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• A letter to Santa is written
• It is placed into an envelope
• A First-Class Mail postage stamp is placed in the upper right corner of the envelope
• The writer’s return address is written clearly in the upper left corner of the envelope
• The envelope is addressed to Santa Claus, 123 Elf Road, North Pole, 88888
• The envelope is mailed — either by handing it to a mail carrier, dropping it in a blue collection mailbox or putting it in a mail chute at a local post office
• The letter travels to 123 Elf Road, Santa’s official Postal Service address
• Elves open the letters and make sure it contains a full name and complete address
• The letters are coded, copied, personally identifiable information (PII) is redacted and the redacted letter is posted for adoption
• Generous volunteers adopt letters and fulfill wishes
• Adopted letter writers generally receive gifts

• Nov. 01: Letters can be sent. Must have a postmark between Nov. 1 – Dec. 10
• Nov. 15: Registration and ID verification (of adopters) begins
• Nov. 29: Letter adoption begins
• Dec. 10: Last day to send letters. Must be postmarked by this date.
• Dec. 22: Letters, if available, will remain on the site until 11:59pm
• Dec. 23: Site shuts down for the season at 12:01am
• Jan. 14: Deadline for packages to be sent to letter writers

Yes. The letter writer’s personally identifiable information (PII) is redacted — last names, addresses, school or community names, identifying information, etc., are blacked out on the letter that is posted. The sender of the gift does not know the PII of the letter writer.

Unfortunately, military servicemen and women deployed overseas cannot participate in the program at this time. We are working on ways to resolve this issue, but it will not happen for the 2021 season.

No. While there used to be a few locations around the country where letters could be adopted in person, due to COVID, USPS Operation Santa is exclusively online.

Yes. Anyone can write a letter! The Postal Service receives tens of thousands of letters each year written by children and adults. Everyone deserves a little magic during the holidays!

The letter doesn’t NEED to say anything specific, but it should. Being specific — including details like whether the gift is for a boy or girl and including ages helps. Games and book titles, sizes (infant, toddler, teen, etc), colors, etc. makes it easier for the letter adopter to fulfill.

Yes. The envelope addressed to 123 Elf Road, North Pole, 88888, requires a First-Class Mail postage stamp in order to be processed through the postal network. The envelope also needs a complete return address: full name, street address including apartment number and street directional, if applicable, city, state and ZIP Code.

Without a return address, Santa’s helpers have no way of knowing how to get a gift to you.

The official U.S. Postal Service address for Santa Claus is 123 Elf Road, North Pole, 88888.

Beginning Nov. 15, customers can register and get their identities verified so they can create an account. Simply go to USPSOperationSanta.com to begin the process. After you register, your identity must be verified. Follow the prompts. Once your identity is verified, you have created an account.

Yes. Account information from previous years is not retained and potential adopters must create a new account each year to participate in the program.

Verifying online adopters helps simplify the process of keeping the letter writers safe. We want to ensure we know who is responsible for each gift sent.

In order to verify your identity, we try to match the information you provide with records matching your information. This lets us know you are really you and who is responsible for each gift sent. This year, for the first time, we are offering an in-person verification option for customers unable to get verified online.

There are numerous reasons why you couldn’t get verified. For example: There might not be enough records tied to your name in order to verify you are really you. You will have the opportunity to get verified in person at one of 19,000 post offices nationwide. Find the post office closest to you.

No. Unfortunately, as part of the Postal Service effort to protect the letter writer, if your identity cannot be verified, you cannot adopt letters.

Yes. Anyone can adopt a letter after they have registered; first they must create an account and have their identity verified.

Yes. It’s completely up to you how you fulfill the letter writer’s wishes. However, no more than six boxes can be sent per individual adoption. NOTE: you are responsible for postage for every package.

You can fulfill the gift however you wish. Sending a gift card is an easy solution to many requests. The gift card will need to be sent in a Priority Mail envelope, along with the note from Santa.

Yes. Each registered person can adopt no more than 15 letters.

In many instances, letters are adopted as soon as there are posted. The letters must be opened, reviewed, coded, copied, processed and posted. This happens daily through Dec. 22. If there are no letters, it means they’ve all been adopted. But please check back — we are working hard to add new letters.

Packages must be under 70 pounds and have a maximum combined length and girth of 108 inches (girth is the distance around the thickest part of the package). If you are worried about the weight or size of your package, consider shipping in multiple boxes. No more than 6 boxes will be accepted per individual adoption or a total of 12 boxes per family adoption.

Read our Shipping Guidelines for more information.

You can ship your gift between Nov. 29 – Jan. 14.

To ensure each location has the tools they need in place for USPS Operation Santa to work, only Post Office locations that use certain computer technology (Label Broker®) can accept these packages. Currently there are more than 19,000 participating Post Office locations to choose from.

