Mission Lane Card 4+

Helped me get back on top.

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.

Developer Response ,

Willamette, thank you so much for taking the time to share your experience as a Mission Lane member. Like you touched on, each of us has our own unique journey - and we're proud to be a part of yours. This is why we do what we do.

I love this card! I’m grateful and thankful for this company!

Mission Lane approved me for a card when no one else would. My credit was once really good but was destroyed after my husband’s fight with stage 4 cancer. It was financial ruin for us. Once he got better, I made it my mission to restore my credit and get our finances on track. Mission Lane was my first step to rebuilding my credit. They gave me a chance and here I am, a little over a year later, with a credit score of 746!! Because of Mission Lane, I have been able to get a personal loan and 2 car loans as well. They even increased my spending limit after 6 months. In addition, the app is super easy to use to track your spending and make payments. The company’s mission to help people rebuild their credit with kindness and compassion is second to none in this industry. Thank you Mission Lane, from the bottom of my heart... Sincerely, Rachel, customer for life :)

5 ✨’s are within reach!!!

Now that I was able to set up the App it is easy to set up a minimum payment to make sure you don’t miss a payment for any reason. Then you can open the App at any time and click just a few buttons and pay your balance or maybe you just got $40 of gas, open the App and just pay that. It really easy. My one and only complaint at this time is this ridiculous $300 credit limit I was started off with. If you are trying to build credit or just don’t want your score to go down you are supposed to keep balance below 30%. That only 90 bucks. I can barely fill my car up with that. Shoot don’t even think about using this card for groceries, 90 bucks will barely fill the seat up in you cart. So with an increase of my credit to at least $750 dollars on the low side to around $1500 dollars would be ideal. I have a credit card with a higher balance and I might just use it for everything. Or you can raise my credit limit so the card is usable and then I would be more than willing to rate you at 5 full shiny stars.