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Monday, May 20, 2024

How to Check PREMIER Bankcard Application Status (May 2024)

First Premier Application Status
Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer
Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewed by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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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 response. But when you’re dealing with poor credit, that 60 seconds can feel like 60 minutes as you wait to see whether you’ll be approved.

While you can improve your approval chances by applying for an easy-to-get credit card from an issuer that specializes in subprime credit products, such as PREMIER Bankcard, 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 approval 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 PREMIER Bankcard — and in the event that your application is denied — we offer some alternative card options.

By Phone | Online | Denial Options (9)

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

When an application isn’t 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.

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

PREMIER Bankcard Screenshot

You must call customer service to check the status of your application.

Whatever the reason the application process couldn’t be completed online, you should receive an update on your application status from PREMIER Bankcard 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 PREMIER Bankcard. This is because of 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 PREMIER Bankcard 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 business hours:

1-800-987-5521

PREMIER Bankcard’s customer care 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 in PREMIER Bankcard’s system.

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 PREMIER Bankcard 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 your credit card application status can only be done over the phone, during the set hours of operation.

If Denied, Try Applying For a Different Credit Card

PREMIER Bankcard credit cards are 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 has its own standards for approval, being denied by PREMIER Bankcard 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.

You can filter more card options for your credit rating by using the following links:

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 670. 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 for fair credit will likely have much better interest rates than the subprime cards designed for bad credit consumers. They may also offer cash back rewards on eligible purchases or other spending bonuses after account opening.

FAIR CREDIT RATING
★★★★★
4.9
OVERALL RATING
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% (Variable)
$0
Average, Fair, Limited
Discover it® Student Cash Back Review

at Discover Card'ssecure website

FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
Fair/New to Credit
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% (Variable)
$39
Average, Fair, Limited

+See More Credit Cards for Fair Credit

Bad Credit Alternatives

While the exact range varies by scoring model, if your credit score is below 580, you qualify as having bad credit. If you’ve been denied a PREMIER Bankcard credit card because of your credit, your best bet is to apply with another subprime issuer or to get a secured credit card.

Because subprime issuers are taking a greater risk than issuers that have higher credit score requirements, they often charge higher interest rates and fees, unless you opt for a secured card. Make sure you understand the exact fees you’ll be expected to pay before you apply for any credit card.

Surge® Platinum Mastercard® Review

at Continental Finance'ssecure website

BAD CREDIT RATING
★★★★★
4.5
OVERALL RATING
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
See website for Details
35.90% Fixed
$75 - $125
See website for Details*

BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • 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
29.99% (Variable)
$0
Limited, Bad
Reflex® Platinum Mastercard® Review

at Continental Finance'ssecure website

BAD CREDIT RATING
★★★★
4.4
OVERALL RATING
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
35.90% Fixed
$75 - $125
Bad, Fair, or No Credit

+See More Credit Cards for Bad Credit

No Credit Alternatives

If you don’t have an established credit score, you’re considered to have no credit. That doesn’t mean your credit score is zero — there’s no such thing as a zero credit score. It simply means you lack information on your credit reports from which to calculate a credit score.

The following cards are great options with lower interest rates and fewer fees than those of the PREMIER Bankcard card lineup. Some are even rewards cards for students new to credit.

Secured Chime Credit Builder Visa® Credit Card Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
  • No credit check to apply
  • Adjustable credit limit based on what you transfer from your Chime Checking account to the secured deposit account
  • No interest* or annual fees
  • Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
  • The secured Chime Credit Builder Visa® Card is issued by The Bankcorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • *Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
None
NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% (Variable)
$0
Average, Fair, Limited
NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (Variable)
$0
Average, Fair, Limited

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 PREMIER Bankcard application is denied, however, plenty of options are out there to find a quality credit card.

No matter which credit card offer 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.

* Build credit by keeping your balance low and paying all your bills on time every month.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.