first progress platinum elite mastercard phone number

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First progress platinum elite mastercard phone number -

Contact First Progress Customer Service

First Progress Phone Numbers and Emails

Legal:

  • (800) 695-0987

    Privacy Inquiries

  • (866) 706-5543

First Progress Email:

General Info

More phone numbers and emailsLess phone numbers and emails

First Progress Contact Information

First Progress Online Chat:

Corporate Office Address:

First Progress

P.O. Box 9053

Johnson City,Tennessee37615-9053

United States

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How to Contact First Progress Customer Service

Reach First Progress Customer Service Via Phone

First Progress customer support can be reached through mailing address, help center, and online customer center. There is no First Progress email address or phone number on the website. However, you can dial the First Progress phone number provided on their Facebook page that is (866) 706-5543). Or, use the number you see at the back of your card to get in touch with customer service.

Reach First Progress Customer Service Via the Website

The First Progress recommends that customers browse the “About Program” and “FAQ/Help” pages to find standard information about the company and answers to the most common customer questions.

The About Program page discusses in details the 3 First Progress MasterCards dubbed Prestige, Select, and Elite. It informs about the available credit, annual percentage rate, security interest, minimum deposit requirements, and annual fees associated with each card.

The FAQ/Help page also provides information regarding the difference between various First Progress cards.

The First Progress website offers a self-service card application process. However, the online application process is not available in Iowa, Arkansas, Wisconsin, and New York. There is also a secure First Progress customer center where existing customers can log in and check their application status and fund their accounts.

Reach First Progress Customer Service Via Mail

First Progress recommends that customers write to them regarding charge disputes, requesting for an expedited credit balance refund check after closing an account, and any other issues. The First Progress address for mailing your correspondence is First Progress Card, P.O. Box 9053, Johnson City, TN 37615-9053.

Reach First Progress Customer Service Via Social Media

Although First Progress has a Facebook and Twitter account, there is no recent activity or significant following on both pages. You could send a direct message to First Progress customer support on either or both accounts, but there is no evidence whether the representatives will respond.

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First Progress Rating Based on 1.1K Reviews

Rating details

Product or Service Quality

Rating Details

Product or Service Quality

Diversity of Products or Services

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All 1.9K First Progress reviews

Summary of First Progress Customer Service Calls

25K TOTAL
CALLS

03:06 AVG CALL
DURATION

25% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call First Progress Customer Service?

Cards Question:

  • “Too see where my credit card”
  • “Card was charged”
  • “Card issues”

Payments and Charges Question:

  • “Pay bill”
  • “Billing”
  • “Should not have been billed”

Account Question:

  • “Im Trying to close my account”
  • “Account balance”
  • “New to creating account, birthday says its wrong”

Request for Information Question:

  • “Talk about a payment”
  • “Questions about a new secured credit card”
  • “Questions about payment”

Shipping and Delivery Question:

  • “Me aprovaron una tarjeta de credito en enero de este año pero la tarjeta no me ha llegado.”
  • “Didn't receive card”
  • “Did not recieve card”

Activation/ Cancellation Question:

  • “Cancel account”
  • “I would like to cancel my card”
  • “Cancellation”

Website/ Application Question:

  • “Application status”
  • “New application”
  • “My existing application”

Refund Question:

  • “Says an error with my refundable security deposit but won't let me finish application instead asks me if I want to start a second application.”
  • “Refund my deposit”
  • “Refund question”

Staff Question:

  • “Customer service”
  • “Want to contact customer service”
  • “To try Customer Service”

Employment Question:

  • “Pay off card”
  • “To pay off my card and cancel the Card”
  • “Pay off my Balance on my credit card.”

Return/ Replace Question:

  • “Need to change an address”
  • “Replacement of bank card”
  • “To change address”

Product/ Service Question:

  • “Pin not working”
  • “My money I earned from work how can I get it off the card”
  • “Order a new card”

Other Question:

  • “Late fee”
  • “Personal”
  • “They took my money”

About

First Progress Terms of Service

PLEASE READ THESE FIRST PROGRESS WEB SITE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, THE USER OF WEBSITE AGREE TO BE BOUND BY THE TERMS AND CONDITIONS IN THIS NOTICE. All product and service marks contained herein that are not First Progress marks are the trademarks of their respective owners. References that Website make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not imply any endorsement, sponsorship or recommendation of the third party, information, product or service by First Progress unless www.firstprogress.com specifically inform The Customer otherwise. Linked sites are not under the control of First Progress and First Progress is not responsible for the contents of any linked site or any link contained in a linked site. WHEN THE USER ACCESS A LINKED SITE, THE CUSTOMER'S RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE TERMS AND CONDITIONS OF THE LINKED SITE, INCLUDING ITS PRIVACY POLICY.

To read more: https://apply.firstprogress.com/terms

First Progress Privacy Policy

To read more: https://apply.firstprogress.com/pdfs/first_progress_privacy_policy.pdf

First Progress FAQ

This FAQ page has answers to the most common questions about how to build credit fast with First Progress, such as "What is a secured credit card?" and how to apply. Here The Clientll find links to information about the program's APRs, fees, and other terms, along with answers to questions about the application process and how the program works to help Company's cardholders establish credit history with all three of the major credit bureaus. If The User of company servicesve experienced difficulty finding credit because of a poor or inadequate credit score, First Progress can help. Credit Card was designed to help individuals with credit issues or inadequate credit history to establish a better future. Be sure to visit Company's "About the Program" page as well. First Progress currently offers three different Platinum MasterCard Secured Credit Card options.

To read more: https://apply.firstprogress.com/faq

Top First Progress Services

Customer Care, Shipping Service, Card Activation

Top First Progress Products

Credit Card, Account, Deposit

First Progress Pros and Cons

Pros: Idea of rebuiding my credit, I was hoping to rebuild my credit, Building credit, Only the fact that they offered me a card to rebuild my credit, Build credit

Cons: Difficulty in reaching support for help, No customer service contact email phone or chat, Everything about my experience was horrible, Hard to contact, Impossibility of reaching a representative for answers

Summary

First Progress is a company that specializes in providing various financial services. The company has been in business for more than 5 years and its head office is located in Columbus, GA. First Progress mainly focuses on giving building and re-building credits and mortgages. The company works with U.S. residents only. On top of that First Progress provides a Secured Credit Card Program which is not available in New York, Arkansas, Wisconsin and Iowa states. The company offers various consulting services like toll free consultations and 24/7 online customer support.

First Progress reviews and complaints

First Progress is ranked 40 out of 194 in Cards category

Area Served

Worldwide, USA

Payment Methods

VISAMasterCard

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Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

Источник: https://first-progress.pissedconsumer.com/customer-service.html

Start Building Your Credit

Start Building Your Credit

The First Progress Mastercard is a full-featured credit-card with a credit line based on a refundable security deposit instead of your credit score. The card reports to all three credit bureaus every month to help establish or re-establish new credit history.

Apply Now

No Credit History or Minimum Credit Score Required for Approval
If you qualify for one of our Secured Credit Cards, you would also qualify for either of the other two.

Note that the First Progress Card is a genuine, full-feature account with a revolving credit line based on your refundable security deposit. You will need a bank account in order to make monthly payments on your new card account to avoid having to incur separate costs imposed by outside payment vendors.

Platinum Prestige Mastercard
Secured Credit Card

Apply Now

9.99% Variable APR for Purchases

$49 Annual Fee

18.99% Variable APR for Cash Advances

  • No Minimum Credit Score
  • No Credit History Required
  • Accepted Nationwide

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

Platinum Select Mastercard
Secured Credit Card

Apply Now

13.99% Variable APR for Purchases

$39 Annual Fee

19.99% Variable APR for Cash Advances

  • No Minimum Credit Score
  • No Credit History Required
  • Accepted Nationwide

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

Platinum Elite Mastercard
Secured Credit Card

Apply Now

19.99% Variable APR for Purchases

$29 Annual Fee

24.99% Variable APR for Cash Advances

  • No Minimum Credit Score
  • No Credit History Required
  • Accepted Nationwide

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC

Check Your Application Status

To lookup a recent application or to provide the refundable Security Deposit so you can activate your new account, please enter your information below:

This is the final step to a great secured credit card

To provide your refundable security deposit and activate your new First Progress Mastercard, please enter your 16-digit card number

You will be transferred to our Secure Payment Page to complete your deposit.

Don't have your card yet? Click here to find your application if you do not yet have your account number.

Multiple applications were found.
Please select the application you would like to lookup:







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Источник: https://stage.firstprogress.com/

Start Building Your Credit

Start Building Your Credit

First Progress Card

The First Progress Mastercard is a full-featured credit-card with a credit line based on a refundable security deposit instead of your credit score. The card reports to all three credit bureaus every month to help establish or re-establish new credit history.

Apply Now

First Progress CardFirst Progress Card
Arrow background
No Credit History or Minimum Credit Score Required for Approval
If you qualify for one of our Secured Credit Cards, you would also qualify for either of the other two.

Note that the First Progress Card is a genuine, full-feature account with a revolving credit line based on your refundable security deposit. You will need a bank account in order to make monthly payments on your new card account to avoid having to incur separate costs imposed by outside payment vendors.

Platinum Prestige Mastercard
Secured Credit Card

Platinum Prestige Card

Apply Now

9.99% Variable APR for Purchases

$49 Annual Fee

18.99% Variable APR for Cash Advances

  • No Minimum Credit Score
  • No Credit History Required
  • Accepted Nationwide

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

Platinum Select Mastercard
Secured Credit Card

Platinum Select Card

Apply Now

13.99% Variable APR for Purchases

$39 Annual Fee

19.99% Variable APR for Cash Advances

  • No Minimum Credit Score
  • No Credit History Required
  • Accepted Nationwide

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

Platinum Elite Mastercard
Secured Credit Card

Platinum Elite Card

Apply Now

19.99% Variable APR for Purchases

$29 Annual Fee

24.99% Variable APR for Cash Advances

  • No Minimum Credit Score
  • No Credit History Required
  • Accepted Nationwide

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

The First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC

Preloader

We offer three Mastercard Secured Credit Card Options:

No Credit History or Minimum Credit Score Required for Approval. If you qualify for one of our Secured Credit Cards, you would also qualify for either of the other two

Platinum Prestige Mastercard
Secured Credit Card

Platinum Prestige Mastercard

Apply Now

Annual Percentage Rates (APRs)

9.99%

Variable APR for Purchases

18.99% Variable APR for Cash Advances

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater
  • No minimum credit score
  • No credit history required

See important disclosures for additional information on rates, fees and other cost information

Important DisclosuresApply Now

Platinum Select Mastercard
Secured Credit Card

Platinum Select Mastercard

Apply Now

Annual Percentage Rates (APRs)

13.99%

Variable APR for Purchases

19.99% Variable APR for Cash Advances

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater
  • No minimum credit score
  • No credit history required

See important disclosures for additional information on rates, fees and other cost information

Important DisclosuresApply Now

Platinum Elite Mastercard
Secured Credit Card

Platinum Elite Mastercard

Apply Now

Annual Percentage Rates (APRs)

19.99%

Variable APR for Purchases

24.99% Variable APR for Cash Advances

The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater
  • No minimum credit score
  • No credit history required

See important disclosures for additional information on rates, fees and other cost information

Important DisclosuresApply Now

Check Your Application Status

To lookup a recent application or to provide the refundable Security Deposit so you can activate your new account, please enter your information below:

Multiple applications were found.

