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First Progress Platinum Select MasterCard® Secured Credit Card

first progress secured credit card Sponsored Card
Required Credit Score:
Fair, Limited History, Bad
Minimum. Security Deposit:
$300
3 1,356 reviews   Write a Review!
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First Progress Platinum Select MasterCard® Secured Credit Card’s Key APRs & Fees

  • ONE-TIME FEES None
  • ANNUAL FEE $39
  • MONTHLY FEE None
  • REGULAR RATE 14.99% (V)
  • GRACE PERIOD 25 days

First Progress Platinum Select MasterCard® Secured Credit Card’s Highlights

  • Full-feature Platinum MasterCard secured credit card.
  • No credit history or minimum credit score required for approval.
  • Monthly reporting to all 3 major credit bureaus to help build credit.
  • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
  • Deposit held at FDIC-insured bank.
  • 24/7 access to your account online.
  • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
  • Receive your card more quickly with new Expedited Processing option.

First Progress Platinum Select MasterCard® Secured Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • FOREIGN TRANSACTION
    FEE  
    3%
  • SMART CHIP   No
  • CASH ADVANCE RATE 19.99% (V)
  • CASH ADVANCE FEE 3% (min $10)
Apply Now
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secure site
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First Progress Platinum Select MasterCard® Secured Credit Card Reviews

 
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3.1
Overall Rating: 3.1 / 5
Total Ratings: 1356
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Nov 1, 2014
Photo of Homer R.
2
By:
Nov 1, 2014
First Progress is terrible. I have been using the card for several years. I was in the habit of paying them through their online check payment system. Today, I went to make my payment online to avoid paying late. It would not work. Their website appeared broken with no message telling why. I had to call customer support which informed me that this 'feature' was no longer available. No warning was given to me that this would be discontinue. I think they have a hidden agenda of making their customers pay late. Over a month ago, they sent me two new cards due to some sort of security breach on more
Oct 23, 2014
Photo of Stephen D.
1
By:
Oct 23, 2014
Worst card EVER!!!!!! The customer service is pretty much non existence. They are just horrible.... Then on top of that it seems every time i did call i was placed on hold or the phone just "magically" disappeared. And they always direct you to mail... not EMAIL but postal service mail customer service. The interest rate DRASTICALLY increase. This is suppose to be a starter card to establish or reastablish credit but what it is is just damn near loan shark, title pawn status. Hell for how they treat you and charge interest you might be better off taking a loan from big tony in the back of a wine more
Sep 19, 2014
Photo of Matthew M.
1
By:
Sep 19, 2014
Do NOT bother with this card, I've had it for almost three years and the just NOW 9/19/2014 took away the online payment option so you HAVE to mail a check or use billpay which takes longer. This card is for rebuilding credit, you need faster payments to do that to show up in time otherwise it goes against you. There is no email or real phone number for customer service, the number on the back of the card is for mastercard only. You have to write a letter if you want anything done. Forget it, go with creditonebank card or first premier. This card in the three years I've more
Aug 15, 2014
Photo of Gulab T.
1
By:
Aug 15, 2014
worst customer service! never go for this one.
Jun 18, 2014
Photo of Truman H.
1
By:
Jun 18, 2014
Absolutely ABYSMAL.

Deposit $400
Annual fee: $35
Mailed CC to wrong address.
Allowed unauthorized person (presumable without any info of mine) to activate card.
Sent a late notice.
Reported card stolen.
2 months later...they sent a check for $330...citing late fees for charges I didn't make on a card I never received.
Additionally, since a month went by before I was aware they sent the card to wrong address they gave my otherwise flawless credit score it's only 30-day-late...on a secured card which I didn't receive.
Phoned in to discuss the above, where I was told they can only address this by physical (not electronic) mail.

