BrightWay Mastercard from OneMain

[mckbulldog02]

I have the Brighway + Card. I got it right from the start. I got a $3,000 limit with no Annual Fee. My FICO is 733. I have no derogatory credit. No collections, and no late or missed payments. They pulled Experian 

[Anonymous]

...!!!!SCAM ALERT!!!!...

Absolutely trash card, I was invited thru Experian app and Credit Karma and was invited for the brightway+ but received the brightway.

When I received the card it was already activated and there was a fraud block on the card.

Received multiple **Modcut - please do not post profanity** answers about the reason. month went by, still not able to use card and AF kicked in.

Called to talk to a manager and after 6 hours on the phone finally got someone claiming to be a manager.

Manager refused account closure due to "status of the card".

I got their lower employees to close it so it was just lies.

I am now sueing the company for damages and they have not cleared the annual fee.

They stole my money, negatively impacted my credit. 

No transactions had been made on the card and no remedy offered. 

[Anonymous]

Brightway is a great card. Yes it does come with a $65 annual fee, but only for the first two years. After that it automatically graduates to no AF. And every 6 months I get an automatic CLI. The app is easy to use, and I get 1% cashback on everything. I use it as a sock drawer back-up card. No way I'll be closing this card. It's a keeper.

[creditgnome]

really helpful post. I just got this card but the $65 and 500 CL. hoping to get that brightway plus card like you mentioned. 

[Jnbmom]

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@FinStar wrote:

I'm assuming this product is targeted toward builders or rebuilders? 

Based on the info posted on their website "We’re offering access to a limited number of cards right now, but will be expanding soon."

https://www.onemainfinancial.com/legal/brightway-rewards-terms-and-conditions

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With it being back by Onemain  financial I would stay clear 🙄

[vinblastine]

I closed our 2 Brightway cards. Not a high limit and it seemed like they would never grow plus the AF. 

[ld75]

Just curious. How much were your credit limit increases?  I'm about to hit my first 6 month mark and I'd like to know what to expect. Thank you. 

[Meshasakuralee]

Hey I've had mine a few months now and it's been a while. What was the CLI like after 6mo of OTP? Just curious as well. 

[FireMedic1]

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@Meshasakuralee wrote:

Hey I've had mine a few months now and it's been a while. What was the CLI like after 6mo of OTP? Just curious as well. 

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Welcome @Meshasakuralee 

The member above posting when CLI's start after the timeframe is a nuked account. They're gone. When you see old threads. Click on the username. You'll see the last time they were here. You can always start your own thread. And then some just might answer your question.

[GreyvyTrain]

Also coming here to get any insight on this card, as it was also suggested with Experian.