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1 Star Rating
Terrible.. just terrible.. I made on time payment & they didn't process it, therefore my credit score dropped almost 30 points. All because they dropped the ball.
Product: First Progress Credit Cards
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First Progress Credit Cards
First Progress credit cards are secured cards for people with bad credit, which means they require a refundable security deposit but are pretty easy to get approved for. Some First Progress cards won’t even do a hard credit check when you apply. You can compare the latest First Progress credit card offers below. If you have an existing account with First Progress (a WalletHub partner), you can reach their customer service department at 866-706-5543.
Below, you can learn more about the latest First Progress credit cards and find answers to the most common First Progress credit card questions.
Popular First Progress Credit Cards
- $29 Annual Fee: The First Progress Platinum Elite Mastercard® Secured Credit CardThe First Progress Platinum Elite Mastercard® Secured Credit CardLearn MoreLearn Moreon issuer's website
- $39 Annual Fee: First Progress Platinum Select Mastercard® Secured Credit CardFirst Progress Platinum Select Mastercard® Secured Credit CardLearn MoreLearn Moreon issuer's website
- $49 Annual Fee: First Progress Platinum Prestige Mastercard® Secured Credit CardFirst Progress Platinum Prestige Mastercard® Secured Credit CardLearn MoreLearn Moreon issuer's website
- $39 Annual Fee: OakStone Secured Mastercard® Gold Credit CardOakStone Secured Mastercard® Gold Credit CardLearn MoreLearn More
Below, you can learn more about the latest First Progress credit cards and find answers to the most common First Progress credit card questions.
Updating Results
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR23.74% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
23.74% (V)
annual fee
$29
monthly fee
$0
minimum credit
Bad Credit
Pros
- Low membership fees
- Qualify with limited or no credit history
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
- More Details & Reviews About The First Progress Platinum Elite Mastercard® Secured Credit Card
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR13.74% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
13.74% (V)
annual fee
$49
monthly fee
$0
minimum credit
Bad Credit
Pros
- Low regular APR
- Qualify with limited or no credit history
Cons
- Membership fees
- Foreign fee
- Requires security deposit
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
- More Details & Reviews About First Progress Platinum Prestige Mastercard® Secured Credit Card
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR17.74% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
17.74% (V)
annual fee
$39
monthly fee
$0
minimum credit
Bad Credit
Pros
- Qualify with limited or no credit history
Cons
- Membership fees
- Foreign fee
- Requires security deposit
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
- More Details & Reviews About First Progress Platinum Select Mastercard® Secured Credit Card
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR10.74% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
10.74% (V)
annual fee
$49
monthly fee
$0
minimum credit
Bad Credit
Pros
- Low regular APR
- Qualify with limited or no credit history
Cons
- Membership fees
- Foreign fee
- Requires security deposit
Additional Info
- Credit lines available from $200 to $5,000! Super Low 10.74% variable interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See website for additional Oakstone Platinum Secured Mastercard® details
- More Details & Reviews About OakStone Secured Mastercard® Platinum Credit Card
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR16.99% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
16.99% (V)
annual fee
$39
monthly fee
$0
minimum credit
Bad Credit
Additional Info
- Credit lines available from $200 to $5,000! Low 16.99% variable interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See website for additional Oakstone Gold Secured Mastercard® details
- More Details & Reviews About OakStone Secured Mastercard® Gold Credit Card
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR27.74% (V)
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
27.74% (V)
annual fee
$0
monthly fee
$0
minimum credit
Bad Credit
Pros
- No membership fees
- Qualify with limited or no credit history
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Additional Info
- Full-Feature Platinum Mastercard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application
- 24/7 Online Access to Your Account
- More Details & Reviews About Assent Platinum Secured Credit Card
Featured Credit Cards
Ad DisclosureWant more credit card options?WalletHub makes it easy to compare credit card across many companies.
First Progress Credit Card Reviews
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1 Star Rating
Verified CustomerThey have your money for this card but still charge more interest than other cards. They apply payments 10 to 15 days after you pay on line. Their site is slow and down quiet often. It is a card to get only if you are trying to build your credit rating and then cancel it, once you have.
