My score was 520 when I got the card now after having it going on 3 months im at 604. I'm happy because this card help me get my car refinanced to a cheaper car not and lower interest rate. As long as you use the card and only use it for when you know you can pay the balance off within 7 days really helped my credit score a lot. the min payment if you can't is ten dollars but then you accrue interests, so im using mines in term of interest-free, I used it and pay it off within 3 to 7days before bill invoice is mailed to me.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 24.99%* Variable
- Annual Fee $39
- Purchase Intro APR Not Applicable
- Purchase Regular APR 24.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I was looking for a card that had cash back incentives, so the Ollo card seemed appealing. I applied and was immediately approved, yay! I planned to charge all my monthly expenses and pay the card off in full each month. I figured I may as well be getting cash back for all the purchases I already make every month. In theory, it works great. In reality, it does not. Ollo has an ABSOLUTELY RIDICULOUS policy that they can hold your payment for up to 10 days! My most recent payment (which paid my balance in full) was made Monday and still was not clear by Friday. I called customer service to ask why my account wasn't reflecting the payment I made, the first person I spoke to explained the hold policy to me and then I asked to speak to a manager. The manager was not helpful, he seemed like he could care less. He basically just restated the policy, and told me my payment might be on hold becuase I made a large payment (again, ridiculous!). I have made larger payments in the past and the hold was removed within a day or 2. I told him I would no longer be using my Ollo card. The whole purpose of getting this card was to earn cash back, but I cannot use the card while they have my payment tied up for 7-10 days! No more Ollo card for me! After I got off the phone I immediately applied for a new card with a different (and reputable) company, I was immediately approved, so bye bye Ollo!
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