Help with Next Credit App

[Jannelo]

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@Anonymous wrote:

I wouldn't. I mean from a technical standpoint you give them $300, they give you $300 credit line which is nice, but their system is so stone ages in terms of payments. When it comes to pay, you can't put like a standard ACH information in. You have to manually go to your financial institution and setup a bill payment instead which can add an extra business day or so to the payment process. Their online system also goes down all the time, can't update and impossible to get ahold of anyone on the phone. 

I did First progress because I didn't know any other options at that time but now I understand the system a lot better. I would definately go capital one secured 100% of the time if you are able to get approved. They will at least graduate you after 5 months and double your credit line. I went from $200 to $750 with them after 5 payments. 

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You're right.  I couldn't remember how I used to pay with First Progress.  But I did have to go to my online checking account and pay through bill pay.  

Regarding Cap One graduating, I thought I just read on here recently that they've stopped doing that.  A poster was upset  to find out that their secured card no longer had the ability to graduate per the Cap One representative.