Mission Lane Card Reviews

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 chance to charge you a large fee.

I feel they want me to succeed and that is indeed a nice feeling. 🤗 Thanks Mission Lane!

I’m just getting the card. I set up MissionLaneCard on my phone, used it and paid it off quickly so I could make sure MissionLaneCard worked. So far so good. I’ve read some reviews about it taking too long to post payments. I had to call customer service because they sent my card at the end of April and I didn’t receive it. So, I called them, it didn’t take too long for them to answer, they quickly canceled my card and sent me a new one. I must say they’re customer service professional was pleasant and the issue was resolved quickly. So FAR, they checked all of my boxes. I’ll definitely come back after 6 months to give another review. Thank you Mission Lane for helping me build my credit.

When I first got this card and app...I was a little weird about using it due to other reviews I had read previously. Had to give ML a break because MissionLaneCard was still pretty new. MissionLaneCard has improved greatly. Payments post within 24 hours which is awesome. I’m not sure if purchases take a few days to show, but I mean it’s no different from my other CC accounts. They have processing times even if it shows on MissionLaneCard , so whatever :) they gave a credit increase after a 6 month period which is very reasonable. All is well. Figured I’d spread some positive vibes instead of bashing MissionLaneCard . It’s been improving over time. Thanks!

MissionLaneCard has certainly come a long way from when it used to be LendUp. It’s so much more user friendly and accessible now and I can’t say that I’ve had any problems or issues thus far. Transactions and payments apply and show up promptly and they offer access to lots of information and articles for people rebuilding. I think it would be more convenient to be able to update your personal information through MissionLaneCard or online instead of having to call into customer service, but that’s more a minor inconvenience than anything. Overall it’s been a great experience so far.

First off, I’ve been recovering my credit even before the pandemic hit. But with hard work, and trust, mission lane was able to start an unsecured credit account that I am able to manage through their seamless app. Everything is near perfect and I highly suggest using this application and this company.

Customer suggestions:

When paying your bill, direct debit would be highly beneficial to help the delay as it takes several business days for ACH transactions.

Credit reporting:

I would just suggest trying to more frequently report more positive trends to the credit Bureaus, as negatively reporting usage more frequently than payments reflects poorly on the customer, or have even intervals for both positive and negative reports.

Customer tip:

Keep general credit usage below 15% and always pay your bill before it’s due.

All in all 5 out of 5 for this type of credit recovery.

After Years of zero credit because I hated credit and bills associated with them. My credit dipped down into the 500’s. I accepted the fact credit is a necessary evil and applied. I was immediately approved and my credit instantly jumped up 74 points. Thanks Mission Lane.

I even had an issue initially because My credit karma address from which Mission Lane extracted my information from was wrong. It took several calls but eventually I got through to a representative and his manager.
Super Nice people. Thanks Mission.

I’m liking the Mission card and app so far. As long as they keep their promise of increased credit limit after a few on time payments.. I’ll be happy. I have several of these other garbage $300 limit credit cards that I pay triple minimum payments on time every month but no credit increases even after several years with some of the cards. $1300 emergency happens I have to look like an idiot and spread out over 3-4 cards. I pray Mission bank understands how real life works and will be different than the rest.

I give the company and MissionLaneCard 5 stars for quality and excellent services, but I would like see the statements in MissionLaneCard as PDFs that can be printed. I haven’t been able to print any of my statements to date. I want to print them out of my email, but they are never emailed to me? I have checked my junk mail and still no statements. I am only able to view them, and I need to be able to print them from my email.
I contacted them twice and the answer has been the same, but no resolution yet.

The Mission Lane App and card services used to be downright ARCHAIC! Payments took forever to post and there was very little functionality on the site itself. Now payments are easy to track and post much quicker to your account. I had previously just put my Mission Lane Visa card away in a drawer since payments and usage was so awful - Now I have the card back in my wallet and am using it regularly. THANK YOU Mission Lane for finally updating your app and all your card services - much appreciated!!

MissionLaneCard is straightforward and to the point. You login, see what you owe, And pay. It really is that simple once you set up your Checking account. Make a payment whenever you want, and build your credit. The only thing I dislike about the company is that it takes a while for money that you send in to post in to be available. But that really has nothing to do with MissionLaneCard . As far as MissionLaneCard is concerned, it works well and a simple to operate.

Hi , everything I have seen has been great. There is only one thing I have came across, and that is when editing payment accounts- such as your bank that you are making payments with can not be removed - this needs to be fixed so that 1. I can update to another bank to make payment 2. So I can delete the old account/s for security
Please fix this problem! Thank you -

Mission Leah gave me a chance for unsecured card even though I’m in bankruptcy and I thank you very much considering me
I’ve had Citi credit card for over 82 months with all on time and early payments secured card $200 they won’t give me an increase & my so-called refundable $200 with a minimum of six months pmts should've been refunded but it has not happened I hate Citibank
I’m canceling my Citi account for the simple fact that they don’t live up to their word

Everything was simple and easy just how I love it. I applied for the card got thousand dollar credit limit. Making payment is simple and easy how I love it. It’s only one thing missing tap and go. I would love to add this card to my apple wallet(I would use it much more) I don’t like taking out my wallet everywhere it’s a lot going on right now in the world plus it’s scammer devices everywhere now. Tap and go would make this card PERFECT!!!

