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First Progress Q&A(370 questions)
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Does First Progress have any unsecured credit cards?
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.
How do I cancel my First Progress credit card?
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 can I pay my First Progress Platinum Elite card?
The easiest way you can pay your First Progress Platinum Elite is either online or by phone at (866) 706-5543. Alternatively, you can pay by mail. More specifically, you can make a First Progress Platinum Elite payment:
- Online: By creating an online account, you will be able to review, manage and pay your First Progress Platinum Elite bills online.
- By phone: You could also call (866) 706-5543 or the number on the back of your card.
- By mail: Ultimately, you can pay your credit card bill by mailing a check to the following address:
First Progress Card
P.O. Box 84091
Columbus, GA 31908-4091
How do I cancel my First Progress Platinum Elite credit card?
To cancel my First Progress Platinum Elite credit card, call customer service at (866) 706-5543 and ask a customer service rep to cancel your card account. First Progress does not allow you to cancel an account in person or by mail.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your First Progress Platinum Elite card.
How to Cancel Your First Progress Platinum Elite Credit Card
- Call customer service at 1 (866) 706-5543.
- When asked, enter your account number and Social Security number to verify your identity.
- Follow the prompts to speak to a customer service representative, and let them know you want to cancel.
The representative may offer you a retention bonus to keep you on as a customer, but you can simply decline the offer and proceed with canceling the account.
It's important to know that when you cancel a First Progress Platinum Elite card, you may see a decrease in your credit score, depending on the card's credit limit and how long you've had the card. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub's free credit score simulator.
Is the First Progress Platinum Select card a good credit card?
First Progress Platinum Select is a good card if you have no credit or bad credit.
It helps you build credit history by reporting to all three major credit reporting agencies. With that said, like most secured cards, the First Progress Platinum Select does require an initial security deposit, which becomes your credit limit.
The only major downside is the annual fee. You can find better alternatives without annual fees, such as Capital One Quicksilver Secured Cash Rewards Credit Card and Bank of America® Unlimited Cash Rewards Secured Credit Card.