How to contact Premier Credit Card customer service
Premier Credit Card customer service operates a phone line, online chat, and mailing address for account holders. The phone number is 1-844-273-7372, available Monday through Friday, 8 a.m. to 8 p.m. Eastern time. You can also reach them through their website's chat feature during the same hours, or write to their mailing address if you prefer to send a written request.
Before you call, have your account number and the last four digits of your Social Security number ready. This speeds up verification and reduces hold time. If you are calling about a specific transaction or recent statement, having that information in front of you will help the representative information you faster.
Key Takeaways
- Premier Credit Card customer service is reachable by phone at 1-844-273-7372 Monday through Friday, 8 a.m. to 8 p.m. Eastern time.
- Online chat is available through their website during the same business hours as phone support.
- You can also send written correspondence to their mailing address for requests that do not require when ready response.
- Having your account number and the last four digits of your Social Security number ready will speed up your call.
- Premier Credit Card is a secured credit card product, so customer service handles account management, credit limit increases, and disputes.
What Premier Credit Card customer service can help with
Premier Credit Card customer service handles account questions, payment issues, credit limit increases, fraud disputes, and billing inquiries. They can explain your statement, help you set up automatic payments, or walk you through disputing a charge you do not recognize. If you want to request a credit limit increase, this is also handled through customer service.
Customer service cannot change your interest rate or waive fees that have already posted to your account, though they can sometimes explain why a fee was charged or discuss your account history. If you are having trouble making a payment, calling to discuss your situation may reveal options you did not know about.
Online account management as an alternative to calling
Premier Credit Card offers an online portal where you can view your statement, make payments, and update your contact information without calling. Logging into your account through their website or mobile app lets you check your balance, review transactions, and set up automatic payments on your own schedule. This is often faster than waiting on hold.
The online portal also shows your credit limit, current interest rate, and payment due date. If your question is about information that appears in your account, checking online first may answer it without a phone call. However, if you need to dispute a charge, request a credit limit increase, or discuss account changes, you will still need to contact customer service directly.
Disputing charges and fraud claims
If you see a charge on your Premier Credit Card statement that you do not recognize, contact customer service to report it. They will walk you through the dispute process, which typically involves providing details about the transaction and confirming whether you authorized it. The representative will document your claim and explain what happens next.
Disputes are usually resolved within 30 to 60 days, though the exact timeline depends on the merchant and the nature of the charge. While the dispute is being investigated, the charge may remain on your statement, but it will not count against your available credit. Keep records of all communication with customer service, including the date you called, the representative's name, and what was discussed.
Requesting a credit limit increase
Premier Credit Card allows you to request a credit limit increase by calling customer service or through your online account. If you request through the phone, the representative will review your account history, payment record, and credit profile to decide whether to approve the increase. Some requests are approved when ready; others may take a few business days.
Requesting a credit limit increase through the online portal may result in a soft inquiry, which does not affect your credit score. Requesting by phone may result in a hard inquiry, which does show on your credit report. Ask the representative which type of inquiry will be used before you proceed. A higher credit limit can lower your credit utilization ratio, which may improve your credit score over time.
Payment and billing questions
Customer service can explain how your payment is applied, why a late fee was charged, or how to set up automatic payments from your bank account. They can also tell you your current balance, minimum payment due, and payment due date. If you are unsure whether a payment has posted to your account, they can confirm the status and provide a confirmation number.
If you are behind on payments, calling customer service to discuss your situation is worth doing before the account goes to collections. While they cannot remove fees or lower your interest rate, they may be able to discuss a payment plan or explain hardship options that exist. The sooner you contact them, the more options may be available to you.
Frequently Asked Questions
What time zone is Premier Credit Card customer service in?
Premier Credit Card customer service operates on Eastern time. Their hours are Monday through Friday, 8 a.m. to 8 p.m. Eastern time. If you are calling from a different time zone, adjust accordingly — for example, if you are on Pacific time, 8 a.m. Eastern is 5 a.m. Pacific.
Can I dispute a charge through the online portal instead of calling?
Most disputes must be initiated by phone or through written correspondence. While you can view your statement online, the dispute process requires you to speak with a representative or send a written request. Calling is usually faster because the representative can document your claim when ready and explain the next steps.
How long does a credit limit increase take?
Credit limit increases requested by phone are often approved or denied within the same call. Requests made through the online portal may take a few business days. The decision depends on your payment history, current balance, and credit profile. You will receive notification of the decision by mail or through your online account.
What should I do if I cannot reach customer service during business hours?
If you need to reach customer service outside of Monday through Friday, 8 a.m. to 8 p.m. Eastern time, you can send a written request to their mailing address or leave a message through their website. Your request will be handled when customer service reopens. For urgent fraud claims, check your statement or account for instructions on after-hours reporting.
Do I need to create an online account to call customer service?
No. You can call customer service without logging into your online account. However, having your account number and the last four digits of your Social Security number ready will speed up the verification process. If you do not have your account number, the representative can look it up using your Social Security number and date of birth.