Product: First Progress Credit Cards
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1 Star Rating
First Progress is terrible. I wish I read the reviews before getting a card with them. I submitted my security deposit, it was taken from my bank, 4 days later they're claiming "they never got the payment" but it's missing from my bank account. I'm now having to send them a bank statement in the mail once my bank statement for the month comes out. I'm out $700! Absolutely ridiculous. Reeks of scam.
Product: First Progress Credit Cards
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Absolute scammers!!!! They did a payment reversal and charged me a bunch of late fees!! Terrible establishment!
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1 Star Rating
Verified CustomerWorst credit card company ever!!!! Back in 7/10/20 I paid this card off in full and closed the account. After the account was paid, they would not credit the account. My personal bank verified with this company they were paid, I also submitted proof of payment via email. I had to fight for a year with this company to finally credit the payment, and now 2 years later they report a $167 balance to my credit report. Claiming it was late fee's that built up while waiting for them to credit my original payment. 2 years later!!!!! They charge me interest on a closed account. When you see this card, run!!!!!
Product: First Progress Credit Cards
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1 Star Rating
Verified CustomerNot worth the hassle. Customer service is a joke. Unauthorized purchases being made they can't stop them. Had to let elapse to cancel it. Can't pay online or have taken directly out of account. To pay over phone coasts an extra 10.00 on top of bill. Only way to pay is mail a check. They are in the stone age. capital one much better.
Product: First Progress Credit Cards
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1 Star Rating
Verified Customerdifficult to contact customer service and confused about name of bank they give me card first latitude bank but I want to check balance i must call (first progress bank)
Product: First Progress Credit Cards
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1 Star Rating
Verified CustomerUnless you’re just starting your credit journey or need to bring your score up for whatever reason. DO NOT get this card. DO NOT! I had approximately 11 credit cards and this was BY FAR the worse. Firstly, they do not have an app to take payments, yes that means no mobile payments. Have a desktop you would like to make payments from? They don’t take online payments from their website. Want to make a payment over the phone? They charge you $10.00. They have annual fees with no reminders, they have no paperless billing, they’re secure card only. I used them for 2yrs, you can only pay by check or billing through your bank (if your bank does that). After building my credit portfolio never missing one payment I called to cancel the card and recoup my deposit and they decided to put a smug on my credit reporting that I missed a payment (annul fee). After much dispute with they’re call center I gave up and just asked for my money back. They said it would take 10 weeks and that it would come through the mail…it’s been 12 and still waiting. Do yourself a favor and avoid these people.
Product: First Progress Credit Cards
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1 Star Rating
I'm trying to build credit and FirstProgress charged me for a credit application $29.95.
They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help cannot deal with applications at all, they have no ability to help.
They said to post the info. I post the info and got no response.
I called several more times and was told to just send more letters. I sent another letter and got no response.
The application status page says "We are unable to provide you with additional information about your application at this time. Please contact 1-888-403-4783 if you need assistance."
I've spoken with them and they cant help or do anything. At this point, they have charged me $29.95 for an application and are now ignoring all correspondents from me.
They have stolen my money. Also, the $29.95 was to get a fast application. I already have a credit card with other people now as this process has been going on for weeks and weeks
They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help cannot deal with applications at all, they have no ability to help.
They said to post the info. I post the info and got no response.
I called several more times and was told to just send more letters. I sent another letter and got no response.
The application status page says "We are unable to provide you with additional information about your application at this time. Please contact 1-888-403-4783 if you need assistance."
I've spoken with them and they cant help or do anything. At this point, they have charged me $29.95 for an application and are now ignoring all correspondents from me.
They have stolen my money. Also, the $29.95 was to get a fast application. I already have a credit card with other people now as this process has been going on for weeks and weeks
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4 Star Rating
Verified CustomerThis card has been seemless and easy to use. It has been a welcome addition to my credit card portfolio. As I rebuild my credit, this card was simple to acquire and easy to use.
