I just typed a mega post about this card. With tons on information for folks that had questions like I had and couldn't find. Apparently it took me too long to post it because when I went to post it, it asked me to re-login and the whole thing was lost. So I'll try to sum up real quick.
This is a great card to build your credit if you have none or if your credit is bad. It is a god awful card for people that can qualify for a nonsecured credit card. I applied for the card late friday night (actually 3am Sat) I received it the very next Thursday. I paid an extra $40 to have the abliity to fund the account with mulitple payments over 6 months. I ended up paying it in two $200 payments online with a prepaid card before I even received the card. If you are leary about sending 400,500 or even 1000 dollars to strange company you've never done business with then this may be a good option for you. You'll actually receive the card before you've funded it. The card will be active and able to be used the next business day after you finsih funding your account. $40 bucks is $40 bucks, but it's not bad insurance if you are worried about having hundreds of dollars tied up before you get your card.
Customer service: They don't want people to have their number. It's almost imposible to find their number if you are not already a customer. If you are a customer it's mearly difficult to find their number. They don't want to field calls or offer anything to you for being their customer. I get it. They are in a high risk credit industry, but it still sucks. I'll post the number and other information at the bottom of this post. They are closed on Sundays. You will get a generic voice mail that basically says "we are closed, call back when we aren't closed." No company name, no hours of operation.
When they are not closed I've never had to wait on hold more than 30 seconds. Both times I spoke to a male from the the southern united states (I'm assuming Georgia). He was polite and helpful. That was nice.
Making payments. Checks take 10 days to post and online payments take 5. They say they need this time to make sure the funds are available. That BS. It doesn't take that long. This isn't 1976 its 2016. But whatever. It's their world, we just live in it. The quickest way to make a payment is MoneyGram ExpressPayment Service. It cost 5 bucks, you can do it at Walmart. It should post the next business day. I've done it twice on a Friday. Once it posted Saturday afternoon the other time it took till Monday. Moneygram confirms they got the money within minutes but it still takes a bit to post. This is by far the quickest way to pay.
The only reason it's worth paying paying with Moneygram is to get a payment in before your bill is generated. When your bill is generated they also report to the credit reporting agencies. So if you are trying to keep your "credit utilization" down or need to make a payment the day before it is due then MoneyGram is a fantastic option. It also allows you to have access to the money you paid a lot quicker than mailing a check or paying online. There are situations where this will be useful to some. It sure is to me. My bill is generated on the 23rd of the month so I send in enough to pay it down to less than 10%. When they report my account to the credit agencies it shows me having a balance of less than 10%. This is a good thing.
Since I paid the extra $40 to fund my account in instalments they reported to the credit agencies before I actually got the card. It only took a week to get the card but when I checked my credit the day before I received it my credit score zoomed up. It showed I had a $400 credi line and was using $29 of it. My score went from a 508 to 625 on one and from nothing (thin file) to a 671 on another according to CreditKarma.com. I was stoked. I'm still stoked. You will be stoked!
As you can see they don't really bend over backwards for you and they don't try to lure you in with rewards and such. They provide a service and they expect to be paid for it. It's a marriage born out of circumstance. You get what you need, they get what they need. As soon as one doesn't need the other you should get a divorce.
One nice thing about them is the ease of getting another card. Having multiple accounts and more avalible credit (with good utilization) will help your credit. At first you get their basic card. The only thing different that I have found is the interest rate. You shouldn't even be worried about interest since you should be paying it off everymonth, but less intrest is better than more. The first card is 19.99% apr but you are automatically qualified for their two other cards, the lowest having an 11.99% apr though the annual fee is a bit higher. I will probably do this as my next stepping stone towards obtaining an unsecured credit card with benifits.
Their phone number is 877/724-0928
If you are going to use MoneyGram ExpressPayment this is the info you need:
Company Name: FIRST PROGRESS CARD-NXTDY (you don't need the nxtdy but that's how it appears on the receipt)
Receive code :1461
City and State: Columbia, Georgia
You will also need your 16 digit card number. This is also your account number
Hope this helps someone. I was leary before I got it and had a lot of questions I couldn't find answers to. I'm glad I took the plunge. I'm really excited about making progress on my credit report. This has been the single best thing I've done for my financial situation. I've recomended it to many freinds and family member and do so with out hesitation.