I've had this card for about 4 months now. I try to keep my balance low and pay it down to 30% utilization or less each month. I like to carry a balance of some sort into the new month so it shows some utilization. My score has went from around 420 to 577 in those 4 months. I've also had 2 collections fall off my account in that time. Looking forward to it continually increasing so I can apply for non-secured cards. May also add another of these soon so my score will increase faster.
Payments are quick and easy! I use my bank's online bill pay and payments are sent electronically to First Progress - posting the next business day. Super convenient!
Also - once I made the deposit, I had my card within 10 business days, so seemed pretty fast compared to what others have reported.
I haven't needed to use customer service yet - so I don't have a comment/opinion on how well it is. Overall I really love the card for what it's doing for me and the purpose I needed it for. A+ Would recommend.