I paid money for a product/service more
Jun 18, 2014
Photo of Dylan C.
1
By:
Jun 18, 2014
Terrible company!!!! Terrible customer service!!!
Jun 13, 2014
Photo of Phillip C.
4
By:
Jun 13, 2014
This has been a great card with a low entry fee. Getting a second card from them is equally easy and has improved my credit score. No problems with customer service. Get this if you are in need of this type of card.
Apr 4, 2014
Photo of CJ R.
5
By:
Apr 4, 2014
After my foreclosure I was in a pretty bad spot financially. There were very few companies out there that would even give me a credit card so that I could begin building up my credit again. I searched far and wide and decided on this credit card. It has an annual fee and a security deposit but this is very normal for credit cards offered to low credit consumers, so I didn't mind. With this card I was able to build my credit up and also have a safety net for myself and my family. I would recommend this card to anyone out there trying to get back on their more
Sep 1, 2014
Photo of Shirley A.
Shirley Anna
Sep 1, 2014
This is a Great Card To Have After Bankruptcy, First Progress Credit Card is The Best.
Feb 17, 2014
Photo of Michele H.
5
By:
Feb 17, 2014
This was just what I needed since you don't have to have a good credit score or credit history. I needed to have a credit card and the Platinium select really takes care of what is needed. That and how can you not love the fact you get to set your own credit limit just by your deposit.I really think this is a good card and I highly recommend it to folks who just have a hard time being able to get a credit card period. It has been fantastic for me.
Feb 7, 2014
Photo of Paul K.
5
By:
Feb 7, 2014
i had a really poor credit history and was always declined when applying for credit cards until I came across First Progress. I can now rent cars and my credit score has risen even though I only have this card for a short time. I highly recommend it.
Feb 6, 2014
Photo of Ashley K.
3
By:
Feb 6, 2014
If you don't have great credit your options to get a card are slim to none. This card is Secured so you have to put a certain amount of money on it in order to use it, so you have to have the cash on hand unlike normal cards. I think this card does what it is supposed to and I have never had to call in for any issues so I am not really sure what their customer service is like, In the end, although secured, it is a credit card and it gets the job done.
Jan 3, 2014
Photo of Nina A.
3
By:
Jan 3, 2014
For those with bad credit, there aren't that many good options. The First Progress Platinum secured card though, is better than nothing. I've had this card for a little over 4 months. What I like about it is that they don't require a credit history or minimum credit score for approval. You also set your credit limit by how much you deposit. They also will report to the three major credit bureaus, so as long as you pay on time and take care of this credit, you will build or rebuilt your credit history. The card has an annual fee of $39. I haven't asked them to waive it yet more
Dec 6, 2013
Photo of Andrew L.
5
By:
Dec 6, 2013
First Progress Platinum Select Secured Credit Card was a good card for me and the application process was quite straight forward. When I applied for this card in the beginning, my credit was in shambles due to some unpaid medical bills. First Progress approved my application and gave me $500 limit secured with a bank deposit. Since then my credit score has improved and the bank offered me additional spending limit. This card does have decent APR which is much better than similar products from other companies. They also have an easy to use website.
Apr 7, 2014
Photo of Jacqueline M.
Jacqueline Miller
Apr 7, 2014
How long did you have the card before they increased your credit limit?
Dec 5, 2013
Photo of Lisa H.
5
By:
Dec 5, 2013
I love using Mastercard and have always felt they are a company that you can trust and depend on. I could not recommend them enough to all my friends and family. You really cannot go wrong with a company that has been around for decades.
Oct 2, 2013
Photo of Sidhu R.
4
By:
Oct 2, 2013
I landed upon this credit card when I had reached the limit on my other cards and I really needed one to meet my current expenses. My rating with the other cards weren't that great and so I couldn't extend my limit. First Progress really saved me then. The processing was quick, I did not have to wait for long to get my credentials verified and I got decent customer support to get my questions answered. Have been a happy user since then. Have defaulted twice in paying my bills on time, but then they have been courteous.
Aug 26, 2013
Photo of Andi R.
4
By:
Aug 26, 2013
I have had this credit card for a few months and am very happy with it. The acceptance process was straightforward and easy. I needed a card that would help me repair my credit and this card ticked all the boxes. After putting a modest security deposit on the card I could use it straight away and quickly found out the payment system was as straightforward and easy as getting the card was! The low interest rate surprised me and as I only use it when needed I rarely pay any more than I spend. The only reason I gave this a 4 out of 5 rating was the lack more
Aug 16, 2013
Photo of Sophie O.
4
By:
Aug 16, 2013
I am happy, overall, with my First Progress Platinum Select Secured Credit Card. I didn't have a whole lot of options, thanks to my divorce and other issues conspiring to wreck my credit score and finances, but having a credit card was a necessary contingency, so I did a lot of research into starter cards and this was the card which seemed to fit my needs best. There are comparatively fewer demands and penalties with this card, relative to many others, and I especially like that the interest rate I was given was probably a lot lower than most others would have stuck me with. It's easy to manage and more
Jun 6, 2013
Photo of Bernice S.
4
By:
Jun 6, 2013
This was the first card I was able to get following a bankruptcy. I applied and was accepted, and put a $1,000 security deposit on the card. Not sure if being accepted for this card was the only reason, but my abysmal credit score immediately rose about 90 points. The card has worked well, there is a good online interface for payments, and I have had no problems. I am really appreciative for the First Progress card to enable me to begin rebuilding my credit.