Since the letter writer’s personal information is protected — including their address — the QR Code sent to your email account must be taken to the Post Office when you’re ready to ship the gift. The postal clerk will retrieve the information and will place the shipping label (with the letter writer’s address) on the package without you seeing it.

Yes. The price of postage depends on various factors such as the shipping distance and the weight and the length and girth of the package. Using Priority Flat Rate boxes is a good option to control shipping costs. Read our Shipping Guidelines for more information.

Yes. The Label Broker application (which is used to keep the recipient’s identification anonymous) is limited to Priority Mail service.

Yes. Size and weight matter in terms of ability to ship and in terms of postage.

• The box and its contents must not weigh more than 70 pounds
• In most cases, the maximum combined length and girth is 108 inches (girth is the distance around the thickest part of the package)

Yes. Many common household and consumer products may not be mailed. Although these items are not dangerous when stored in your home, they can become dangerous when shaken or exposed to temperature or pressure changes. Additional information can be found here.

Read our Shipping Guidelines for more information.

• Choose a sturdy box
• We’d prefer you not reuse a box because they weaken in the shipping process. But if you do, make sure all labels, codes and markings are removed or completely covered over
• Pack the gifts with cushioning material around the contents to protect fragile items and prevent items from shifting in transit
• Tape the box shut and reinforce the seams with packing tape
• Do not use cord, string, or twine, because it may get caught in the mail processing equipment
• Do not wrap the box in wrapping paper

Postage is based on size, weight and distance. Smaller, lighter packages shipped in-state or to an adjacent state will be the less expensive shipping option.

• Use Priority Mail Flat Rate boxes — free at your local Post Office location.
• Adopt a letter in the same state as you, or in a nearby state.
• Get a large Priority Mail Flat Rate box from your local Post Office and take it with you when you go shopping. Only purchase things that can fit in the box. You can send 6 boxes to each letter writer.
• Look at the dimensions of the gift very carefully, paying special attention to size and weight.
• Consider a gift card for larger, heavier items. If you want to send just a gift card, it will need to be sent in a Priority Mail envelope, 4x6 or larger to accommodate the shipping label.

Read our Shipping Guidelines for more information.

The Mission Lane Visa credit card is a new product on the market that offers many benefits to early adopters. There are no hidden fees, and all the pricing is clear and upfront for you to see. On top of this, the bank will push your credit limit up over time. The longer you're with them, the more they'll let you borrow. However, since the card is relatively new, it's not totally clear how you activate it. Here we're going to cover two simple methods for how to activate a Mission Lane credit card.

The two methods for activating your Mission Lane credit card are to do so online through their activation portal, https://www.missionlane.com/activate, or by phoning them on 0800-456-6870.

Choose the way that suits you best:

1. Go Online to Activate Your Mission Lane Credit Card
2. Activate Your Mission Lane Credit Card by Phone

Go Online to Activate Your Mission Lane Credit Card

1. Open Mission Lane's official website
2. Log in to the site using your online banking credentials
3. Find the card under your accounts and activate it

Activating your card online is definitely the easiest method in this guide. There are two ways to activate your card within the bank's online services. We'll go through and cover each of those now so that no matter how you received your cad, you can activate it easily.

Activate Through Mission Lane's Portal

This first method for activating a card online is for those who want to take the initiative. You should have received your card in the mail, and the document that came with it will contain a URL. This is the address of Mission Lane's online activation portal. You can get there by heading over to https://www.missionlane.com/activate.

At this point, there are two options. The first is to log in with your Mission Lane account information. If you have an online account, you can easily log in and activate the card using the bank's portal.

If you don't have an account, you'll need to set one up so that you can activate your card. You should have the following details handy if you need to set up a new account:

• Name and address the card is associated with
• Your Social Security Number
• Your Mission Lane bank account details

With all of these details, you should easily be able to set up an account. Following that process, you can then activate your card.

Activate Through Mission Lane's Main Website

If you would rather activate your card through Mission Lane's main website, that's also possible. Head to the main website.

the first thing you should notice is two buttons. The first is the one you need to click, “Respond to Mail Offer.” Now you'll need to input the long card number across the front of the card. this will activate the card, but you'll need to provide some other personal details in order to create an account.

It's sensible to create an account if you're responding to a mail offer. This ensures that you can track your spending, fees, and everything else linked to your Mission Lane card.

Activate Your Mission Lane Credit Card by Phone

To activate your card by phone, all you need to do is call the Mission Lane helpline on: 0800-456-6870.

