Choosing The First Progress Platinum Elite Mastercard

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Applying for credit when you don't have credit is no longer a problem. The First Progress Platinum Elite Mastercard is ideal for when you're trying to get back on track. Benefits are plentiful with the secured credit card that can be applied for.

How to Apply

There is an online application to make things easy. You will enter all of your basic personal information into a secure form over the internet. This includes such things as your email address and date of birth. You will also need to signify that you have a checking account, debit card or prepaid account.

The application will ask you about your ability to put down a security deposit. Because this card is designed for those without credit or with poor credit, you will need to establish yourself financially. Once you put down a security deposit, you will be able to move forward with the approval process.

The secured deposit for the credit card allows you to take advantage of Platinum Mastercard benefits. If at any time you wish to cancel your credit card, the deposit is fully refundable. As your credit improves over time, you can also have your deposit refunded to you while still maintaining credit with First Progress.

How to Shop

You have the Mastercard logo on your credit card. This means that you can make purchases anywhere that Mastercard is accepted. Whether you want to stay in the country or travel around the world, your purchases will go through. You can pay at gas stations, grocery stores, book travel online and even make purchases online.

The credit limit you have on the account will depend on credit and your security deposit. With higher limits comes more spending power. You can spend up to the credit limit on your card. There are also various tools to help you stay on top of your balance to avoid going into debt.

What Benefits Exist

A number of benefits come with being a cardholder. You get platinum benefits, which means more benefits than the average cardholder. This works to your advantage to get your money's worth all year long.

Amongst the benefits, you will get:

  • Monthly credit reporting
  • Online account tools
  • Fraud protection
  • 24/7 customer service

To ensure you continue to improve your credit, the card will submit details to the three credit bureaus each month. When you pay your bill on time and spend responsibly, this will all have a positive impact on your credit score.

Account tools online are complimentary. You will have a username and password to gain access to your account 24/7/365. This allows you to check your balance, your credit line availability, when your due date for your payment is and much more. You can download a statement to your computer, pay your bill online and even contact customer service.

Fraud protection is featured on the account. You need to ensure your card and personal details are kept safe. With ongoing monitoring of your account, you can rest easily. If suspicious activity occurs on your account, you will be notified immediately. Should you ever encounter a transaction that wasn't authorized, you won't be held responsible for paying it. You can even get a new credit card and number sent out to you to improve the security of your account.

When you have questions or concerns about your account, customer service is a phone call away. You will be given a toll-free phone number that you can call at any time. An automated menu will tell you about account details. When you want to talk to a live person, representatives are standing by at all times of the day and night to help you. Should you have a question about a charge on your account, a feature on the card or a concern about the billing, you can ask your questions when and how it's convenient for you. There is also never a charge for reaching customer service.


Shopping with the First Progress Platinum Elite Mastercard is a great way to buy what you need when and where you want. With so many benefits on the card, it's easy to see why so many people choose to get it. Once you pay the security deposit, you can begin enjoying the card features.

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