I have had a First Premier Mastercard for 2 years with a $300 limit. Each month I have paid the full balance due to avoid fees. This week I paid them $320.67 through my bank's internet banking service, d rawing the funds directly from my account and sending via ACH (Automated Clearing House) which guarantees payments between financial institutions. When I checked my balance by phone after the payment cleared my bank account I had a 0$ balance due but 'No Available Credit At This Time'. When I spoke with a Customer Service... read full review »