I have had this card for a little more than a year now. After reading other reviews, I am not sure why the bad experiences, as Mission Lane has been excellent to me. I have had 3 automatic CLI's since having the card. I always pay more than the amount due, since I don't like to carry a large balance on the card, and don't know if that has anything to do with the generous CLI's, but so far, so good! As others had mentioned, the payments do take a few days to process and post via an ACH withdrawal, but that is the least of my worries.
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Most helpful negative review
I applied, got denied and CK didnt give me $50. No customer service. I filed complaint.
All member reviews (1886)
They don't have a phone number listed on their website, they make it as difficult as possible to speak to a human. If you lose your password or login info, it will be an absolute nightmare to access anything. They also make it an unreal nightmare to close the account
Got approved 750 CL. Maxed my small CL out, paid off the next week but guess what!? They won’t process your posted payments for 5-7 business days. So what do I do? Call and get my funds credited. They are shrewd, give you the run around trying there best to lie and say they don’t know if they received your money but they eventually credit your account. The day before Thanksgiving 2023 mind you I paid 90% of my statement days in advance. These fools won’t update my funds. They say “ send a picture showing it went to mission lane” done. Now “send us a picture the day it posted” done. Now “send us a picture showing the date it posted” CREDIT PEOPLE THE MONEY WE PAID! Long story short my phone died while I was going back and forth with supervisor Melissa and this individual closed my account without authorization. I always paid in full 2-3 times a month. This company is trash and if you pay on time they don’t like you because they can’t get those steep interest charges if you don’t carry a balance. STAY AWAY
I had an onslaught of medical bills force me into CHapter 7 bankruptcy last year, Mission Lane approved me only 5 months after my bankruptcy. The bad reviews I really don't understand because I have zero credit and Mission Lane gave me a chance!!!
I have nothing but positive experiences with this card. I feel rewarded for being a good customer
I got this card to rebuild my credit and always make on time payments. They have increased my credit line twice which really helps my credit score as long as I keep a low balance.
I’ve had the card for 10 months and paid on time every month. Also kept the balance at no more than $250 and I’ve had two credit line increases! This has been great in helping me to rebuild my credit.
Great for improving one’s credit even when you a challenging credit score! APR is ridiculously high! And I’m not in love with paying an annual fee. Also, you get no perks like frequent flyer miles, etc… This is a no frills, build your credit and make America great again card lol!
I have had nothing but great experiences with this card
I applied for the Mission Lane credit card when my credit was not the greatest. I have used it and have receive 3 credit increases without me having to ask. I do try to pay just a little above what the minimum balance is. Also when I have had to reach out to customer service with a question the service was very professional, friendly and helpful. I would recommend this card to anyone!
Hassle free, great customer service
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