Mission Lane is a new company dedicated to helping everyone have access to fair and clear credit. Mission Lane believes in creating a relationship where everybody wins. You do well when you succeed with its credit cards. The company does well when you prosper. It's that simple.
Mission Lane Reviews
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235 reviews from WalletHub and across the web
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3 Star Rating
The card it’s OK if you cannot get any card at all, it’s not my first second or third choice, but it’s better than nothing. I’ve had it for a while. Ever got a credit increase but I also barely used it because there was no rewards no cash back. There was no incentive to use the card. But again, if you have no card, it’s better than nothing. It’s one of the few cards that does not have an annual membership fee
I received this card when I started to fix my credit . Within the last 2 years I really worked on my credit and I am proud. This was I think the 1st or second card I got approved for when I started 2 years ago . I don't have alot of available credit . It only has a 400 limit . Plus is has a 59 fee. But it will hurt to close down the account at this point in time. So hopefully they will see how good of a customer I am and raise the credit limit and lower the Apr. Because ots extremely high. But glad they gave me a chance when I first started out .
I recently made a monthly payment to Mission and got a text that my payment was due and to avoid late fees to make a payment right away. I mailed my payment in a week in advance to make sure it got there on time and checked my bank to see if my check went through. Well, guess what, my check made it to my bank to days BEFORE my due date and cleared my bank. I called customer service and was told to mail my payment in 14 days in advance to make sure it got credited to my account. REALYY? So I'm supposed to get my bill and sit down and write a check and stick it in the mail so they can get it, cash it and NOT apply it to my account for another 14 days? Now, I will be charged a late fee, the credit bureaus will get info that I didn't make a payment and down goes my credit score that won't get fixed or corrected for 2 months. The rep said that I could use my "erase my one time late fees card" so I wouldn't be charged. WHY? I don't need it! I made my payment, THEY have my money but everyone else in the world thinks I'm a non bill paying bum. It shouldn't take 14 days to mail a payment, recieve the payment, post the payment and have it show up on my account that very same day. At the MAX it should take three to FIVE days for the whole process. They are just playing with me and my money and that's NOT how you win and kep customers. There should be a law and there probably is but I'm not going to take the time to argue with them. DO NOT GET THIS CARD !!! I'm paying it off and closing the account. These people are crooks. Do yourself a favor and RUN.
Mission lane is the best good customer service good credit line incre increase they are outstanding love them Always get answer they are very good to people never never had a problem with this bank they are the greatest
The easiest way you can pay your Mission Lane is either online or via the Mission Lane app for iOS and Android. You can also make a payment by calling (855) 570-3732. Ultimately, you can send your payment via mail.
Here's how you can pay your Mission Lane:
Online: Just log in to your online banking account and make a payment for your Mission Lane.
Mobile app: Alternatively, you can pay your credit card bill through the Mission Lane app for iOS and Android.
Phone: If you prefer to make a payment over the phone, call customer service at (855) 570-3732 and follow the prompts.
Mail: Send a check or money order (but not cash) to the following address: Mission Lane LLC PO Box 23075 Columbus, GA 31902-3075 Overnight Payment Address: Synovus Remittance C/O Remittance Processing Attn: Mission Lane 1137 1st Avenue Columbus, GA 31901-2403
Just keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, make sure to send your payment at least 5-7 days prior your due date. This way you could avoid being charged with a late fee.
Yes, the Mission Lane is a good card for people looking to build or rebuild their credit. It doesn't have any hidden fees, and the issuer offers periodical credit limit increases (if you use your card responsibly). You're also given many credit-building tools such as:
Free access to your credit score
Monthly reporting to the major credit bureaus TransUnion, Experian, and Equifax
The biggest downside of the Mission Lane is that you can only apply for it with an invitation code. If you haven't received a pre-approved offer with a code yet, you can join Mission Lane's waitlist.
The Mission Lane Credit Card starting credit limit is $300. If you only qualify for this amount, keep in mind that your annual fee will be $75, which means your available credit will drop to about $225.
Credit limits are generally calculated based on your income and credit history. But Mission Lane will re-evaluate your account at least every 12 months to see if you're eligible for a credit limit increase.