What is the Prosper Card concierge benefit? This question is about the Prosper® Card

What is the Prosper Card concierge benefit?

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This question is about the Prosper® Card

Chip Lupo, Credit Card Writer

@CLoop • 10/27/22 This answer was first published on 10/27/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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There is no Prosper® Card concierge benefit. Cardholders with questions about their account can call 1 (800) 903-4697 for assistance, but the customer service representative won’t be able to perform the wide range of services provided by some credit card concierges.

A concierge acts like an on-demand personal assistant for cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although Prosper® Card does not offer concierge service, plenty of other credit cards do. If the benefit is important to you, some popular cards that have a concierge are Capital One Venture Rewards Credit Card and Chase Sapphire Preferred® Card.

Answer Question

What credit score do you need for the Prosper Credit Card?

You need a credit score of 640 or higher to get the Prosper® Card. That means people with at least fair credit have a shot at getting approved for this card.

Other Prosper® Card Approval Requirements

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Prosper® Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait and apply after you meet the Prosper® Card credit score requirement. You can check your credit score for free, right here on WalletHub.

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How do I cancel my Prosper Credit Card?

You can cancel your Prosper® Card by calling customer service at (800) 903-4697.

If there’s a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Prosper® Card.... read full answer

How Will Canceling Your Prosper® Card Impact Your Credit Score

When you cancel your Prosper® Card card, you may see a decrease in your credit score, depending on the card’s credit limit and how long you’ve had the card. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub’s free credit score simulator.

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Is the Prosper Card a Visa or Mastercard?

The Prosper® Card is a Mastercard, not a Visa. You can use your Prosper® Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including ... read full answer extensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

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