After a few months I began to get offers of unsecured cards, including from Merrick Bank and CapitalOne (which had previously turned down an application for more
May 6, 2013
Photo of Fanny V.
5
By:
May 6, 2013
When my husband and I had trouble obtaining a credit card due to past financial troubles related to a job loss, First Progress Platinum is the card we chose to help us rebuild our credit. The minimum deposit was low at only $300, and we liked the fact that the annual fee was much lower than other cards we found. Of course, the card does not have rewards or points, but they will help you rebuild your credit. First Progress Platinum reports to all three credit agencies, which is great for people like us who need a boost on their credit reports. We also found the application process to be more
Apr 19, 2013
Photo of Sarah K.
5
By:
Apr 19, 2013
My credit was pretty low fairly early on because of a series of identity thefts that really left me in a bad position. My first credit card was the First Progress card, which was not the best card in terms of benefits on the market, but nonetheless it was a credit card I could use. I applied and got it, and was really thrilled. It helped me raise my credit to a level I had no seen in years, which really helped me get back on my feet. The rewards were okay, but a lot better than I thought. My experiences with the First Progress card were great, and this more
Apr 5, 2013
Photo of Peter G.
4
By:
Apr 5, 2013
I was having a lot of difficulty obtaining unsecured credit, so I decided to lower my expectations so to speak. I applied with First Progress about 4 months ago, and while it may not be giving me concierge or any rewards, it most certainly is providing me with one very important thing: positive credit reporting, which can be a boon if that is precisely what you need. I can definitely say that this card’s interest rate is very fair, and despite the fact that it has an annual fee, it is reasonable. There is however a the ten day waiting period for available credit after a payment is made, which more
Mar 29, 2013
Photo of Ryan U.
4
By:
Mar 29, 2013
I got this card to start rebuilding from the ashes and rubble that youth and a poor relationship brought about upon my finances. The interest rate is a few points lower than I expected, which was okay, but my wife and I are the type who pay off our balance every month if we can help it. All in all, it's a decent card with a fair limit (if the other reviews are of any indication, we should be thankful we've not had to attempt to resolve any problems yet) and I don't see us replacing it for a few years, at least.
Mar 14, 2013
Photo of Lefty H.
1
By:
Mar 14, 2013
THEY SUCK DOn't USE THEM UNLESS YOU LIKE SENDING EVERYTHING BY SNAIL-MAIL TO MAKE PAYMENTS.
Mar 6, 2013
Photo of Charles T.
5
By:
Mar 6, 2013
I applied for the First Progress Platinum Select MasterCard Secured Credit Card when I had no credit history at all. This card did not require me to have a credit history or minimum credit score for approval. It really helped me raise my credit score pretty fast as my credit was monthly monitored and reported to all three major credit bureaus. They offer zero interest on purchases for 25 days provided that you pay your balance timely. However this grace period is not available for balance transfers or cash advances. They do not have a monthly fee requirement but they do charge an annual fee of $39. Their customer care more
Feb 11, 2013
Photo of Hana R.
5
By:
Feb 11, 2013
I used the First Progress Platinum Select MasterCard when my wife and I got behind on our bills and had some bad credit. We couldn’t qualify for many cards and this one allowed us to both qualify and regain our composure to get caught back up. There is no credit history approval check and that was huge for us because that is what was keeping us held back from getting any other cards. I can honestly say this card played a major role in getting us back on our feet and I don’t know what we would of done without it. It’s been a few years since this experience and more
Jan 30, 2013
Photo of Robin S.
1
By:
Jan 30, 2013
I tried to apply for this card online. First, it would not let me apply, because it considered that my birth year of 1956 meant I was not 18 yet. after fooling it by typing 1856 then changing the 8 to a 9, it advanced to the next step. Then...although my income is 600 dollars more than my expenses...it said it could not complete the application because my income is not 100 dollars more that expenses and that I did not have enough money to pay the fee. I am finished with this...frustrating...and shows what problems I can expect in the future. Terrible...
