Fascinating, based in the Czech Republic. Looks like they service a Sprint branded Visa as well. I have not yet found any reference to reporting to the 3Bs.
OP, did they perform HP on you? Credit Line? Data Points?
EDIT: This is a Bank of Missouri joint. Also, "Important Information about Credit Reports: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report."
@Anonymous wrote:I'm suprised that I got an offer since I still have a repo charge off showing on my credit report.
Who did they pull? Did it show as Bank Of Missouri?
@Anonymous wrote:Interesting. At first I thought they were another Fintech startup like Petal, Ollo, Blispay. But apparently they have been around since 1997 in the Czech Republic. The have a Spint Visa exclusively for a Sprint customers.
Yeah, it is Bank of Missouri as servicer e.g. Milestone, First Access, Total Visa, Ollo.
"Home Credit Visa® Card: Currently, the Home Credit Visa® Card is only available by invitation. You may receive an e-mail or mailed invitation that includes a website and access code that you can use to access the application and apply."
@Anonymous wrote:I did get an experian HP, I have two unsecred and 3 secured cards my NFCU amex card was my highest at 2000 and the rest are 200 to 500 limits. This will help my utilization for sure since my other unsecured is Williams sonoma and First Premier which I plan to get rid of.
Yep, if I were in your shoes, I would probably have accepted this "No annual Fee" offer as well. I don't think I would use it though 
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