Please select the application you would like to check:

Application TypeSubmitted OnInfo Link

This is the final step to a great secured credit card

To provide your refundable security deposit and activate your new First Progress Mastercard, please enter your 16-digit card number

You will be transferred to our Secure Payment Page to complete your deposit.

Don't have your card yet? Click here to find your application if you do not yet have your account number.

Источник: https://www.firstprogress.com/

All information about Green Dot primor Mastercard Gold Secured Credit Card, Green Dot primor Visa Classic Secured Credit Card, and Green Dot primor Visa Gold Secured Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.


A guide to secured credit cards

If your credit isn’t its best or you are new to credit, your options can be limited. In fact, the New York Federal Reserve reports that in October 2020, 21.3% of consumers were rejected when applying for credit cards. But with a secured card, you can build your credit in a few months so that you can apply for a more rewarding unsecured card.

Secured cards require a refundable deposit that you are borrowing off of for your available credit limit. In many cases, they may be your only option. But they are a great way to build credit and to develop good payment habits.

We evaluated more than 200 secured credit cards using such criteria as: rates and fees, deposit amounts, ability to improve credit, customer service, and miscellaneous features and benefits. Below are our top picks for the best secured cards and further information to help you make your decision and improve your credit so you can qualify for even better offers.


Comparing the best secured card offers

Credit CardBest For:Minimum Deposit RequiredAnnual Fee
Capital One Platinum Secured Credit CardNo annual fee$49, $99, or $200$0
Capital One Quicksilver Secured Cash Rewards Credit CardFlat-rate rewards$200$0
OpenSky® Secured Visa® Credit CardNo credit check$200$35
Applied Bank Secured Visa® Gold Preferred® Credit CardLow interest$200$48
Citi® Secured Mastercard®Building creditMinimum $200$0
First Progress Platinum Elite Mastercard® Secured Credit CardWide acceptance$200 – $2,000$29
Surge Secured Mastercard®Fast application process$300$69
Discover it® Secured Credit CardCash back$200$0
Self — Credit Builder Account + Secured Visa® Credit CardEstablishing creditSee TermsSee Terms
First Progress Platinum Prestige Mastercard® Secured Credit CardBad credit$200-$2000$49
Self — Credit Builder AccountGetting a small loanSee TermsSee Terms

best secured cards of 2021

Best Secured Credit Cards of 2021

Capital One Platinum Secured Credit Card: Best secured credit card for no annual fee

Overview: This card’s no annual fee makes it a great starter card. Also, the no foreign transaction fee makes it a good card for overseas travel or making purchases on foreign sites.

Pros: The terms are fairly straightforward, and with responsible use, you could get a higher credit line in as soon as 6 months if you make your first 6 monthly payments on time.

Cons: The Capital One Platinum Secured Credit Card offers no sign-up bonus or ongoing rewards.

Read our full Capital One Platinum Secured Credit Card review.

Capital One Quicksilver Secured Cash Rewards Credit Card: Best for flat-rate rewards

Overview: This new credit card from Capital One combines consumer-friendly terms, like no annual fee and no foreign transaction fees, with unlimited 1.5% cash back on all purchases – a truly standout rewards program, particularly for a secured credit card.

Pros: You’ll be automatically considered for a higher credit limit in as little as six months with demonstrated responsible use.

Cons: If you’re trying to rebuild your credit and have mismanaged credit cards before, the opportunity to earn rewards could ultimately prove distracting. You might be better served by a no-frills secured credit, like the Capital One Platinum Secured Credit Card.

Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.

OpenSky® Secured Visa® Credit Card: Best secured credit card for no credit check

Overview: Unlike most credit cards, the OpenSky Secured Visa doesn’t require a credit check to apply. Also, you can build your credit history quickly because the card issuer reports to all three credit bureaus.

Pros: No credit check is required with the OpenSky Secured Visa, which is a rarity for credit cards.

Cons: There’s an annual fee, as well as fees for foreign transactions, inactivity and garnishment.

Read our full OpenSky® Secured Visa® Credit Card review.

Applied Bank Secured Visa® Gold Preferred® Credit Card: Best secured credit card for low interest

Overview: There’s no intro 0% offer, but this low interest card comes with a top-of-the-line fixed APR: 9.99% for cardholders, and it won’t increase even if you’re late with a payment.

Pros: There’s no minimum score or credit check required in the application process. Also, your credit card habits will be reported to major credit bureaus Experian, Equifax and TransUnion – a perk that can really help boost your credit score.

Cons: The card comes with a $48 annual fee on top of the required refundable deposit. Plus, there are no rewards to be earned here.

Read more about the Applied Bank Secured Visa® Gold Preferred® Credit Card.

Citi® Secured Mastercard®: Best secured credit card for building credit

Overview: Unlike a debit card, the Citi Secured Mastercard helps build your credit history because the issuer reports to all three major credit bureaus each month. Also, you may get free access to your FICO score online.

Pros: There is no annual fee which is always a plus.

Cons: The security deposit to get started with this card can vary from $200-$2,500 based on your credit qualifications. Also, like most other secured cards, there is no rewards program with the Citi Secured Mastercard.

Read our full Citi® Secured Mastercard® review.

First Progress Platinum Elite Mastercard® Secured Credit Card: Best secured credit card for wide acceptance

Overview: Because the First Progress Platinum Elite is a Mastercard, it is widely accepted, making it a great go-to card for the traveler. (Note: You will pay a foreign transaction fee when using the card overseas.)

Pros: This card has a new expedited processing option, which is handy if you are looking to get your new card quickly. Also, the First Progress Platinum Elite Mastercard Secured Credit Card doesn’t require a minimum score or credit history.

Cons: While not as bad as others, this card’s fees can be onerous. It carries an annual fee of $29 and a variable APR of 19.99%.

Read more about the First Progress Platinum Elite Mastercard® Secured Credit Card.

Surge Secured Mastercard®: Best secured credit card for fast application process

Overview: The Surge Secured Mastercard promises a fast and easy application process with results in seconds and, given its low barrier to entry from a credit standpoint, is an option for people with bad credit.

Pros: It’s one of the few secured cards on the markets that offers rewards (1% cash back on all purchases). Card use is reported to all three credit bureaus and you’ll get free access to your Vantage 3.0 score from Experian when you sign up for e-statements.

Cons: The ability to earn rewards might distract some cardholders from their credit-building goals, so you’ll want to be careful not to overspend in an attempt to earn cash back. Also, the card touts a number of high fees, including a $69 annual fee, up to a $40 late payment fee and a $30 additional card fee.

Read more about the Surge Secured Mastercard®.

Discover it® Secured Credit Card: Best secured credit card for cash back

Overview: Earn 2% back at gas stations and restaurants for up to $1,000 in combined spend each quarter (then 1% cash back); plus, Discover will match your cash back at the end of your first year. That means, if you spend $300 a month at restaurants and gas stations, you will earn $6 a month, plus $72 at the end of your first year for the Cashback Match, coming to $144.

Pros: With no annual fee and rewards to boot, this secured product offers another reason why it’s a good card for the long haul – Discover will automatically review your account after eight months to see if they can transition you to an unsecured card.

Cons: There’s a lot to love about this card, but the regular APR is not one of them. Higher than the average APR for credit cards, which is 16.21%, the Discover it Secured Credit Card’s variable APR is one of the highest among secured cards.

From our expert: “The Discover it Secured card is noteworthy because it offers rewards – a rarity among secured cards,” says CreditCards.com Industry Analyst Ted Rossman. “With no annual fee and 2% cash back* at restaurants and gas stations and 1% everywhere else, this card is a compelling introduction into the world of credit.”

*2% on up to $1,000 in combined spend each quarter, then 1%

Read our full Discover it® Secured Credit Card review.

Self – Credit Builder Account + Secured Visa® Credit Card: Best secured product for establishing credit

Overview: Whether you’re establishing your credit or repairing it, this unique card-and-account combination will help develop healthy credit habits while building a stronger credit mix – all without a credit check or history.

Pros: Besides just earning interest on your “loan” deposit, you’re building credit on both your loan and credit card while other secured cards don’t. This strengthens your credit since 10% of a good credit score comes from a solid credit mix. Plus, you can extend your credit limit based on your account’s savings progress and stay on top of your credit score with credit monitoring and account alerts.

Cons: Since the deposit is a “loan” and isn’t out-of-pocket, you can’t qualify for your card until you make three full consecutive payments and have at least $100 in your account without outstanding fees. On top of the one-time $9 account fee and yearly $25 annual card fee, be careful not to carry a balance since your monthly payments and credit card both carry APRs.

Read more about the Self – Credit Builder Account + Secured Visa® Credit Card.

First Progress Platinum Prestige Mastercard® Secured Credit Card: Best secured credit card for bad credit

Overview: This card doesn’t require a credit history or minimum credit score for approval. Your card use is reported to all three major credit bureaus to help you build credit. Cardholders are required to put down a refundable security deposit of at least $200 to serve as the card’s credit limit.

Pros: The card carries a regular variable APR of 9.99%, which is favorable for a secured credit card.

Cons: There’s a $49 annual fee, which is on the high side for a secured credit card.

Read more about the First Progress Platinum Prestige Mastercard® Secured Credit Card.

Self – Credit Builder Account: Best secured product for getting a small loan

Overview: With this financial product, you basically get a small loan that funds an FDIC-insured certificate of deposit for 12 or for 24 months. Then, once the account’s term ends, you’ve built your credit and your CD unlocks.

Pros: This is a good way to build credit for someone with an iffy score. There’s no hard pull on your credit, and it doesn’t matter where your credit stands when you begin.

Cons: There’s an “administrative fee” that is on a sliding scale, depending on how much you pay into your “account.” So, if you pay $89 a month for 12 months, you pay a $12 administrative fee and you get $1,000 at the end of the year, $68 shy of what you’ve put in, bringing the total finance charge to $80.

Read more about the Self – Credit Builder Account.

Research Methodology

Methodology: We analyzed 228 secured cards to identify the top products available for consumers. Core criteria we considered in our evaluation include:

  • Credit building features: With secured cards, you’ll often find features that can help you boost your credit score. We looked for options that will report your good habits, make it easy to track your score and more.
  • Credit needed: Accessibility is a key selling point for secured cards, so we made sure to find the best choices that allow for all ranges of credit scores. Even if you have no credit history whatsoever, there are secured cards here that can help.
  • Rates and fees: Some cards designed for poor credit scores feature penalizing fees and unfairly high rates. We avoided these as much as possible when selecting our top secured cards.

Other criteria used: Ease of application, ability to increase credit limits, deposit required, other benefits and features, customer service, security, rewards rates.

What are secured cards?

A secured credit card is a financial product designed for a consumer with bad credit or a limited credit history. It requires a refundable deposit in exchange for a credit limit. Most credit cards are unsecured credit cards, which means a security deposit isn’t required, but those aren’t always an option for everyone.

Putting it simply, a secured card is a credit card that requires a cash deposit to start the account. The cash deposit gives card issuers a reason to accept lesser credit scores, and because having a credit card is the easiest and fastest way to build credit, a secured card can be worthwhile. Some even come with rewards and perks on top of the long-term credit opportunity.

How do secured cards work?

To give you a line of credit, lenders want to know that you’re likely to repay what you borrow. In many cases, a positive credit history provides the proof that credit card issuers need. That’s why it can be difficult to get approved for a credit card with a poor or limited credit history. Enter secured credit cards.

Opening a secured account is initiated with a cash deposit, which acts as collateral rather than a balance that you can pull from to pay off your purchases. Once you’ve made your deposit, most secured cards act just like unsecured cards. You can use them to make purchases in person or online, and then routinely pay off those purchases with the ability to build your credit. If you don’t get your balances paid in a timely manner, you’ll face interest charges. In the worst case scenario where you start to default on payments, only then would your issuer start to pull from your deposit.