Jan 18, 2013
Photo of Mike H.
5
By:
Jan 18, 2013
This card is one I would recommend to those attempting to either fix a damaged credit score or to simply build one in the first place. I'd heard of people having problems getting accepted in the first place for the card but I had no such issues and was approved very quickly. By paying off the statements as quickly as possible it did indeed help in it's own small way to build up my credit score to the point I could apply for a "proper" credit card later but this sort of card most certainly serves a purpose and is a good place to start if you're towards the bottom more
Jan 18, 2013
Photo of Bob R.
4
By:
Jan 18, 2013
When I was first trying to improve my credit after a bad divorce and bankruptcy, I turned to using a secured credit card, specifically the First Progress MasterCard. Though I did not want to have to do it that way, it was the only option I had. I didn't really like the annual fee but compared to some of the other secured cards out there it didn't seem that bad. And, most importantly, I only had to use it for a short time until I was able to get my credit score just barely into the range where getting a credit card was possible. Overall, the process of depositing money more
Jan 8, 2013
Photo of Loriann I.
4
By:
Jan 8, 2013
I got this card about two years ago after a very messy divorce. My credit was destroyed because my ex had maxed out two credit cards and took out another three credit card and maxed them out before our divorce was finalized. Well, I paid off the two, but did not know about the other three until they were 6 months past due. I was surprised that the First Progress Platinum Select MasterCard Secured Credit Card even accepted me and was even more surprised that a secured card reported to the three main credit companies. I did not know that was even possible. I used the card for a year more
Jan 8, 2013
Photo of Lauralee M.
3
By:
Jan 8, 2013
The First Progress Platinum Select MasterCard was the first card that I acquired when I began to build my credit in college. This was shortly after the recession and credit crunch, and I was being rejected by other banks and cards when I attempted to apply for them because I had no previous credit history and banks were being much less forgiving when offering people cards. It served me very well, I used it over the course of a year, making small purchases with it and then paying it off. They reported my on time payments and my credit history slowly increased. I eventually began to receive other credit card more
Dec 19, 2012
Photo of Delsie P.
4
By:
Dec 19, 2012
The First Progress Platinum Select Card is a decent card when first starting to rebuild your credit as well as if you're a person just starting to establish credit. I didn't expect to get any rewards or anything on this card as it's intention was solely for the purpose of rebuilding and nothing more. It has the benefit of reporting to the three major credit bureaus and will seriously help increase your score. I appreciate that the minimum deposit was only $300 as that was simpe enough to come up with. It is a little higher than most other secured cards, but I figured it's a worthy investment. I was more
Dec 7, 2012
Photo of Michael J.
5
By:
Dec 7, 2012
I got this card because I wanted to build my credit up a bit so I could possibly start thinking about buying a home for my family. With First Progress Platinum Select MasterCard Secured Credit Card you deposit money into your account and then can spend off of it like a credit card but it is your own money anyways. They report to the 3 major credit check companies so your credit score will increase as you go though the process month to month. This is definitely a great way to increase your credit score! I recommend First Progress Platinum Select MasterCard Secured Credit Card for anyone who needs to more
Nov 30, 2012
Photo of Jay B.
5
By:
Nov 30, 2012
This was one of the first secured credit cards I got in order to help me get my credit rating back to a decent standing. I never had any problems using the card or getting help from a customer service agent when I had a question or problem arise. If you have little to no credit or bad credit for whatever reason, you should definitely check this card out. You do have an annual fee, but it is pretty small and worth it to have a credit card to use when you do not have the cash to buy the stuff you need now. Also, paying the annual fee was more
