What to Do When You Can’t Pay Your Centennial Credit Card Bill
The Centennial Credit Card is offered by South Dakota based bank First Premier. As one of the region’s largest financial institutions, First Premier assists millions of customers reestablish your credit. With such a focus on the customer, the Centennial credit card provides assistance programs in the event customers can’t pay your bill.
How to Pay the Bill
The available payment methods of the Centennial Credit Card include:
Pay online: Customers can pay your Centennial Credit Card bill online by visiting https://www.mypremiercreditcard.com/. Online bill payments are free for the first two months your account is open. Your account is assessed a convenience fee of $4.95 each additional month.
Pay by phone: Call 1-800-987-5521 to make a bill payment by phone.
Pay by mail: Send your monthly payments to:
First Premier Bank
P.O. Box 5524
Sioux Falls, SD 57117-5524
Automatic draft: Have your monthly bill payment directly debited from your bank account by signing up for automatic draft. This service allows customers to make a bill payment without incurring late payment charges.
Pay in person: You can pay your bill in-person at the following locations:
First Premier
3820 N. Louise Ave.
Sioux Falls, SD 57107
Or
First Premier
1400 Mickelson Drive
Watertown, SD 57201
Or
First Premier
800 Cottonwood Lane
Dakota Dunes, SD 57049
Or
First Premier
1000 18th St. SW
Huron, SD 57350
Questions About Your Billing Statement or Account?
Customers that are approved for a Centennial Credit Card will notice several service charges and fees that are assessed to your monthly billing statement. The company publishes the fees, but customers may not be able to fully understand all of the applicable charges. If you need the terms and conditions explained, you should visit the Centennial Credit Card Fees and Rates page. Do you need additional information regarding your account? Call 1-800-987-5521.
How the Penalty Fees Work
Customers should be aware that there are several service charges and fees associated with the Centennial Credit Card. With a credit limit of only $300, the fees could potentially exceed your balance. The charges include:
- APR – 36%
- Processing fee – $95
- Annual fee – $75 (year one); $45 (each subsequent year)
- Monthly service fee – $6.25 ($75 annually)
- Cash advance – 5% of the transaction amount or $6
- Foreign transaction – 3% of the transaction
- Late payment – $35
- Returned payment – $35
- Express delivery – $35
- Wire transfers – $5
I Can’t Make a Payment
When customers can’t pay your bill, customers can benefit from the services available from the Centennial Credit Card. The available services include:
- Payment plan – Customers simply contact customer service at 1-800-987-5521 and place your past due balance on a payment plan. You will then pay your past due balance as set forth by the terms of your payment arrangement.
- Extended due date – Change the date your payment is due, allowing you to pay your bill in a timely manner. You can change your due date up to 10 days past the original due date.
Will They Work With Me to Pay My Bill?
Did you receive the assistance you expected when you can’t pay your bill? We want you hear your positive and negative experiences.
