I was contacted by first premier in early 2002. The guy I talked to promised me a lower interest credit card to absorb all my existing debt. He then asked me what amount would be sufficient to cover this debt and waited a minute before answering that it would be no problem for me to get this amount. He spent the next 15-20 minutes answering all my questions and reassuring me what a great deal this was. After talking with him I felt confident this was the right move. When his supervisor called back to confirm everything I was already satisfied with the information I had recieved and it still appeared to be a good deal despite the 275 fee. However when I recieved the "package" I was extremely dissappointed to find a sheet describing ways to improve your credit and a list of low interest rate credit cards that I had to apply for. I recieve low interest rate credit card offers in the mail regularly and can get free information on building credit on the internet. I called the company complaing and they played back a tape of me talking with the supervisor. And then I heard where he had snuck in the disclaimor that approval was not guaranteed and no information was actually known by first premier. I asked to hear the tape of the sales representative who had initially conned me into this but convieniantly this was not taped. So my fiance and I had applied for 3 cards and were denied by all. We sent in our denials to get the 60% refund we were promised. It is now 4 months later and we have not heard anything, recieved any refund and our credit was actually hurt by the frequent credit applications. I feel stupid for buying this scam and not paying more attention after the initial con by the first representive I want my money back. NickOwatonna, Minnesota
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