I made the mistake of signing on with First Premier about 5 months ago when I got a pre-approved offer in the mail. The choice was dumb but I was very hard-up at the time; I didn't realize my mistake until it was too late. I'm only 20 and still learning about these things.
I currently get about 15 calls a day and 10 voicemails from these people. It is usually because I have scheduled my payment and they do not mark the account. I have gotten calls claiming I'm late when I have already scheduled a payment to go through days before the due date. The interest constantly puts me over the limit even when I make more than the minimum payment and then I get a call demanding immediate payment to bring the account back down. I then get hit with an overlimit fee the NEXT billing cycle which starts the process all over again.
I actually cancelled the card in the middle of February because I was so tired of everything. At that point, I stopped receiving statements in the mail. With this card, the only way to pay without some sort of processing fee is to mail your payment. I did not want to mail a payment without a remittance slip. In addition, I did not want to make a payment without seeing a statement of charges. Everyone that I have talked to about this matter have been very rude and condescending. Every time I call them, the story changes about how much I owe and what kind of fees are on the account.
I am worried now because I am in a postion to pay the card off and want to end this nightmare for good. I have been reading other consumer rip-offs and the biggest problem seems to be with paying the balance in its entirety. Since they do have all these fees that post on the following bill cycle, what is the best way to close out this account. I have already experienced them trying to avoid telling me about fees so that they can collect overlimit and late fees. I am afraid I will never get out from under this poor excuse for a credit card. I am going to be very careful to document all my dealings with them from now on. For anyone looking into this card, make sure you do your research.
Morrisville, North Carolina