yoyo11]

Way to go YoYo11!
How much was your cli?

$100 / CL was $300 , now $400. Well it's showing $404 now..whatever that means!

[cireone]

Thanks for your thoughts. WHen I was new to getting credit I got the FIrst Premier not thinking that banks actually had secured cards. Ive been excellent in paying them but I am tired now of paying a stupid monthly account maintenance fee. i just wish I knew better about these cards. I am afraid to close the account as it is one of the oldest and have read horror stories on ripoffreport.com about them still charging despite the account being closed and paid. And also, how do you get the 99/500 card from BoA????? Ive applied a couple of times and got denied but pre-approved for a secured card but would rather have the 99/500 than a regular secured card.

[yoyo11]

I dont blame you. See what people dont realize is that, those types of cards are undercover secured cards. They want $150 in fees and if you finance that, it would be more than what bofa ask for which is $300. For get the fees, I wish members or anyone would just take the $300 to a well known teir one bank and start off as secured. Those cards give you limits for candy bars and then make you feel good because you have some plastic in your pocket, give me a break.

Major banks know who these rip of cards are when the put thier name on your cr (reporting), so they know who you are dealing with and they know that mistakes are made pretty often with those below the barrell cards which put you right back in the spot you came from.

This is just my opinion, and I am not out to speak bad about anyone who owns the card, I just hate for them to mess over people and soak thier minds into the finance industry.

I feel ya, First Premier was the second and third credit cards I've received to build my history. The first one was Orchard. It took First Premier over 14 months for that 1st CLI. Remembering they said NO and issued me another card after 6 months of having the first. Well, they do have excellent reporting history, like clock work. I 'm just paying the annual/and monthly fees..the APR is very low..but I'm not purchasing anything on both cards. I don't think they care anyway they are still getting that $12 per month from me on both cards. Was was getting real mad at them for not giving me increases after having them over one year. This card acts as a double edge sword.

[yoyo11]

Thanks for your thoughts. WHen I was new to getting credit I got the FIrst Premier not thinking that banks actually had secured cards. Ive been excellent in paying them but I am tired now of paying a stupid monthly account maintenance fee. i just wish I knew better about these cards. I am afraid to close the account as it is one of the oldest and have read horror stories on ripoffreport.com about them still charging despite the account being closed and paid. And also, how do you get the 99/500 card from BoA????? Ive applied a couple of times and got denied but pre-approved for a secured card but would rather have the 99/500 than a regular secured card.

Go to bankofamerica's website and choose their option for (offers) rather than applying for another credit card. Hope this helps.

[Meya]

And also, how do you get the 99/500 card from BoA????? Ive applied a couple of times and got denied but pre-approved for a secured card but would rather have the 99/500 than a regular secured card.

That offer comes up after you apply for a normal bofa card. I was not offered the 99/500 niether, but was offered the secured card. That decision is totally up to bofa, but I am going to apply for the secured bofa very soon.

[Meya]

they are still getting that $12 per month from me on both cards. Was was getting real mad at them for not giving me increases after having them over one year. This card acts as a double edge sword.

Twelve buks per month? That is $144 per year, ohhhh my God! And then they turn around and charge you $150 for annual fee?

That is highway robbery!

[mrrob]

I agree with you meya, by the way, love the new photo (lol)
mrrob

[yoyo11]

Twelve buks per month? That is $144 per year, ohhhh my God! And then they turn around and charge you $150 for annual fee?

That is highway robbery!

Now, now,now..those that have started out will very bad credit scores..I mean..450 and under had to start somewhere. I don't know any company that would unsecure credit with very low scores. Remember we all have to take action to make improvements. For every action..there's a reaction...I had bad credit for making bad choices..now I'm paying the price for making bad choices by paying high annual fees and monthly fees on credit cards.. as we all know 30 to 40% for your score is payment history. I don't drive, don't own a home so I had to start somewhere. Yes , 1st Premier has it's ups and downs/ of course someone with a score of 600 and higher does not need this card. But those with low score have to start somewhere. I'm not going to keep this card forever....I have goals and dreams of having a home...having prime cards...as of now, I'm making changes and I'm seeing great improvements. 1st Premier as a $49 annual fee and $6 monthly fee+ $99 one time fee. I knew what I was getting into so I don't feel robbed. I've never been late on any cards and pay over the min/due. This site has helped me apply for cards I would not have known about. But without 1st Premier reporting history I would have not gotten those cards..trust me. As I've posted in other reviews...if someone could get that Hooters, CapOne, or other bank issued secured cards..that's a way to start. But some people won't even qualify for those cards...some won't even qualify for a 1st premier. This board has excellent reports and reviews.....those that are new to credit , rebuilding, or starting off with excellent credit will learn alot from FN. Let's keep our head out of the water...look up, read before you sign, ask questions and are goals will be achieved.

