Comments on: Class action lawsuit settled against First Premier by NY Attorney General

By: first credit card

first credit card — Tue, 02 Feb 2010 05:54:07 +0000

when you are planning to acquire a credit card you have to understand the policies of the banks. You should consider the interest rate, credit limit, benefits and rewards.

By: Anthony

Anthony — Sat, 19 Dec 2009 02:42:58 +0000

Hi i had a first premier bank credit card in 2002
i had a master card,visa i had a line of $250 on both accounts and when i inrolled i was charge with fees and could not pay off this account at all
i will pay one time and all
i got sick and these account i had insurance on both n never got paid by the insurnce company
till this day i had to pay it anyway .

By: Arthur Thomas

Arthur Thomas — Thu, 30 Oct 2008 18:28:48 +0000

Capital One is the best credit cards for those with no credit history or who have cleaned up thier bad credit. Like First Premier, Capital One will start you off with a low credit limit, but unlike First Premier, Capital will not charge you huge upfronts fees. There is even a no annual fee card.

By: TJ

TJ — Thu, 02 Oct 2008 21:21:20 +0000

they can’t report you “late” to the credit bureaus until your payment is at least 30 days late – so if you’re at 15 days right now, you’re still okay, but may not be in another 15 days. I’d advise checking back with them in about a week to see if they’ve resolved the issue and zeroed out your balance. If not, you have a couple of options: 1) pay only the very minimum payment on the balance to avoid the 30 day late and the credit report hassle. 2) file in small claims court in your county. You need to log on to your state’s attorney general’s website and research the name and address of who accepts lawsuit summons on First Premiere’s behalf. Then, although you will name First Premiere Bank as the defendant, you need to be sure you serve the papers on the agent for service I just mentioned. The agent then forwards the suit and summons to the proper person at First Premiere. Generally, it costs only about $25 to $40 to file a small claims suit and you get the back in the award if you win. Also, neither they or you can be represented by an attorney, so this really saves costs. What I’ve found whenever I sue a jackas* company like this is they will contact you and resolve the issue, remove anything negative on your credit report, etc. in return for you dropping your suit. It works like a charm usually because they don’t want the expense and hassle of having to send someone to your county to represent them in a suit worth a few hundred bucks. And, they also know that if they don’t show up and you win by default or you win with them there, they will have to pay FCRA violations fines, usually $1,000 per occurence. Not sure what violations are proper in your exact situation, but you can find out through research… Hope this helps.