Nov 1, 2012
Photo of Sin L.
4
By:
Nov 1, 2012
Secured credit card is the easiest way to salvage your credit score quickly and at very low cost. Few months of one of these and your points steadily rise if you do everything right. Every point can get you into a "real" credit card sooner then later.
Great card , haven't had any issues at all with it. I didn't have bad credit I am the opposite end of the spectrum, I don't have any. With the help of this secured card and another I have built up enough credit history to hopefully get into a real credit card. Never an issue and works everywhere.
Sep 5, 2012
Photo of Susan E.
4
By:
Sep 5, 2012
I got this card for my teenage son to use. I figured this would be the safest way for him to have access to an account for emergency purposes, and unlike my stepson did with his debit card, he can't exceed the limit of the prepaid amount. I was a bit concerned about the fee, but after figuring my stepson had more than $450 in overdraft fees in ONE year, it seemed very reasonable. It was really easy to get the card, and because they do report to the big 3 credit reporting agencies, he is already building some credit, which is VERY hard for a teenager to do nowadays. more
Sep 5, 2012
Photo of Tabatha M.
4
By:
Sep 5, 2012
I got my first credit card in college and found out the consequences of mismanaging my finances. I was not getting the ability to be accepted for other cards, and so I needed to get a secured credit card. This card has a pretty low minimum deposit and a reasonable annual fee. Obviously, there are not going to be any rewards associated with this card, but the reason you get a card like this is to rebuild credit, plain and simple. They report to credit agencies every month to help rebuild your credit as fast as possible. I would suggest this card to anybody needing to rebuild their credit.
Sep 5, 2012
Photo of Jennie L.
4
By:
Sep 5, 2012
If I compare this card to a normal reward based credit card then this card would fall way short. However if you are in a bind, or are just starting to build your credit then a card like this is very valuable. We've all been there where we can't get something because we don't have credit but we can't build credit because we don't have anything. It is a tough place to be and this card helps you to build credit AND have a card to do something with. Yes, you lose a bit in terms of apr and having to fund it and pay extra fees, but if you more
Aug 31, 2012
Photo of JoeyandAmanda W.
4
By:
Aug 31, 2012
The First Progress Secured Credit Card is a great card if you are looking to build your credit up in an affordable way. You can set your own credit limit ranging from $300 up to $2,000. This card is reported to all three credit bureaus, which is great if you are trying to build or reestablish your credit. There is really no hassle in getting this card as you do not have to go through a long approval process like with most other cards. There is an annual fee of $39, which is not bad when compared with fees that other charge. This is a great card to have if more
Aug 30, 2012
Photo of Adrian P.
5
By:
Aug 30, 2012
First Progress Secured Credit Card has been a great savings card for me. They require a minimum of $300 dollar deposit to get the secured credit but I think that is a really fair number. With this secured credit I don’t have to worry as much about my overspending and can actually earn some money in the process. It feels safe having this credit card as my secured credit card of choice. First progress might not be the most popular company but I trust them a lot and have really enjoyed their service so far. They get a good grade from me and I can see many other people giving more
Aug 30, 2012
Photo of Dot C.
5
By:
Aug 30, 2012
My daughter is college right now and living away from home. She applied for a unsecured credit card a couple of years ago and was approved for a reasonable limit. Unfortunately, she managed it very poorly so things went south quickly. The card company closed her out. She needed to rebuild her credit so we helped her find a secured card to get her going again. I found this one online. She applied for this card on a Monday and sent in the $300 deposit. They called us the following Monday ( a week later ) telling her she was approved. The card arrived pretty quickly, within a 3-5 days. more
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Aug 19, 2014
Photo of Brian L.
By:
Aug 19, 2014
Hi,