When you phone them, there will be someone on the line who will take your details. They'll need the long card number across the front of your Mission Lane card. They will also probably need the following:

• Your name and address
• Your Social Security Number
• The account that the card is associated with

If you don't have a Mission Lane account when you phone to activate your card, the person who answers will be able to help you set one up. As with the online activation method, it's a good idea to set up an account with your card. It will help you manage your purchases in the future.

Conclusion

That's all you need to know about activating a Mission Lane credit card. If there's something that you think we missed, please let us know what it is in the comments. Now that you've activated your card, you can make deposits to other services such as Chime. Find out how long it takes to deposit on Chime with our guide here.

The Mission Lane Visa credit card is a new product on the market that offers many benefits to early adopters. There are no hidden fees, and all the pricing is clear and upfront for you to see. On top of this, the bank will push your credit limit up over time. The longer you're with them, the more they'll let you borrow. However, since the card is relatively new, it's not totally clear how you activate it. Here we're going to cover two simple methods for how to activate a Mission Lane credit card.

The two methods for activating your Mission Lane credit card are www turbotax com full site do so online through their activation portal, https://www.missionlane.com/activate, or by phoning them on 0800-456-6870.

Choose the way that suits you best:

1. Go Online to Activate Your Mission Lane Credit Card
2. Activate Your Mission Lane Credit Card by Phone

Go Online to Activate Your Mission Lane Credit Card

1. Open Mission Lane's official website
2. Log in to the site using your online banking credentials
3. Find the card under your accounts and activate it

Activating your card online is definitely the easiest method in this guide. There are two ways to activate your card within the bank's online services. We'll go through and cover each of those now so that no matter how you received your cad, you can activate it easily.

Activate Through Mission Lane's Portal

This first method for activating a card online is for those who want to take the initiative. You should have received your card in the mail, and the document that came with it will contain a URL. This is the address of Mission Lane's online activation portal. You can get there by heading over to https://www.missionlane.com/activate.

At this point, there are two options. The first is to log in with your Mission Lane account information. If you have an online account, you can easily log in and activate the mission lane card reviews using the bank's portal.

If you don't have an account, you'll need to set one up so that you can activate your card. You should have the following details handy if you need to set up a new account:

• Name and address the card is associated with
• Your Social Security Number
• Your Mission Lane bank account details

With all of these details, you should easily be able to set up an account. Following that process, you can then activate your card.

Activate Through Mission Lane's Main Website

If you would rather activate your card through Mission Lane's main website, that's also possible. Head to the main website.

the first thing you should notice is two buttons. The first is the one you need to click, “Respond to Mail Offer.” Now you'll need to input the long card number across the front of the card. this will activate the card, but you'll need to provide some other personal details in order to create an account.

It's sensible to create an account if you're responding to a mail offer. This ensures that you can track your spending, fees, and everything else linked to your Mission Lane card.

Activate Your Mission Lane Credit Card by Phone

To activate your card by phone, all you need to do is call the Mission Lane helpline on: 0800-456-6870.

When you phone them, there will be someone on the line who will take your details. They'll need the long card number across the front of your Mission Lane card. They will also probably need the following:

• Your name and address
• Your Social Security Number
• The account that the card is associated with

If you don't have a Mission Lane account when you phone to activate your card, the person who answers will be able to help you set one up. As with the online activation method, it's a good idea to set up an account with your card. It will help you manage your purchases in the future.

Conclusion

That's all you need to know about activating a Mission Lane credit card. If there's something that you think we missed, please let us know what it is in the comments. Now that you've mission lane card reviews your card, mission lane card reviews can make deposits to other services such as Chime. Find out how long it takes to deposit on Chime with our guide here.

Though it’s far from the best credit-building card out there, the Mission Lane Visa Credit Card could be a decent fit if you’re looking for a chance to build or rebuild credit without tying up money in a security deposit.

Since this unsecured credit card is available even with bad credit or no credit history, charges a relatively low fee and reports to all three credit bureaus, it can certainly mission lane card reviews the job done as a temporary stopgap for credit-builders who want to work on their credit and eventually move on to a card with even better terms.

That said, the card falls short of many secured credit cards due to its annual fee and very high ongoing APR. And if you have at least fair or average credit, you should be able to find an unsecured card that carries a lower cost of membership, offers cash back rewards or both.

Resources: How to pick the best credit card for you

Why you might want the Mission Lane Visa card

The Mission Lane Visa’s relatively low cost compared to other unsecured credit-building cards and its low entry barrier stand out. While the card is nothing flashy, it can help you get the job done if your priority is building credit. Since the Mission Lane Visa carries no activation or monthly maintenance fees, and your annual fee won’t go up after your first year, as is the case with many cards in this niche, it’s a good card to have in your wallet if you’re looking to phase out of bad credit.

Straightforward credit-building

The Mission Lane Visa reports to all three credit bureaus, so if you pay on time and avoid maxing out your card, you should build credit over time.

