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.
One of the worst cards I ever have the customer service is horrible and you can be locked out for no reason I had to go fax many documents to prove my identity everything is so inconvenient I prefer my capital one so much better and easier
These reviews were written by current and former cardholders in the last year.
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Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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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.
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
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
Runaway as FAST as you can
I submitted 2 applications and received 2 secure cards. Company never sent secure cards. Payment was sent and expressly detailed where to direct the funds but the company appropriated the funds into the wrong account. Due to this, the company charged me a late fee on an annual fee and would not remove it. A free that that was funded for $200 ended up showign over $100 in fees after a few months. What a RIP OFF. I ended up closing both accounts.
Hassle
This company makes it as difficult as possible to make payments. They have an online customer account access, yet you cant actually " do" anything with your account online. You cant make a payment online, and the ONLY options are to go through a difficult process through your own bank to try and set up payment accts for online bill pay..but you cant change the date or make a payment through this system when you want too. There os no freedom to make payments early and once you set the date, it wont allow you to make any payments except on that particular day. The only other option is to call into the customet center...and get charged a 10$ fee to make a payment over the phone, that ALSO puts a 10 plus day hold on your funds and payment processing. I would not reccomend this card company....i will be shutting it down soon and getting other credit cards to build my credit.
It was worth the hassle for a while STRICTLY to build up my credit, but Im free now and my credit is better so I qualify for othet cards I can continue to build with that make it easy to make payments so I can make them on time without all this extra hassle.
Agreed. Very difficult to make a payment.