MissionLaneCard does everything easily ... make payments, transaction history, view statements & much more. I’m using iPhone 11 Pro Max w/latest iOS. MissionLaneCard developers did a great job.

I researched Mission Lane ... interesting background.

The annual fees & huge interest rate is disappointing. PAY the “New Balance” shown on your monthly statement every single month. Do NOT make “Minimum” payments. Otherwise, the interest charges will rob you blind.

Mission Lane has been helpful in beginning the rebuilding of my credit after bankruptcy. First of all, they gave me a chance, second, the yearly fee is only $19! That is major because many cards are $99 a year. I am making sure that my payments are on time and are as much as I can afford. NOT just the MINIMUM!! You must show that you are reliable and not falling back into old habits.
Thank you, Mission Lane!!

The first 6 months of being a card user, MissionLaneCard worked great. I could make my payments directly through MissionLaneCard , see my balance and every transaction. Now I get a blank (white) screen once I enter my login credentials. No account summary, No balance, No transactions, NOTHING. I have to use a computer and go the website to see my account and make payments and see transactions. Somehow I think this defeats the purpose of MissionLaneCard . My phone is updated regularly, MissionLaneCard shows no update needed.
I have uninstalled and reinstalled at least ten times. Still nothing.
If anyone who works on MissionLaneCard reads this, please send me advice!

I have carried this card for a couple of years now, sort of as a backup. Now that I am using it regularly, the credit limit has gone up, the interface is super simple, the payment and account information is very transparent, and the merchandising is discreet. It is now my go to card. If you can transfer the balance from another card, I recommend it.

MissionLaneCard works as well as any other banking app out there, including the larger established banks for that matter. In fact, MissionLaneCard has great little touches to it that I believe make it better, a delight even! The top of the home screen has a credit used bar which is great for managing my credit. It also has a free credit score tool. That, combined with my balance clearly stated with a due date is what I need and MissionLaneCard delivers. 😀

MissionLaneCard itself is whatever I wish they would make a remember me button. I don’t like that I have to type my email in every single time. It is annoying and any other banking company has that feature. Have emailed them multiple times but nothing so maybe this will do it. Spend more time typing in my email every day to log in than this review. Everything else is fine, you will see all your transactions within a few days they don’t come up immediately.

Absolutely, my favorite card.. I had no problem getting a credit line increase.. I’ve always kept it honest with them and they have done the same in return… my credit is not the best in the world, but they still had faith in me and I will always remember that..Just recently got my $1100 credit line all the way back down to zero.. thank you very much Mission Lane

I made several payments with my bank card to bring down my balance & they said my banking info was incorrect & then chatted me late fees for non payment, reversal charges for the amt I paid & over limit charges after applying my $59 card fee. When I tried to contact customer service I was given misinformation from a man who barely spoke english and couldn’t even verify the bank lender when I asked.
No assistance what so ever. I will pay off the card (maybe) & never ever use this bank again. Apple shouldn’t even allow this company to have an app. For someone trying to repair their credit & get back on their feet, this company/bank should be ashamed!!!!!

MissionLaneCard is so convenient to help me keep track of my credit card usage! I love how easy and organized everything is and I’m looking forward to using this card as needed!

It’s an informative app with a simple interface. Customers can see their credit score, make a payment, view recent transactions and view educational videos.

The only sign in option offered is Touch ID. FaceID has been around for 3 generations of phones already. How have they not updated their app to accept FaceID??? When you try to access app support through app store, their website offers no links for app support. Who’s in charge?

A good simple app with all the features you need to manage your credit card

I just updated to this new version and now it’s telling me it’s not supported that I need to update to the new app. When I go to MissionLaneCard it’s the same as I have now. I can’t log in at all! What do I do?

It lets you see your balance and account details. But if you click on account details, on an iPhone X the close x does not work.

Please fix

Sometimes it will not even open MissionLaneCard after I log in. All my other ones r quick this one I have to sit and wait and half the time it eventually opens the other half it doesn’t u should fix this

Recent activity is hit or miss. You would think that you would get the same list as on their online page but you don’t. I’m becoming disappointed with MissionLaneCard and the card company’s customer service.

I like what the credit card offers... but I’ve created an account, which I can log in on the full site; when I put in my information on MissionLaneCard , it just sits in loading

Not sure the problem but it’s inconvenient

MissionLaneCard itself is fast, but I hate that it doesn’t support FaceiD, and Pay. I’m less likely to use the card because of it. All of my other cards support those features. Please add.

App was good at first. Now it’s telling me MissionLaneCard is no longer supported and to update it. Problem is, there are no updates available.

Where do you read your messages When can you use your card

MissionLaneCard does not work. When I enter my credentials, it just clicks and never opens. I have to go on the full website to access my account. What gives??