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Report: #234312

Complaint Review: First Premier Bank - Sioux Falls South Dakota

  • Submitted:
  • Updated:
  • Reported By: Montgomery Louisiana
  • Author Confirmed What's this?
  • Why?
  • First Premier Bank Sioux Falls, South Dakota Sioux Falls, South Dakota U.S.A.

First Premier Bank Received activated First Premier credit card I did not request. HOW do I get rid of it? Sioux Falls South Dakota

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I received a First Premier Bank credit card in the mail I did not request. I looked it up and found this website, whoever can help me out please do. It says the following beside the card that is glued to the paper:

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Credit Limit: $250.00
Initial Fees: $178.00
Available Credit: $72.00
First Payment: $20.00

Below that, it says:

What you need to know about YOUR new First PREMIER Bank Credit Card:

Sign Card: Your card is active and ready to use. There's no need to call to activate. Please sign the back of your card immediately.

Make payment: Your first statement should arrive in 7-10 days, allowing you to make your first $20.00 minimum payment.


I read the little paper and the only thing it says regarding refusal of the card is this:

If You Do Not Want the Card: If you do not want the Card, you should cut it in half and return it to us with a written note asking us to cancel your Credit Account. Once you or an Authorized User begin to use the Card, you will have formed a binding contract with us regarding the terms of your Credit Account as described in this Contract.

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I already have a credit card which is better than this one and do not need this one to begin with. Does cutting it in half and mailing it back to them with a written letter refusing it work? If so, what address should I use?

I do not want to owe $178 for things I did not purchase on a card I did not request.

I am thinking about just brining the entire envelope to an attorney's office and having them deal with it for me.

Byron
Montgomery, Louisiana
U.S.A.

This report was posted on Ripoff Report on 02/04/2007 01:42 AM and is a permanent record located here: https://www.ripoffreport.com/reports/first-premier-bank/sioux-falls-south-dakota-57117/first-premier-bank-received-activated-first-premier-credit-card-i-did-not-request-how-do-234312. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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