First Premier Bank ripoff Sioux Falls South Dakota

Hi,
Because of attempted I.D. Theft, I am now an ardent devotee to Rip Off Reports..Thank you guys!I sure got my eyes open!
My wife received Saturday 23rd August a "Pre-Approved" Gold Mastercard from First Premier Bank offering her a new mastercard with the whooping credit limit of $300.00. WOW!

As I have been following reports on your web site, the name "rang a bell" and I immediately got on line and was not surprised see 179 rip off reports against First Premier Bank.

They charge a total of $244.00 in initial fees oh and if you need a second card for your spouse that is an additional $20.00.

And wait for this, if your credit gets better and you are eligible for an increase in your credit limit they "generously" charge you an additional fee of $20.00. So the better your credit the more they charge! This must be without doubt one of the worst credit card rip offs I have come across.

Now one thing concerns my wife and myself, the "Pre-approval" they mention which I assume means they have checked our credit.

I was of the understanding it was illegal for someone to obtain a credit report without the clients permission and if this be the case does that mean there is an "unauthorised" search against our records. Can someone advise on this please.

We have to now contact each of the credit reference agencies to see if we were checked by First Premier Bank and if we find we were and it was illegal, we intend to sue their asses off.

Readers, please be aware of these types of rip offs. If we were "pre-approved" and had good enough credit rating (which we have incidently), do you think we would be stupid enough to "buy" a useless low limit highly expensive credit card from these rip off merchants.WE WOULD GO TO A LOCAL BANK!

There is also a "PRESCREEN & OPT-OUT NOTICE" on the terms and conditions which is toll free at 1-888-567-8688 so I will try it to see if it works.

Under this notice they also advise you to contact Experian Target Marketing, Equifax Options, Trans Union LLC,and Innovis Data Solutions as well.... Why?

I have only lived in your wonderful country for about a year with my American wife and as is promoted world wide, America is the land of opportunity and I totally agree, but it is also the Rip Off Merchants Land of Opportunity also.

What the hell are the Authorities, Legislators, FDIC and others doing about these rip offs? Come on guys, get up off your lazy asses and do something for the consumers who have to put up with this disgraceful crap on a regular basis and remember those of you who were voted in, you better do your bit or we will remember your "non-actions" next election day!

Tom
Clovis, California
U.S.A.