When bills outweigh your budget
Bills piling up? We work every day with customers by answering their PREMIER account questions. Ultimately, giving them the chance to build their credit. Hear from Sujey on The Balancing Act.
The Balancing Act
Credit shouldn’t be complicated, so we’re breaking it down with simple, straightforward tips to help you take the first steps to better credit.
Score these benefits
Credit Reporting
Monthly reports to the Consumer Reporting Agencies to help you build1 your credit.
Clear Pricing
No hidden fees here. Everything is in the Terms and Conditions.
Award-Winning Customer Service
Call on our U.S.-based customer service representatives who are here to help you get the account answers you need.
Credit Limit Increases
Eligible for a well-deserved increase after 12 months of consistent responsible account management.
You can take control of your credit journey
Improving your credit after a setback can seem challenging. With the right partner, it can be a little easier. Hear from Vesa on The Balancing Act.
Ways you can improve your credit
See how we help our customers with a chance to rebuild their credit, and why we're so committed to them.
Valerie's story
Bad credit happens to good people. Hear from a real customer like you and learn how she took a second chance to rebuild her credit.
Chandra's story
Our employees are committed to supporting customers on their journey to better credit. Hear how Chandra offers hope, one customer at a time.
Frequently Asked Questions
Managing a credit card is one way for you to build or rebuild your credit and improve your credit score. To help build good credit, use credit cards regularly and make all your payments on time. You’ll also want to keep an eye on what’s called credit utilization. Credit utilization is the percentage of your total credit you're using. In general, you should aim to keep your utilization percentage low (under 30%) by using a small portion of your card's credit limit.
Secured credit cards are often a great place to start. A refundable security deposit2 is required to open your account. The PREMIER Bankcard Secured Credit Card can give you the opportunity to start your journey to building or rebuilding your credit right now vs having to wait until you’re eligible for the unsecured.
Yes. Your performance is reported directly to the major consumer reporting agencies.
Disclosures
- Build credit by keeping your balance low and paying all your bills on time every month.
- A refundable security deposit means you get your money back if you have a zero balance and the account is closed.