Janet Berry-Johnson, Author at Credit Liftoff

GreenSkyOnline: GreenSky Credit Application Review

October 11, 2019 by Janet Berry-Johnson Leave a Comment

GreenSkyOnline

The GreenSky Programs make it easy for contractors to offer affordable financing to customers who qualify.

Customers will want to have a credit score at a minimum of 650 (or higher).

GreenSky is the servicer for one of the nation’s largest bank lending programs.

Please note GreenSky is NOT a lender, they are a provider and program administrator for federally insured, federal and state-chartered banks.

GreenSkyOnline Loan Program

GreenSky bills themselves as a “link between contractors, their customers and banks. We bring everyone together and simplify the loan process, from application to decision/approval, to payments.”

Need a credit card? Frequent Walmart? Check out our Walmart Card Definitive Guide and Reviews.

GreenSkyOnline Reviews and Payment Login

GreenSky, LLC currently has 304 complaints via the Better Business Bureau (i.e. BBB)
CreditKarma users give GreenSky a 2 out of 5
Yelp user reviews smack GreenSkyOnline with a 1.5 out of 5
Lend.edu give the home improvement loans from GreenSky a 3.6 out of 5

Generally speaking, GreenSky Online does not receive great reviews from what we found on Google.

Payment Login (aka GreenskyOnline Payment Portal): www.greenskyonline.com/greensky

GreenSky Credit Application Page: www.greensky.com

GreenSky Customer Service

Toll-free: (866) 936-0602
US Mail: GreenSky PO BOX 71215 Charlotte, NC 28272-1215
Email: service@greenskycredit.com

The GreenSky Online phone number is available Monday to Saturday from 6 am – 12 am OR Sunday: 8 am – 12 am (ET).

Greensky Credit Requirements

Must be 18 years of age or older
Have a credit score of at least 640
A legal resident of the United States

GreenSky Credit minimum credit? $3,500

GreenSky Credit maximum credit? $55,000

Interest rates are fixed and customers will not be charged an application feed (general APR’s range from 4.99%-23.99%).

If you do not meet credit score requirements please check out our “Credit Cards for Fair Credit Ultimate Guide“.

greenskyonline.com — GreenSky Credit Fun Facts

GreenSky is not a lender. We are a service provider and program administrator for federally insured, federal and state-chartered banks that provide consumer loans under the GreenSkyOnline.com Programs.

GreenskyOnline Register

Registration is super easy and not time-consuming at all (so don’t fear!).

Simply head on over to www.greenskyonline.com/rtg/register/step1 and follow the step by step instructions.

Please note you will need your credit card number and a valid email address.

Greensky App

Greensky provides an app called “Greensky Merchant” via the App Store.

This app is only available on the App Store for iOS devices (sorry Google fanboys).

Other Personal Loan Options

Participating lenders are federally insured, federal and state-chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender or familial status.

DoubleYourLine Reviews (Merrick Bank Pre-Approved Acceptance Certificate)

August 7, 2019 by Janet Berry-Johnson Leave a Comment

Merrick Bank Pre-Approved Acceptance Certificate

You can rebuild your credit score with a pre-approved Merrick Bank Visa card via the DoubleYourLine offer.

Visit www.doubleyourline.com to enter your acceptance certificate number.

You will also have to provide your email address and last name as shown on the promotional letter.

Please note you must be 18 years of age or older and a legal resident of the United States.

Before you apply let’s check out some reviews from both customers and financial websites.

DoubleYourLine.com Reviews from Blogs

CreditKarma.com Merrick Bank Double Your Line Visa Credit Card Reviews – 3.4 out of 5 stars
ConsumerAffairs.com – 3.3 out of 5 based on ‎195 votes
Value Penguin: 40% out of 100% ‎Review by Bailey Peterson “However, they come with too many fees for us to recommend them over other cards that will likely be available to these consumers, such as the Discover it Secured and the Capital One Secured Mastercard”
CardRatings.com – Rating: 3 out of 5 ‎Review by By Amber Stubbs

Overall the Merrick Bank Double Your Line Visa card receives not so great reviews from the heavy hitters of the financial blog world.

