First Progress Credit Card

Picture of Item Reviewed
11 Reviews
Consumer Rating:


Apply Here 4.2
Lowest:
465
Average Score:
509
Highest:
558
All
5 Star
27%
4 Star
63%
3 Star
9%
2 Star
0%
1 Star
0%
HPCurve 
Credit Score: 539 Credit Limit: 500 Age: 35-44
Posted 09/04 2017
Overall Rating:
I applied for this card to rebuild my credit. When I applied, I chose the fund later option but when I checked my credit score a few days later, I found that they already "reported" and my score jumped 60 points! Overall, I would say this is a good card but for a few things. So let's get this out of the way.

I do not think they put a phone number on their site. But it is on your card! Customer service is inconsistent. Sometimes, they answer the phone after only 3 rings while at other times, it seems you have to leave a message. I also have had payment hold for 10 days. The card also took quite a while to arrive. The website and your 'statements' can look confusing at times.

But other than that, this card has been great. I have never been rejected at a store. I have used it at the pump and to rent cars, all with no problems. Most importantly, my score has steadily increased with using this card. So it does serve it's purpose and I would recommend it.
Lindsay 
Credit Score: 465 Credit Limit: 400 Age: 25-34
Posted 07/26 2017
Overall Rating:
I applied for this card and opted for the expedited route ($20 charge) and it was delivered within a week. There is a hard pull (some folks think there is no hard pull). I put $400 as deposit.

They do report to all three bureaus and like many here, I noticed a bump in my scores not long after I got the card. I have no problems using this card and unlike others, I have never faced a long 10-day hold on my payments. A couple of days tops.
Casey 
Credit Score: 556 Credit Limit: 300 Age: 35-44
Posted 06/17 2017
Overall Rating:
I applied for the expedited process and got my card within 10 days. I started off with a $300 deposit and limit. So far so good as far as the card is concerned.
Tip 
Credit Score: 485 Credit Limit: 300 Age: 25-34
Posted 03/02 2017
Overall Rating:
Here is a very important tip. Do not use a forwarding address. I applied for the card and put in my forwarding address. I was told I was accepted but I did not receive my card for a very long time. I finally managed to reach customer service and they told me the reason was that they do not send to forwarding addresses. Many folks complain about not receiving their card and I believe this is perhaps the culprit.
Greg 
Credit Score: 504 Credit Limit: 500 Age: 35-44
Posted 02/21 2017
Overall Rating:
I got this card as part of my rebuilding process. I went through the normal application and did not opt for "expedited". Took about 3 to 4 weeks from application to getting the card.

One of the reasons I got this card was you can use it to rent a car and I managed to do that twice with no problem. It does not have the auto insurance features that many credit cards have so I had to pay collision damage insurance and rely on my own auto insurance as well. I have also used this at a few different gas stations with no problems at all.

My credit scores have improved by over 100 points over a period of a year and a half.

The only thing I do not like is that the website and transactions posted there needs improvement. Sometimes, I think it is not accurate and I have to call customer service to verify and they always have the correct info.
Susy 
Credit Score: 503 Credit Limit: 300 Age: 25-34
Posted 10/03 2016
Overall Rating:
This card was easy to get approved. After using it for just 4 months, my score jumped 70 points. All I did was spend $40 a month on the card and pay it off earlier. It is quite frustrating that there is a 10 day hold on your payments. But as long as you do not go anywhere close to your limit, you should be fine. But this card has definitely helped my score so I'll live with that.
Ray 
Credit Score: 558 Credit Limit: 300 Age: 25-34
Posted 07/27 2016
Overall Rating:
I have had this card for over a year. My made some mistakes in college and got this card to rebuild. I deposited just $300 and used about $70 a month - stuff like gas and eating out. I always pay it off in full at the end of my billing cycle.

My credit is now great and I have this card to thank for. Some folks have some complaints but for me, this card worked out well.
Alexa 
Credit Score: 495 Credit Limit: 300 Age: 35-44
Posted 06/19 2016
Overall Rating:
I have had this card for over 2 years. I started out with a $300 deposit and put about $50 a month on the card with stuff like gas, netflix etc. I always paid ahead of time and in full. After 6 months, my score improved by about 80 points.

My score has been steadily improving over the last 2 years and it is now in the 700s. Everything has worked out well with this card except the following. When I finally cancelled the card, it took them 70 days to refund my deposit. That is a pretty long time if you asked me. Still I would recommend this card if you are looking to rebuild.
joey 
Credit Score: 470 Credit Limit: 400 Age: 35-44
Posted 03/13 2016
Overall Rating:
I damaged my credit because of my business and had to rebuild. I got my card when my score was 470 and put $400 as deposit. I chose the "fund later" option and it turns out that even if I have not deposited the money, First Progress reported it to the credit bureaus and my score increased 50 points after the first month! I also found out that it reported as "credit card" and not "secured". I was also able to rent a car with this card. This is quite important to me as I also had a card (continental finance matrix) which I had difficulty using it to rent a car. I would certainly recommend this card.
BL90 
Credit Score: 529 Credit Limit: 300 Age: 25-34
Posted 01/31 2016
Overall Rating:
The reason I got this card was simply to rebuild my credit. I was approved and deposited $300 to fund the account. Once the deposit cleared, my score went up 60 points! I have been using it every month and paying it off in full. When I pay my bills, I notice that it takes 2 days to clear. I also found out that on my credit report, it reports as "credit card" and not as secured. For those of you who are picky over this, then you will be glad to learn First Progress reports as a regular credit card.
Maddy 
Credit Score: 495 Credit Limit: 500 Age: 25-34
Posted 11/04 2015
Overall Rating:
When I got this card, my score was 495. I put a $500 deposit. I did not choose the fund later option but instead I funded immediately. As far as using this card is concerned, it is very good. I have never been turned down anywhere. I have used it at gas stations, to rent a car and do online purchases and never had a problem.

The other nice thing about this card is that they report as a regular credit card and not secured. I also found out that you can fund your account with a credit card. I did it when I increased my limit and deposit and earned some points!

Customer service however, is a little sketchy. It was hard to find any email and the phone answering is kind of amateurish. The website is not exactly intuitive. But I give this a 4-star rating because it does what it is supposed to do - which is to help you rebuild your credit.