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With advanced algorithms hard at work behind the scenes of every bank and credit card issuer, the average credit card application takes only about 60 seconds to get a decision. When you’re dealing with poor credit, however, that 60 seconds can feel like 60 minutes as you wait to see if you’ll be approved. While you can improve your chances of approval by applying for an easy-to-get credit card from an issuer specializing in subprime products, such as First PREMIER Bank, that anxiety is hardly eliminated.
Few guarantees exist in the world of credit cards. And it gets even worse if you get the dreaded “pending” decision that indicates the algorithm can’t make a decision about your application. Luckily, you can contact First PREMIER to get an update and put an end to the worry and waiting. By Phone | Online | Denial Options (6) When an application isn’t able to be approved or denied right away, it often means the bank needs more information.
This can include the verification of some of the data on your application, such as verifying your income, or it can require you to submit additional documents to the issuer. Whatever the reason the application process couldn’t be completed online, you should receive an update on your status from First PREMIER by mail. The letter will be sent to the address you provide when you originally apply.
Keep in mind that it can take anywhere from seven to 10 business days to receive your correspondence from First PREMIER. This is due to the time required for a human to review your application, as well as the time it takes for the letter to reach you. If you’re impatient for information, or have yet to hear from First PREMIER despite the time frame passing, you can contact them by phone for an update about your application.
This is accomplished by calling the customer service line during open business hours: 1-800-987-5521 First PREMIER customer service representatives are available from 7 a.m. to 9 p.m. (CT), Monday to Friday, and from 8 a.m. to 4:30 p.m. (CT) on Saturdays. Unfortunately, you won’t be able to call for a status update until your application has been processed into the First PREMIER system. Applicants whose First PREMIER applications can’t be completed online should receive mail correspondence with an application update within two weeks.
The site instructs applicants to, “Please wait at least 48 hours from the day you completed your application. This will ensure your application has been entered into the bank’s system.” Although anyone looking to apply for a First PREMIER credit card can do so online, the same cannot be said of getting updates. In fact, if you’d rather not wait for the mail, checking the status of that application can only be done over the phone, during the set hours of operation.
The First PREMIER Bank credit card is designed specifically for those with low credit scores. Unfortunately, this doesn’t mean you’re guaranteed to be approved when you apply, even if your credit score is higher than that of the typical applicant. While reasons for denial vary, they can be based on anything from your income to your credit report. Since each issuer will have its own standards for approval, being denied a First PREMIER credit card doesn’t mean you’ll be denied by other issuers.
Those who are unsure about their chances for approval and don’t want to risk a hard credit pull can check for pre-qualification offers with each bank. Although pre-qualification doesn’t mean you’ll definitely be approved, it can be an indicator that your chances are good. Fair Credit | Bad Credit | No/Limited Credit Fair Credit Alternatives Depending on how your credit score is calculated, a “fair” credit score is somewhere between 580 and 699.
Having a score lower than this range doesn’t mean an automatic denial, but you’d do well to check for pre-qualification before applying. Credit cards in the “fair” category will likely have much better interest rates than the subprime cards designed for bad credit consumers. They may also offer cash back rewards or other credit card spending bonuses. FAIR CREDIT RATING ★★★★★ 4.
9 OVERALL RATING Earn unlimited 1.5% cash back on every purchase, every day Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018 No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn Get access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is ever lost or stolen Use online banking to access your account, even from your smartphone, with our mobile app N/A N/A 24.
99% (Variable) $39 Average, Fair, Limited FAIR CREDIT RATING ★★★★★ 4.8 OVERALL RATING Pay no annual fee Get access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolen Use online banking to access your account, even from your smartphone, with our mobile app Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you Get access to your account 24 hours a day, 7 days a week N/A N/A 24.
99% (Variable) $0 Average, Fair, Limited FAIR CREDIT RATING ★★★★★ 4.7 OVERALL RATING Find out if you Pre-Qualify without harming your credit score Eligible purchases earn 1% cash back rewards automatically, terms apply Get a credit line between $300 and $3,000 based on your credit history Looking for more credit? Get credit line increase opportunities, a fee may apply Choose your monthly payment due date for added convenience, terms apply With $0 Fraud Liability, you won’t be responsible for unauthorized charges N/A N/A 17.
24% - 25.24% Variable $0 - $99 Fair +See More Credit Cards for Fair Credit Bad Credit Alternatives While the exact range varies by scoring model, if your credit score is below 550 you qualify as having bad credit. If you’ve been denied a First PREMIER credit card because of your credit, your best bet for an alternative credit card is another subprime issuer like First PREMIER. Because subprime issuers are taking a greater credit risk than issuers that have higher credit score requirements, they often charge higher interest rates and fees.
Make sure you understand the exact fees you’ll be expected to pay before you apply for a credit card. BAD CREDIT RATING ★★★★★ 4.7 OVERALL RATING Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit Fast, easy online application process and a quick decision Not an access card N/A N/A See Issuer Website $0 Poor Credit BAD CREDIT RATING ★★★★★ 4.
6 OVERALL RATING No annual fee, and all the credit building benefits with responsible card use Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed Easily manage your account 24/7 with online access, by phone or using our mobile app It's a credit card accepted at millions of locations worldwide N/A N/A 24.
99% (Variable) $0 Limited, Bad BAD CREDIT RATING ★★★★★ 4.5 OVERALL RATING All credit types welcome to apply! Monthly reporting to the three major credit bureaus Initial Credit Limit of $500.00!* (subject to available credit) Fast and easy application process; results in seconds Use your card at locations everywhere that Mastercard® is accepted Free online account access 24/7 N/A N/A See terms See terms Bad, Poor Credit +See More Credit Cards for Bad Credit Despite all of the advanced credit algorithms, some applications simply need the human touch.
Not every “pending” means an instant denial, so have patience. If your First PREMIER credit card application is denied, however, plenty of options are out there to find a quality credit card. No matter which card you choose, be sure to use it responsibly. Only charge what you can pay off completely by the due date. Not only can this help you avoid paying interest on your purchases, but responsible use of a credit card over time is a good way to rebuild — or start building — a healthy credit history.