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By Willamette LAWAug 4,2022

I had a job loss and then an accident. My credit went downhill quickly. I had a ton of charge offs. I gradually paid back all my credit cards even though they were closed. My credit report showed that they were all paid off. I then applied for this card and got a $500 limit. It’s now $1,500. When I started rebuilding, my credit score was 541. Today, all my scores are right around the 780 mark, including FICOs. The app is easy to use. I’ve never had a problem with the card. I always pay off the balance way before it is due. I now have two Capital One accounts and a Discover card. $40,500 in total available credit. I think what allowed me to rebuild so quickly in about two years is that I paid off charge off debt. So my credit report showed I didn’t owe anything. And I never keep a balance on a card and am never late. Each of us has our own unique credit profile. What works for me may not work for you and Vice versa. In short, I really don’t use this card much but I don’...

By RachelB33Jun 18,2021

Mission Lane approved me for a card when no one else would. My credit was once really good but was destroyed after my husband’s fight with stage 4 cancer. It was financial ruin for us. Once he got better, I made it my mission to restore my credit and get our finances on track. Mission Lane was my first step to rebuilding my credit. They gave me a chance and here I am, a little over a year later, with a credit score of 746!! Because of Mission Lane, I have been able to get a personal loan and 2 car loans as well. They even increased my spending limit after 6 months. In addition, the app is super easy to use to track your spending and make payments. The company’s mission to help people rebuild their credit with kindness and compassion is second to none in this industry. Thank you Mission Lane, from the bottom of my heart... Sincerely, Rachel, customer for life :)

By SDGeekGirlTooJun 7,2021

I had never heard of this bank or this card before I applied but I am very happy with the decision that I made to go for it anyways. And over a year later, I do not regret it. They have really been awesome, from their customer service, their business practices and even raising my limit twice in that year. I started with a$500 limit and after about 7-8 months (approx??) they increased my limit $100 and then 2-3 months later increased it another $500 for an overall limit if $1100 and it has really been a blessing. I have had zero issues using the online system to make my payments and the payments were credited promptly. (The first month or two they credited the payment as on-time but did not release it to the “open” credit line until the interest payment was taken out. I suspect because I had been close to my limit, I appreciated it!) I have never felt this was like some other cards to improve your credit, where you feel the predatory breathing down your neck as they wait for the cha...

By DreamWebConceptsJun 17,2022

I think the company and card are great! I appreciate them for extending me credit thereby allowing me to build my ailing credit worthiness. But, this isn’t a review on the company nor it’s merits. It is a review on this particular app. While I admit it is difficult for me to consciously submit a one star review for a company I respect and appreciate, I have had the app since the opening of my account, and have yet to avail myself the benefits of access to account information via a conveniently available, user friendly, well designed app platform. I’ve seen this identical fundamental flaw mentioned numerous times in a plethora of reviews, and the issue persists none the less. I maintain the certainty that as a company, Mission Lane, is succeeding, however when it comes to their applications cross-platform performance, they land firmly in the territory of a one star review. I am willing and eager to update this review when and if this critical error is rectified; but until then I must r...

By Stella86531May 18,2022

After a fallout years ago with my credit, I had problems obtaining even a secured card with my credit having a score of roughly 489. I received Mission Lanes invitation in the mail and for an annual fee of $59 which is extremely low and not secured, I honestly thought I was not going to be approved. To my surprise I was approved in late October receiving my card in November with a $300 limit!! I am pleased with this card so far. Most of my collections from past years have fallen off my report and I’ve been in excellent standing with Mission Lane. Just today after 6 months they bumped up my credit to $600 and I’m stoked! My credit score is in the 600’s now across all 3 credit reporting agencies and I couldn’t be more happier!!