If you are searching over the PlatinumOffer
it means you have either received the pre-approved offer or you came here looking for credit card options available to those with an average credit score. In both cases, you have landed at the right place!
Getting a credit card does not seem like a tough task! However, doing it with a broken credit report does not prove to be fruitful in most cases.
This is especially true if you are looking at the wrong place.
Luckily, First Premier Bank has a good reputation amongst other options in the US for providing a variety of credit cards. We suggest you contact them if you wish to receive some financial relief amidst tough time.
In this article, we will provide all the information you need about First Premier Mastercard credit card. We will also let you know how to respond to the mail offer or how to apply for the credit card right away.
PlatinumOffer – Quick Overview
Since the card is meant for those with average score, it tends to be a costly option. The bank would not charge you any security fee but the monthly maintenance charges, processing fee, and interest rates are a bit high.
Did You Know? You can avoid paying interest charges if you always pay on time. Carrying balance on the account is the only instance on which you are liable for paying interest.
We will discuss in the next section how the credit limit determines some of the charges that you will be paying. However, it is important to know that increase in the credit line is possible.
You need to maintain good credit spending habits for at least a year before you can qualify for it.
The bank also charges 25% fee when increasing the credit limit. Moreover, the processing fee is $75 for those with $600 credit limit. The rest of the customers needs to $95 for opening the account.
The bottom line is that the credit card presented by the PlatinumOffer help to boost your credit score fast. This is one of the main reasons why you should consider responding to mail offer you have received a pre-approved one.
PlatinumOffer First Premier Credit Card
Requirements
You can apply for the credit card at www.platinumoffer.com with a fair to average credit score. Some customers have also been approved with a poor credit standing because their credit report was in good shape.
Annual Fee
The credit limit offered to you depends on your creditworthiness. Consequently, the annual fee you pay would take into account the credit line you have. The breakdown is as follows:
- For a credit limit of $300, the annual fee is $75 in the first year and $45 afterward.
- For a credit limit of $400, the annual fee is $100 in the first year and $45 afterward.
- For a credit limit of $500, the annual fee is $125 in the first year and $49 afterward.
- For a credit limit of $600, the annual fee is $79 in the first year and $49 afterward.
Note! The annual fee is deducted from the credit limit so you will be left with lesser credit to spend at the start of the month.
Interest Rates
The purchase APR is also quite high in case of First Premier credit cart. It charges as high as 36%. The only way to avoid this is to make the payments on time and in full. Otherwise you would find yourself under a great financial burden.
Rewards
Unfortunately, there are no rewards offered on this card. Since the credit card is meant for those with poor credit score, its only aim is to help them fix the score. You can do so by maintaining timely payments, paying in full, not carrying a debt, and having a low credit utilization ratio. All of this is possible with the basic credit card.
Security
The card covers for fraud or other misfortunate events by providing $0 liability.
Applying For First Premier Card at www.PlatinumOffer.com
So now you know a lot about the Platinum Offer and what it has in stock for you. The next main task is to figure out how you can apply for the card. There are two ways to do this.
You can respond to the mail offer or fill out credit card application without the offer. Below we will show you how to proceed in both cases.
1. Responding To Mail Offer
A pre-approved mail offer would shorten your application time and improve the chances of your request being accepted by the bank.
Such offers imply that the bank has already checked your report and found you to be an eligible cardholder.
Attention! Pre-approved offer is beneficial but it does not guarantee that you would be accepted 100%. Anyhow, if you want to apply for the credit card, getting an offer in mail is an amazing opportunity.
Just like all other great banks in the US, First Premier Bank also traces its customers to recognize potential cardholders. It then sends out pre-approved mail offers to make the application process easier for them.
If you are from the lucky ones, here’s what you need to do next:
Your mail offer would include a confirmation number printed at the bottom of the page. Use your web browser to open www.platinumoffer.com. Here, type in the confirmation code and click on “Apply Now.”
Hopefully, the acceptance mail would reach you within a week. Keep your hopes high!
In case there is no response from the bank, we suggest you wait at least 2 weeks before contacting them. There are chances that the request is still pending because your information needed further processing.
2. Applying Without Mail Offer
You can apply for the First Premier credit card right away without entering the confirmation number. The procedure is pretty much the same. Again, you need to open www.platinumoffer.com.
Find the option that says “Apply Now” without confirmation code and click on it.
This would open another window with a digital form. Fill the application with your first name, middle name, last name, contact address, contact number, and social security number.
After submission, you will immediately get a response from the bank that would further provide guidance on rest of the registration process.
3. Contacting The Bank
Hopefully, there are no issues when you are applying for the credit card. However, if you wish to contact them related to other queries or for help, feel free to call on their toll-free number 1-800-987-5521.
Note! This is a general helpline that can be used to report problems, apply for the card, or cancel the credit card if needed.
You can also write to the bank at the following posting address:
First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524.
We recommend that you get in touch via email or call as it is responsive and quick. A written mail might cause delays in getting a reply from their representatives.
Is It Scam or Legit
PlatinumOffer.com with confirmation number is a completely legit, reliable platform if you wish to apply for First PREMIER Platinum Mastercard.
The bank is known around the US for providing a variety of credit cards to millions of users.
Furthermore, First Premier card offers $0 fraud liability. This implies that any unauthorized charges would be taken care of by the bank and you will not be held accountable for it.
On top of that, the bank has a reliable online system that is secure and up-to-date. You can quickly get in touch with the bank if you want to report any error or clear a query.
Wrap Up
That’s it folks! We hope this article covered everything you were looking for. The bottom line is that PlatinumOffer is a great place to start with your credit-rebuilding journey.
You may currently have a poor score but choosing the right credit card would help you solve that problem over a matter of months.
Who knows? Maybe next time you will be able to apply for a high-end card that offers a variety of rewards!
