First Progress Credit Cards

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.

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.

No, First Progress does not have any unsecured credit cards. This issuer only offers secured credit card options. First Progress markets its credit cards for people looking to establish or rebuild credit.

Things to Know About First Progress Credit Cards

Secured credit cards, including First Progress cards, require a refundable security deposit to open the account. Deposits for First Progress secured credit cards vary by card but can start at either $100 or $200. However, approved applicants can choose to deposit up to $2,000 or $5,000, depending on the card. 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.

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. 

Alternative Unsecured Credit Card Options

Keep in mind that unsecured credit cards for rebuilding credit are saddled with high interest rates and a host of fees. That will take a sizeable chunk out of what will likely be a pretty low credit limit.

Therefore, secured credit cards are the better deal for repairing less-than-good credit. You will have to put down 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.

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.

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.