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Worst credit card EVER!
I have good/fair credit rating. Upon approval, I received a low credit limit. And one year after account opening I received a whooping $500 credit increase.
This account offers LOW rewards. The interest rate is above 20%.
I recently had to dispute a transaction and I was NOT issued provisional credit.
This credit card serves NO PURPOSE!
Bull****
I've had this card for a year. I started with 300. They gave me a 100 credit line increase in a year. Never been late on any payment. Always pay more then the minimum. Never ran it up. I got a arrow up card a Capitol one card at the same time. They both over 1000. I mean wtf is that. So frustrating. Common man. If I knew this I would never have got it.
I started with a 3k limit. I had the card for a year and they only raised mine $100 too. Kind of insulting. I feel your pain.
Did you REQUEST a credit line increase, or dud they just give you that as a courtesy? Many people do NOT want these increases, so that might explain it. However, if you DID request an increase and the only increased it $100, I'd suggest paying it off and closing it in favor of opening a m9re agreeable credit line with another company that you can stick with. Longevity is a big deal in the credit world, so you want to establish that long term history with a credit company, but if you're this unhappy at a year, maybe you're better off to cut ties sooner rather than later.
Sorry for this mispellings, folks#
Mine was an auto CLI. I don't think I have ever charged more than $100 in any given month, so that probably explains it. If you never use the card, then why give an increase.
FALSE ADVERTISING!
What a JOKE! Promotion on Credit Karma for an Ollo credit card said I could transfer a balance at a cost of 4%. Took a hit on applying for the card, got the card (lower interest than my other card) and can't transfer the balance. I even called customer service at Ollo. Nope. Denied. Needless to say, won't be using their card or recommending Credit Karma or Ollo and they're fake advertising to anyone.
Waaaaahhhhh waaaaaahhhh **** off
Great card, insulting Auto CLI's
I have had this card for 6 months as of today. I was given a great starting limit of 3000. Today I was given a $100 Auto CLI. I pay in full every month and have never been late, so the $100 auto increase was a little insulting. What's the point of that? But other than that, this is a great card, with 24/7 US based customer service. Would recommend this card if you get the offer.
Good for reestablishing credit
I’ve had this card for several months with a credit line of $300 post CH7 bankruptcy. This is not the first card I’ve gotten however. I’ve yet to receive a credit limit increase. My payments have been in full every month and at least 2 weeks ahead of due date. The others have increased my credit 500-1500. I haven’t used this card in 2 months as I’m dismayed at the poor timing of a credit limit increase, not that I need it. My scores are between 650-690 across all 3 credit agencies now. I like that there are NO fees asssociated with this card.
Straight forward, no games
I applied for this card, and I love that everytihng about it straight forward. The card's app is new, and easy to use. The website is easy to navigate.
Great card
After 1 year they raised my credit limit, they start you out with a decent amount of credit. Only thing i dont like is Ollo only lets you pay with a savings or checking account they need more payment options.
Functional, can't sync with YNAB
You can pay for things with it. Decent credit limit. So-so rate. Only recently got a mobile app. Worst thing for me is this card cannot sync to YNAB, as a result it doesn't get much use.
STAY AWAY
STAY AWAY!!! WARNING!!! Ollo’s credit card has two timeline dates: 1 is due date and the 2nd one end of billing cycle (witch is about 5-7 days after payment due date). My payment due date is on 18th of each month, however the billing cycle ends around 23-25th of each month. So if you paid everything (balance) by payment or on due date, and made some purchases after payment due date and before end of cycle, they will report account balance as of end of cycle. So you need to make sure that your balance is zero when the cycle ends (it means you cannot make any purchases after due date and before cycle ends almost a week later) otherwise it will show that you have balance on the card even if you are paid your balance in full by or on due date. It screwed up my credit score pretty bad because of credit utilization. On my other credit cards next day after due date is a new cycle and all purchases made after due date will be on next billing cycle. BUT NOT WITH THIS GUYS! Looks like they also will charge you interest on those purchases made after due date because it will show as you have a balance. NOT GOOD. Plus they don’t show nowhere when your actual cycle ends, the only way to find out is to call them. They only show your due date. Why are they hiding the date of end of cycle? Sounds like to make extra on intrest and report balance to credit bureaus. YOU HAVE BEEN WARNED!!! Or you have to remember your payment due date and call them to find out end of the cycle day.. I’m very disappointed 😔
Literally every credit card I have cycles about a week after the due date. As long as the statement balance is paid in full by the due date, there should no fees. ( I also worked for a credit card company so I’m a little confused by this comment ) I think it’s just you lol
This is every credit card. So this comment makes me wonder why you wouldn’t know this.
I work for a bank. This is how credit cards work. So I think you are uniformed. Your last statement balance is what is reported to the credit bureaus.
This is exactly how it is supposed to work. I am very knowledgeable when it comes to this. You can actually take advantage of knowing your cycle date! The credit bureaus like to see that you’re using the card, not maxed out, but about 25-30% of your credit limit. If it reported with a $0 balance every month they wouldn’t know you’re using your credit cards & your credit utilization would be at 0% which could also make your score go down.
I applied for the card 3 days out of chapter 7 discharge and was approved with CL of $800 and a CS of 60. So far I love it, the website is very user friendly and they just came out with a mobile app. I plan to use this strictly for credit building. I just recently found out that this an invite only card so I’m even more elated to have it.
Denied me after 1 1/2 yrs after Ch. 7 with a CS of 704.