First Progress

[Anonymous]

First Progress is easy to acquire and there is a reason this is true.  They are quick to approve you and take your $300 in return for a promise of a credit card.  Before you get a card or any correspondence you will incur charges and late fees.  Long story short:  your credit score will drop 50 to 60 points by the time they run you around and try to get more.  I will not accept being scammed without a fight!

Check out their facebook page and you will see similar stories...

[Anonymous]

Buyer beware?

Sounds like they just lost track of you.

[Anonymous]

Sorry to hear that DrowningDuck. Hope you are able to recoup your losses.

[Burned2manybridgesB4]

Never had an issue with Synovus on startup. I used this card prior to them being "semi popular," and the only issue I had was having to call them twice to cancel card, and establish refund check delivery.

OP, how did you fund your deposit?

edit: just to add, most of the complaints are T&C non readers, that don't think an AF is due if the card's not activated. Which isn't the case.

[Anonymous]

That would be too easy.  I have had many conversations with this bunch.  Still $300 short and 40 points down.

[Anonymous]

Burned...

I used a debit card to fund the $300.  I found out about the charges through FICO long before I was able to get in touch with 1st Progress and notify them that I hadn't received a card and that I expected the late charges to be removed.

[Anonymous]

Space...

I requested that they take our relationship back to 0.  That they should cancel the card; send me my $300; and remove ALL from my credit report.  So far, they've sent me a letter stating that they've honored my request by cancelling the card, but no refund and no credit report change.

[creditprotector]

Drowningduck is 100 % correct, further more, these are the things they don't tell you: 1- First Progess charges you $10.00 to pay over the phone," yes" they charge you to pay your credit card bill. 2- You need to use your bank's online payment to pay them why,ask them? 3-They don't accept your check "directly online" 4- NO WesternUnion only Moneygram. 5-- Your payment will take up to 10 business days to clear. 5-Future creditor's will ask why do(did) you have such an account in your credit history , Did you have credit problems in the past? Even if you are able to delete the "baddies" , the infection is there. Is like someone asking you, " Did you live in the guetto? based on your credit history.

[Burned2manybridgesB4]

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@creditprotector wrote:

Drowningduck is 100 % correct, further more, these are the things they don't tell you: 1- First Progess charges you $10.00 to pay over the phone," yes" they charge you to pay your credit card bill. 2- You need to use your bank's online payment to pay them why,ask them? 3-They don't accept your check "directly online" 4- NO WesternUnion only Moneygram. 5-- Your payment will take up to 10 business days to clear. 5-Future creditor's will ask why do(did) you have such an account in your credit history , Did you have credit problems in the past? Even if you are able to delete the "baddies" , the infection is there. Is like someone asking you, " Did you live in the guetto? based on your credit history.

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I had this card before it took off.

I used their own billpay tied to account online, with my bank routing, and account info hand typed each time I made a payment.

Never talked to a live person until the day I closed it.

Expected payments to delay, as it's a secured card, so why let someone double charge, before the payment is "clear," teaching financial responsibility by learing to watch accounts? Never took more than 7 days for me, BTW.

Infection? Didn't report secured for me, and was listed as Synovus corp on my CRA's.

[Anonymous]

Although it helped with my score when I needed it the above post are right about all the problems mine will be closed in August