One plus for cash-strapped credit-builders is that the Mission Lane Visa is an unsecured credit card, which means you won’t have to put down a cash deposit to get started. Secured credit cards, in contrast, typically require you to tie up $200 or more in a security deposit when you open an account. Though this deposit is refundable when you close the account or “graduate” to an unsecured card, it can be a deal-breaker if you can’t afford to set aside a chunk of money for six months or more just to build credit.

Having no deposit requirement makes the Mission Lane Visa more accessible for more credit-builders, so our credit-building card rating methodology gives it extra points in the “ease of building credit” category.

However, secured cards can offer more flexibility when what is your online user id for citizens bank comes to your credit limit, which could help fast-track your obx house rentals 2020 efforts. That’s because credit utilization – the amount of credit you’re using compared to your total available credit – makes up a whopping 30% of your FICO credit score. Since the deposit on secured cards typically doubles as your credit limit, you can put down a large deposit and get a high limit on many what is my chase quickpay email cards. A higher credit limit can make it easier to keep your credit utilization low, and the lower your utilization, the better your score.

Whereas some secured cards let you put down $2,000 or more and get a matching credit limit, the Mission Lane Visa features a minimum starting credit limit of just $300. While this is a pretty standard starting limit for an unsecured credit-building card, it’s worth keeping in mind since such a low limit means that carrying even a small balance could spike your credit utilization ratio. For example, if you had a $300 credit limit and the Mission Lane was your only card, a single $100 charge would put you over 30% credit utilization (a common rule of thumb is to keep your utilization below 30% to avoid hurting your score).

Fortunately, the issuer will periodically review your account to see if you’re eligible for credit line increases, starting after six months of card membership.

Tip: Even if you’re set on avoiding a security deposit, the Capital One Platinum Secured Credit Card is worth a look. It only requires a $49 refundable deposit but gives you a minimum starting limit of $200. Depending on your financial situation and credit-building strategy, this could be a better deal than the Mission Lane Visa card’s $59 annual fee and $300 starting limit.

Resources: How a secured card helped my score

Relatively low annual fee for an unsecured card

Compared to unsecured credit-building cards like the Credit One Bank® Platinum Visa® for Rebuilding Credit, which carries a $75 annual fee in your first year (after that $99 annually, billed at $8.25 per month) and the Milestone® Gold Mastercard®, which carries an annual fee as high as $99 ($35-$99 based on your credit), the Mission Lane Visa is considered a good deal when it’s annual fee is set at $59.

Although the Mission Lane Visa’s annual fee is far from the highest you’ll find on an unsecured credit-building card, it’s still pricey and unnecessary if your main goal is building credit. Depending on your credit, this could run as high as $75 if you apply another way but it could be just $59 if you apply through CreditCards.com and are approved.

Applying for a secured card could be a capital one bank corporate office phone number option because there’s a chance you could get your deposit back when you close or upgrade your card account. A secured card will almost certainly be a more affordable way to build credit with a credit card – many charge no annual fee and let you put down a refundable deposit as low as $100.

Fair approval odds

The Mission Lane Visa is designed for cardholders who need to build or rebuild their credit, so you should have a decent chance at qualifying even with a bad credit score (a FICO score below 580). If you have fair or average credit or limited credit history, your odds may be even better.

Why might want another card

While it’s one of the better unsecured credit-building options, the Mission Lane Visa card comes up short in a few areas. While some issuers give you the opportunity to see if you prequalify for a card, the Mission Lane Visa lacks in this area and the card only offers limited benefits—some of these perks, however, include helpful credit tools that let you keep tabs on your credit profile. Plus, if earning rewards and building credit at the same time are your goals, it may be better to investigate another card and perhaps one with less fees that won’t rack up high interest charges. Here’s a recap of some of the major drawbacks to keep in mind:

No prequalification process

Unfortunately, the card’s issuer does not offer a soft pull prequalifcation tool on its website. You can, however, use the CreditCards.com CardMatch tool to see if you’re matched with the Mission Lane Visa based on your credit profile. This has no impact on your credit score and should give you a better sense of your odds of approval.

While you can apply for the Mission Lane Visa at CreditCards.com, you can’t apply directly through the issuer’s website unless you’ve received an invitation to apply. That’s because Mission Lane is currently accepting applications only on a limited basis. Unless you’ve received an invitation or apply through a partner site like CreditCards.com, your only option is to sign up for the card’s waitlist.

Signing up for the waitlist does not guarantee you’ll eventually receive a Mission Lane card invitation or approval. This only ensures you’ll be notified if or when the issuer makes applications available to the public. According to the Mission Lane website, this waitlist “does not guarantee that you’ll receive any product or anything of value from Mission Lane or our affiliates.”

