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
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 12/05/2022.
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297 reviews from WalletHub and across the web
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5 Star Rating
This company is Awesome, helps you out even if you barely have credit and has definitely helped me build credit. I'd def recommend
Mission Lane is a joke I have always paid on time never late and always paid almost the full balance off keeping it well below 30% and yet I have never gotten a increased and it takes them so long for payments to be posted I have been a cardholder for over a year now I recommend credit one American Express I gotten a increase with them in just a few months
I love this credit card and the app works perfectly, I use this credit card to pay bills and then pay card balances often, I am not sure how much it helps your credit spending more than credit limit and paying off every month
I had to select credit cards since there was no other option. I opened a bank account with Mission Lane after they advertised an offer for increasing your credit line $500 if you deposited $200 in their bank. I already had a credit card with them, so I opened the bank account. What followed was a nightmare. First, it took 5 days for the funds to show as available and once it showed as available, my account was immediately locked. I replied to the emails they sent requesting my social security card, my driver's license, AND face recognition. 3 days later no response and my bank account is still locked. I called customer service and they just said I had to wait for an email reply (after verifying my life story to the rep). REALLY convenient that as soon as the funds showed as available, they locked the account. At this point, I just want my money back. The credit line increase is not worth it. I realized too late that this is a scam, and now I am short $200.
Online: Just log in to your online banking account and make a payment for your Mission Lane Card.
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 Card 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 Card 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's credit limit starts at $300. Credit limits are generally calculated based on your income and credit history, and Mission Lane will re-evaluate your account at least every 12 months to see if you're eligible for a credit limit increase.
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.