{"buyer_scenarios":[{"fit":"best_suited","scenario":"Consumers who may be declined by mainstream secured-card issuers and need an accessible approval path despite damaged credit"},{"fit":"best_suited","scenario":"Applicants prioritizing reported payment history over rewards or low fees who want three-bureau reporting"},{"fit":"best_suited","scenario":"Consumers who intend to carry a balance and want the lowest possible APR, assuming the 13.49% figure is current"},{"fit":"best_suited","scenario":"Applicants without a bank account who need flexible funding options"},{"fit":"not_best_suited","scenario":"Cost-conscious rebuilders who want no annual fee or minimal ongoing costs"},{"fit":"not_best_suited","scenario":"Consumers expecting automatic graduation to an unsecured card or routine deposit increases"},{"fit":"not_best_suited","scenario":"Consumers likely to carry balances at the higher reported APR figures, where interest costs become significant"},{"fit":"not_best_suited","scenario":"Users who expect fast payment processing and quick deposit refunds, based on platform-reported customer complaints"}],"citations":{"source_mix":{"company_owned":8,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":6},"total_sources":22,"unique_domain_count":14},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards for Rebuilding Bad Credit","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["google","kimi"],"predicate":"final_consensus_rank","qualifier":"Secured Cards for Rebuilding Bad Credit","subject":"First Progress Prestige Secured Mastercard","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"First Progress Prestige Secured Mastercard","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"First Progress Prestige Secured Mastercard","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"First Progress Prestige Secured Mastercard","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"First Progress Prestige Secured Mastercard","unit":"platforms","value":1}],"consensus_findings":["Three-Bureau Reporting Is the Card's Core Strength","No Minimum Credit Score Requirement Improves Accessibility","The $49 Annual Fee Is a Consistent Negative","No Documented Graduation Path Is the Primary Long-Term Limitation","Security Deposit Range Is Consistent"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["APR Figures Conflict Across Sources","Annual Fee Amounts Differ","Verification Failures Created Uncertainty","Customer Service Complaints Are Platform-Reported, Not Independently Verified"],"entities":[{"average_rank":8.5,"best_rank":8,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"First Progress Prestige Secured Mastercard","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/secured-cards-rebuilding-bad-credit/first-progress-prestige-secured-mastercard.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/secured-cards-rebuilding-bad-credit/first-progress-prestige-secured-mastercard","report_type":"fit_review","study_id":"CCI-STUDY-FDDA21EF264F","title":"First Progress Prestige Secured Mastercard for Secured Credit Cards for Rebuilding Bad Credit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-04 05:46:51.243011+00","research_date":"2026-09-04","source_snapshot_sha256":"44e4e7c2a071f89310ffcbaf0d14109dbc0a2af7ed2e0f2187c082da7b7dce85","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"The First Progress Prestige Secured Mastercard is a mixed fit for consumers rebuilding bad credit. Two of seven AI research platforms (Google and Kimi) named it during the ranking stage, giving it a platform share of 28.6% and an average listed rank of 8.5. The strongest reason to consider it is its combination of three-bureau reporting and a relatively low 13.49% variable purchase APR, which is unusually competitive for a secured card. The main limitation is the $49 annual fee combined with the absence of a documented graduation path to an unsecured card, meaning the deposit stays locked…","target_buyer":"Consumers with damaged credit who want a reputable secured card that reports positive payment history and can support long-term rebuilding","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Three-bureau reporting","approval accessibility","security deposit requirement","annual and other fees","APR","graduation potential","account-management features"],"geography":"United States","slug":"best-secured-credit-cards-for-rebuilding-bad-credit","title":"Best Secured Credit Cards for Rebuilding Bad Credit","use_case":"Secured Cards for Rebuilding Bad Credit"}}