First Progress Platinum Prestige MasterCard® Secured Credit Card

It takes one second for them to ask for deposit then 3 day to approve 3 days after that your card is made 7 to 20 business mailing days after that you still dont recieve **** but the run around. **** this card They full of it been waiting 17 mailing days for my card yook my money fast as **** even fast sending me notices about approval sent my pin sent me change of address conformation i didnt apply for no one that answer the phone knows **** about the policies just reading a **** script csnt build with what i dont have this 3 day is a joke

Can make your deposit payment from a debit card but you have to pay by check money order online bill pay or payment agent for your monthly payment. Also I wrote a check for my total bill mailed it to them they got it the check cleared my bank account on the 6th. They just posted it to my account yesterday the 16th. When I called to ask why so long. They said it's policy for funds to be held for 10 days. My deposit wasn't held for 10 days why should payment.

Awesome starter card....i have had it 5 months and it's brought my score from a 520 to a 618 in just 5 months awesome for rebuilding credit.

When I received this card it was after a divorce and my credit took a hit. Once I received the card and activated it with a balance my credit score increased greatly.  I used my bank banks bill pay and set up auto payment for the card and I didn’t have any issues.  I always got through to customers service almost immediately every time I called. Great Card.

YOU NEED TO READ THIS IN ITS ENTIRTY!!

   The balance reports to the credit bureaus prior to the card ever arriving at your door and you having a chance to pay the balance. Lets say your application is approved on January 1st, once your application is approved you have an immediate balance due of the $49 which is the annual fee. Reporting date is the 21st of every month. You recieve your card on the 24th because it takes forever to arrive (even with the expedited option). No worries because your bill isn't due until the following month on the 18th which is standard for everyone. Until you realize that your account was reported to all 3 major bureaus a few days before you ever recieved the card. 

Why not just pay the balance before it reported?

Because your account number is your CC number and you can't pay without your account number. There are no other options period. You must wait for the card to arrive in the mail in order to make your payment. 

Keep in mind the minimum balance you can open the card with is $200. Now $49 out of $200 is roughly equal to 25% credit usage (Experts say keep it below 30% but 0% is WAY better) which is what was reported to the bureaus. My goal was to keep my credit usage at 0% for an excellent rating and sustain this permenantly to help build my credit.

I had just gotten my Transunion score to 611 and after a month or two I decided to give this a go to continue building my credit score. Well when that 25% credit usage reported to the bureaus that score went from 611 to 505.

First Progress markets their product as credits builder cards but they damage your credit even further setting you back months, years, $100's or even $1,000s in debt payoffs or credit repair expenses.

I decided to write them and request that the first reporting date be removed from the bureaus since I wasn't provided an opportunity to pay the balance all due to the card not arriving with the in"

If you want to build your credit this card will help soon as I got mine my score went up over 30 points before I even added the deposit on it to use and it is easy to make a payment to be on time you will need to go to like a western union or Walmart don't pay by check but if ur bank allows you to pay bills online for you then make sure its making the payments as debit not check....overall this card is very helpful and I recommend it to for anyone who has bad or no credit.....👍💳

My credit score went up over 40 points after my first payment reported. I’ve had this card for a few months now and I have noticed my credit score gets the best increase when I pay the monthly bill in full and stay under 25% of the limit. I started with a credit score of 550....hopefully I’ll be in the mid 600s within the next 6 months.

First thing is set up bill pay that way it took a day or two and my bill is paid... my credit score went up 35 points with the first card iam applying for another to see what happens.... I did go over the 30% a little.. but other than that great card

Wanted proof of ID AFTER paying 2 payments. Can take up to 10 weeks to send me my check.

Good card to have. No issues. Have had for several years.

They make it hard to pay your bill forcing you to be late and fee you to death.website is shows wrong info.said my card was paid off in good standing.was declined and find out it was closed months before even tho they say over the phone its open...theifs.do not get

The card does build your credit BUT it’s a pain. They said my payments were late twice when in fact they were on time. The first three months I didn’t have access to my card until I paid $100. Hadn’t even used the card yet and it had never even had a chance to be late. So that was bs. After paying that AND payments after, my score increased 30 points. And making payments is also a hassle and takes way to long for them to report it to your account.

I don't know what the others are talking about because this card is good. I checked my account everyday because I want to rebuild my credit score. I never was charged no $20 before I got the card. In addition over the period of three months my score increased. My credit age of getting better and I don't pay the minimum I pay the full amount. Hopefully in six months my 543 will be in the mid 600.