I had a two credit cards with 1st Premier Bank about 10 years ago to help build my credit up, which I decided to pay off and close due to the fact that the interest charges would never go away even if I paid my full balance before the due dates. Anyway, I left both accounts paid off and in good standing only for one of those accounts to come back to bite me by way of Portfolio Recovery Associates. After going through my credit and asking the First Premier Bank to send me letters stating the last known status of my credit card account(s), it... read full review »