First Premier Bank Sioux Falls SD Ignored all the Warnings and Now I'm paying for it!!! Sioux Falls, South Dakota

I have been paying past due bills to repair my credit but need a credit card to build credit.  I needed a credit card and knew it needed to be secure.  I decided to go with First Premier Bank....bad idea.  I need a $200 deposit, which I expected.  I payed $50 every two weeks in an 8 week period.  After I had made the last payment I called to check on the status, this is when everything went down hill.

First the said they only had $150 not $200 then they found it, after I talked to 4 people.  (I also had to explain my situation everytime I got a new person on the line).  Then when I called back to see when they were sending my card, they said they were still waiting for a final payment....to bring me up to $200.

Luckly I had used my bank's pay bill system, so I was able to see that First Premier Bank had indeed cash all 4 checks ($50 ea.)  It took 2 days to find the the $50....for the 2nd time.   At this point though, I had decided that if it was this difficult to just put down a security deposit, I could imagine how paying on a credit card with them would be.  I worked very hard to clear my credit and wasn't going to let First Premier ruin it.

I asked for a refund.  They told me it would take 30 to 90 days and it would come in $50 checks....like I sent them.  I was so frustrated and now I'm worried about them sending my money back....I will keep you updated on when I recieve the refund.