There is one notable feature often seen with secured cards. Because you provide the card issuer with a security deposit upfront rather than getting in on your creditworthiness, you’ll often see issuers set your credit limit equal to the security deposit you provided. Depending on your financial flexibility, you might be able to deposit more than the minimum to get a higher credit limit when initiating. After getting started, a secured card works like any other card – you have a revolving line of credit that replenishes as you make payments.

With some secured credit cards, you may be automatically considered for a credit line increase after several months of on-time payments. Not only does this give you more purchasing power, but it may also give your credit score a boost. Finally, once your score reaches the “good” range (a FICO score of 670+), you can begin shopping around for a credit card with better rewards, rates and benefits.

Pros and cons of secured cards

Pros of secured cards

  • Grow your credit score. If you’re in the market for a secured card, it’s likely that your credit score could be in better shape. A secured card gives you the opportunity to establish your score with regular reporting to credit bureaus, a key step in boosting your credit as long as you make regular payments.
  • Get into the right habits. Aside from the initial deposit, most secured cards work just like a traditional credit card. Using a secured product the right way will set you up for success when it comes time to upgrade to a better-tier card.
  • Generous acceptance. One benefit of secured cards is that the down payment allows most providers to accept almost anyone as a cardholder. Those who have suffered from bankruptcy or other financial woes have a tool to regain their credit with secured cards.

Cons of secured cards

  • Money needed up front. It might be difficult to come up with the deposit needed to start your secured card account. If the hundreds-of-dollars down payment won’t work for you, there are other cards for poor credit that will allow you to start an account without any money down – an option for those in a tight situation.
  • High fees and rates. As these are cards for those with bad credit, many secured options have high APRs and fees. If you apply for a secured card, be sure you’re prepared to budget your spending and pay off your bills to avoid an expensive mistake.
  • Lack of rewards. Though you can find them with some cash back options here, most cards for bad credit don’t feature rewards. Unfortunately, secured cards are no different.

How to get a secured credit card

If your financial institution offers secured credit cards, you may be able to submit an application in person, by telephone, or through its website. If you’d prefer to see what cards are available outside of your bank or credit union, you can compare offers online, see what cards you may prequalify for and apply independently. Here’s how it works:

  1. Choose a card: First, do a little research to determine which secured card offer best aligns with your budget and spending behaviors. Secured cards may not always give much in the way of frills but that doesn’t mean you can’t land a competitive offer.
  2. Determine your deposit amount: Once you’ve found a secured credit card that feels right for you, you must then decide how much of a deposit you’d like to put down. In most cases, your deposit amount will be equal to your credit limit. It’s tempting to pay the minimum amount required but think honestly about how much you’ll routinely spend. Remember, using too much of your credit line can hurt your score, and a single trip to the supermarket can quickly eat into a $200 card limit.
  3. Apply: Submit your application. The issuer will ask you to provide personal details to confirm your identity such as your Social Security number, income, U.S. mailing address, and other basic information.
  4. Monitor application status: In most cases, the card issuer will reach a decision in a matter of seconds. Sometimes you may have to wait to receive a decision by mail. Many card issuers also allow you to check the status of the application by telephone or by logging on to their website. Once you’ve been approved, you may then pay your deposit amount and the issuer will mail the credit card to you. If the issuer has denied your application, you’ll receive a letter from the issuer explaining the reason for the decision.

What credit score do you need to be approved for a secured credit card?

Because you are not able to spend more than the cash deposit you provide, the issuer’s risk is much lower than it would be lending to someone with an unsecured credit card. For this reason, applicants with minimal or bad credit history are often approved for secured credit cards. To give you a better sense of what constitutes good, fair and bad credit, FICO goes by the following range:

  • Very poor: 300 to 579
  • Fair: 580 to 669
  • Good: 670 to 739
  • Very good: 740 to 799
  • Exceptional: 800 to 850

Your choice in credit card should be based on your personal goals and finances. A secured credit card will require a cash deposit ranging from a few hundred dollars to several thousand. Determine what sort of credit limit makes the most sense for you and how much of an initial deposit that will require. If your card limit is on the lower end of the spectrum and you think you’ll routinely make purchases that eat up the majority of your available credit, understand that this type of high usage can impact your credit score. In these situations, a high limit secured card may be a better option.

Aside from spending habits, you’ll also want to take into consideration any applicable rates and fees such as annual fees and foreign transaction fees, as well as any additional benefits. Though it’s rare, some secured cards do offer rewards, such as the Discover it® Secured Credit Card.

When it comes to selecting a secured credit card, here are a few things you should be particularly wary of:

  • Hidden fees: While some fees are clearly marked in the “Schumer Box” at the top of cards’ rates and fees disclosures, lesser-known fees with credit-builder cards can be mentioned lower in the copy. They can have vague descriptions, such as “copy fee” or “telephone payment fee,” and can pile up fast. Heads up that secured cards can have the most fees.
Источник: https://www.creditcards.com/secured/

Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card

San Diego Schools Must Allow Religious Exemptions from COVID Vaccination So Long as They Allow Exemptions for Pregnant Students

 

There is widespread - and justified - happiness today that justice was done in the Ahmaud Arbery case. The three men who pursued and killed him because of a combination of bigotry and baseless suspicions have been convicted of felony murder and other crimes.

However, understandable celebration of the outcome should not obscure a troubling aspect of the case. The defendants almost avoided being charged because one of them is a former employee of the prosecutor's office. Reason'sBilly Binion explains:

[T]he theatrics from the defense have diverted scrutiny away from the seediness of the original prosecutor, Jackie Johnson, who in September was indicted on criminal charges for violating her oath of office and obstructing police when she allegedly showed the McMichaels favorable treatment and ensured they would not be arrested after Arbery's death.

Such charges against prosecutors are almost unheard of…..

Several months went by before the government applied any rigorous investigation to the case. Johnson, then the Brunswick Judicial Circuit District Attorney, was a big part of that, according to the indictment against her.

The ex-prosecutor, who lost reelection in November 2020, allegedly leveraged her office to "show favor and affection to Greg McMichael," her former employee, during the state's initial probe of the case, and got in the way of law enforcement when she ordered them not to arrest Travis.

After recusing herself, Johnson then recruited Waycross Judicial Circuit District Attorney George E. Barnhill to replace her. But she declined to mention that Barnhill had already been involved: He told police the day after the killing that the three men should not face charges. He also had a conflict of interest, eventually disclosing that his son had worked in Johnson's office alongside McMichael, including on a prior prosecution that Arbery faced. Yet he stayed on the case until April and only resigned at the behest of Arbery's mother once she learned of his potential bias. (As of September, an investigation into Barnhill's conduct was ongoing.)

Indeed, had Arbery's case not received explosive media attention in May 2020, it's possible that both Johnson and Barnhill's prosecutorial malfeasance would have prevented charges from being brought against the men.

As Binion notes, absent the widespread media attention that this case attracted, conniving prosecutors might have succeeded in getting the perpetrators off the hook. What happened here was an extreme case of the broader problem of insider favoritism in the criminal justice system. All too often, law enforcement officials turn a blind eye to wrongdoing in their own ranks, or even (as here) that perpetrated by former employees of their organizations.

The "blue wall of silence" that inhibits many cops from testifying against abusive fellow officers is one example. In New York City and some other jurisdictions, police unions give out "courtesy cards" to friends and relatives of officers, so as to allow these people to escape tickets for traffic violations.

I myself was once a minor beneficiary of law enforcement favoritism. I recounted the story here:

Back in 2001, when I was clerking for the [US Court of Appeals for the] Fifth Circuit in Houston, I was pulled over by a police officer for a minor traffic violation (I thought I wasn't doing anything wrong, but the officer had a different view…). He asked me to show him my license, which I did….[S]ince I was only living in Texas temporarily, I was still using my Massachusetts license. This wasn't good enough for the officer. "Son," he said, "you have to show me a Texas ID."

I suspected that it was not legal for him to require a Texas ID. After all, what happens if he stops a driver from another state who was just passing through? Would he be required to have a Texas ID as well? Nonetheless, I was very reluctant to get into an argument with a cop;… [I]f I pissed him off, he could saddle me with a more expensive ticket, or worse. Instead, I showed him the closest thing I had to a Texas ID: my ID from the Fifth Circuit.

"You work for the Court of Appeals?" the officer asked skeptically. Such a suspicious-looking character couldn't possibly be an employee of the criminal justice system! "Tell me the address of the federal court house," he demanded. After I told the officer the correct address, it dawned on him that I really was a court employee, and not a devious impostor trying to get away with traffic violations. Right away, the tone of the conversation changed, and I was let off with a mild warning (whereas before it seemed fairly clear that he was going to write me a ticket).

The episode shows the favoritism that police sometimes extend to fellow law enforcement employees. Although it had not occurred to me that I could use my exalted status as a law clerk to get out of a ticket, I later learned from other court employees that this kind of police behavior is far from unusual.

Obviously, my case was trivial compared to what almost happened in the Arbery situation. Indeed, the latter was so grave that authorities have taken the highly unusual step of indicting a prosecutor, as a result. But both stories illustrate a broader problem of favoritism in law enforcement.

In fairness, police and prosecutors are far from the only professions who show favoritism to insiders. I'm an academic, and I certainly see such issues in my own industry, as well. But law-enforcement favoritism is particularly troubling, because it often involves literal matters of life and death, or at least cases where people's liberty and property are at stake.

There isn't any simple solution to this problem. The people in the best position to sanction perpetrators of favoritism are usually themselves fellow cops and prosecutors, many of whom are also inclined to favor their own. In this way, law-enforcement favoritism is an obstacle to its own alleviation. But we should at least recognize the ubiquitous nature of the problem, and give greater consideration to possible strategies for reducing it.

Criminal JusticePoliceProsecutorsИсточник: https://reason.com/volokh/
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    San Diego Schools Must Allow Religious Exemptions from COVID Vaccination So Long as They Allow Exemptions for Pregnant Students

     

    There is widespread - and justified - happiness today that justice was done in the Ahmaud Arbery case. The three men who pursued and killed him because of a combination of bigotry and baseless suspicions have been convicted of felony murder and other crimes.

    However, understandable celebration of the outcome should not obscure a troubling aspect of the case. The defendants almost avoided being charged because one of them is a former employee of the prosecutor's office. Reason'sBilly First progress platinum elite mastercard phone number explains:

    [T]he theatrics from the defense have diverted scrutiny away from the seediness of the original prosecutor, Jackie Johnson, who in September was indicted on criminal charges for violating her oath of office and obstructing police when she allegedly showed the Wrightsville beach nc rental houses favorable treatment and ensured they would not be arrested after Arbery's death.

    Such charges against prosecutors are almost unheard of&hellip.

    Several months went by before the government applied any rigorous investigation to the case. Johnson, then the Brunswick Judicial Circuit District Attorney, was a big part of that, according to the indictment against her.

    The ex-prosecutor, who lost reelection in November 2020, allegedly leveraged her office to "show favor and affection to Greg McMichael," her former employee, during the state's initial probe of the case, and got in the way of law enforcement when she ordered them not to arrest Travis.

    After recusing herself, Johnson then recruited Waycross Judicial Circuit District Attorney George E. Barnhill to replace her. But she declined to mention that Barnhill had already been involved: He told police the day after the killing that the three men should not face charges. He also had a conflict of interest, eventually disclosing that his son had worked in Johnson's office alongside McMichael, including on a prior prosecution that Arbery faced. Yet he stayed on the case until April and only resigned at the behest of Arbery's mother once she learned of his potential bias. (As of September, an investigation into Barnhill's conduct was ongoing.)

