# First Progress — user reviews > 103 indexed App Store user reviews of First Progress by Vervent, Inc, rated 1.70/5 from 144 ratings. - Source: https://appshunter.io/ios/app/first-progress/id1589075027/reviews - App overview in markdown: https://appshunter.io/ios/app/first-progress/id1589075027.md - Rating breakdown: 5★ 15 · 4★ 4 · 3★ 8 · 2★ 7 · 1★ 110 ## What do users think of First Progress? Overall sentiment: negative **Pros** - 👍 Easy to navigate - 🚀 Fantastic - 💡 No chip on card **Cons** - 🐛 App crashes - 🐛 App doesn't work - 🐛 App payment not working - 🐛 App unreliable - 🐛 Difficult to make payments - 🐛 Inaccurate balance updates - 🐛 Locked accounts - 🐛 Login issues - 🐛 Slow payment processing - 🐛 Terrible customer service - 🐛 Unresponsive app - 🐛 Unusable app - 💰 Charges unnecessary fees - 💰 Holds payments affecting credit - 💰 Inaccurate reporting to credit bureaus - 💰 Predatory practices - 🤖 Poor communication **Commonly reported bugs** - App crashes when trying to log in - App doesn't allow creating an account - App doesn't work - App freezes - App forgets user credentials **Most requested features** - Improve app functionality - Implement auto-pay - Provide better payment options ## Newest reviews (17 of 103) ### 1/5 — Poor, delayed quality *2025-09-05, version 3.1.0* Two-step verification is delayed, the text sent to code is 5 min delayed. App is not user-friendly, sign-in issues, no contact, outdated. Why is First Progress posting the annual fee 3 days before the due date and not earlier? ### 1/5 — DO NOT USE THIS COMPANY *2025-07-12* I’m warning anyone considering First Progress: DO NOT USE THIS COMPANY. My experience has been nothing short of a nightmare. I made a payment to my First Progress credit card account, and the company failed to update my balance in a timely manner. Because of their delay, they charged me a late fee and falsely reported a late payment to the credit bureaus, which caused my credit score to drop significantly. I’ve taken all the proper steps. I sent certified letters disputing the issue and explaining the situation. Despite this, First Progress has still not resolved the matter. They have not corrected the inaccurate reporting, and they have not refunded the late fee that was caused by their own delay. To make matters worse, my available balance is never properly updated, making the card completely unusable. I can’t rely on it, and I can’t trust the company to manage my account responsibly. If you’re trying to build credit, First Progress will do more harm than good. They lack transparency, their customer service is unhelpful, and they clearly do not prioritize the accuracy or integrity of their reporting. Avoid First Progress at all costs. There are far better options out there that won’t risk damaging your credit due to their own negligence. ### 1/5 — Bad bank *2025-07-05* This bank is bad at managing. The customer service barely knows english. My card was stolen i call right away do deactivate the card but they didnt deactivate it because they dont understand english well and the thief made charges on my card that still havent gone away. Now my credit score is bad and i didnt even get a new card because they wrote my address wrong the app is trash too because you can edit your address theu the app you have to call. Please if you have this card just cancel it. This whole company is trash. ### 1/5 — The WORST credit card EVER *2025-06-25, version 3.0.6* DO NOT apply for this card! It’s TOTALLY a scam.. Suspicious activities were taking place on my card. It took them OVER a month to clear it and I’m still waiting on my new card.. Spoke with representative and constantly I’m getting the run around.. They are Indian the run around.. ### 1/5 — Trash…straight garbage *2025-06-22, version 3.0.6* This has got to be the worst credit card out there. I used it in hopes to build my credit and it’s the hardest one to pay on, most difficult to use the app and pay… if you can get logged in, and by far the longest wait times for deposits to clear. Weeks not days. I’ll no longer be using the card. ### 1/5 — Cuidado *2025-06-20, version 3.0.6* Este banco tiene practicas dudosa ### 1/5 — Scam Scam *2025-06-03, version 3.0.5* Scam Scam ### 1/5 — Wow *2025-05-12, version 3.0.5* Just the worst ever. ### 1/5 — Restricting accounts on a new account *2025-05-06, version 3.0.5* I was restricted from using my card because of one failed payment and they won’t release the restriction until 1 month and 7 days do not apply for a first progress card I do not recommend it if you are gonna use this card ### 1/5 — Actually damages your credit intentionally *2025-04-04, version 3.0.5* This company is so shady that they will reverse your payment to change additional late fees.. and worsen your credit score.. I hate this card.. if they ever accept my payment in full I’m canceling it.. BEWARE!! Update ..I did cancel this card, and it has adversely affected my credit score by intentionally declining payment twice to charge late fees… avoid this company!!! ### 1/5 — The App is