Does First Premier do a hard inquiry?
William Smith
Updated on April 01, 2026
Yes, the First Premier Bank Mastercard does a hard pull on your credit when you apply for it online. You can apply with a bad credit, but a hard pull usually causes your credit score to further drop by 5-10 points.
Can you take money off a First Premier credit card?
You can withdraw money from the First Premier Bank Credit Card as a cash advance. Once your account is open, your initial cash advance limit will be 10% of your credit limit. And, you’ll start accruing interest on cash advances immediately. So, it’s best to avoid taking cash advances.
Can I pay my First Premier credit card with a debit card?
Yes, you can pay your First Premier credit card with a debit card, even with someone else’s debit card. To do that, you need the debit card account number and expiration date. More specifically, you can pay either online or by calling them at 800-987-5521 (select option 2).
Why is my First Premier card declined?
WalletHub, Financial Company Your First Premier Bank Mastercard could be declined for a number of reasons. Reaching your credit limit is the most common, or you may have made an unusual purchase, which First Premier flagged as fraudulent use.
What is the First Premier program fee?
Additional Card Details
| Credit Limit | Program Fee | Monthly Fee |
|---|---|---|
| $400 | $95 | $0 first year, then $6.25 per month |
| $500 | $95 | $0 first year, then $10.40 per month |
| $600 | $75 | $5.85 per month first year, then $8.25 per month |
| $700 | $55 | $8.00 per month first year, then $10.40 per month |
Can I pay my First Premier credit card at Walmart?
You can make a cash payment at more than 100,000 locations, including Walmart, for same-day posting times. Call 1-888-818-7127 or visit Premier.ingolocator.com and enter your zip code to find the payment location closest to you. Use the Receive Code 6267 when you make your payment.
Can I have 2 First Premier credit cards?
Yes, you can have more than one First Premier credit card. But keep in mind that First Premier’s credit cards have one-time, annual and monthly fees, and also a 36% APR for their unsecured cards and 19.9% for their secured card.
Does First PREMIER Bank sue?
Yes, First PREMIER Bank can sue you. First PREMIER Bank can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs.
Does First Premier waive program fee?
This card also has several fees that vary depending on your credit limit. One of them is an annual fee that costs between $45 and $125. However, First Premier will waive or reduce this fee for the first year, which can help offset the cost of the program fee.