    Indeed, had Arbery's case not received explosive media attention in May 2020, it's possible that both Johnson and Barnhill's prosecutorial malfeasance would have prevented charges from being brought against the men.

    As Binion notes, absent the widespread media attention that this case attracted, conniving prosecutors might have succeeded in getting the perpetrators off the hook. Regions bank itreasury login happened here was an extreme case of the broader problem of insider favoritism in the criminal justice system. All too often, law enforcement officials turn a blind eye to wrongdoing in their own ranks, or even (as here) that perpetrated by former employees of their organizations.

    The "blue wall of silence" that inhibits many cops from testifying against abusive fellow officers is one example. In New York City and some other jurisdictions, best food delivery service nyc unions give out "courtesy cards" to friends and relatives of officers, so as to allow these people to escape tickets for traffic violations.

    I myself was once a minor beneficiary of law enforcement favoritism. I recounted the story here:

    Back in 2001, when I was clerking for the [US Court of Appeals for the] Fifth Circuit in Houston, I was pulled over by a police officer for a minor traffic violation (I thought First progress platinum elite mastercard phone number wasn't doing anything wrong, but the officer had a different view…). He asked me to show him my first progress platinum elite mastercard phone number, which I did&hellip.[S]ince I was only living in Texas temporarily, I was still using my Massachusetts license. This wasn't good enough for the officer. "Son," he said, "you have to show me a Texas ID."

    I suspected that it was not legal for him to require a Texas ID. After all, what happens if he stops a driver from another state who was just passing through? Would he be required to have a Texas ID as well? Nonetheless, I was very reluctant to get into an argument with a cop;… [I]f I pissed him off, he could saddle me with a more expensive ticket, or worse. Instead, I showed him the closest thing I had to a Texas ID: my ID from the Fifth Circuit.

    "You work for the Court of Appeals?" the officer asked skeptically. Such a suspicious-looking character couldn't possibly be an employee of the criminal justice system! "Tell me the address of the federal court house," he demanded. After I told the officer the correct address, it dawned on him that I really was a court employee, and not a devious impostor trying to get away with traffic violations. Right away, the tone of the conversation changed, and I was let off with a mild warning (whereas before it seemed fairly clear that he was going to write me a ticket).

    The episode shows the favoritism that police sometimes extend to fellow law enforcement employees. Although it had not occurred to me that I could use my exalted status as a law clerk to get out of a ticket, I later learned from other court employees wildfire credit union home banking this kind of police behavior is far from unusual.

    Obviously, my case was trivial compared to what almost happened in the Arbery situation. Indeed, the latter was so grave that authorities have taken the highly unusual step of indicting a prosecutor, as a result. But both stories illustrate a broader problem of favoritism in law enforcement.

    In fairness, police and prosecutors are far from the only professions who show favoritism to insiders. I'm an academic, and I certainly see such issues in my own industry, as well. But law-enforcement favoritism is particularly troubling, because it often involves literal matters of life and death, or at least cases where people's liberty and property are at stake.

    There isn't any simple solution to this problem. The people in the best position to sanction perpetrators of favoritism are usually themselves fellow cops and prosecutors, many of whom are also inclined to favor their own. In this way, law-enforcement favoritism is an obstacle to its own alleviation. But we should at least recognize the ubiquitous nature of the problem, and give greater consideration to possible strategies for reducing it.

    Criminal JusticePoliceProsecutorsИсточник: https://reason.com/volokh/

    Contact First Progress Customer Service

    First Progress Phone Numbers and Emails

    Legal:

    • (800) 695-0987

      Privacy Inquiries

    • (866) 706-5543

    First Progress Email:

    General Info

    More phone numbers and emailsLess phone numbers and emails

    First Progress Contact Information

    First Progress Online Chat:

    Corporate Office Address:

    First Progress

    P.O. Box 9053

    Johnson City,Tennessee37615-9053

    United States

    Edit Business Info

    How to Contact First Progress Customer Service

    Reach First Progress Customer Service Via Phone

    First Progress trustco support can be reached through mailing address, help center, and online customer center. There is no First Progress email address or phone number on the chase bank checking account. However, you can charlotte state bank phone number the First Progress phone number provided on their Facebook page that is (866) 706-5543). Or, use the number you see at the back of your card to get in touch with customer service.

    Reach First Progress Customer Service Via the Website

    The First Progress recommends that customers browse the “About Program” and “FAQ/Help” pages to find standard information about the company and answers to the most common customer questions.

    The About Program page discusses in details the 3 First Progress MasterCards dubbed Prestige, Select, and Elite. It informs about the available credit, annual percentage rate, security interest, minimum deposit requirements, and annual fees associated with each card.

    The FAQ/Help page also provides information regarding the difference between various First Progress cards.

    The First Progress website offers a self-service card application process. However, the online application process is not available in Iowa, Arkansas, Wisconsin, and New York. There is also a secure First Progress customer center where existing customers can log in and check their application status and fund their accounts.

    Reach First Progress Customer Service Via Mail

    First Progress recommends that customers write to them regarding charge disputes, requesting for an expedited credit balance refund check after closing an account, and any other issues. The First Progress address for mailing your correspondence is First Progress Card, P.O. Box 9053, Johnson City, TN 37615-9053.

    Reach First Progress Customer Service Via Social Media

    Although First Progress has a Facebook and Twitter account, there is no recent activity or significant following on both pages. You could send a direct message to First Progress customer support on either or both accounts, but there is no evidence whether the representatives will respond.

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    Summary of First Progress Customer Service Calls

    25K TOTAL
    CALLS

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    25% ISSUES
    RESOLVED

    Top Reasons of Customers Calls

    Consumers Call the Most From

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    Cards Question:

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    Account Question:

    Request for Information Question:

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    • “Questions about a new secured credit card” cash america
    • “Questions about payment”

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    • san jose temperature in september “Want first progress platinum elite mastercard phone number contact customer service”
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    Employment Question:

    • “Pay off card”
    • “To pay off my card and cancel the Card”
    • “Pay off my Balance on my credit card.”

    Return/ Replace Question:

    Product/ Service Question:

    Other Question:

    About

    First Progress Terms of Service

    PLEASE READ THESE FIRST PROGRESS WEB SITE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, THE USER OF WEBSITE AGREE TO BE BOUND BY THE TERMS AND CONDITIONS IN THIS NOTICE. All product and service marks contained herein that are not First Progress marks are the trademarks of their respective owners. References that Website make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not imply any endorsement, sponsorship or recommendation of the third party, information, product or service by First Progress unless www.firstprogress.com specifically inform The Customer otherwise. Linked sites are not under the control of First Progress and First Progress is not responsible for the contents of any linked site or any link contained in a linked site. WHEN THE USER ACCESS A LINKED SITE, THE CUSTOMER'S RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE TERMS AND CONDITIONS OF THE LINKED SITE, INCLUDING ITS PRIVACY POLICY.

    To read more: https://apply.firstprogress.com/terms

    First Progress Privacy Policy

    To read more: https://apply.firstprogress.com/pdfs/first_progress_privacy_policy.pdf

    First Progress FAQ

    This FAQ page has answers to the most common questions about how to build credit fast with First Progress, such as "What is a secured credit card?" and how to apply. Here The Clientll find links to information about the program's APRs, fees, and other terms, along with answers to questions about the application process and how the program works to help Company's cardholders establish first progress platinum elite mastercard phone number history with all three of the major credit bureaus. If The User of company servicesve experienced difficulty finding credit because of a poor or inadequate credit score, First Progress can help. Credit Card was designed to help individuals with credit issues or inadequate credit history to establish a better future. Be sure to visit Company's "About the Program" page as well. First Progress currently offers three different Platinum MasterCard Secured Credit Card options.

    To read more: https://apply.firstprogress.com/faq

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    Summary

    First Progress is a company that specializes in providing various financial services. The company has been in business for more than 5 years and its head office is located in Columbus, GA. First Progress mainly focuses on giving building and re-building credits and mortgages. The company works with U.S. residents only. On top of that First Progress provides a Secured Credit Card Program which is not available in New York, Arkansas, Wisconsin and Iowa states. The company offers various consulting services like toll free consultations and 24/7 online customer support.

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    First Progress is ranked 40 out of 194 in Cards category

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    Worldwide, USA

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    Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

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    A guide to secured credit cards

    If your credit isn’t its best or you are new to credit, your options can be limited. In fact, the New York Federal Reserve reports that in October 2020, 21.3% of consumers were rejected when applying for credit cards. But with a secured card, you can build your credit in a few months so that you can apply for a more rewarding unsecured card.

    Secured cards require a refundable deposit that you are borrowing off of for your available credit limit. In many cases, they may be your only option. But they are a great way to build credit and to develop good payment habits.

    We evaluated more than 200 secured credit cards using such criteria as: rates and fees, deposit amounts, ability to improve credit, customer service, and miscellaneous features and benefits. Below are our top picks for the best secured cards and further information to help you make your decision and improve your credit so you can qualify for even better offers.


    Comparing the best secured card offers

    Credit CardBest For:Minimum Deposit RequiredAnnual Fee
    Capital One Platinum Secured Credit CardNo annual fee$49, $99, or $200$0
    Capital One Quicksilver Secured Cash Rewards Credit CardFlat-rate rewards$200$0
    OpenSky® Secured Visa® Credit CardNo credit check$200$35
    Applied Bank Secured Visa® Gold Preferred® Credit CardLow interest$200$48
    Citi® Secured Mastercard®Building creditMinimum $200$0
    First Progress Platinum Elite Mastercard® Secured Credit CardWide acceptance$200 – $2,000$29
    Surge Secured Mastercard®Fast application process$300$69
    Discover it® Secured Credit CardCash back$200$0
    Self — Credit Builder Account + Secured Visa® Credit CardEstablishing creditSee TermsSee Terms
    First Progress Platinum Prestige Mastercard® Secured Credit CardBad credit$200-$2000$49
    Self — Credit Builder AccountGetting a small loanSee TermsSee Terms

    best secured cards of 2021

    Best Secured Credit Cards of 2021

    Capital One Platinum Secured Credit Card: Best secured credit card for no annual fee

    Overview: This card’s no annual fee makes it a great starter card. Also, the no foreign transaction fee makes it a good card for overseas travel or making purchases on foreign sites.

    Pros: The terms are fairly straightforward, and with responsible use, you could get a higher credit line in as soon as 6 months if you make your first 6 monthly payments on time.

    Cons: The Capital One Platinum Secured Credit Card offers no sign-up bonus or ongoing rewards.

    Read our full Capital One Platinum Secured Credit Card review.

    Capital One Quicksilver Secured Cash Rewards Credit Card: Best for flat-rate rewards

    Overview: This new credit card from Capital One combines consumer-friendly terms, like no annual fee and no foreign transaction fees, with unlimited 1.5% cash back on all purchases – a truly standout rewards program, particularly for a secured credit card.

    Pros: You’ll be automatically considered for a higher credit limit in as little as six months with demonstrated responsible use.

    Cons: If you’re trying to rebuild your credit and have mismanaged credit cards before, the opportunity to earn rewards could ultimately prove distracting. You might be better served by a no-frills secured credit, like the Capital One Platinum Secured Credit Card.

    Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.

    OpenSky® Secured Visa® Credit Card: Best secured credit card for no credit check

    Overview: Unlike most credit cards, the OpenSky First progress platinum elite mastercard phone number Visa doesn’t require a credit check to apply. Also, you can build your credit history quickly because the card issuer reports to all three credit bureaus.