Trash *2025-03-06, version 3.0.4* This is app is pointless. I log in with my same information each time I open the app and it says that the information wrong. I then have to enter my card number, zip code etc. I use the same information and it lets me in. When I open the app again, I have the same issue. I have saved the information to automatically pop up and I have set up Face ID. The Face ID never works and I have to go through the same steps daily with the username and password being saved. The whole point of having the app and the information saved is so I don’t have to enter all of the additional information to access the account. ### 1/5 — Terrible, Scam!!! *2025-02-23* After a year this card has done more damage then good. For months I haven’t been able to spend money and constantly requesting new cards and getting the run around. The credit limit is 200 that I put down and haven’t been able to spend it. Even after pay the balance, I still owe 200 monthly. Even while not being able to spend. My lowest card impacts my credit score the most. You can’t close the account like other card services. The people are Indian on the phone. This is a scam!!!! ### 2/5 — Money *2025-02-17, version 3.0.4* They take so long to get the money out my account it’s like they don’t want it they take until 2 days later and charge you ### 1/5 — Worst company ever *2025-02-15, version 3.0.4* Stay way please worst credit card in American history trust me. ### 1/5 — This company is a scam *2025-02-03* Do not use this card! It is a scam. I haven’t used this card for a year and last week I got a letter in the mail saying my card had been compromised and there were fraudulent charges. The only way to dispute was to send in a letter to the company which by the time I received their letter telling me about the fraudulent charges, my time had expired. Spent hours on the phone trying to talk to a person or get the correct department to dispute the charges just to be told they can’t do anything over the phone and I needed to send in a letter. So I decided to just take the loss and at least close my account. I got the runaround with that as well. Pass off from one call center to another, told they couldn’t close the account. Finally was able to get the correct person on the phone they said they could put in the request to close my account. I said can I get a confirmation number that you are closing my account? They said they have to send a request to get a confirmation of my request to close my account! Insane! So I’m hoping now that I get an email in the next two weeks confirming my account is closed because they said it will probably take 2 weeks! to close the account! Lol. Also since they were unable or willing to do anything about the fraudulent charge the balance will be coming out of my deposit that I had to pay to open they account. This company is evil. ### 1/5 — Worst App *2025-01-15, version 3.0.1* Every certain time this app erases all the information it takes forever to charge a payment even if it’s automated withdraw besides I want to cancel and get my 200 back and it’s impossible ### 1/5 — Terrible Experience – Avoid This Company *2025-01-14* I’ve had nothing but issues with this company. Their app doesn’t work, their website is unreliable, and trying to make payments is a nightmare. To make things worse, they charge you fees for making payments over the phone, even though their app and site are completely unusable. Customer service is non-existent—they don’t answer their phones, making it impossible to resolve issues. On top of that, they charge late fees even when payments aren’t actually late, and good luck getting your money back if you have a secured card. It feels like they’ve set up their system to trap you with unnecessary fees. Avoid at all costs if you value your time and money. ## Most critical reviews (10 lowest-rated) ### 1/5 — HORRIBLE SERVICE *2026-04-21, version 3.1.7* I set up autopay over the phone this past December. Then i get a message today saying I missed a payment. I try logging in but the website and app are down. I call customer service and they say auto pay was never set up. Absolute garbage. Thanks for knocking down my credit score some more, jerks ### 1/5 — One of the worst credit cards you can get *2026-04-13, version 3.1.7* Do not accept the application this is the worst Credit card experience I’ve ever had. Customer service is very unhelpful and un knowledgeable. I was sent a zero dollar statement now I don’t have an account. This is definitely getting reported to the credit consumer. ### 1/5 — No Good *2026-03-20, version 3.1.5* 10/10 don’t recommend they hold your payments effecting your credit score ! They don’t report your current balance accurately ! They charge you interest accrued charges & you ever go over your limit you can’t they put your payments on hold even after providing banking transaction as informed. They process your payment, make it available then exhaust it off your account in 3 days. Just don’t ! ### 1/5 — Won’t work *2026-02-15, version 3.1.4* I