Overall card rating

2.6
127 Reviews
from Credit Karma members

Most helpful positive review

Aug 31, 2021
I haven't had any problems with payments
Credit Karma Member

I applied for this card, was approved quite fast, put my deposit down, got my card in the mail, used my card and went ahead and made an online payment before I got my bill in the mail after doing that it showed up on my credit report as being on time paid and 100% paid off. Then I use the card again and now my statement is showing a minimum balance of $38 too which is great my credit score has jumped up 68 points in 2 weeks!!!!

Helpful60
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Most helpful negative review

May 20, 2021
The most worst secured credit card
Credit Karma Member

Guys i had a very bad experienced with card company be careful they are not helping to build your credit but they’re trying to push down your credit in a bad light. I put $200 deposit but i spent $60 dollars you have to pay $25 but in making payment to have to send your check payment because they dont have payment online. If they get you payment on time by midnight you already on credit bureau the next and reported as Late payment and also you will get $40 late fee. They are very fast in reporting you but their service was awful. After i how many months of ruining my credit i decided to canceled it. They said i can get my deposit in 2months.

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Member ratings

Application process
Customer service

All member reviews (127)

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Mar 12, 2023
The Absolute Worst!
Credit Karma Member

This is the worst card I've ever had. I despise it soo much. Don't do it. First Progress is terrible

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Mar 09, 2023
Horrible!
Credit Karma Member

I cancelled my card do to the high interesrrates! They did not return my original deposit, even though I had paid off completely. The sent me a check for $6.00. I reported them to Ohio Attorney General office. I have heard nothing back from First Progress about my refund.

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Mar 04, 2023
Great Card !
Credit Karma Member

Applied Got approved no deposit with 546 credit score. Has helped rebuild my credit

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Feb 22, 2023
Charged twice for deposit
Credit Karma Member

I paid $1000 for the deposit and was charged twice. Now the only way I can get a refund is to send a letter and wait for then to "research" it. I'm now opening a case with small claims and BBB. This is a completely predatory and dangerous business. Customer service was rude and incompetent.

Helpful4
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Feb 14, 2023
Easy and straightforward
Credit Karma Member

This card is simple. You submit a deposit. It takes a couple weeks for your card to come in. If you pay your bill before they apply the interest you only pay what you have spent. If you wait to pay on the due date you will pay interest. If you don't pay your bill then your credit will be knocked. So it's simple. I have had no problems.

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Dec 02, 2022
Worse card
Credit Karma Member

After I paid my entire balance it took like three weeks before it showed that it was paid! Very bad card there are much better cards to build your credit!

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Nov 25, 2022
Nonsense company
Credit Karma Member

Called to explain that the charges were not mine. Received a new card and even spoke with the security department. It has been over one month and the matter has not been resolved. So, now taking more time out of my schedule, I forced to write a letter explaining once again that the charges are not mine. Stay away from this company. They are a waste of time.

Helpful9
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Jul 21, 2022
Helps getting your credit started back.
Credit Karma Member

They are slow but they work with you and help you get your credit back right. It also help getting your credit started.

Helpful13
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Jun 09, 2022
Helped my credit, but....
Credit Karma Member

I paid a $500 dollar deposit, paid the card off regularly, it did help my credit. I decided to close it because I had better offers at other card services, I paid it off and closed it. They wouldn't refund my deposit.

Helpful32
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May 30, 2022
run away, dont waist your time
Credit Karma Member

Run, Dont walk away from this card. I just canceled my account with this card. They had online bill pay for about 10 min. Now you have to set payments up through your bank to pay your bill. Checking account only. If you call them to make a payment they charge you $10 to do so. Getting the card only raised my score a few points. If you have no other options and have to get a secured card PLEASE dont choose this one. They are a huge pain to work with!!!!

Helpful45
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1-10 of 127

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