That said, when you apply for the Mission Lane Visa, the issuer promises an instant approval decision, so you won’t need to spend weeks waiting to see if you’re approved.

Could be costly if you carry a balance

The Mission Lane Visa’s interest rate is much higher than the industry average and is high even for a card in the credit-building category. If you have any doubt about your ability to pay off your balance in full each month or if you are looking for a long-term financing tool, the Mission Lane Visa will be a poor choice.

The card could also end up costing you if you carry a balance or struggle to meet the monthly deadline for your minimum payment. If you fail to pay off your balance in full, you’ll face a 29.99% variable APR, regardless of your credit score. This rate eclipses the average credit card APR and is high even compared to many other cards designed for someone with a damaged credit score.

There is also a late payment fee of up to $35 with the Mission Lane Visa. While that’s not the highest you’ll find (many cards charge up to $40 for each slipup, the maximum late fee allowed by law), it can add up quickly if you regularly struggle to pay your balance on time. Luckily, the card doesn’t impose a penalty APR.

Other fees to watch out for with the Mission Lane Visa include a cash advance fee of 3% (minimum $10) and a 3% foreign transaction fee, which makes the card a poor choice for frequent international travelers.

No rewards program

The Mission Lane Visa doesn’t offer a welcome bonus or any rewards on your spending. While these are not common among credit-building cards, they’re not unheard of either. A handful of credit-building cards – both secured and unsecured – offer cash back programs that can help you save on everyday spending and offset some of your card’s cost.

An alternative could be the unsecured card that earns some cash back rewards is the Credit One Bank Platinum Visa for Rebuilding Credit if you wanted a rewards program. Cardholders can earn 1% cash back on eligible spending such as gas, grocery purchases and mobile phone, internet, cable and satellite TV services (terms apply). However, you would have the $75 annual fee to fork over for the first year, after that $99 annually ($8.25 per month). A card like this requires some sacrifice if you want to earn some rewards while building your credit.

Limited card benefits

Considering the Mission Lane Visa card is geared toward people working on their credit score, it’s no surprise that the card doesn’t carry many extra benefits. However, the few perks the card carries may offer some small everyday value and can be useful if you’re trying to keep tabs on your credit profile overall. Here are a few highlights:

• Free credit education tools – Cardholders get free access to their credit score as well as educational resources to help them build better credit that lasts.
• Auto rental insurance – You’ll get an auto rental collision damage waiver that covers you against damage due to collision or theft when you rent a car with the card.
• Mobile app access – You can easily track your spending, check your credit score and credit utilization and make card payments through the Mission Lane mobile app.
• Get a chance to build credit – Your balance and payments will be reported to the three credit bureaus – Experian, Equifax and TransUnion – so you should see your score improve if you use your card responsibly.
• Chance at higher credit limits over time – The issuer promises to review your account after six months of on-time payments to see if you’re eligible for a credit line increase. Some competing cards either don’t offer credit line increases or have no clear timeline for getting a credit line increase.

How does the Mission Lane Visa card compare to other credit-building cards?

While the Mission Lane Visa may make sense for cardholders with bad credit who want to work on their score and avoid a deposit, you may be able to find a lower-cost option, especially if you have at least fair credit (or limited credit history). Here are some alternatives to consider:

Capital One QuicksilverOne Cash Rewards Credit Card	Capital One Platinum Credit Card	Petal® 1 "No Annual Fee" Visa® Credit Card
Rewards rate 1.5% cash back on all purchases	Rewards rate None	Rewards rate None
Credit limit See terms	Credit limit See terms	Credit limit $300-$5,000
Annual fee $39	Annual fee $0	Annual fee $0
Other things to know Account reviewed for possible credit limit increase after 6 months of on-time payments Automatic cash back redemption available No foreign transaction fees	Other things to know No foreign transaction fee and no security deposit required Account reviewed for possible credit limit increase after 6 months of on-time payment	Other things to know No foreign transaction fee and no security deposit required Issuer considers alternative credit data (like income and bill payment history) when evaluating applications, not just credit score Includes money-management tools and free credit reporting

Capital One QuicksilverOne Cash Rewards Credit Card
If you have fair credit or higher (a credit score of 580-plus), the Capital One QuicksilverOne card is a great option. Indeed, this cash back credit-building card beats out the Mission Lane Visa in nearly every category. Not only does it charge an annual fee of just $39 (versus $59 with the Mission Lane Visa card), but it also offers unlimited 1.5% cash back on every purchase, which will help offset the card’s cost even further. Plus, once your score improves, you may be able to upgrade to a more lucrative rewards or cash back card from Capital One.