Double Your Line Reviews from Consumers

“Great service and trustworthy bank Love it all, always there when I need it happy to be here. Great bank to feel secure.” – Omar

“received a great offer in the mail, and when I tried to enroll on the internet, the form keeps kicking it out. I am so frustrated, and no one to talk to about this.” – Larry Hathaway

“No customer support, bad website security There is no way to contact someone other than phone, so if you work two jobs just to make ends meet, you’re going to be SOL if something happens. Their website is a joke – you’ll get no help there either. Constantly locking me out of my account, preventing me from accessing ALL information regarding it. If they add customer support, then they would be a solid 5 stars.” – P McKee

Again not so great reviews from the consumers.

Highlights

Double your credit TM – Make at least your minimum payment on time each month for the first 7 months your account is open
After you make your payments, the increase is automatic
$0 Fraud Liability Protection
Free monthly FICO score

DoubleYourLine Pre-approval Customer Service

Merrick Bank phone number: 1-800-204-5936 TTY/TDD 1-800-253-4563
merrickbank.com/About-Us/Contact-Us
DoubleYourLine Mailing Address: Merrick Bank Customer Service P.O. Box 9201 Old Bethpage, NY 11804-900
Overnight Payment: Merrick Bank Attn: Lockbox Operations #660702 2701 East Grauwyler Road, BLDG 1 Irving, TX 75061

Bottom Line

Despite the double your credit line offer, we would still not recommend the DoubleYourLine credit card as there are much better options available.

Here are a couple of cards we would recommend over the Merrick Bank DoubleYourLine.com offer.

Discover IT Secured Credit Card
Capital One Secured Card

My Sheetz Credit Card Apply and Review (Worth It or Hard Pass?)

July 21, 2019 by Janet Berry-Johnson Leave a Comment

Sheetz Credit Card

The Sheetz Visa Credit Card is designed for shoppers of this “kicked-up convenience store that’s a mecca for people on the go.”

The card comes with no annual fee and can be used anywhere in the United States where the Visa logo is present.

Sheetz credit card application? Simple visit www.firstbankcard.com/sheetz.

Please note Sheetz stores are only located in the states of Pennsylvania, Maryland, Virginia, West Virginia, Ohio, and North Carolina.

You must be 18 years of age or older and a legal resident of the United States in order to secure the card.

Sheetz Card Reviews

Here are what some of the more respected card blogs are saying about the Sheetz credit card…

WalletHub – 4.5 out of 5 based on 174 user reviews
AskMrCredit – 4.7 out of 5 based on 12 user reviews (note the small sample size)
MyFico Forums discusses the Sheetz Visa Card at length

You can normally get a pretty good feel for a card based on a quick Google review search and they are not bad in regards to the Sheetz card.

Highlights and Lowlights

No annual fee
5 cents off per gallon at any Sheetz location
5 points earned per dollar spent in-store at Sheetz locations
Combine the Sheetz Visa Card with your MySheetz Card to get 8 cents off at the pump
1% cashback on all other purchases
20.99%-26.99% variable APR (OUCH)
3% foreign transaction fee (don’t use this card when vacationing in Greece)

Please note your % back rewards are earned as points, which are separate from Pointz earned with a MySheetz Card and are not redeemable through the MySheetz Card loyalty program.

Sheetz Credit Card Login & Customer Service

Sheetz Credit Card Payment: Login and make a payment now
Fax: Not found
Mail: 5700 6th Ave, Altoona, PA 16602
Sheetz credit card phone number: 1-800-487-5444

Cards are issued by First Bankcard, a division of First National Bank of Omaha.

The Sheetz Visa Card is issued pursuant to a license from Visa U.S.A. Inc.

Credit score not that great? Consider the GeyMyOlloCard offer or check our credit card guide for consumers with bad credit.

Similar Cards To Consider

Bottom Line (aka Verdict)

We usually are not big in gas credit cards but the Sheetz card is pretty impressive all things considered.

If you frequent Sheetz on a somewhat regular basis for your fuel needs we would recommend applying for the Sheetz credit card… ASAP actually 🙂

HSBC Credit Card Pre-Qualify (Tips & Tricks to Getting a HSBC Gold Card)

July 21, 2019 by Janet Berry-Johnson Leave a Comment

HSBC Credit Card Pre-Qualify?

We have received a few emails in regards to HSBC credit cards and how to pre-qualify for them.

Well, we have good and bad news.

You cannot pre-qualify for any of the HSBC cards.

BUT… they do send out pre-approved letters to consumers who qualify.

So how in the world do you get a pre-approved letter for an HSBC credit card?

Here are a few tips & tricks

Have a good to great credit score for starters (670 or above would be ideal)
Open an HSBC bank account (a must as this will get your name on their radar along with your mailing address)
Fund the bank account with $10,000 or more
Never let the account go into bad standing

If you follow all of the above tips you should receive a card offer from HSBC within 60 days.

