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.

Mission Is Horrible

When you sign up with this company, they give you this idea that it’s going to be pleasant and they’re offering you some thing. It’s so difficult customer service he doesn’t exist. None of them see the same things they offer you things to go your credit and then when you try to attach your accounts for payment, none of it goes through and nobody has any idea why they send you multiple emails every day that areUseless and the most important part is there is really no customer service. They have some phone numbers here but when you call the people cannot help you they have no clue how to answer you when you’ve made a transaction they cannot see the transaction. You have to email call back Email called back and then there’s still no resolution also that 59 Dollar charge is unreasonable and they take it off of the top immediately

Developer Response ,

Thank you for reaching out, and we’re sorry to hear about your experience. If you'd like to share any additional feedback about how we can do better, please let us know. If there's something we can look into on your account, too, to try and make things right, we'd like to try. Please send us a secure message at link.missionlane.com/message and one of our agents will be happy to assist you.

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.