put in new user. Even went to the website yet it still just doesn’t recognize me. Everything is wrong error here error there. Trash ### 1/5 — Terrible company *2026-01-28* I opened the card I spent 20 my first bill was $76. When I try to pay my bill it’s the biggest hassle in the world there’s no easy way to pay. There’s no auto pay. They want you to enter your bank account number and your routing number every time you make a payment. All my information is around the same time and I suspect they sold my information to God with all my passwords on me I’m pretty sure it was done. Do yourself a favor get a different credit card. ### 1/5 — Doesn’t Work *2026-01-25, version 3.1.3* Since the new company took over, the app doesn’t work and neither does the website. It locked me out of my account and wouldn’t let me change my password so I continuously have to get a temporary password. When I get paid again, I plan on paying this card off and closing the account. I’d rather open another card than jump through hoops just to log in. ### 1/5 — Garbage App *2026-01-25, version 3.1.3* App decided to forget my credentials. Good luck trying to recover your username, the “forgot…” options both do the same thing — allow you to reset your password while never helping you recover username. Pre-tty stupid. ### 1/5 — Stay away *2025-11-08, version 3.1.1* App is the worst! always has some kind of problem to make checking my account difficult as if being a client with first progress wasn’t bad already! ### 1/5 — DON'T USE THEM *2025-10-25, version 3.1.0* DON'T USE THEM UNLESS YOU HAVE 60-90 DAYS TO WAIT BEFORE YOU CAN CANCEL!!! ### 1/5 — DO NOT USE! *2025-09-30, version 3.1.0* I wish I would’ve read the reviews before getting this card. Just like someone said previously, it is taking way too long to give back my deposit. I noticed too many discrepancies with the account, so I called and closed the account. First they said it would take 30 days to get my deposit back but now they’re saying it takes 60 days. I will be reaching out to the BBB because something clearly isn’t right with this company. ## Most praised reviews (10 highest-rated) ### 5/5 — Fantastic *2026-03-19, version 3.1.5* Easy to navigate 😌 ### 5/5 — Great card to start credit *2023-09-07* I have this card for about 3 years now, thanks to this card that reports every month I was able to bring my score up and apply for and actual CCard with a good credit limit, I occasionally used it but never had issues with payments always make payments 15days before my payment is due and always pay the entire balance it’s a great ccard for those with no credit at all or bad credit don’t understand the bad reviews. ### 5/5 — It’s a good choice *2023-06-07* Most people don’t like it because you can’t make payments on the app but you can set up bill pay with your bank and pay it that way. I use my mobile bank and my credit score is increasing. Give it a try ### 5/5 — Nice *2022-10-22, version 1.2* Good ### 4/5 — No chip on card *2024-06-30, version 1.12* The card would be a lot better IF it had a chip, but it does not & some places will not accept the card for certain kinds of transactions. 🙄 example. Car Rentals ### 4/5 — App stopped working *2023-06-24, version 1.11* I just downloaded app last month and I was able to make a payment through the app but now I’m unable to make a payment ### 3/5 — This app is complete bulsh%* *2026-05-15, version 3.1.7* No matter what I do my password and username are apparently incorrect even though I know for a fact they are not and I screen reset my password and it still says it. Try to contact support and it says “contact mobile app Complete bogus ### 3/5 — Major App Issues! *2026-01-16* I've had a decent experience with the First Progress credit card so far. The card itself works as expected, and I haven't had any issues with payment or usage. It does what it's supposed to do. However, my main issue is with the mobile app. Unfortunately, the app does not work properly for me at all. Every time I try to log in to access my card information, I receive an error message even though I'm entering the correct login credentials. Because of this, I'm forced to use a computer and log in through the website anytime I need to check my account or manage anything. The card itself is fine, but the app experience is a major downside and definitely needs improvement. If the app were more reliable, my overall experience would be much better. ### 3/5 — App crashes when trying to make payment *2023-07-14, version 1.11* Pretty self explanatory. Aside from the crashing, the app isn’t bad. That’s a major problem to have however since you charge to make payments any other way. ### 3/5 — App payment not working *2023-06-27, version 1.11* Everytime I try to make my payment on the app is says it’s unavailable. I call to process the payment over the phone and it costs me $10 extra. Not really fair since the app not working is not fault of my own! Otherwise not a bad card. Simple secured card. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-11.*