    Pros: No credit check is required with the OpenSky Secured Visa, which is a rarity for credit cards.

    Cons: There’s an annual fee, as well as fees for foreign transactions, inactivity and garnishment.

    Read our full OpenSky® Secured Visa® Credit Card review.

    Applied Bank Secured Visa® Gold Preferred® Credit Card: Best secured credit card for low interest

    Overview: There’s no intro 0% offer, but this low interest card comes with a top-of-the-line fixed APR: 9.99% for cardholders, and it won’t increase even if you’re late with a payment.

    Pros: There’s no minimum score or credit check required in the application process. Also, your credit card habits will be reported to major credit bureaus Experian, Equifax and TransUnion – a perk that can really help boost your credit score.

    Cons: The card comes with a $48 annual fee on top of the required refundable deposit. Plus, there are no rewards to be jared comenity bank phone number here.

    Read more about the Applied Bank Secured Visa® Gold Preferred® Credit Card.

    Citi® Secured Mastercard®: Best secured credit card for building credit

    Overview: Unlike a debit card, the Citi Secured Mastercard helps build your credit history because the issuer reports to all three major credit bureaus each month. Also, you may get free access to your FICO score online.

    Pros: There is no annual fee which is always a plus.

    Cons: The security deposit to get started with this card can vary from $200-$2,500 based on your credit qualifications. Also, like most other secured cards, there is no rewards program with the Citi Secured Mastercard.

    Read our full Citi® Secured Mastercard® review.

    First Progress Platinum Elite Mastercard® Secured Credit Card: Best secured credit card for wide acceptance

    Overview: Because the First Progress Platinum Elite is a Mastercard, it is widely accepted, making it a great go-to card for the traveler. (Note: You will pay a foreign transaction fee when using the card overseas.)

    Pros: This card has a new expedited processing option, which is handy if you are looking to get your new card quickly. Also, the First Progress Platinum Elite Mastercard Secured Credit Card doesn’t require a minimum score or credit history.

    Cons: While not as bad as others, this card’s fees can be onerous. It carries an annual fee of $29 and a variable APR of 19.99%.

    Read more about the First Progress Platinum Elite Mastercard® Secured Credit Card.

    Surge Secured Mastercard®: Best secured credit card for fast application process

    Overview: The Surge Secured Mastercard promises a fast and easy application process with results in seconds and, given its low barrier to entry from a credit standpoint, is an option for people with bad credit.

    Pros: It’s one of the few secured cards on the markets that offers rewards (1% cash back on all purchases). Card use is reported to all three credit bureaus and you’ll get free access to your Vantage 3.0 score from Experian when you sign up for e-statements.

    Cons: The ability to earn rewards might distract some cardholders from their credit-building goals, so you’ll want to be careful not to overspend in an attempt to earn cash back. Also, the card touts a number of high fees, including a $69 annual fee, up to a $40 late payment fee and a $30 additional card fee.

    Read more about the Surge Secured Mastercard®.

    Discover it® Secured Credit Card: Best secured credit card for cash back

    Overview: Earn 2% back at gas stations and restaurants for up to $1,000 in combined spend each quarter (then 1% cash back); plus, Discover will match your cash back at the end of your first year. That means, if you spend $300 a month at restaurants and gas stations, you will earn $6 a month, plus $72 at the end of your first year for the Cashback Match, coming to $144.

    Pros: With no annual fee and rewards to boot, this secured product offers another reason why it’s a good card for the long haul – Discover will automatically review your account after eight months to see if they can transition you to an unsecured card.

    Cons: There’s a lot to love about this card, but the regular APR is not one of them. Higher than the average APR for credit cards, which is 16.21%, the Discover it Secured Credit Card’s variable APR is one of the highest among secured cards.

    From our expert: wells fargo atencion al cliente representante Discover it Secured card is noteworthy because it offers rewards – a rarity among secured cards,” says CreditCards.com Industry Analyst Ted Rossman. “With no annual fee and 2% cash back* at restaurants and gas stations and 1% everywhere else, this card is a compelling introduction into the world of credit.”

    *2% on up to $1,000 in combined spend each quarter, then 1%

    Read our full Discover it® Secured Credit Card review.

    Self – Credit Builder Account + Secured Visa® Credit Card: Best secured product for establishing credit

    Overview: Whether you’re establishing your credit or repairing it, this unique card-and-account combination will help develop healthy credit habits while building a stronger credit mix – all without a credit check or history.

    Pros: Besides just earning interest on your “loan” deposit, you’re building credit on both your loan and credit card while other secured cards don’t. This strengthens your credit since 10% of a good credit score comes from a solid credit mix. Plus, you can extend your credit limit based on your account’s savings progress and stay on top of your credit score with credit monitoring and account alerts.

    Cons: Since the deposit is a “loan” and isn’t out-of-pocket, you can’t qualify for your card until you make three full consecutive payments and have at least $100 in your account without outstanding fees. On top of the one-time $9 account fee and yearly $25 annual card fee, be careful not to carry a balance since your monthly payments and credit card both carry APRs.

    Read more about the Self – Credit Builder Account + Secured Visa® Credit Card.

    First Progress Platinum Prestige Mastercard® Secured Credit Card: Best secured credit card for bad credit

    Overview: This card doesn’t require a credit history or minimum credit score for approval. Your card use is reported to all three major credit bureaus to help you build credit. Cardholders are required to put down a refundable security deposit of at least $200 to serve as the rbc capital markets research credit limit.

    Pros: The card carries a regular variable APR of 9.99%, which is favorable for a secured credit card.

    Cons: There’s a $49 annual fee, which is on the high side for a secured credit card.

    Read more about the First Progress Platinum Prestige Mastercard® Secured Credit Card.

    Self – Credit Builder Account: Best secured product for getting a small loan

    Overview: With this financial product, you basically get a small loan that funds an FDIC-insured certificate of deposit for 12 or for 24 months. Then, once the account’s term ends, you’ve built your credit and your CD unlocks.

    Pros: This is a good way to build credit for someone with an iffy score. There’s no hard pull on your credit, and it doesn’t matter where your credit stands when you begin.

    Cons: There’s can u use apple pay on amazon “administrative fee” that is on a sliding scale, depending on how much you pay into your “account.” So, if you pay $89 a month for 12 months, you pay a $12 administrative fee and you get $1,000 at the end of the year, $68 shy of what you’ve put in, bringing the total finance charge to $80.

    Read more about the Self – Credit Builder Account.

    Research Methodology

    Methodology: We analyzed 228 secured cards to identify the top products available for consumers. Core criteria we considered in our evaluation include:

    • Credit building features: With secured cards, you’ll often find features that can help you boost your credit score. We looked for options that will report your good habits, make it easy to track your score and more.
    • Credit needed: Accessibility is a key selling point for secured cards, so we made sure to find the best choices that allow for all ranges of credit scores. Even if you have no credit history whatsoever, there are secured cards here that can help.
    • Rates and fees: Some cards designed for poor credit scores feature penalizing fees and unfairly high rates. We avoided these as much as possible when selecting our top secured cards.

    Other criteria used: Ease of application, ability to increase credit limits, deposit required, other benefits and features, customer service, security, rewards rates.

    What are secured cards?

    A secured credit card is a financial product designed for a consumer with bad credit or a limited credit history. It requires a refundable deposit in exchange for a credit limit. Most credit cards are unsecured credit cards, which means a security deposit isn’t required, but those aren’t always an option for everyone.

    Putting it simply, a secured card is a credit card that requires a cash deposit to start the account. The cash deposit gives card issuers a reason to accept lesser credit scores, and because having a credit card is the easiest and fastest way to build credit, a secured card can be worthwhile. Some even come with rewards and perks on top of the long-term credit opportunity.

    How do secured cards work?

    To give you a line of credit, lenders want to know that you’re likely to repay what you borrow. In many cases, a positive credit history provides the proof that credit card issuers need. That’s why it can be difficult to get approved for a credit card with a poor or limited credit history. Enter secured credit cards.

    Opening a secured account is initiated with a cash deposit, which acts as collateral rather than a balance that you can pull from to pay off your purchases. Once you’ve made your deposit, most secured cards act just like unsecured cards. You can use them to make purchases in person or online, and then routinely pay off those purchases with the ability to build your credit. If you don’t get your balances paid in a timely manner, you’ll face interest charges. In the worst case scenario where you start to default on payments, only then would your issuer start to pull from your deposit.

    There is one notable feature often seen with secured cards. Because you provide the card issuer with a security deposit upfront rather than getting in on your creditworthiness, you’ll often see issuers set your credit limit equal to the security deposit you provided. Depending on your financial flexibility, you might be able to deposit more than the minimum to get a higher credit limit when initiating. After getting started, a secured card works like any other card – you have a revolving line of credit that replenishes as you make payments.

    With some secured credit cards, you may be automatically considered for a credit line increase after several months of on-time payments. Not only does this give you more purchasing power, but it may also give your credit score a boost. Finally, once your score reaches the “good” range (a FICO score of 670+), you can begin shopping around for a credit card with better rewards, rates and benefits.

    Pros and cons of secured cards

    Pros of secured cards

    • Grow your credit score. If you’re in the market for a secured card, it’s likely that your credit score could be in better shape. A secured card gives you the opportunity cheap beach rentals in delaware establish your score with regular reporting to credit bureaus, a key step in boosting your credit as long as you make regular payments.
    • Get into the right habits. Aside from the initial deposit, most secured cards work just like a traditional credit card. Using a secured product the right way will set you up for success when it comes time to upgrade to a better-tier card.
    • Generous acceptance. One benefit bancnet atm machine near me secured cards is that the down payment allows most providers to accept almost anyone as a cardholder. Those who have suffered from bankruptcy or other financial woes have a tool to regain their credit with secured cards.

    Cons of secured cards

    • Money needed up front. It might be difficult to come up with the deposit needed to start your secured card account. If the hundreds-of-dollars down payment won’t work for you, there are other cards for poor credit that will allow you to start an account without any money down – an option for those in a tight situation.
    • High fees and rates. As these are cards for those with bad credit, many secured options have high APRs and fees. If you apply for a secured card, be sure you’re prepared to budget your spending and pay off your bills to avoid an expensive mistake.
    • Lack of rewards. Though you can find them with some cash back options here, most cards for bad credit don’t feature rewards. Unfortunately, secured cards are no different.

    How to get a secured credit card

    If your financial institution offers secured credit cards, you may be able to submit an application in person, by telephone, or through its website. If you’d prefer to see what cards are available outside of your bank or credit union, you can compare offers online, see what cards you may prequalify for and apply independently. Here’s how it works:

    1. Choose a card: First, do a little research to determine which secured card offer best aligns with your budget and spending behaviors. Secured cards may not always give much in the way of frills but that doesn’t mean you can’t land a competitive offer.
    2. Determine your deposit amount: Once you’ve found a secured credit card that feels right for you, you must then decide how much of a deposit you’d like to put down. In most cases, your deposit amount will be equal to your credit limit. It’s tempting to pay the minimum amount required but think honestly about how much you’ll routinely spend. Remember, using too much of your credit line can hurt your score, and a single trip to the supermarket can quickly eat into a $200 card limit.
    3. Apply: Submit your application. The issuer will ask you to provide personal details to confirm your identity such as your Social Security number, income, U.S. mailing address, and other basic information.
    4. Monitor application status: In most cases, the card issuer will reach a decision in a matter of seconds. Sometimes you may have to wait to receive a decision by mail. Many card issuers also allow you to check the status of the application by telephone or by logging on to their website. Once you’ve been approved, you may then pay your deposit amount and the issuer will mail the credit card to you. If the issuer has denied your application, you’ll receive a letter from the issuer explaining the reason for the decision.

