Where to send your 1st Premier card payment

You can pay your 1st Premier Credit Card bill by mail, phone, or online through your account. The mailing address for payments appears on your monthly statement and on the back of your card. If you pay by phone, call the customer service number on your statement — a representative will walk you through the payment over the phone and can process it when ready.

Online payment through your account dashboard is usually the fastest route. Log in with your username and password, navigate to the payments section, and enter the amount you want to pay and your preferred payment method. The system will confirm the payment and show you a confirmation number.

Key Takeaways

  • 1st Premier accepts payments by mail, phone, and online through your account portal.
  • Your payment due date appears on your monthly statement, and paying by that date avoids late fees.
  • Online and phone payments usually post within one business day, while mailed checks may take five to seven business days.
  • You can set up automatic monthly payments from your bank account to avoid missing a due date.

Payment due dates and late fees

Your payment due date is printed on your monthly statement. 1st Premier typically gives you at least 21 days from the statement closing date to pay. If you pay after the due date, a late fee will be added to your account — the amount depends on your card terms, which you received when you opened the account.

Paying even one day late can trigger a late fee and may cause your interest rate to increase. If you miss a payment, contact 1st Premier as soon as possible to discuss your options. Some cardholders have been able to have a single late fee removed if they call before the next billing cycle closes.

How long payments take to post

The time your payment takes to reach your account depends on how you send it. Online and phone payments usually post within one business day. Mailed checks typically take five to seven business days to arrive and be processed, so mail your payment well before your due date if you choose that method.

If you are close to your due date and want to pay by mail, consider using online payment or calling instead. Payments posted after your due date will still incur a late fee, even if you mailed the check on time.

Setting up automatic payments

You can set up automatic monthly payments through your 1st Premier account to have a fixed amount withdrawn from your bank account on a date you choose. This prevents missed payments and late fees. Log into your account, find the autopay or automatic payment section, and enter your bank account number and routing number.

You can change or cancel automatic payments at any time through your account. If you set autopay for your full statement balance, your payment will adjust each month based on what you owe. If you set it for a fixed amount, make sure it covers at least your minimum payment so you do not fall behind.

Paying more than the minimum

Your statement shows a minimum payment amount — usually 1 to 3 percent of your balance — but paying only the minimum means you will carry a balance and pay interest charges. Paying more than the minimum reduces your balance faster and saves you money on interest over time.

If you can pay your full statement balance each month, you will avoid interest charges entirely. If you cannot, paying as much as you can afford above the minimum will lower the total interest you pay. There is no penalty for paying early or paying more than you owe.

What to do if you cannot pay on time

If you know you cannot make your payment by the due date, contact 1st Premier before the date passes. Explain your situation — some cardholders have been able to negotiate a brief extension or a temporary reduction in their payment. Calling before you miss a payment is much better than calling after, because it shows you are trying to manage the account responsibly.

If you do miss a payment, call as soon as you can. The longer an account sits unpaid, the more damage it does to your credit report. Even if you cannot pay the full amount, paying something shows the card company you are engaged with the account.

Payment methods and security

1st Premier accepts payments from bank accounts, debit cards, and credit cards. When you pay online or by phone, your payment information is encrypted to protect your account details. Never share your full account number or PIN with anyone who calls you claiming to be from 1st Premier — the company will never ask for this information unsolicited.

If you pay by mail, write your account number on the check and mail it to the address on your statement. Do not include sensitive information like your Social Security number or full card number in the envelope. Keep a record of the check number and mailing date in case you need to track the payment later.

Frequently Asked Questions

Can I pay my 1st Premier card with another credit card?

Most credit card companies, including 1st Premier, do not accept payments from other credit cards. You can pay with a debit card, bank account, or check. Paying a credit card with another credit card also typically triggers a cash advance fee and higher interest rate, so it is not a good financial move.

What happens if I pay late by accident?

A late fee will be added to your account. Contact 1st Premier to explain the situation — if it is your first late payment, the company may remove the fee as a courtesy. Even if the fee is not removed, paying when ready will prevent further damage to your credit report.

Can I make a partial payment?

Yes. You can pay any amount toward your balance, as long as it is at least your minimum payment by the due date to avoid a late fee. Partial payments reduce your balance and lower the interest you owe, but you will still carry a balance into the next month.

How do I know my payment went through?

Online and phone payments show a confirmation number when ready. Check your account a day or two later to confirm the payment posted. For mailed checks, wait about a week and then log in to see if the payment appears on your statement.

What if I overpay my account?

If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service. There is no penalty for overpaying.