Capital One Platinum Credit Card
If you want to avoid an annual fee and have at least fair credit, the Capital One Platinum card is one of our top picks. It’s far from the flashiest card, offering next to nothing in the way of perks, but it carries a $0 annual fee, requires no security deposit and gives you a chance at a credit limit increase after six months of on-time payments. If building credit is your top priority, it’s hard to go wrong with this streamlined card.

Petal® 1 "No Annual Fee" Visa® Credit Card
The Petal 2 card is a terrific option for credit-builders since it’s available even with bad credit, charges no annual fee and offers a minimum starting credit limit of $300. The card is also notable for its flexible approvals process: The issuer can consider more than just your credit score when you apply and may take into account other financial data like your bill payment history. This will be a big help if you’ve had some credit missteps in the past but are otherwise on solid financial ground.

How to use the Mission Lane Visa card

• Use your card for small purchases to keep your credit utilization low and ensure you can pay off your balance each month.
• Pay your credit card balance in full every month to avoid the high APR on purchases.
• Monitor your credit score and progress with the Mission Lane mobile app.

Is the Mission Lane Visa card worth it?

The Mission Lane Visa card probably isn’t your best credit-building option (a secured card will almost certainly be a better deal), but the card’s relatively low fees beat out those of the average unsecured credit-building card. This means if you have bad credit and are set on avoiding a security deposit, the Mission Lane Visa is worth a look.

If, on the other hand, you have at least fair or average credit or don’t mind tying up money in a security deposit, the Mission Lane Visa isn’t worth an application.

In this Mission Lane Visa® Credit Card review, we’ll go over the card fees, take a look at the card’s credit score requirements, compare the card’s pros and cons, and more.

This Mission Lane Credit Card Review Contains: 

(Click on a link to jump to the specific section)

• Who is the Mission Lane credit card for?
• Credit score requirements 
• Mission Lane credit card fees
• Mission Lane credit card benefits
• Pros and cons of the Mission Lane elmira savings bank elmira card
• Alternative cards to apply for 
• 7 Mission Lane Credit Card FAQs 

Let’s dive in.

Who is Mission Lane credit card for?

This card is best for:

1. People with poor credit (credit score under 580)
   People with poor credit tend to be Mission Lane’s target audience and those who would benefit most from their credit structure.
   
   It opens the opportunity for those with poor credit to improve their credit score with Mission Lane. 

1. People with a fair credit score like young people
   Additionally Mission Lane is an excellent card for those with a fair credit score like young people, college students, and anyone who doesn’t have prior credit card experience.
   
   With the rising awareness of the financial stress associated with credit card debt, Mission Lane is a modern fintech venture allowing one to build better credit by making timely payments while not trying to bait gimmicky rewards.
   
   Mission Lane is great for this demographic because it is very attainable with bad credit, and also increases cardholders’ credit scores with timely payments. 

How to Apply for the Mission Lane Visa® Credit Card

There’s currently no way to apply for a card even if you meet Mission Lane’s requirements. The only way to stand a chance of getting a card is to have been contacted by Mission Lane. 

Alternatively, you can apply for the card on their website and join the waitlist. However, this doesn’t guarantee approval. 

Mission Lane Credit Card credit score requirements 

Mission Lane’s goal is to help those with bad credit (a score below 580) and you can apply if you fall into that category. However, if you have a fair score (580-669) your chances of approval are even higher. 

Improving your Credit Score

Mission Lane also reports your credit activity to each credit bureau: Equifax, Experian, and TransUnion. Users can effectively build a solid credit line over time by making regular payments and avoiding maxing out the card. 

Increasing your Credit Limit

Additionally, Mission Lane offers cardholders a credit limit increase after making the first six payments on time. Initially, cardholders have access to a credit limit of $300. 

While this is within the ballpark for an unsecured credit-building card, Mission Lane will check your recent payments and credit history every year to determine whether you’re eligible for a credit line increase.

Mission Lane credit card fees

Often, an unsecured credit card can come with exorbitant monthly fees and hidden fees. The Mission Lane Credit Card, on the other hand, simply includes a yearly fee of $59. 

The Mission Lane Visa also has no balance transfer APR, return payment fee or overdraft fee. Additionally, there’s no activation or monthly maintenance fees, and there are no increases to the annual fee each year, as is the case with many competing cards. 

There’s also no need to put down cash for a security deposit. 

By comparison, a similar credit building card like the Credit One Bank Platinum Visa for Rebuilding Credit carries an annual fee of $75 in the first year before bumping up to $99 after that. 

Similarly, the Total Visa Credit Card charges an $89 Program Fee on top of the $75 fee for the first year. 

The Mission Lane Classic Visa card does have a cash advance fee of 3% or $10, whichever is higher, along with a late fee of up to $35 if you are late on a payment.