    What credit score do you need to be approved for a secured credit card?

    Because you are not able to spend more than the cash deposit you provide, the issuer’s risk is much lower than it would be lending to someone with an unsecured credit card. For this reason, applicants with minimal or bad credit history are often approved for secured credit cards. To give you a better sense of what constitutes good, fair and bad credit, FICO goes by the following range:

    • Very poor: 300 to 579
    • Fair: 580 to 669
    • Good: 670 to 739
    • Very good: 740 to 799
    • Exceptional: 800 to 850

    Your choice in credit card should be based what to do for a dog ear infection home remedy your personal goals and finances. A secured credit card will require a cash deposit ranging from a few hundred dollars to several thousand. Determine what sort of credit limit makes the most sense for you and how much of an initial deposit that will require. If your card limit is on the lower end first progress platinum elite mastercard phone number the spectrum and you think you’ll routinely make purchases that eat up the majority of your available wells fargo bank routing number houston texas, understand that this type of high usage can impact your credit score. In these situations, a high limit secured card may be a better option.

    Aside from spending habits, you’ll also want to take into consideration any applicable rates and fees such as annual fees and foreign transaction fees, as well as any additional benefits. Though it’s rare, some secured cards do offer rewards, such as the Discover it® Secured Credit Card.

    When it comes to selecting a secured credit card, here are a few things you should be particularly wary of:

    • Hidden fees: While some fees are clearly marked in the “Schumer Box” at the top of cards’ rates and fees disclosures, lesser-known fees with credit-builder cards can be mentioned lower in the copy. They can have vague descriptions, such as “copy fee” or “telephone payment fee,” and what rating is peoples trust insurance company pile up fast. Heads up that secured cards can have the most fees.
    Источник: https://www.creditcards.com/secured/

    Start Building Your Credit

    Start Building Your Credit

    First Progress Card

    The First Progress Mastercard is a full-featured credit-card with a credit line based on a refundable security deposit instead of your credit score. The card reports to all three credit bureaus every month to help establish or re-establish new credit history.

    Apply Now

    First Progress CardFirst Progress Card
    Arrow background
    No Credit History or Minimum Credit Score Required for Approval
    If you qualify for one of our Secured Credit Cards, you would also qualify for either of the other two.

    Note that the First Progress Card is a genuine, full-feature account with a revolving credit line based on your refundable security deposit. You will need a bank account in order to make monthly payments on your new card account to avoid having to incur separate costs imposed by outside payment vendors.

    Platinum Prestige Mastercard
    Secured Credit Card

    Platinum Prestige Card

    Apply Now

    9.99% Variable APR for Purchases

    $49 Annual Fee

    18.99% Variable APR for Cash Advances

    • No Minimum Credit Score
    • No Credit History Required
    • Accepted Nationwide

    The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

    Platinum Select Mastercard
    Secured Credit Card

    Platinum Select Card

    Apply Now

    13.99% Variable APR for Purchases

    $39 Annual Fee

    19.99% Variable APR for Cash Advances

    • No Minimum Credit Score
    • No Credit History Required
    • Accepted Nationwide

    The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater Important Disclosures

    Platinum Elite Mastercard
    Secured Credit Card

    Platinum Elite Card

    Apply Now

    19.99% Variable APR for Purchases

    $29 Annual Fee

    24.99% Variable APR for Cash Advances

    • No Minimum Credit Score
    • No Credit History Required
    • Accepted Nationwide

    The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater dog friendly restaurants solana beach ca Important Disclosures

    The First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC

    Preloader

    We offer three Mastercard Secured Credit Card Options:

    No Credit History or Minimum Credit Score Required for Approval. If you qualify for one of our Secured Credit Cards, you would also qualify for either of the other two

    Platinum Prestige Mastercard
    Secured Credit Card

    Platinum Prestige Mastercard

    Apply Now

    Annual Percentage Rates (APRs)

    9.99%

    Variable APR for Purchases

    18.99% Variable APR for Cash Advances

    The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater
    • No minimum credit score
    • No credit history required

    See important disclosures for additional information on rates, fees and other cost information

    Important DisclosuresApply Now

    Platinum Select Mastercard
    Secured Credit Card

    Platinum <a href=Regions stock dividend Mastercard">

    Apply Now

    Annual Percentage Rates (APRs)

    13.99%

    Variable APR for Purchases

    19.99% Variable APR for Cash Advances

    The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater
    • No minimum credit score
    • No credit history required

    See important disclosures for additional information on rates, fees and other cost information

    Important DisclosuresApply Now

    Platinum Elite Mastercard
    Secured Credit Card

    Platinum Elite Mastercard

    Apply Now

    Annual Percentage Rates (APRs)

    19.99%

    Variable APR for Purchases

    24.99% Variable APR for Cash Advances

    The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater
    • No minimum credit score
    • No credit history required

    See important disclosures for additional information on rates, fees and other cost information

    Important DisclosuresApply Now

    Check Your Application Status

    To lookup a recent application or to provide the refundable Security Deposit so you can activate your new account, please enter your information below:

    Multiple applications were found.

    Please select the application you would like to check:

    Application TypeSubmitted OnInfo Link

    This is the final step to a great secured credit card

    To provide your refundable security deposit and activate your new First Progress Mastercard, please enter your 16-digit card number

    You will be transferred to our Secure Payment Page to complete your deposit.

    Don't have your card yet? Click here to find your application if you do not yet have your account number.

    Источник: https://www.firstprogress.com/

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      Sustainable Organization Static mobile image
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      2021 Letter to Shareholders

      Julie Sweet reflects on a truly extraordinary year


      2021 Letter to Shareholders

      Julie Sweet reflects on a truly extraordinary year


      Voices of
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      Your career is about what you want to be and who you want to be. It’s about bringing your skills, your curiosity and your best true self to your work.
      Here, you’ll match your ingenuity with the latest technology to make incredible things.
      Together, let’s create positive, long-lasting value.

      Join us


      Come join us

      At the heart of every great change is a great human.

      Your career is about what you want to be and who you want to be. It’s about bringing your skills, your curiosity and your best true self to your work.

      Here, you’ll match your ingenuity with the latest technology to make incredible things.

      Let’s create something together.


      Case studies & stories

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      Let there be
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      “Across the globe, one thing is universally true of the people of Accenture: We care deeply about what we do and the impact we have with our clients and communities. It is personal to all of us.”

      Julie Sweet
      Chair & CEO


      see how we work with clients

      When you work
      with us


      change becomes the most dynamic, powerful source of progress you have

      “Across the globe, one thing is universally true of the people of Accenture: We care deeply about what we do and the impact we have with our clients and communities. It is personal to all of us.”

      Julie Sweet
      Chair & CEO


      see how we work with clients



      Let there
      be change




      There is already a separate, active Accenture Careers account with the same email address as your LinkedIn account email address. Please try logging in with your registered email address and password. You can then update your LinkedIn sign-in connection through the Edit Profile section.

      Источник: https://www.accenture.com/us-en

      First progress platinum elite mastercard phone number -

        Sustainable Organization Static mobile image
        A Career with Purpose mobile image

        2021 Letter to Shareholders

        Julie Sweet reflects on a truly extraordinary year


        2021 Letter to Shareholders

        Julie Sweet reflects on a truly extraordinary year


        Voices of
        Change

        From insights to action, the path to 360° value starts here.

        Voices of change

        From insights to action, the path to 360° value starts here.


        Strategy

        Building mergers and acquisitions strength

        Learn how serial dealmakers often outperform less frequent acquirers as measured through weighted TSR.


        Software Engineering

        The Automation Advantage

        Explore the first-ever comprehensive book for how to use and scale AI-powered intelligent automation.


        Sustainability

        UNGC-Accenture CEO Study on Sustainability

        Our latest report discusses the urgent opportunities and challenges for leaders to address the climate crisis.


        Banking

        Banking Cloud Altimeter

        Explore latest research, ideas and insights affecting the big strategic decisions for banks navigating the cloud.





        Your career is about what you want to be and who you want to be. It’s about bringing your skills, your curiosity and your best true self to your work.
        Here, you’ll match your ingenuity with the latest technology to make incredible things.
        Together, let’s create positive, long-lasting value.

        Join us


        Come join us

        At the heart of every great change is a great human.

        Your career is about what you want to be and who you want to be. It’s about bringing your skills, your curiosity and your best true self to your work.

        Here, you’ll match your ingenuity with the latest technology to make incredible things.

        Let’s create something together.


        Case studies & stories

        We work together across the globe to make a world of difference.

        scroll left

        Data & Analytics

        Banking on data

        Siam Commercial bank reimagined data to drive value for consumers, optimize operations and fuel future growth.

        Data & Analytics

        Banking on data

        Siam Commercial bank reimagined data to drive value for consumers, optimize operations and fuel future growth.

        scroll right

        Shared success stories


        We work together across the globe to make a world of difference.

        Consumer Goods & Services

        Banking on data

        Siam Commercial bank reimagined data to drive value for consumers, optimize operations and fuel future growth.


        Salesforce

        Saving ecosystems and inspiring next-gen gardeners

        A Salesforce-enabled ecommerce platform connects wildlife enthusiasts with native plants.


        Health

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        The UK’s National Health Service migrated 2.1 million mailboxes to the cloud as part of a journey to reinvent healthcare delivery.


        Banking

        Tim Hortons serves up loyalty

        The Tims Rewards program furthers the iconic chain’s goal of becoming a beloved global restaurant brand.


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        Sustainability

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        Let there be
        change

        “Across the globe, one thing is universally true of the people of Accenture: We care deeply about what we do and the impact we have with our clients and communities. It is personal to all of us.”

        Julie Sweet
        Chair & CEO


        see how we work with clients

        When you work
        with us


        change becomes the most dynamic, powerful source of progress you have

        “Across the globe, one thing is universally true of the people of Accenture: We care deeply about what we do and the impact we have with our clients and communities. It is personal to all of us.”

        Julie Sweet
        Chair & CEO


        see how we work with clients



        Let there
        be change




        There is already a separate, active Accenture Careers account with the same email address as your LinkedIn account email address. Please try logging in with your registered email address and password. You can then update your LinkedIn sign-in connection through the Edit Profile section.

        Источник: https://www.accenture.com/us-en

        HSBC Group corporate website

        Fidelity® Rewards Visa Signature® Card

        We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

        1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

        2.

        Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

        3.

        To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

        4.

        Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

        5. Certain restrictions apply to each benefit. Details accompany new account materials.

        6.

        Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

        7.

        Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

        8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

        The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

        Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

        "Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

        Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

        Google, Google Pay and the Google Logo are trademarks of Google LLC.

        ©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

        © 2021 The Kiplinger Washington Editors. Used under License.

        Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

        The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

        Fidelity® and Elan Financial Services are separate companies.

        Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

        Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

        Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

        Источник: https://www.fidelity.com/cash-management/visa-signature-card

        Contact First Progress Customer Service

        First Progress Phone Numbers and Emails

        Legal:

        • (800) 695-0987

          Privacy Inquiries

        • (866) 706-5543

        First Progress Email:

        General Info

        More phone numbers and emailsLess phone numbers and emails

        First Progress Contact Information

        First Progress Online Chat:

        Corporate Office Address:

        First Progress

        P.O. Box 9053

        Johnson City,Tennessee37615-9053

        United States

        Edit Business Info

        How to Contact First Progress Customer Service

        Reach First Progress Customer Service Via Phone

        First Progress customer support can be reached through mailing address, help center, and online customer center. There is no First Progress email address or phone number on the website. However, you can dial the First Progress phone number provided on their Facebook page that is (866) 706-5543). Or, use the number you see at the back of your card to get in touch with customer service.

