Premier Credit Card's main customer service number and what it covers
Premier Credit Card's primary customer service phone line is 1-844-373-7237. This number handles account inquiries, payment questions, fraud reports, and general account management. The line operates during standard business hours, typically Monday through Friday, 8 a.m. to 10 p.m. Eastern Time, and Saturday and Sunday, 10 a.m. to 6 p.m. Eastern Time, though hours may vary by season.
When you call, have your card number and account information ready. The automated system will route you based on your reason for calling — whether you need to report fraud, make a payment, dispute a charge, or ask about your account status. If you are calling about a specific transaction or balance, the system may ask you to verify your identity before connecting you to a representative.
Premier Credit Card is a secured credit card product, so many calls relate to credit limit increases, graduation to an unsecured card, or questions about how the card reports to credit bureaus. The customer service team can walk you through these processes over the phone.
Key Takeaways
- Premier Credit Card's main customer service number is 1-844-373-7237, available Monday through Friday 8 a.m. to 10 p.m. Eastern Time and Saturday and Sunday 10 a.m. to 6 p.m. Eastern Time.
- Have your card number and account information ready before calling to speed up verification and routing to the right department.
- The line handles fraud reports, payment questions, credit limit increase requests, and questions about how the card reports to credit bureaus.
- If you cannot reach a representative during business hours, the automated system can often process payments or provide account balance information.
What to expect when you call
The automated system will ask you to enter your card number or account number using your phone keypad. After verification, you will hear menu options for different reasons you might be calling — fraud, payments, account information, or speaking to a representative. Selecting an option routes you to the appropriate department or allows the system to handle your request directly.
Wait times vary depending on the time of day and day of the week. Calling early in the morning or mid-week typically means shorter waits than calling on Friday afternoon or during the lunch hour. If you reach a queue, the system will tell you the estimated wait time and offer you the option to receive a callback instead of holding.
Reporting fraud or unauthorized charges
If you notice a charge you did not make or suspect your card information has been compromised, call 1-844-373-7237 and select the fraud option from the menu. You do not need to wait for a representative — the automated system can often place a temporary fraud hold on your account when ready while you report the details.
When you speak to a representative or use the automated system, have the specific transaction details ready: the merchant name, the amount, and the date it appeared on your statement. The representative will ask whether you recognize the merchant and whether you authorized the charge. If you did not, they will begin a dispute process and may issue you a replacement card with a new number.
Making a payment by phone
You can make a one-time payment to your Premier Credit Card account through the automated system without speaking to a representative. Select the payment option from the main menu and follow the prompts. The system will ask you to confirm the amount you want to pay and the account you want to pay from (checking or savings account).
Payments made before 8 p.m. Eastern Time typically post to your account the same business day. Payments made after 8 p.m. or on weekends may not post until the next business day. If you have a payment due soon and want to may support it posts by a specific date, calling during business hours to speak to a representative can clarify the exact posting timeline.
Questions about credit limit increases and card graduation
Premier Credit Card is designed as a stepping stone to building or rebuilding credit. Many cardholders call to ask about increasing their credit limit or graduating to a standard unsecured card. The customer service team can review your account history, payment record, and credit bureau reports to discuss whether you are may be able to access for either option.
Credit limit increases are sometimes automatic after a set period of on-time payments, but you can also request a review by calling. Graduation to an unsecured card typically happens after 12 to 18 months of responsible use, though the exact timeline depends on your credit history and payment behavior. A representative can tell you where your account stands and what steps might move you closer to graduation.
Checking your account balance and statement
You do not need to call to check your balance — you can log into your online account portal or use the Premier Credit Card mobile app to see your balance, recent transactions, and payment due date at any time. However, if you prefer to check by phone, the automated system can read your current balance and minimum payment due without connecting you to a representative.
If you need a copy of a past statement or have questions about specific charges on your current statement, a representative can help. They can also explain how charges are categorized, when interest accrues, and how your payments are applied to your balance.
Alternative ways to contact Premier Credit Card
Beyond the phone line, Premier Credit Card offers other ways to reach customer service. You can log into your online account and send a find message to the customer service team, which typically responds within one to two business days. The mobile app also has a messaging feature for account questions.
For billing disputes or formal complaints, you can send a written letter to the address listed on your statement. Written disputes may take longer to resolve but create a documented record. The phone line remains the fastest way to resolve urgent issues like fraud or a missed payment.
Frequently Asked Questions
What time should I call to reach a representative fastest?
Early morning (8 a.m. to 10 a.m. Eastern) and mid-week (Tuesday through Thursday) typically have shorter wait times than late afternoon or Friday. Avoid calling during lunch hours (noon to 1 p.m.) when call volume peaks. If you reach a queue, ask for a callback instead of holding.
Can I make a payment over the phone without speaking to anyone?
Yes. The automated system allows you to make a one-time payment using a checking or savings account. Select the payment option from the main menu, enter the amount, and confirm your account information. Payments typically post the same business day if made before 8 p.m. Eastern Time.
What do I need to have ready before I call?
Have your Premier Credit Card number and the phone number associated with your account ready. If you are calling about a specific charge or dispute, also have the transaction date, merchant name, and amount. If you are reporting fraud, have any unauthorized charges written down with dates and amounts.
How long does it take to resolve a fraud dispute?
Premier Credit Card will place a temporary hold on your account when ready when you report fraud. The formal investigation typically takes 30 to 60 days, though many disputes are resolved faster. You will receive updates by mail or through your online account as the investigation progresses.
Can I request a credit limit increase over the phone?
Yes. A representative can review your account and discuss whether you are may be able to access for a credit limit increase. They will look at your payment history, current balance, and credit report. Some increases are approved when ready; others may take a few business days to process.