Mission Lane Visa

[kr43002]

Was pre approved in the credit karma portal, wanted to check the limit and rate.

Was approved for a $300 unsecured limit with a chance to increase limit in 6 months.

has a $59 Annual fee with 29.99% Interest rate.

My experian fico 8 is 603

Should I accept this card and see if i can product change to their no af card when it renews? 

[Red1Blue]

I thought Credit Karma has app for $0 AF.  WalletHub has app for $59Are you sure it is Credit Karma and not WalletHub. Couple of weeks ago I was approved for Mission Lane card through Credit Karma.

[coreyb80]

Unless you absolutely need it, I would say no.  Try to avoid cards with annual fees, IMO.

[Maker_Bayfield]

No, you cannot change to the no AF card once you accept that one.  According to the rep when I closed mine, once you've close a Mission Lane card, you can never obtain another.  My advice would be to hold off on that one and wait till the no AF one becomes available.

[Red1Blue]

Have you tried for Tomo Card, Grain and other cards that has no AF and approve based on you bank account balance. You can also try for Blaze card though it has $75 AF it is waived after 1 year. You can ask Blaze for CLI every six months.

[SUPERSQUID]

I have had the mission card for about 10 months.

they will give you a cli after 6 months.

If you are rebuilding its not a terrible card, reports to all 3 cb's.

there are no monthly fees after first year like some other subprime cards.

[Rudy1]

As others said I don't think you can product change it bit it will continue to get cli's and if there is a point in which you feel that you no longer want it or want to pay that AF you can close it.

[Anonymous]

The AF is too high for even a starter card. I would shop around for a lower or no AF

Thanks

Mark

[Red1Blue]

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@kr43002 wrote:

Should I accept this card and see if i can product change to their no af card when it renews? 

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OP, looking at your Siggy you had BK discharged couple of months ago. It is probably too soon for applying for new credit.  I would wait few more months and then apply and you might get better cards and better deals.

[NaimeseOGK]

I wouldn't take it. Get a secured credit card if u need another credit card. Plus theres an AF for that card.