I accepted the terms for the credit card from Premier Bank Card because I wanted to help build some credit. This was a HUGE mistake! Not only do they charge you to have online access, but they also charge you a minimum of $7 just to make a payment online. This is just the beginning... Then, when the time came for me to get rid of these cards because the expense wasn't worth the credit, it became a hassle just to get them to close my account. They changed my auto draft info without my permission and caused me to have 'late'... read full review »