Product: First Progress Credit Cards
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1 Star Rating
Verified CustomerDo not get a credit card with First Progress. I got a secured credit card with them while trying to rebuild my credit and quickly realized that I was rarely able to use the card for purchases due to “glitches” that would require you to call the company in order to have them fixed. I think I made one purchase on the card before I got tired of dealing with the glitches, so unfortunately all the other payments made were to cover their service fees. Also, there is no online payment system so you have to call the company many days before the due date to schedule payment. One of the payments I scheduled with them through their phone service mysteriously never went though. So on top of paying their late payment fee, I also have a late payment on my credit report for that. This card is a scam.
Product: First Progress Credit Cards
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First Progress Credit Cards FAQ
Get answers to your questions about First Progress Credit Cards below. For more general questions, visit our Answers section.
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What credit score is needed for a First Progress Credit Card?
5
UpvotesReply
Maria Adams
There is no credit score requirement for a First Progress credit card, as all its credit cards accept applicants with bad credit (300+).
If you qualify for one of their secured credit cards, you would also qualify for any of their cards.
So, these are very lenient credit score requirements, but you will have to live with an annual fee. There are some secured credit cards, though, that do not carry this burden. Ultimately, you can check out our editors' latest picks for the best secured credit cards in the market.
How can I pay my First Progress Platinum Select card?
1
UpvoteReply
Maria Adams
The easiest way you can pay your First Progress Platinum Select is either online or through the mobile app for Android. Alternatively, you can make a payment over the phone at (866) 706-5543 or by mail. First Progress does not allow cardholders to set up automatic payments.
Ways to Make a First Progress Platinum Select Payment
- Online: Log in to your online account and click on the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from.
- Through the mobile app: If you are an Android user, log in to your account and select your card, then tap the payment button.
- Over the phone: Call (866) 706-5543 and enter your card information when asked. Then follow the prompts to make a credit card payment.
- By mail: Send a check or money order (but not cash) to:
First Progress Card
P.O. Box 84010
Columbus, GA 31908-4010
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Write your credit card number on the check, too.
Does First Progress have any unsecured credit cards?
6
UpvotesReply
Bogdan Roberts
No, First Progress does not have an unsecured credit card. This issuer only offers secured credit cards. First Progress markets its credit cards for people looking to establish or rebuild credit.
Secured credit cards, including First Progress cards, require a refundable security deposit to open the account. Deposits for First Progress secured credit cards start at $200, but approved applicants can choose to deposit up to $2,000. The amount of the deposit determines your initial credit limit, and also serves as collateral for the issuer, should you default on the account. You'll get the deposit back when you close the account with no outstanding balance.
Alternatives to First Progress Unsecured Credit Cards:
If you're not set on First Progress as an issuer, there are other credit card issuers offering unsecured cards for people who want to repair their credit.
- No Upfront Fees: Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
- High Approval Odds: Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
- Rewards: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Keep in mind that unsecured credit cards for rebuilding credit are saddled with high interest rates and a host of fees including annual fees, processing fees, and one-time "set up fees". That will take a sizeable chunk out of what will likely be a pretty low credit limit.
That makes secured credit cards the better deal for repairing less-than-good credit. You will have to front your own money to open the account, but it's money you'll get back if you use the card responsibly. If you establish a history of timely payments, you may receive a credit limit increase or be eligible to transition to an unsecured credit card with better terms.
How do I cancel my First Progress credit card?
3
UpvotesReply
Evelyn Boros
You can cancel your First Progress credit card by reaching a representative from your online banking account or by calling (888) 403-4783.
Make sure to pay down any outstanding balance you might have on the card before canceling to receive your security deposit back in full. Otherwise, you might only get a partial refund or none at all. If you do qualify for a refund, you will receive it within 10 weeks of closing the account.
How does the First Progress late payment forgiveness work?
6
UpvotesReply
WalletHub
There isn't such a thing as a First Progress late payment forgiveness.
First Access states in the card's Terms and Conditions that if they do not receive at least the minimum payment due by the due date shown on your monthly billing statement, you will be charged a late payment fee.
If it's the first occurrence however, you can try calling them to see if you can work something out, at (888) 267-7980.
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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