Those with a bad credit history can benefit from the design of the Milestone MasterCard.
Hence, it offers you the chance to build or rebuild your credit score and credit history.
Also, it helps boost credit by reporting card activities to the major credit bureaus.
Still, you can achieve your goal and improve your bad credit history with this credit card.
However, please note that the Bank of Missouri issues this credit card, and Concora Credit Inc. provides the servicing.
Thus, you’ll have to contact Concora Credit to pay your card bills.
In this article, we will provide you with information on what you must know about this credit card.
Hence, we will tell you how to log into your credit card online account. Also, we will show you different ways to pay your bill.
Still, we will guide you on how to contact Customer Service and a lot more.
So, if you’re looking for a credit card to boost your credit history, make sure you read this post.
Thus, let’s begin by telling you how to access your MasterCard online account.
Access your Milestone MasterCard account
Follow the steps below to access your MasterCard account online:
To access your Card account online, open the Login Page on a web browser.
Next, enter your account username and password.
Then, click on the ‘Login’ button to access your MasterCard account online.
Forgot your username or password?
If you forgot the username or password to your credit card account, follow these guides:
First, select the ‘Forgot your username or password?’ option on the login page.
Now, if you want to reset your password, enter your account username.
After that, enter the last four digits of your card and your date of birth.
Next, type in your SSN and click on the ‘Reset Password’ button.
Now, follow the prompts on your screen to change your card account password.
But if you want to recover your username, enter your card account number.
After that, type in your date of birth and your SSN.
Once you’ve done that, click on the ‘Request Username’ button.
Then, follow the instructions after that to recover your MasterCard account username.
Register Your Account
However, if you haven’t set up your credit card online account, follow the steps below to do so.
To register your MasterCard account, select the ‘Register Your Account’ option.
Now, if you have your card, select the ‘Yes’ option. But if you don’t, select the ‘No’ option.
Thus, if you have your card, enter your card number, your date of birth, and your SSN.
After that, select the ‘Continue to Next Step’ option. Then, proceed with the next step to register your Card online account.
But if you don’t have your card, enter your last name, zip code, date of birth, and SSN.
Then, select the ‘Continue to Next Step’ option. Now, proceed with the next step to register your MasterCard online account.
Bill Payment
There are different MasterCard payment options accessible to cardholders.
Hence, these are ways to pay your card bills:
Online Payment
To pay your MasterCard bills online, visit the Login Page.
Next, enter your account username and password.
After that, click on the ‘Login’ button to access your Card account online.
Now, follow the instructions on your screen to pay your bills online.
Via AutoPay
You can set up autopay to avoid missing a credit bill payment. Thus, follow these steps to set up autopay:
First, log into your online account using your login details.
Next, head out to the ‘Payments’ section and click on ‘AutoPay’.
Now, select ‘Set Up AutoPay’ and choose the amount you want to pay each month.
After that, proceed to enter your bank or credit card information.
Then, review and confirm your autopay details.
Once you’re done, the selected amount will be deducted instantly from your monthly income.
Payment by phone
To pay your Card bills by phone, call customer service at 1-800-305-0330.
However, you can also call the number for any credit card-related issues.
Payment by Mail
To pay your MasterCard bills via mail, send payments to:
- Card or Concora Credit
PO Box 84059
Columbus, GA 31908-4059
For more information, visit the Payment Guide page.
Milestone Card Customer Service
Don’t know how to contact Customer Service? Below is Customer Service Contact Information.
Phone Number
To contact customer service over the phone, call 1-800-305-0330.
Hence, for technical support, call customer support at 1-800-705-5144.
Fax: 503-268-4711
Mail
You can also send a letter to the correspondence address at:
- Concora Credit
PO Box 4477
Beaverton, OR 97076-4477
For more information, visit the Customer Service Page.
Benefits
The Miles tone MasterCard comes with the following benefits:
- MasterCard ID theft protection
- Zero-liability protection
- All MasterCard benefits are included at no extra charge.
Pre-Qualification
To see if you’re pre-qualified for this card, follow the steps below:
First, visit the pre-qualification page using a web browser.
Next, enter your name, address, email, phone number, date of birth, and SSN.
Once you’ve done that, select the ‘Pre-Qualify Now’ button.
Then, follow the guides on your screen to see if you’re pre-qualified for the MasterCard.
However, note that this process is safe and will not affect your credit score.
Hence, to apply for the Card, you must meet the following requirements:
- must be at least 18 years old.
- must have a valid SSN, physical address, and US IP address.
- Also, you must not have had a Card account that closed due to dishonesty.
- Still, you must have a review of your income, your debt, and identity verification.
Card Credit Score
There is no exact credit score needed to get this credit card. However, this credit card is for those with fair to bad credit scores.
