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1st premier secured?


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Hi folks,

I'm sorry to report about the ONLY CC I can get approved for and the ONLY one that I can do is the "First Premier Secured" card. It allows you to send 25.00+ incr. and once it reaches 200.00 they'll open an acct for ya--also, no questions and going on and on about employment.

At any rate, do you folks know how it goes once the initial funds are sent?? What info should I be getting and about when? Any thoughts from those who've BTDT? I'm just wondering if I'll get info as to where to continue sending funds. I did note down the addy they gave me.

Elyse

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car loans are easy...

there are many pay on the lot

places that will take care of you

once you get a positvie trade line..

first stop for a car is pay on the lot.

next stop is some place like mercury finanace

or household...

then comes ford ... but a car is not hard..

and you can do all this right here

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Thanks for the info hon--can't wait to get my positive tradeline going! Sent 50.00 last week and have yet to hear from First Premier, so we'll see. I can't wait to get online here at the forum to say, "Hey folks, I got a car!" LOL...we need one so badly, I only hope the one we got can hold out until we're able to get one.

Elyse

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Over 5 years ago, my DW sent the $200.00 for their Secured Visa. The initial CL was $404.00. Since then they have increased it to $1500.00 which is the maximum for their Secured Cards. We know as we have been trying to get this increased for months and they finally sent us a letter explaining this. Also, when you ask for an increase, and it is given, they charge you $25.00 for doing this.

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Thanks for sharing your experience.

I don't plan on keeping it longer than a few years--I'd like to see one credit increase, don't mind the 25.00 charge and I'll go from there. It's just that not having a job and my FICO being where it is an all this is really all that seemed to suit me...also, it allows me to pay 25.00+ increments rather than come up with an entire 200.00 chunk which I can't do right now.

Elyse

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I'm going to go ahead and bump this post because I want to know if ANYONE else here has had a secured First Premier Card. I was curious to know what happens after you send in your initial payments...do they NOT set anything up until it reaches 200.00?? How do I know where to keep sending funds until it reaches that amount??? It's only been like 2-3 weeks so maybe I just need to wait the 4-6 wks??? I don't recall reading about that.

Anyone here know the drill???

Elyse

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Hi guys where did you find the first premier card is their a website, and are there any credit checks or employment checks. And do they charge interest to you for the use of your own money? Any help would be appreciated.

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to answer your questions, I have had mine for 6 months, all they ask is you have no lates or derog's for 6 months, then you pay the fees and yes they charge you 9.9% interest, which isn't bad at all, but there is a $6 a month fee, a $7.00 fee to pay online, and finance charges. it is a decent card, I could only get this card months ago, and today I got my first real card. I picked up the Citi Plat card, $2,000 limit 0% apr for 6 months.

My credit scores are listed below and up to date...

good luck.

Mulder

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