First Progress 4+

This has to be the worst credit card and the worst app ever created. From the very beginning, anytime I made a payment it would take 7+ days before it would show in my account. This made me worry that I would be charged more if the payment didn’t go in by the time it was due, even though I always paid at least one week before the due date. What really became the final straw was when I tried to make a payment this year and was told that I reached the maximum amount of times I could pay in the app. I had the card for 1 year and would sometimes make 2 payments a month as I heard that helps gain credit points quicker. I had to mail in my last 2 payments which, unfortunately, is faster than paying in the app. The reward points system is also garbage, it said pending for MONTHS. I closed my card and didn’t get to use my remaining $5 reward because of how incompetent the app is. After closing my account I was told that it would be 2 weeks before they officially closed my account and 10 weeks before I would receive my $200 down payment refund. Do yourself a service and look at literally any other credit card.

App is horrible, allows you to pay sometimes on the app then it completely shuts down and says you only can pay through your banks website then it takes about a week just for your payment to come out of your bank account to a week for them to update your balance on the card. And it does show all of the transactions like a normal debit card would back to back, it skips transactions and payments on the timeline. Make the app better and have better service when paying the bills the money comes directly out at that moment and refresh the balances at that moment or maybe a business day or two. And also the points stay pending for weeks and you don’t really get them until you pay numerous times on the card by then your just waiting for a lot of transactions to come out of your own money and bank account because the time frame of the payments will never be on track because the system

I was told by my credit monitoring system I had a late payment from First progress. When I called they said we don’t have that in our system. Then i checked again to get the date correct and fp said “oh” if you want that off you have to write a letter blah blah blah.
I’ve been with fp for 3/4 years and I’ve never been late. Then they checked the system further and seen that I had written a letter months prior.
Why is it not taking care of months later if I write a letter.
The app is useless, you can’t pay over the app most of the times. And to have to wait 7-10 business days to reflect a balance is crazy. I hate fp and there business model. I would never up my balance with them because they have no room to grow. This card should help ppl trying to build their credit but it’s the opposite. It’s