It can be very challenging to qualify for a traditional credit card that requires you to have the perfect credit score. If you're looking for a card that you can apply for easily without impacting your credit score and allowing you to build your credit rating, look for the Mission Lane Black Visa Credit Card.
Mission Lane Black Visa Credit Card is a perfect credit card that uses prequalification tools to help you assess your credit rating. You can then use the card to help you achieve the perfect credit score so you can apply for a better credit card with more features and benefits.
Learn everything you need to know about the Mission Lane Black Visa Credit Card and how you can apply for the credit card in this article.
Details of the Mission Lane Black Visa Credit Card
For many people, having a credit card means being able to afford a large purchase and then paying it off in monthly increments over time. But other people use their cards to help them boost their credit scores and the Mission Lane Black Visa Credit Card is one of them.
You can rebuild your credit score with this card and you don't even need to have a security deposit to do so unlike many other credit-building cards.
The card stands out from the rest as it has prequalification tools to assess your credit score and gauge how many benefits you can enjoy. The card offers the potential for you to earn 1% to 1.5% cash back on transactions depending on your assessment.
You also get an automatic increase in credit limit after the first 12 months of using the card and making on-time payments.
Interest Fees and Other Charges
The Mission Lane Black Visa Credit Card offers a very competitive APR for cardholders. The ongoing APR is around 26.99% to 29.99% which is already very affordable with this type of credit card.
You also do not have to deal with an annual fee and while there is no balance transfer offer, all you need to qualify for the card is for you to have a good or fair credit score.
If you want to use the card outside of the country, you will be charged a 3% foreign transaction fee for every transaction that you make.
Eligibility Criteria for the Card
As mentioned above, you only need to have a good or fair credit score for you to apply for the card but even if you have an average or below average credit score, you can still undergo the prequalification process to see if you can apply.
It is highly recommended that you go through the prequalification check for you to know if you are eligible to apply for the card.
Other requirements will include proof of identity such as any government-issued ID or your Social Security Number, proof of income such as your latest monthly salary slips or income tax returns, and proof of address such as your utility bill or any legal document that has your permanent address in it.
How to Apply for the Mission Lane Black Visa Credit Card
Once you have undergone the prequalification procedure on the official website, you can proceed to apply for the card. Fill out the application form with all the necessary details and upload all the required documents.
You don't need to wait for days to get the approval that you need as the bank will immediately provide you with the results.
If in any case, they do not provide you with an immediate decision, you might have provided them with the wrong information or there are errors in your application form. Make sure that you review your application before you submit them.
What to Expect After Application
Once you receive your approval notification, they will send you a list of instructions on what to do when your card arrives.
You will receive your card within a few business days if approved.
You can create an online account at the official website while waiting for your card to arrive.
Upon receiving the card, log in to your account at the official website to activate it. Once activated, you can immediately use the card for any transactions.
Responsible Use of the Mission Lane Black Visa Credit Card
The best way to improve your chances of getting approved for the Mission Lane Black Visa Credit Card is to bring your credit score up to its standard. Always pay your loans on time all time.
This will help boost their confidence in you knowing that you will always pay your monthly statement on time. If there is an opportunity for you to improve your credit score, take it.
A long credit history will help increase your score. Make sure that you also apply for credit only when you need it to avoid unnecessary expenses.
What Is the Mission Lane Black Visa Credit Card Commonly Used For?
The main purpose of getting the Mission Lane Black Visa Credit Card is to ensure that you have a better credit score.
The card offers a way for you to build or fix your credit score so you can become reliable in the eyes of many credit card providers.
When you finally have a decent credit score, you can move on and apply for a credit card that has a lot more features.
Contact Details You Need to Know
If you have further questions about the card or if you want to learn more about the application process, you can call them at 855-790-8860.
You can also write to them using the address - Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348.
Conclusion
The Mission Lane Black Visa Credit Card is a very good option for you to fix or establish your credit score. By paying your dues on time, such activity will be reflected on your account and you can easily improve your credit score in no time. Soon, rewards will be available on your account or you can start checking out other credit cards that you can apply for.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
