The Ultimate Guide to Credit Cards
Saturday, November 28, 2020

How to Check Your First PREMIER Application Status + 6 Denial Options

First Premier Application Status

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: November 21, 2019
Advertiser Disclosure

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. If you find yourself in First PREMIER limbo, the good news is that you can contact the bank for an update and easily put an end to the waiting. Below, we detail how to get in touch with First PREMIER Bank — and in the event that your application is denied — we offer some alternative card options.

By Phone | Online | Denial Options (6)

Call Customer Service for an Update: 1-800-987-5521

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.

Screenshot of First PREMIER Customer Service Hours

As identity theft and digital fraud increase, identity verification has become an increasingly common reason for pending applications. Thankfully, this is easy to fix, as it often simply requires a telephone call to customer service.

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.

First PREMIER Screenshot

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.”

You Can’t Check Your Status Online

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.

If Denied, Try Another Credit Card Option

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
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Surge Mastercard® Review

at Celtic Bank'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit

+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
★★★★★
4.8
OVERALL RATING
4.0/5.0
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Bank of America® Cash Back Secured Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account
  • Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
  • Optional overdraft protection option helps prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99% Variable
$0
Bad/Limited
Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit

+See More Credit Cards for Bad Credit

Rebuilding Credit Can Start with the Right Card

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.

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