The application process was quick and easy. Boosted my credit INSTANTLY by 30+ points within a week of approval. They do however take their annual fee upfront from your balance BUT that kick-starts the credit boost.
Please stay away from this credit card company.
I submitted a payment and it was reported late eventhough I made the payment on time.
There's a reason they're getting so many negative reviews,
Please stay away
These reviews were written by current and former cardholders in the last year.
Sample Size: 1,844
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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HORRIBLE
THE CUSTOMER SERVICE HORRIBLE. THEY DO NOT HAVE A EFFICIENT PAYMENT OPTION SO YOU ARE ALWAYS CONFUSED AS TO IF THEY RECEIVED YOUR PAYMENT OR NOT AND I THINK ITS ON PURPOES TO CONFUSE YOU. DO NOT APPLY FOR THIS CARD THEY ARE CROOKED AND I CAN NOT PIN POINT IT BUT I DO NOT TRUST THEM AT ALL. I AM PAYING THEM OFF AND CUTTING THIS CARD UP FOREVER!!!! THEY TAKE TO LONG FOR FUNDS TO CLEAR TO GET YOU CAUGHT UP IN LATE FEES ITS A TRAP!!! DO NOT DO IT TO YOURSELF USE A WELL KNOWN COMPANY LIKE DISCOVER OR CAPITOL ONE NOT THESE GUYS!!!!
Getting this card is easy. Will boost your score at first but after that it’s a nightmare! They make it very difficult to pay your bill every month. You can only pay by check through the mail. Then they hold it for 10 days before they actually credit your account. I’m lucky if I even get a bill every month. Usually it’s like every other month that a bill actually shows up, so I end up just sending a check with my account number on it to pay my bill. They’ve on more then one occasion reported my account as past due. It’s like they purposely try to make it hard to pay your bill on time just so they can charge you and report you to the credit bureaus as a late payment. Don’t bother getting this card. It’s more of a headache then a help to your credit score.
Very difficult.
I had this card years ago trying to improve my credit. While it did that, everything about this company was difficult to deal with. Customer service is poor, website was outdated and payments were confusing and very difficult. Sometimes it would come out of my account and other times it didn't. I wouldn't recommend them. Look into other programs.
Horrible payment system
This card only helped my credit after the initial opening of the account. First thing you can only pay by mail or have your bank do bill pay. So you can’t use our debit card or by cash for faster processing. My bill is due in the 12th I submitted my payment on the 5th took 5 days to show as a ending payment on the website but still no available balance update for another 3-5 days. So it ties up your money and eventually you have a late payment. I closed the card after 2 months. They told me it takes 14 days to get my money back and if I want it expedited I needed to fax in my request and it would come in 10 days vs 14. WAY TOO MUCH OF A HEADACHE FIND ANOTHER CARD.
I wouldn’t have given it a star but you have to Where to start do not I repeat do not sign up with this company you want to talk about bad I called because they charged me a late fee when I was never late I call them and they acted like it was my fault never got a pass for that then to cancel the card it take up to two weeks to cancel it plus another 10 WEEKS TO GET YOUR MONEY BACK!!!! It didn’t take no two weeks to take my money save your self go with the discover it card to rebuild this place should be shut down
Not good
Where do I begin. Most of the customer service folks are hard to understand. Somehow my bill pay for was reversed back to my bank and First Progress didn’t notify me. Thankfully I caught it before my due date. However I they put a hold on my account and charged me $10 to take an over the phone payment with a check. They don’t make it easy it pay like most other credit cards. Don’t go for this one.
Helps credit.
Had 2 of the cards with different APR and annual fee. But closed 1. Help my credit a bit. Not a bad card.
Type your answer better. However. Your broken English isn't that hard for me but excruciating for othere yo understand.
So is this a credit card or using your 200 limit?
LYING TO GET YOUR MONEY!!
CALL THE BETTER BUSINESS BUREAU (BBB.) THEY WILL DEFINITELY INVESTIGATE THIS FRADULANT SITE!
Hate it, Don't Get this Card
I have this card I cannot stand dealing with these people they have non-existent customer service nobody answers their phone. Every month they keep changing my address to my fathers forwarding address because he shares the same name as me I've told them three times my address has not changed but they keep changing it and mailing my mail to a different address never get my bill on time and it's causing me lates constantly it's on my credit report
Do not. Do not get this card
The worst car to ever. Payment Processing absolutely sucks. They do everything they can not to help you rebuild credit but to make your score worse. Look at the reviews that should tell you everything