What’s a cash advance fee?
It’s a charge levied by the card issuer when you use the credit card to obtain cash. 

Why the lack of fees?

The absence of fees is rooted in Mission Lane’s understanding that there’s no one-size-fits-all path to sound finances and that one’s credit score does not tell the whole story. 

A mere credit score does not provide the background story of the college student struggling to pay off loans or the single mother working multiple jobs to provide for her kids. 

Mission Lane believes it’s not the numerical representation of one’s responsibility, nor does it capture one commitment to paying off debt and being financially responsible. 

This phenomenon is precisely why the Mission Lane Visa Credit Card utilizes technology to look beyond a credit history to evaluate one’s financial situation and ultimately fit their unique needs. 

Mission Lane credit card benefits

As this is a card geared towards building credit, the card doesn’t come with a host of benefits. However, you still get access to Visa’s zero liability fraud coverage (accepted globally).

This safeguards cardholders from any fraudulent charges. Promptly call the bank as soon as you notice a fraudulent charge and the issuer will cover it at no expense.

Users also gain access to credit card services like an auto rental collision damage waiver. This covers damage due to collision or theft when renting a car with the card. This is only available to those who decline the rental company’s insurance.

Now, let’s look at the card’s pros and cons:

Pros and cons best bb cream ulta the Mission Lane Credit Card

Let’s take a look at some of the advantages and drawbacks of the Mission Lane Visa Credit Card: 

Pros 

Here are the advantages of the Mission Lane Visa Credit Card:

• Online credit education tools - Cardholders have an opportunity to educate themselves on being financially responsible at no extra cost. A large part of Mission Lane’s goal is to be a short-term landing spot for those with poorer credit so they can build with them to ensure future success.
• There’s no interest on purchases when paying in full and on time, serving as an excellent incentive for their customers to build healthy mission lane card reviews habits before moving on.
• Access to the Mission Lane app - Through the Mission Lane iPhone App, users can easily track spending, check their credit history and account balance, and make payments through their smartphone. 
• No hidden fees - Unlike many competing unsecured cards, Mission Lane doesn’t charge any hidden fees like a balance transfer fee or an overdraft fee. 
• An opportunity to build credit - Fortunately, the issuer will review your available credit line after six months of making on-time payments to see if you’re eligible for a higher credit limit. 

There are many benefits to receiving a credit line increase. Having access to a higher credit limit could help lower your credit utilization rate and provide access to better rates and larger loans. 

Cons

Here are some disadvantages of using the Mission Lane Visa Credit Card:

• High variable purchase APR - The Mission Lane Visa Credit Card includes an above-average interest rate of 29.99%. This applies to a cash advance as well and is considered high even among credit building cards.
  As a result, it’s highly recommended that you avoid making a cash advance or carrying over a balance from the previous month, as it can end up being very costly. If you overdraft your account or make payments late, you can lose out on higher credit lines.

• Annual fee - While the $59 yearly fee is cheaper than some competitors, it may be pricey if the ultimate goal is just building a credit score. In this case, you may want to consider a secured credit card like the Merrick Bank Secured Visa over an unsecured credit card.  
• No rewards - While it’s not uncommon for credit building cards like the Mission Lane Credit Card to forego a rewards scheme, it’s not unheard of. The Credit One Bank Platinum Visa for Rebuilding Credit, for example, offers a 1% cash back reward on certain purchases. 

The Mission Lane Cash Back Visa Credit Card may also be a better option if you prefer a rewards card.

• Applications typically accepted by invitation only - Currently, the issuer only accepts applications on a limited basis through invitations. There’s the option of joining the waitlist to stand a chance at getting a card when the issuer makes it available to the public.

However, if you don’t have an invitation and would like to apply for this card, you can apply via a partner like Clyde. Click here to apply now!

Let’s now take a look at some good alternatives to the Mission Lane Visa Credit Card:

Alternative Cards To Apply For

Here are some alternative cards you could consider:

Next, let’s take a look at some frequently asked questions. 

7 Mission Lane Visa Credit Card FAQs

Let’s take a look at some common questions about the Mission Lane Credit Card: 

1. What is the minimum credit score required to apply for a Mission Lane Visa Credit Card?

You can apply for the Mission Lane Visa Credit Card with a bad credit score (score below 580). However, your chances of approval increase if you have a fair credit score. 

2. What is the minimum security deposit required?

Since the Mission Lane Credit Card isn’t a secured card, it has no minimum security deposit.

3. What is the Intro Annual Fee?

The Intro Annual Fee for Mission Lane Visa Credit Card is not available at the moment. Please check the terms for more details.

4. What is the annual fee?

Mission Lane charges an annual fee of $59 for the Visa Credit Card. 

5. What is the regular APR?

The variable APR ranges from 3.25% to 29.99%. 

