I recently applied for a credit card with First Premier Bank. I never heard anything back, till the first bill arrived with charges on the account. I tried to contact them, but no luck. They then called my while I was at work and I explained that I never received a card, neither I activated one. I told them to cancel the card. Till this day I receive bills, and I have no way to cantact them. I tried it over the internet, no luck. I work shifts, so it is very hard for me to contact them. The phone number is an automated sytem, and you can never get hold of a person.
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