Hence, it is for those who want to build or rebuild their credit score and credit history.
So, if you have a bad or fair credit score, you have a high chance of approval for this credit card.
Card Activation
If you just got your New MasterCard, the first thing you should do is activate your card.
- Thus, you can activate your credit card online or over the phone.
- To activate your card online, follow these easy steps below:
- First, log into your Card online account.
- To search for the ‘Activate your card’ option, click on it.
- Next, enter your credit card number and your card security code.
Once you’ve done that, select the ‘Verify’ option to submit your credit card information.
Also, you can activate your card over the phone by calling the customer service number at 1-800-305-0330.
MasterCard Fees
Below is a table consisting of Card fees and rates:
APR for purchases | 24.9% |
APR for Cash Advances | 29.9% |
Penalty APR | 29.9% |
Minimum Interest Charge | Not less than $50 |
Annual Fee | $35 |
Cash Advance Fee | $0 in the first year; after that, it is either $5 or 5% of the amount of each A transaction with a limit of $100 or less. |
The Foreign Transaction Fee | 1% of each transaction. |
Late Payment Fee | Up to $40 |
Overlimit Fee | Up to $40 |
The fee for returned payments | Up to $40 |
Pros and Cons
Below are the pros and cons of the Milestone MasterCard:
Pros
There is no need for a security deposit.
Credit cards report all card activities to the three major credit bureaus.
MasterCard ID theft protection
Zero-liability protection
All MasterCard benefits
Cons
Limited Card Features
High APR
No rewards program
The Card Statement
To view your Card statement, balance, and transaction, visit the Login Page.
Now, enter your account username and password.
Then, select the ‘Login’ button to access your Card account online.
Once you’re in, you can view your credit card balance and transactions, and you can download your credit card statement.
How to Report or Cancel a Lost or Stolen
In case of a lost or stolen card, contact customer service immediately at 1-800-304-3096.
Dispute: Resolving Issues
To dispute a Card charge, call customer service at 1-800-305-0330.
Hence, make sure you have this information at hand: your name, address, and phone number.
Also, make sure you provide the other required information to process your dispute.
Alternatives
If the Milestone MasterCard is not the right card for you, then check out these similar credit cards:
Fortiva MasterCard Credit Card
Milestone Card Mobile App
This mobile app allows you to access information about your accounts 24/7.
Hence, you can get your statements and other documents and do so much with this app.
Thus, visit the App Store (iOS) or Google Play (Android) to download the mobile app.
Final Verdict
In summary, this article has all the information you need about MasterCard.
Hence, if you have any questions about the card, kindly drop them in the comment.
That being said, thank you for reading, and also check out this blog for other credit card posts.
Reference Links
Frequently Asked Questions (FAQs)
What is the limit on a milestone card?
This credit card is best for people with below-average credit scores.
Hence, it does not require you to make a security deposit before getting this card.
However, this credit card offers a $700 credit limit for its credit cardholders.
How does a milestone credit card operate?
It operates like a regular, unsecured credit card. Hence, with your card, you can make purchases up to your credit limit.
However, you must make sure you pay off your balance on the due date to avoid interest.
What credit score do you need for a milestone card?
There is no exact credit score needed to get this credit card. However, this credit card is for those with fair to bad credit scores.
Hence, it is for those who want to build or rebuild their credit score and credit history.
So, if you have a bad or fair credit score, you have a high chance of approval for this credit card.
Does the Milestone credit card have a cash advance?
Yes, it does. The MasterCard has a 29.9% APR for cash advances and charges a fee of $0 in the first year.
After the first year, cardholders incur a charge of either $5 or 5% of the transaction amount.
Can I transfer money from my milestone credit card?
Of course, you can. The card has a 24.9% APR for purchases. But this card has no balance transfers.
Does a milestone credit card require a deposit?
No, this credit card does not require a security deposit for approval. Therefore, you can apply for and get approved for this card without needing any security deposit.
Where is the milestone credit card accepted?
You can use this credit card anywhere MasterCard is accepted in the U.S.
How can I activate my milestone credit card?
To activate your card online, follow these easy steps below:
First, log into your Card online account.
To search for the ‘Activate your card’ option, click on it.
Next, enter your credit card number and your card security code.
Once you’ve done that, select the ‘Verify’ option to submit your credit card information.
Also, you can activate your card over the phone by calling the customer service number at 1-800-305-0330.
How long does it take to get a Milestone credit card?
After applying and receiving approval for this card, you can expect to receive it within approximately 14 business days.
What bank does a milestone credit card use?
The Bank of Missouri issues the Card and Concora Credit Inc. services it.
Is Milestone a MasterCard?
Of course, it is. This credit card is a MasterCard, and it provides the benefits needed to manage and grow your credit.
Thus, you can have access to your credit card account 24/7.