Here's the real deal on Premier Savings. They are just a room full of telemarketers who are after your money.
When you receive that call from them just remember they only want your money and then hang up. They will try to convince you that you are qualified for a new card but the truth is they bought your name and number from a broker and have no idea who you are or what your credit is like.
The so called "SPECIAL BANKS" on their list are the ones you see on TV and the internet everyday! Capitol One, Chase, Bank of America, Discover, AmEx, Providian, MBNA, etc, etc. Don't be deceived into beleiving they can help you get a low rate card. They can only help themselves to your $399 if you let them. Don't do it!
If you are taken in by this group, don't let them keep one cent of your money. Forget the BBB, they can't help. File a complaint with your state Attn. Gen's office ASAP. Also file with the Arizona AG at www.azag.gov/consumer/complaint. That will get results in a hurry. These people who opperate on the fringe don't care about the BBB and other such organizations, but they will jump thru hoops when they receive a letter from your AG! Also call your credit card company and dispute the charge ASAP. This is important. If you don't like what you see when this package arrives, and you won't, call your CC company before you do anything. Remember, you are intitled to 100% of your money back.
Just remember that this is just a group of simi legal telemarketers that want your money and you will be OK. Don't be fooled by all the hype and nice web sites.
If you screw up and give money to these people, remember that you have a right under Federal law to cancel your order within 3 days of receiving it and get a full refund. Don't put it off.
Call the day your receive their so called "Package of Information and cancel. Don't argue with these people, just state your case and tell them you are calling your credit card company and disputing the charges as well as contacting the AG's office. That is the only thing you can do to get results.