Great card
I absolutely love this card. It gives you small goals and lets you reach them so you can actually see that you’re doing something. It’s upwardly mobile so the better you are at keeping things paid on time you get rewarded. I have had a Capital One card for almost 20 years, I have been good with that card have paid it on time and my balance has never gone up and whenever I asked for a credit increase they say no. This card is way better. I’m glad I applied. The app is easy to use the way its set up right now is perfect. I wouldn’t change a thing I enjoy it. I love the easy ability on Payment and I love that when I open it up I instantly get to see what I have for credit great app for a great card
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The app is not what it used to be
When I got this card, I was guaranteed that they would work for me in my favor to make sure I was protected in my finances were protected. I have had fraudulent charges on my account which I have proven time and time again, but the people that are doing the investigations are just calling people and asking them questions and these people are lying to them when I have the literal proof that I wasn’t at these spaces or that I did not receive any service from specific places this app checks you through GPS it tracks where you are it tracks where you spend it tracks how you spend so it’s very obvious when it is a fraudulent charge because it’s something out of the ordinary something I would never do something that doesn’t ever happen and when I call somebody that gives me the runaround talks and riddles mumbo-jumbo, it seems to be some kind of accent barrier where they can never understand the facts that I’m telling them and constantly making me repeat things to them in different forms like an interrogation I am the clientI pay this company fees. They loan me money, but that money is to be protected and it’s not being protected.
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High annual fee worth it to rebuild credit
The Brightway card from OneMain Financial has a high annual fee,but when rebuilding credit it’s a high annual fee or a secured card. I wasn’t interested in starting all over with a secured card and how was that helping my current negative cash situation? It wasn’t.
Brightway extended me $500 in credit with a $98 annual fee BUT it wasn’t required for that fee to be paid in advanced as with most;this meant I had $500 for bills pending disconnect as opposed to the zero cash I currently had. For my current situation this was a game changer and life saver.
The Brightway card arrived quickly, their app is simple and easy to use.
So if you’re like me who went from 100’s of thousands a year to nothing,from an excellent credit score to the poorest score, I highly recommend Brightway from OneMain Financial.
I’m not 99% certain on this,but believe this card was recommend to me from my Experian account.
I give Brightway 5 stars
Brightway extended me $500 in credit with a $98 annual fee BUT it wasn’t required for that fee to be paid in advanced as with most;this meant I had $500 for bills pending disconnect as opposed to the zero cash I currently had. For my current situation this was a game changer and life saver.
The Brightway card arrived quickly, their app is simple and easy to use.
So if you’re like me who went from 100’s of thousands a year to nothing,from an excellent credit score to the poorest score, I highly recommend Brightway from OneMain Financial.
I’m not 99% certain on this,but believe this card was recommend to me from my Experian account.
I give Brightway 5 stars
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My experience with BrightWay so far.
I am rebuilding my credit after an ugly divorce and bad financial situation. I just scheduled my second payment. The app is easy to use, and the straight forward communication from them as to where I am with things and what happens when I make certain amounts of on time payments, is very encouraging and open. So far I am very happy with my bright way account. As a busy person the text reminders are early and give my plenty of heads up, so I won’t miss payments. This is very important to me, and I am happy with BrightWay and their app. This review is unsolicited and I wrote this on my own, as I feel they are really helping me get back on track.
Thank you,
-Daniel J.
Thank you,
-Daniel J.
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Cpkimbrel
The Site should have an instant debit pay for payments to account. I am able to pay the other credit cards from my account and the money transfer to them within 24 hours. Yours take a week. By that time I’ve lost site that your money has not come out of that one account yet & there may not be the exact amount for you to draw on 7 or 8 days later. I have to call and then, like this summer when I was on vacation & called & the gentleman said it would act like a debit, it never did transfer to the card for payment. The world has become fast & instant and we have had to adjust to it and now live by it. Therefore I wish you would allow debit (instant) payment to you app for quick payment of the credit card bill, like every credit card does. I know you don’t respond to these but it would be interesting as to why you don’t.
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Quick and easy credit builder
BrightWay is pretty good and simple! I can view everything in the app and control my card, rewards or review policies. They also offer a choice of a few rewards if you make your first 6 months of payments on time. The only reason I didn't give them 5 stars is that there is a lag (or maybe just a gap they intended on purpose, not sure) on updates to your acct i.e. the balance and choosing your reward. I had to wait about a statement cycle and a half before I got to chose the reward and for the reward I chose it said give it 5-7 days to reflect. So in reality it was like 7 to 7 1/2 months before I got to chose my reward but it did tell me at the 6 month mark that I achieved it but you just don't get to choose immediately if that makes sense. Otherwise it is great and does what it promotes.
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Good card
Despite the annual fee and high APR, I think this card is good overall for rebuilding your credit. If you use it responsibly, only charge what you can pay off each month or within a few payments and after so many months, your credit will gradually increase and you will get better perks with this card. Customer service was great experience! My rep was very nice, helpful and polite. I do recommend this card for some people, not all.
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Easy!
The BrightWay app made making my credit card payment quick and easy! No hoops to jump through, no endless proof and verification requirements, and no need to wait on hold to speak to anyone. Fast and easy! no stress or anxiety using app. And if you are someone who struggles with initiating tasks because you get overwhelmed and then suffer the consequences of your anxiety (ie ADHD amongst others) this app really does make it fast and simple to pay and be done so you no longer have it weighing on you. Thank you BrightWay, I’m sure it wasn’t your reason for creating this app, but it certainly did make it easier for me to take one thing off my to do list that needed to be done.
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Lousy customer service
Don’t do business with Brightway!! I paid off balance showing in February and a few weeks later I called to cancel account. I asked the customer service representative what about the 6.95 bill?? The man said don’t worry about it, thinking it was a charge for interest he said don’t worry about it? So I asked what the 6.95 was for? He again says don’t worry about it. I get 3 more bills so I called again they now say it’s a 3 day late charge. Since then they’ve given me 3 different amounts 2.38 late charge and a 1.99 auto pay from google which I’ve since cancelled. They say it’s my issue seriously??? If the employee isn’t capable of giving me a balance then I don’t worry about it. I’m sending a letter to better business and the credit bureau. At this point I’m so angry I Refuse to pay a penny and they can send google request to reverse 1.99
I’d never do business with this company!!
To top it off I told them I’ve recently had surgery and treatments monthly on 3 brain cancer. Thanks for the customer service lousy information. You’re responsible for your employees!
I’d never do business with this company!!
To top it off I told them I’ve recently had surgery and treatments monthly on 3 brain cancer. Thanks for the customer service lousy information. You’re responsible for your employees!
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No problems
It’s easy and they also do loans so building reputations with them is always beneficial.
I used to never be able to be approved by them for loans in the past but then I got a bunch of credit cards to increase credit. Keep them low like no more than 15% also pay them down to 0 zero and wait for there statement to post. Then spend between 5-25% wait for statement post and restart with paying it to zero. Rinse and repeat
I used to never be able to be approved by them for loans in the past but then I got a bunch of credit cards to increase credit. Keep them low like no more than 15% also pay them down to 0 zero and wait for there statement to post. Then spend between 5-25% wait for statement post and restart with paying it to zero. Rinse and repeat
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