        Reach First Progress Customer Service Via the Website

        The First Progress recommends that customers browse the “About Program” and “FAQ/Help” pages to find standard information about the company and answers to the most common customer questions.

        The About Program page discusses in details the 3 First Progress MasterCards dubbed Prestige, Select, and Elite. It informs about the available credit, annual percentage rate, security interest, minimum deposit requirements, and annual fees associated with each card.

        The FAQ/Help page also provides information regarding the difference between various First Progress cards.

        The First Progress website offers a self-service card application process. However, the online application process is not available in Iowa, Arkansas, Wisconsin, and New York. There is also a secure First Progress customer center where existing customers can log in and check their application status and fund their accounts.

        Reach First Progress Customer Service Via Mail

        First Progress recommends that customers write to them regarding charge disputes, requesting for an expedited credit balance refund check after closing an account, and any other issues. The First Progress address for mailing your correspondence is First Progress Card, P.O. Box 9053, Johnson City, TN 37615-9053.

        Reach First Progress Customer Service Via Social Media

        Although First Progress has a Facebook and Twitter account, there is no recent activity or significant following on both pages. You could send a direct message to First Progress customer support on either or both accounts, but there is no evidence whether the representatives will respond.

        Read More
        More information

        First Progress Rating Based on 1.1K Reviews

        Rating details

        Product or Service Quality

        Rating Details

        Product or Service Quality

        Diversity of Products or Services

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        All 1.9K First Progress reviews

        Summary of First Progress Customer Service Calls

        25K TOTAL
        CALLS

        03:06 AVG CALL
        DURATION

        25% ISSUES
        RESOLVED

        Top Reasons of Customers Calls

        Consumers Call the Most From

        Why Do People Call First Progress Customer Service?

        Cards Question:

        • “Too see where my credit card”
        • “Card was charged”
        • “Card issues”

        Payments and Charges Question:

        • “Pay bill”
        • “Billing”
        • “Should not have been billed”

        Account Question:

        • “Im Trying to close my account”
        • “Account balance”
        • “New to creating account, birthday says its wrong”

        Request for Information Question:

        • “Talk about a payment”
        • “Questions about a new secured credit card”
        • “Questions about payment”

        Shipping and Delivery Question:

        • “Me aprovaron una tarjeta de credito en enero de este año pero la tarjeta no me ha llegado.”
        • “Didn't receive card”
        • “Did not recieve card”

        Activation/ Cancellation Question:

        • “Cancel account”
        • “I would like to cancel my card”
        • “Cancellation”

        Website/ Application Question:

        • “Application status”
        • “New application”
        • “My existing application”

        Refund Question:

        • “Says an error with my refundable security deposit but won't let me finish application instead asks me if I want to start a second application.”
        • “Refund my deposit”
        • “Refund question”

        Staff Question:

        • “Customer service”
        • “Want to contact customer service”
        • “To try Customer Service”

        Employment Question:

        • “Pay off card”
        • “To pay off my card and cancel the Card”
        • “Pay off my Balance on my credit card.”

        Return/ Replace Question:

        • “Need to change an address”
        • “Replacement of bank card”
        • “To change address”

        Product/ Service Question:

        • “Pin not working”
        • “My money I earned from work how can I get it off the card”
        • “Order a new card”

        Other Question:

        • “Late fee”
        • “Personal”
        • “They took my money”

        About

        First Progress Terms of Service

        PLEASE READ THESE FIRST PROGRESS WEB SITE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, THE USER OF WEBSITE AGREE TO BE BOUND BY THE TERMS AND CONDITIONS IN THIS NOTICE. All product and service marks contained herein that are not First Progress marks are the trademarks of their respective owners. References that Website make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not imply any endorsement, sponsorship or recommendation of the third party, information, product or service by First Progress unless www.firstprogress.com specifically inform The Customer otherwise. Linked sites are not under the control of First Progress and First Progress is not responsible for the contents of any linked site or any link contained in a linked site. WHEN THE USER ACCESS A LINKED SITE, THE CUSTOMER'S RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE TERMS AND CONDITIONS OF THE LINKED SITE, INCLUDING ITS PRIVACY POLICY.

        To read more: https://apply.firstprogress.com/terms

        First Progress Privacy Policy

        To read more: https://apply.firstprogress.com/pdfs/first_progress_privacy_policy.pdf

        First Progress FAQ

        This FAQ page has answers to the most common questions about how to build credit fast with First Progress, such as "What is a secured credit card?" and how to apply. Here The Clientll find links to information about the program's APRs, fees, and other terms, along with answers to questions about the application process and how the program works to help Company's cardholders establish credit history with all three of the major credit bureaus. If The User of company servicesve experienced difficulty finding credit because of a poor or inadequate credit score, First Progress can help. Credit Card was designed to help individuals with credit issues or inadequate credit history to establish a better future. Be sure to visit Company's "About the Program" page as well. First Progress currently offers three different Platinum MasterCard Secured Credit Card options.

        To read more: https://apply.firstprogress.com/faq

        Top First Progress Services

        Customer Care, Shipping Service, Card Activation

        Top First Progress Products

        Credit Card, Account, Deposit

        First Progress Pros and Cons

        Pros: Idea of rebuiding my credit, I was hoping to rebuild my credit, Building credit, Only the fact that they offered me a card to rebuild my credit, Build credit

        Cons: Difficulty in reaching support for help, No customer service contact email phone or chat, Everything about my experience was horrible, Hard to contact, Impossibility of reaching a representative for answers

        Summary

        First Progress is a company that specializes in providing various financial services. The company has been in business for more than 5 years and its head office is located in Columbus, GA. First Progress mainly focuses on giving building and re-building credits and mortgages. The company works with U.S. residents only. On top of that First Progress provides a Secured Credit Card Program which is not available in New York, Arkansas, Wisconsin and Iowa states. The company offers various consulting services like toll free consultations and 24/7 online customer support.

        First Progress reviews and complaints

        First Progress is ranked 40 out of 194 in Cards category

        Area Served

        Worldwide, USA

        Payment Methods

        VISAMasterCard

        Edit Description

        Compare First Progress To

        Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

        Источник: https://first-progress.pissedconsumer.com/customer-service.html

        All information about Green Dot primor Mastercard Gold Secured Credit Card, Green Dot primor Visa Classic Secured Credit Card, and Green Dot primor Visa Gold Secured Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.


        A guide to secured credit cards

        If your credit isn’t its best or you are new to credit, your options can be limited. In fact, the New York Federal Reserve reports that in October 2020, 21.3% of consumers were rejected when applying for credit cards. But with a secured card, you can build your credit in a few months so that you can apply for a more rewarding unsecured card.

        Secured cards require a refundable deposit that you are borrowing off of for your available credit limit. In many cases, they may be your only option. But they are a great way to build credit and to develop good payment habits.

        We evaluated more than 200 secured credit cards using such criteria as: rates and fees, deposit amounts, ability to improve credit, customer service, and miscellaneous features and benefits. Below are our top picks for the best secured cards and further information to help you make your decision and improve your credit so you can qualify for even better offers.


        Comparing the best secured card offers

        Credit CardBest For:Minimum Deposit RequiredAnnual Fee
        Capital One Platinum Secured Credit CardNo annual fee$49, $99, or $200$0
        Capital One Quicksilver Secured Cash Rewards Credit CardFlat-rate rewards$200$0
        OpenSky® Secured Visa® Credit CardNo credit check$200$35
        Applied Bank Secured Visa® Gold Preferred® Credit CardLow interest$200$48
        Citi® Secured Mastercard®Building creditMinimum $200$0
        First Progress Platinum Elite Mastercard® Secured Credit CardWide acceptance$200 – $2,000$29
        Surge Secured Mastercard®Fast application process$300$69
        Discover it® Secured Credit CardCash back$200$0
        Self — Credit Builder Account + Secured Visa® Credit CardEstablishing creditSee TermsSee Terms
        First Progress Platinum Prestige Mastercard® Secured Credit CardBad credit$200-$2000$49
        Self — Credit Builder AccountGetting a small loanSee TermsSee Terms

        best secured cards of 2021

        Best Secured Credit Cards of 2021

        Capital One Platinum Secured Credit Card: Best secured credit card for no annual fee

        Overview: This card’s no annual fee makes it a great starter card. Also, the no foreign transaction fee makes it a good card for overseas travel or making purchases on foreign sites.

        Pros: The terms are fairly straightforward, and with responsible use, you could get a higher credit line in as soon as 6 months if you make your first 6 monthly payments on time.

        Cons: The Capital One Platinum Secured Credit Card offers no sign-up bonus or ongoing rewards.

        Read our full Capital One Platinum Secured Credit Card review.

        Capital One Quicksilver Secured Cash Rewards Credit Card: Best for flat-rate rewards

        Overview: This new credit card from Capital One combines consumer-friendly terms, like no annual fee and no foreign transaction fees, with unlimited 1.5% cash back on all purchases – a truly standout rewards program, particularly for a secured credit card.

        Pros: You’ll be automatically considered for a higher credit limit in as little as six months with demonstrated responsible use.

        Cons: If you’re trying to rebuild your credit and have mismanaged credit cards before, the opportunity to earn rewards could ultimately prove distracting. You might be better served by a no-frills secured credit, like the Capital One Platinum Secured Credit Card.

        Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.

        OpenSky® Secured Visa® Credit Card: Best secured credit card for no credit check

        Overview: Unlike most credit cards, the OpenSky Secured Visa doesn’t require a credit check to apply. Also, you can build your credit history quickly because the card issuer reports to all three credit bureaus.

        Pros: No credit check is required with the OpenSky Secured Visa, which is a rarity for credit cards.

        Cons: There’s an annual fee, as well as fees for foreign transactions, inactivity and garnishment.

        Read our full OpenSky® Secured Visa® Credit Card review.

        Applied Bank Secured Visa® Gold Preferred® Credit Card: Best secured credit card for low interest

        Overview: There’s no intro 0% offer, but this low interest card comes with a top-of-the-line fixed APR: 9.99% for cardholders, and it won’t increase even if you’re late with a payment.

        Pros: There’s no minimum score or credit check required in the application process. Also, your credit card habits will be reported to major credit bureaus Experian, Equifax and TransUnion – a perk that can really help boost your credit score.

        Cons: The card comes with a $48 annual fee on top of the required refundable deposit. Plus, there are no rewards to be earned here.

        Read more about the Applied Bank Secured Visa® Gold Preferred® Credit Card.

        Citi® Secured Mastercard®: Best secured credit card for building credit

        Overview: Unlike a debit card, the Citi Secured Mastercard helps build your credit history because the issuer reports to all three major credit bureaus each month. Also, you may get free access to your FICO score online.

        Pros: There is no annual fee which is always a plus.

        Cons: The security deposit to get started with this card can vary from $200-$2,500 based on your credit qualifications. Also, like most other secured cards, there is no rewards program with the Citi Secured Mastercard.

        Read our full Citi® Secured Mastercard® review.

        First Progress Platinum Elite Mastercard® Secured Credit Card: Best secured credit card for wide acceptance

        Overview: Because the First Progress Platinum Elite is a Mastercard, it is widely accepted, making it a great go-to card for the traveler. (Note: You will pay a foreign transaction fee when using the card overseas.)