6. What is the late fee? 

The maximum late fee charged is $35. 

7. Is there a foreign transaction fee? 

Yes, there is a foreign transaction fee that applies to merchants based outside of the U.S. This fee is 3% of the U.S. dollar amount of the transaction. 

Now that we’ve gone through some FAQs, let’s take a deeper look at Mission Lane:

What is Mission Lane?

Mission Lane began as the credit card division under San Francisco based LendUp, a financial tech company. In December 2018, Mission Lane separated from LendUp as a standalone credit card company. 

By September 2019, Mission Lane had raised over $500 million in debt-equity from industry leaders to impact 100 million U.S. adults with lower credit scores or no credit score at all. 

By July 2020, the West Coast-born credit card start-up planted its headquarters in Richmond, Virginia, leasing a 20,000 square foot office space in the historic Scott’s Addition.

Shane Holdaway founded the LendUp card, otherwise known as the Mission Lane Visa Credit Card, in 2019 to help transform how people who are working to build or rebuild their ‘credit credibility’ make progress in their lives. 

Before Mission Lane, Holdaway held positions as the CEO of Barclays US Consumer Bank, President of Capital One Canada, and was a consultant at McKinsey & Company.

The story of the Mission Lane Credit Card began with the founders’ realization that nearly one-fifth of the adult population in the U.S. doesn’t have access to a clear line of credit. 

By clear, Mission Lane means a line of credit that does not include draconian fees and only increases one’s accumulated debt. 

The absence of fees regarding the Mission Lane Credit Card is paramount to its mission of paving a better way forward for its customers through improving their credit report, boosting income, and preparing for the financial burdens of tomorrow.

Honeydue acquisition 

On May 24th, 2021, Mission Lane announced it bought Honeydue, a fellow purpose-driven financial technology company, to expand its debit and digital banking capabilities. 

Honeydue, incorporated as WalletIQ, is a technology company that provides digital applications and banking services to help consumers manage their finances and develop stronger financial literacy and habits. 

While this card issuer (Mission Lane) currently offers a variety of market-leading credit cards and financial tracking tools, it will leverage Honeydue’s strong digital banking to bring additional innovative and transparent products to consumers, such as a debit card. 

Holdaway said, “as we experience record growth and explore additional ways to have a positive impact on our customers’ lives, we’re excited to bring in a team of people from Honeydue that have deep experience using technology to make finance more transparent and accessible.” 

Holdaway takes pride in the acquisition, relaying, “Mission Lane and Honeydue share a goal of improving people’s lives by reducing financial stress.”

Honeydue has over 500,000 registered users and operates in six countries, making acquisition significant for Mission Lane. 

Honeydue allows its consumers to open bank accounts and debit cards while keeping track of other bills and accounts. Users can also share this information with others, such as family members.

As part of the acquisition, Eugene Park, CEO and co-founder of Honeydue, will join Mission Lane as the Head of Product for Mission Money, Mission Lane’s upcoming debit card offering. 

Park founded Honeydue in 2016 after spending eight years leading engineering and application development at Flixster. He brings deep experience in multi-user management and building award-winning personal finance management tools that are highly rated for their product design and user experience. 

“When we founded Honeydue, we wanted to eliminate some of the issues that intimidated people about finance, so we worked to eliminate fees, minimums, and other requirements that caused stress and confusion," said Park. "There is no other company that shares our vision more than Mission Lane, and we are excited to join with them to reach more consumers than ever."

Recent advancements and milestones

Earlier this year, Mission Lane announced that it added its one-millionth customer to its market-leading credit card franchise, just over two years after launching as a standalone credit card open a checking account online for free also added Krishna Venkatraman as Chief Data Science Officer and Zeenat Sidi as Mission lane card reviews Head of Digital Banking & Financial Services to its growing executive team. 

Wrapping Up

Mission Lane is a purpose-driven financial services company that leverages advanced technology, data analytics, and machine learning to provide a dignified customer experience to people working hard to build or rebuild their credit report and improve their financial lives. 

Mission Lane had previously been known as the LendUp credit card when it operated as the credit card division of LendUp.

Mission Lane's credit cards have terms that are better and easier to understand than most of the alternatives available to people with fair credit or limited credit history. 

The company's digital self-service tools also make it easier for customers to stay on top of their accounts, further helping them improve their credit scores. 

Additionally, with access to a higher credit line with on-time payments, the card is great for reducing your credit utilization rate as well, allowing you to take strides in your credit journey.

To date, the Mission Lane Visa Credit Card issuer has delivered over a million of their best-in-class, mobile-first credit cards, earning top ratings among Mission Lane credit card reviews on CreditKarma for their market segment.

If this card sounds like the right fit for you, you can apply online here.

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