[cireone]

That offer comes up after you apply for a normal bofa card. I was not offered the 99/500 niether, but was offered the secured card. That decision is totally up to bofa, but I am going to apply for the secured bofa very soon.

SO I was looking through BoA's website and decided to have a chat session with an agent. Well I inquired about the 99/500 card. SHe did tell me that the card does exist but is only issued through the branch bank not online. I told her that I read reviews and testimonials on the card and how could I get ahold of it. SHe said that the card is if you were denied for a regular credit card and the criteria for getting pre-apporved she didnt have an answer other than they dont offer it online. SO i wrote that its only available for bank customers and she stated no. Well, what would I be doing in BoA branch applying for a card if I dont bank there?????
I ended it not satisfied with her answers.

[Meya]

Cireone, she was somewhat telling the truth. You do have to be denied a regular card from bofa to get the 99/500 card. I have not heard of walking into the branch for the 99/500 card, maybe she was new or did not quite understand what you were saying. The 99/500 is not just offered like any other of their cards, so yes you would have to apply and then be denied, but is it worth it? Nah not really

[Meya]

YoYo, I clearly understand what you are saying and I do understand the concepts or paying back from ones mistakes. I am a pay backer myself, but I strive to the fullest to reroute someone from cards that makes you pay more than a mistake. But if the person choose to move with the higher fee card, then quess what, I love them the same.

[Meya]

I agree with you meya, by the way, love the new photo (lol)
mrrob

Thanks mrrob!

[cireone]

Cireone, she was somewhat telling the truth. You do have to be denied a regular card from bofa to get the 99/500 card. I have not heard of walking into the branch for the 99/500 card, maybe she was new or did not quite understand what you were saying. The 99/500 is not just offered like any other of their cards, so yes you would have to apply and then be denied, but is it worth it? Nah not really

The card seems ideal in that you put up $99 and have a $500 CL. BUt she did not seem to be in the right place of my questions. And its true, I have applied twice on BoA website and all that came up was the regular secured card. So what I am wanting to know is how did this 99/500 card come about???? Was it through online app or at a branch???? Ive even browsed the cards and the only one listed is the regular secured card.

[yoyo11]

YoYo, I clearly understand what you are saying and I do understand the concepts or paying back from ones mistakes. I am a pay backer myself, but I strive to the fullest to reroute someone from cards that makes you pay more than a mistake. But if the person choose to move with the higher fee card, then quess what, I love them the same.

oh, meya, meya , meya..i agree with your totally, but some people have no other choice. I don't want to say go with the higher fee if card if you can get aprove w/better cards. It's terrible that people (including me), get stuck w/the the sub-prime cards, and we both know how credit card industry works. 1st premier cards should only be short term and not cards you want to keep for 5 to 10 years. Just for rebuilding. Man I want a CapOne card so bad I dream about it. They didn't approve me then, and they not approving me now. I might never get approved, but I'm ok with that. (like i need more cards LOL). 1st premier fees are terrible, just bad, so is salute, tribute and orchard cards have annual fees. I think the YesCash card has the highest fees I've ever seen on a card. $625 CL, but once card is issued you have $375 of ava/credit...plus monthly fees of $10 a month. I wouldn't wish this card on my worst enemy. All is well in love an war. And I'll say it again...I wanna be like you when i grow up!

[yoyo11]

The card seems ideal in that you put up $99 and have a $500 CL. BUt she did not seem to be in the right place of my questions. And its true, I have applied twice on BoA website and all that came up was the regular secured card. So what I am wanting to know is how did this 99/500 card come about???? Was it through online app or at a branch???? Ive even browsed the cards and the only one listed is the regular secured card.

Meya is right...you have to apply and be denied for a regular card..doesn't matter which on you apply for. I never heard anyone going into a branch to apply for this card. As you can tell , this card is not offered on the web page. No one really knows about it. I've chatted with a rep, and she told me to apply for a regular card. About 8 months back I got pre-approved for a regular secured card in the mail after being denied for a reg/card. I've been banking w/BofA for 2 year. Two month ago, I went back online applied for a reg/card..and another pre-approval for a reg/secured card. The next day I went online and it gave me the 99/500 offer. I've applied, and had them take the money on the account. A few weeks past and i called BoFA for the status. They didn't even have my app. But once I went online on the status it said it was being processed. Well long story short. I got denied for the 99./500 because of BK. I asked them why did i get the offer, and I've wasted two hard hits..they said they were sorry and they just don't take BK's. So remember each card you apply for is a new app/and a new hit. I would just let it be until you see something in the mail...good luck! If all fails just call them like I did and have them process an app over the phone for the 99/500, speak w/a credit manager, they might have to call you back, but they will take your information.