Mission Lane Card

I’ve had this card for about 5 years. It’s one of my favorite to use. Everyone excepts it and the app is easy to navigate. Any time I have had an issue with losing my card or wallet, it’s easy to lock the card from the app. Customer service is always professional, friendly and respectful and always takes care of my issue. AVANT (not affiliated with Mission Lane is a company that you should NEVER use)only if you want them to cause your credit score to take a hit after a fraudulent transaction they not only do things completely wrong and different than a company like Mission Lane or Capital One. They then report missed payments on your credit report for the fraudulent transaction. I’ve never had issues with any credit card and fraudulent transactions like AVANT! Avant has an F with the BBB. I should have done a little research before excepting Avants offer. Just to be clear my review is for Misson Lane. Mission Lane has been incredible! When I make a payment, it updates while I’m still on the app. The rewards are pretty decent too. They’ve increased my credit limit by more than double since opening the account. 5 stars. Now if interest rates would drop!

I had a job loss and then an accident. My credit went downhill quickly. I had a ton of charge offs. I gradually paid back all my credit cards even though they were closed. My credit report showed that they were all paid off. I then applied for this card and got a $500 limit. It’s now $4,500. When I started rebuilding, my credit score was 541. Today, all my scores are right around the 780 mark, including FICOs. The app is easy to use. I’ve never had a problem with the card. I always pay off the balance way before it is due. I now have two Capital One accounts and a Discover card. $40,500 in total available credit. I think what allowed me to rebuild so quickly in about two years is that I paid off charge off debt. So my credit report showed I didn’t owe anything. And I never keep a balance on a card and am never late. Each of us has our own unique credit profile. What works for me may not work for you and Vice versa. In short, I really don’t use this card much but I don’t want to close it out and have a closed account on my record. I just use it occasionally for gas. Just to keep it active. The problem with lower credit line cards is that if you use them, it shows you’re available balance. And that is what looks bad if you’re using more than half your credit line. Get this card and only use it for small purchases. It’s a stepping stone card but now I can use it for major purchases if needed.

I started out needing to repair my credit (no help from professionals, just working on it myself) and after searching quite a while for the right card, I found Mission Lane. I was approved for a very reasonable credit line given the state of my credit. After approximately 6 months of good behavior (lol) they increased my limit, and about another year after that they increased it again. This has helped my credit tremendously. While this is exactly what I was looking for when I opened this account, they went above and beyond for me this week. I had unknowingly gotten onto a fraudulent site and entered my card information onto the site. Mission flagged it and contacted me within about 2 minutes to verify it was me making the transaction. Of course it was me, but that made me take a closer look at the site I was on (they had not mentioned charging my account) and that’s when I realized my error. I called Mission Lane and spoke with a wonderful woman who walked me through my options in no time. When I decided to have a new card issued but mentioned that I have some automatic bill pays set up on this account that we’re due soon, she put in a request to have my new card request expedited so I could get it ASAP. She was just so sweet and thoughtful! I got my new card in just a couple of days with enough time to change over everything without any issues. I normally dread having to call any customer service, but if an issue comes up again in the future I will have no qualms about calling them again! I have nothing negative to say about this card/company and would honestly recommend to anyone, but especially anyone working towards rebuilding their credit.