I just wanted to warn all people looking to rebuild there credit NOT to use First Premier Bank. For most of us, we're looking to establish our credit. Whether it's because of damaged credit scores or first timers. Either way, this company knows what type of situation we are in and takes full advantage of it. I live pay check to pay check at this point in my life and when I make a direct deposit from my checking account to pay off my balance, I need those funds ASAP to survive. For the first 3 months of my membership they would post my payments the next day and the funds would be available. For no reason on Dec 12, I made a 200 payment (300 Credit Limit) so I could buy Christmas gifts. Well, they decided not to make the funds available untill Jan 7th of this year! I couldn't buy gifts for many of my friends and family.
When I called to find out why they told me it was for security purposes. That's all they would tell me. The thing is, they took the money from my checking account on the 12th. Now everytime I make a payment, I have to wait 2 weeks or more.
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