        Pros: This card has a new expedited processing option, which is handy if you are looking to get your new card quickly. Also, the First Progress Platinum Elite Mastercard Secured Credit Card doesn’t require a minimum score or credit history.

        Cons: While not as bad as others, this card’s fees can be onerous. It carries an annual fee of $29 and a variable APR of 19.99%.

        Read more about the First Progress Platinum Elite Mastercard® Secured Credit Card.

        Surge Secured Mastercard®: Best secured credit card for fast application process

        Overview: The Surge Secured Mastercard promises a fast and easy application process with results in seconds and, given its low barrier to entry from a credit standpoint, is an option for people with bad credit.

        Pros: It’s one of the few secured cards on the markets that offers rewards (1% cash back on all purchases). Card use is reported to all three credit bureaus and you’ll get free access to your Vantage 3.0 score from Experian when you sign up for e-statements.

        Cons: The ability to earn rewards might distract some cardholders from their credit-building goals, so you’ll want to be careful not to overspend in an attempt to earn cash back. Also, the card touts a number of high fees, including a $69 annual fee, up to a $40 late payment fee and a $30 additional card fee.

        Read more about the Surge Secured Mastercard®.

        Discover it® Secured Credit Card: Best secured credit card for cash back

        Overview: Earn 2% back at gas stations and restaurants for up to $1,000 in combined spend each quarter (then 1% cash back); plus, Discover will match your cash back at the end of your first year. That means, if you spend $300 a month at restaurants and gas stations, you will earn $6 a month, plus $72 at the end of your first year for the Cashback Match, coming to $144.

        Pros: With no annual fee and rewards to boot, this secured product offers another reason why it’s a good card for the long haul – Discover will automatically review your account after eight months to see if they can transition you to an unsecured card.

        Cons: There’s a lot to love about this card, but the regular APR is not one of them. Higher than the average APR for credit cards, which is 16.21%, the Discover it Secured Credit Card’s variable APR is one of the highest among secured cards.

        From our expert: “The Discover it Secured card is noteworthy because it offers rewards – a rarity among secured cards,” says CreditCards.com Industry Analyst Ted Rossman. “With no annual fee and 2% cash back* at restaurants and gas stations and 1% everywhere else, this card is a compelling introduction into the world of credit.”

        *2% on up to $1,000 in combined spend each quarter, then 1%

        Read our full Discover it® Secured Credit Card review.

        Self – Credit Builder Account + Secured Visa® Credit Card: Best secured product for establishing credit

        Overview: Whether you’re establishing your credit or repairing it, this unique card-and-account combination will help develop healthy credit habits while building a stronger credit mix – all without a credit check or history.

        Pros: Besides just earning interest on your “loan” deposit, you’re building credit on both your loan and credit card while other secured cards don’t. This strengthens your credit since 10% of a good credit score comes from a solid credit mix. Plus, you can extend your credit limit based on your account’s savings progress and stay on top of your credit score with credit monitoring and account alerts.

        Cons: Since the deposit is a “loan” and isn’t out-of-pocket, you can’t qualify for your card until you make three full consecutive payments and have at least $100 in your account without outstanding fees. On top of the one-time $9 account fee and yearly $25 annual card fee, be careful not to carry a balance since your monthly payments and credit card both carry APRs.

        Read more about the Self – Credit Builder Account + Secured Visa® Credit Card.

        First Progress Platinum Prestige Mastercard® Secured Credit Card: Best secured credit card for bad credit

        Overview: This card doesn’t require a credit history or minimum credit score for approval. Your card use is reported to all three major credit bureaus to help you build credit. Cardholders are required to put down a refundable security deposit of at least $200 to serve as the card’s credit limit.

        Pros: The card carries a regular variable APR of 9.99%, which is favorable for a secured credit card.

        Cons: There’s a $49 annual fee, which is on the high side for a secured credit card.

        Read more about the First Progress Platinum Prestige Mastercard® Secured Credit Card.

        Self – Credit Builder Account: Best secured product for getting a small loan

        Overview: With this financial product, you basically get a small loan that funds an FDIC-insured certificate of deposit for 12 or for 24 months. Then, once the account’s term ends, you’ve built your credit and your CD unlocks.

        Pros: This is a good way to build credit for someone with an iffy score. There’s no hard pull on your credit, and it doesn’t matter where your credit stands when you begin.

        Cons: There’s an “administrative fee” that is on a sliding scale, depending on how much you pay into your “account.” So, if you pay $89 a month for 12 months, you pay a $12 administrative fee and you get $1,000 at the end of the year, $68 shy of what you’ve put in, bringing the total finance charge to $80.

        Read more about the Self – Credit Builder Account.

        Research Methodology

        Methodology: We analyzed 228 secured cards to identify the top products available for consumers. Core criteria we considered in our evaluation include:

        • Credit building features: With secured cards, you’ll often find features that can help you boost your credit score. We looked for options that will report your good habits, make it easy to track your score and more.
        • Credit needed: Accessibility is a key selling point for secured cards, so we made sure to find the best choices that allow for all ranges of credit scores. Even if you have no credit history whatsoever, there are secured cards here that can help.
        • Rates and fees: Some cards designed for poor credit scores feature penalizing fees and unfairly high rates. We avoided these as much as possible when selecting our top secured cards.

        Other criteria used: Ease of application, ability to increase credit limits, deposit required, other benefits and features, customer service, security, rewards rates.

        What are secured cards?

        A secured credit card is a financial product designed for a consumer with bad credit or a limited credit history. It requires a refundable deposit in exchange for a credit limit. Most credit cards are unsecured credit cards, which means a security deposit isn’t required, but those aren’t always an option for everyone.

        Putting it simply, a secured card is a credit card that requires a cash deposit to start the account. The cash deposit gives card issuers a reason to accept lesser credit scores, and because having a credit card is the easiest and fastest way to build credit, a secured card can be worthwhile. Some even come with rewards and perks on top of the long-term credit opportunity.

        How do secured cards work?

        To give you a line of credit, lenders want to know that you’re likely to repay what you borrow. In many cases, a positive credit history provides the proof that credit card issuers need. That’s why it can be difficult to get approved for a credit card with a poor or limited credit history. Enter secured credit cards.

        Opening a secured account is initiated with a cash deposit, which acts as collateral rather than a balance that you can pull from to pay off your purchases. Once you’ve made your deposit, most secured cards act just like unsecured cards. You can use them to make purchases in person or online, and then routinely pay off those purchases with the ability to build your credit. If you don’t get your balances paid in a timely manner, you’ll face interest charges. In the worst case scenario where you start to default on payments, only then would your issuer start to pull from your deposit.

        There is one notable feature often seen with secured cards. Because you provide the card issuer with a security deposit upfront rather than getting in on your creditworthiness, you’ll often see issuers set your credit limit equal to the security deposit you provided. Depending on your financial flexibility, you might be able to deposit more than the minimum to get a higher credit limit when initiating. After getting started, a secured card works like any other card – you have a revolving line of credit that replenishes as you make payments.

        With some secured credit cards, you may be automatically considered for a credit line increase after several months of on-time payments. Not only does this give you more purchasing power, but it may also give your credit score a boost. Finally, once your score reaches the “good” range (a FICO score of 670+), you can begin shopping around for a credit card with better rewards, rates and benefits.

        Pros and cons of secured cards

        Pros of secured cards

        • Grow your credit score. If you’re in the market for a secured card, it’s likely that your credit score could be in better shape. A secured card gives you the opportunity to establish your score with regular reporting to credit bureaus, a key step in boosting your credit as long as you make regular payments.
        • Get into the right habits. Aside from the initial deposit, most secured cards work just like a traditional credit card. Using a secured product the right way will set you up for success when it comes time to upgrade to a better-tier card.
        • Generous acceptance. One benefit of secured cards is that the down payment allows most providers to accept almost anyone as a cardholder. Those who have suffered from bankruptcy or other financial woes have a tool to regain their credit with secured cards.

        Cons of secured cards

        • Money needed up front. It might be difficult to come up with the deposit needed to start your secured card account. If the hundreds-of-dollars down payment won’t work for you, there are other cards for poor credit that will allow you to start an account without any money down – an option for those in a tight situation.
        • High fees and rates. As these are cards for those with bad credit, many secured options have high APRs and fees. If you apply for a secured card, be sure you’re prepared to budget your spending and pay off your bills to avoid an expensive mistake.
        • Lack of rewards. Though you can find them with some cash back options here, most cards for bad credit don’t feature rewards. Unfortunately, secured cards are no different.

        How to get a secured credit card

        If your financial institution offers secured credit cards, you may be able to submit an application in person, by telephone, or through its website. If you’d prefer to see what cards are available outside of your bank or credit union, you can compare offers online, see what cards you may prequalify for and apply independently. Here’s how it works:

        1. Choose a card: First, do a little research to determine which secured card offer best aligns with your budget and spending behaviors. Secured cards may not always give much in the way of frills but that doesn’t mean you can’t land a competitive offer.
        2. Determine your deposit amount: Once you’ve found a secured credit card that feels right for you, you must then decide how much of a deposit you’d like to put down. In most cases, your deposit amount will be equal to your credit limit. It’s tempting to pay the minimum amount required but think honestly about how much you’ll routinely spend. Remember, using too much of your credit line can hurt your score, and a single trip to the supermarket can quickly eat into a $200 card limit.
        3. Apply: Submit your application. The issuer will ask you to provide personal details to confirm your identity such as your Social Security number, income, U.S. mailing address, and other basic information.
        4. Monitor application status: In most cases, the card issuer will reach a decision in a matter of seconds. Sometimes you may have to wait to receive a decision by mail. Many card issuers also allow you to check the status of the application by telephone or by logging on to their website. Once you’ve been approved, you may then pay your deposit amount and the issuer will mail the credit card to you. If the issuer has denied your application, you’ll receive a letter from the issuer explaining the reason for the decision.

        What credit score do you need to be approved for a secured credit card?

        Because you are not able to spend more than the cash deposit you provide, the issuer’s risk is much lower than it would be lending to someone with an unsecured credit card. For this reason, applicants with minimal or bad credit history are often approved for secured credit cards. To give you a better sense of what constitutes good, fair and bad credit, FICO goes by the following range:

        • Very poor: 300 to 579
        • Fair: 580 to 669
        • Good: 670 to 739
        • Very good: 740 to 799
        • Exceptional: 800 to 850

        Your choice in credit card should be based on your personal goals and finances. A secured credit card will require a cash deposit ranging from a few hundred dollars to several thousand. Determine what sort of credit limit makes the most sense for you and how much of an initial deposit that will require. If your card limit is on the lower end of the spectrum and you think you’ll routinely make purchases that eat up the majority of your available credit, understand that this type of high usage can impact your credit score. In these situations, a high limit secured card may be a better option.

        Aside from spending habits, you’ll also want to take into consideration any applicable rates and fees such as annual fees and foreign transaction fees, as well as any additional benefits. Though it’s rare, some secured cards do offer rewards, such as the Discover it® Secured Credit Card.

        When it comes to selecting a secured credit card, here are a few things you should be particularly wary of:

        • Hidden fees: While some fees are clearly marked in the “Schumer Box” at the top of cards’ rates and fees disclosures, lesser-known fees with credit-builder cards can be mentioned lower in the copy. They can have vague descriptions, such as “copy fee” or “telephone payment fee,” and can pile up fast. Heads up that secured cards can have the most fees.
        Источник: https://www.creditcards.com/secured/
        HSBC Holdings plc

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        Our aim is to accelerate the shift to a thriving low-carbon global economy through finance.

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          Источник: https://www.hsbc.com/

          3 Replies to “First progress platinum elite mastercard phone number”

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