The Ultimate Guide to Credit Cards
Wednesday, July 15, 2020

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

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

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.

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
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Fair
Credit One Bank® Visa® Credit Card with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.8/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% 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.

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
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good
NetSpend® Visa® Prepaid Card Review

at Netspend'ssecure website

BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
3.6/5.0
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card " for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Up-to $9.95 monthly
Not applicable

+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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