I am looking for a secured credit card which can be later converted to unsecured in Canada. Can you help?
Dec 20, 2013
Photo of Bartolo P.
By:
Dec 20, 2013
what is the method for computing repayments for cash advances and balance transfers?
Dec 30, 2013
Photo of Card H.
Dec 30, 2013
One option is to use CardHub's credit card calculator (http://www.cardhub.com/credit-card-calculator/) which makes it easy to forecast finance charges and develop a strategic repayment plan. It can even tell you if a new credit card would save you money. Alternatively, you can check out our How Interest Works and Types of Interest Rates articles (http://www.cardhub.com/edu/how-credit-card-interest-works/ and http://www.cardhub.com/edu/types-of-rates/), which detail how you can calculate your finance charges based on your account's particular APRs.
Nov 26, 2013
Photo of Robert B.
By:
Nov 26, 2013
Can this card be used as a regular credit card or is it accepted only like a debit card?
Dec 5, 2013
Photo of Card H.
Dec 5, 2013
The only difference between a secured credit card and a "regular" credit card is the fact that you are required to place a refundable security deposit that serves as your credit line. So, to answer your question, the First Progress Secured Credit Card can be used like a regular credit card, not a debit card.
Aug 25, 2013
Photo of Zell J.
By:
Aug 25, 2013
I do not have the card just yet, but does anyone know if you can do the rental car waiver for insurance with this card?
Sep 9, 2013
Photo of Card H.
Sep 9, 2013
Credit card auto rental insurance is offered on the card network level (i.e. by Visa, MasterCard, American Express, and Discover). According to CardHub's Credit Card Auto Rental Insurance Study, MasterCard only provides auto rental insurance waivers with Gold, Platinum, World and World Elite offers. However, individual issuers are able to extend the protection to standard MasterCard offers, so you should double-check with First Progress.
Jul 15, 2014
Photo of MJ W.
Jul 15, 2014
NO!! Mastercard WILL NOT COVER CAR RENTALS ON THIS CARD!!!
Jan 17, 2013
Photo of Mary B.
By:
Jan 17, 2013
Ok, well I just applied for this First Progress Card, and now I'm worried. If I read things here correctly, people are saying you can be denied? On what basis can they deny you? I mean, if you give them the money, your ID and information checks out, what reason would they deny you? This has me worried, because I'm sure they have taken out the deposit money {$500} from my checking account. I added extra because I want more $$ avail....anybody out there know why I would be denied?
Apr 13, 2012
Photo of Beulah T.
By:
Apr 13, 2012
Where is my money I need a contact number so I can talk to someone or I will be contacting an attorney and bbb
Apr 13, 2012
Photo of Card H.
Apr 13, 2012
Try calling 1-888-403-4783 so that you can reach First Progress and inquire about the status of your secured credit card application.
Apr 3, 2012
Photo of Mark L.
By:
Apr 3, 2012
Mark Lanin · Stamford, Connecticut.
I did not complete application but First Progress immediately without authorization charged my account by $300 and did not respond to my req to refund it.
Apr 2, 2012
Photo of Carlo C.
By:
Apr 2, 2012
I need your guys to return the moneyback in my acc.
Feb 21, 2012
Photo of Vonnie R.
By:
Feb 21, 2012
I had none of these issues that I know of. I applied for it, was approved very quickly and now hve my card. What it will do for my credit score is yet to be determined but I will update asap.
Feb 7, 2012
Photo of Robert S.
By:
Feb 7, 2012
Avoid at all costs. I filled out the application and within one hour, First Progress deducted the funds for the deposit. I received an email about one week later stating that my money would be refunded by check as my application was denied. I am still waiting for a refund that should have never been removed from my account in the first place. When I call, they will say nothing more than to expect a letter. I wouldn't trust this organization in the least. They should have approved me prior to removing funds for a security deposit on an account that they now have no intention of opening. I can't more
Feb 15, 2012
Photo of Deavantae L.
Feb 15, 2012
try applied bank its cheaper to start and they have a lower apr
Apr 3, 2012
Photo of Mark R.
Apr 3, 2012
how much did you put down? i just filled out an app last week.
Feb 3, 2012
Photo of Deavantae L.
By:
Feb 3, 2012
No they used the same application that i submitted to them however they did send me some type of application and stated if i disagreed with what if i am not mistaken check systems had to say about my banking history that i could submit that application to them explaining why but the application was just like a bank application so i don't know about that one
Jan 24, 2012
Photo of LaKiesha B.
By:
Jan 24, 2012
Thanks for the heads up. I've considered Capital One, Citi and Orchard.
Jan 24, 2012
Photo of Card H.
Jan 24, 2012
Of the secured credit cards that you considered we would love to hear which one you chose and why.
Jan 24, 2012
Photo of LaKiesha B.
Jan 24, 2012
I've been approved for Capital One already so that's the for sure one that I'm going with. Orchard will likely be the second if I chose to go with a second. Although Capital one has a higher interest rate than Orchardm, it's a brand that everyone knows, the annual fee is $29 with no hidden and processing fees. For a refundable $49 deposit, my credit line is $200 and for every dollar extra that I decide to deposit, they match dollar for dollar. If I send a $100 deposit, my credit lines goes from $200 to $251; if I send $200 deposit, my line of credit is $351...and it can more
Jan 25, 2012
Photo of Card H.
Jan 25, 2012
LaKiesha Boyd - This is very helpful. We think that you made a very good choice since according to our database of 1000+ credit card offers, CapitalOne and First Premier are the only companies to offer partially secured credit cards and the Capital One Secured Card is by far the more superior choice since it has much lower fees and APR's.

Just a few clarifications: 1) If you send $100 your credit limit will go from $200 to $300 and if you send $200 your credit line will be $400; 2) After some time of solid payment history you will be eligible for a fully UNsecured credit card; and 3) Almost more
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First Progress Platinum Select MasterCard® Secured Credit Card is related to the following credit card categories:

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Last updated on: Dec 15th, 2014 at 1:39 EST