Don't send in big payments!!! I had paid off my credit card through first premier on Wednesday Feb 6, the funds were recieved by them on Thursday the 7th by electronic transfer. I was told on the 6th that my credit would be available on the 7th. I wanted to make sure because we were going out of town and we carry the credit card in case of emergancies. Saturday we broke down on the way home and had to call a tow truck.
We were going to pay for the tow truck with the credit card because we had no cash. Or Credit card was declined, so we called and it said balance 0 available credit 0. So if I just paid it off 3 days ago, how come I have no available credit? So I called my bank to find out if they transfered the money electronically to first premier bank and the told me yes they recieved the money on thursday the 7th.
I called first premier and they said they had to hold the funds for 15 days to make sure the funds would not bounce. If it is an electronic transfer, the funds are not going to bounce, because if the funds are not in your bank account, my bank is not going to send them to first premier.
They also told me that if I wanted that they could send a request to the billing department for them to call and verify that the funds were recieved, but it is going to take 24 to 72 hours to do that. This is a bunch of bull crap and I don't think we should have to take it.
Signed
Very mad Michigan women
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