Commons pre-approved HSBC credit cards include the HSBC Gold Card, HSBC Advance Mastercard, and the HSBC Advance Mastercard.

Please note you will need to have $100,000 or more in an HSBC bank account to get the HSBC Premier Mastercard and $10,000 or more to get the HSBC Advance Mastercard.

Other HSBC Bank Credit Cards

HSBC Cash Rewards Mastercard credit card – 1.5% Unlimited Cash Back and no annual fee
HSBC Platinum Mastercard with Rewards – 1X Points for every dollar in new card purchases after the intro period and no foreign transaction fees
HSBC Premier World Mastercard – 2X Points on travel and 1X Points on all other purchases
HSBC Cash Rewards Mastercard Student Account – 1.5% Unlimited Cash Back on all purchases and requires, not credit history for approval (a great starting credit card for college students)

Please note all HSBC credit cards require the applicant to be 18 years of age or older and a legal resident of the United States.

HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay.

HSBC Customer Service

Questions in regards to HSBC pre-qualify (aka pre-approved offers) can be directed to a customer service agent at 800.462.1874.

If you have a Mortgage with HSBC and are having trouble making ends meet please dial 855.527.8400.

HSBC Customer Service Address?

Write to “HSBC Bank USA, N.A. P.O. Box 2013 Buffalo, NY 14240”.

Bottom Line

If you really want an HSBC pre-approved letter the method outlined above is the best way to go about it.

In our opinion, there are much better cards on the market than any of the cards available from HSBC.

Before you waste your time trying to get an HSBC card check out our definitive guide in regards to the best credit cards on the market today.

If you have less than ideal credit please check out our Top 3 bad credit credit cards!

Walmart Card Reviews and Definitive Guide (Walmart Credit Card Login, Register, Cancel)

July 21, 2019 by Janet Berry-Johnson Leave a Comment

Walmart Card Reviews

You wake up one morning and ask yourself “do I need a Walmart credit card”?

Well, you came to the right spot bro.

This Walmart card review write-up will help make this life-changing decision a little easier.

First, let’s knock out some housekeeping…

If you already have a Walmart card (you are blessed) and can access the card at Walmart Credit Card Login.

OK… now let’s check out what some of the best-known credit card blogs are saying about the Walmart credit card.

Walmart Card Reviews Online

Credit Karma: Rating 1.5 out of 5 stars based on ‎53 votes
WalletHub.com: 3.5 stars based on more than 600 user reviews
NerdWallet: The biggest problem with Walmart’s credit cards is that they don’t give you any extra rewards for actually shopping at Walmart stores, which should be the main benefit of a store-branded card. The 3% rewards rate is available only at Walmart.com. Go to the physical store, and you get 1%. If you do a ton of online shopping through Walmart, this card might be worth your while. But if your Walmart experience is mostly in-store, you can get a better rate on many other cards. – Walmart Credit Card: Is It Right for You?
Value Penguin Walmart Credit Card: 74% based on a 100% scale
CreditCards.com: 3.4 out of 5 (Bargain shoppers who spend a lot on Walmart.com could potentially earn a sizable amount of cashback with the Walmart Mastercard)
Credit Donkey: “Walmart cards are not a bad option for those with lower credit and are looking for a way to improve while getting some rewards at the same time“
Upgraded Points: “Like the other cards, the Walmart MoneyCard also qualifies for enrollment in the 3-2-1 Program. You’ll get access to special discounts and sales notices, you don’t need a bank account to use the prepaid card, and you can even have your paycheck direct deposited. However, there are monthly fees for using the Walmart Money Card.“

Overall the Walmart credit card received pretty decent reviews online (with some good and bad mixed in).

Like all cards, you should also do a few minutes of research and determine if the Walmart card is right for you.

Apply for Walmart credit card

Simply visit www.walmart.com/cp/walmart-credit-card and click on the apply tab to begin.

Please note you will have to create a Walmart account to apply for the card.

You must be 18 years of age or older and a legal resident of the United States in order to apply.

Walmart Credit Card Limit?

Obviously, most consumers will want the highest limit possible.

The higher your credit score is, the higher you can expect your credit limit to be.

There are reports of people getting Walmart Store Card limits of $400, $1,000 and $8,000.

Walmart Credit Card Phone Number

Card Tech Support 1-877-294-7880 (also you can use this card for Walmart temporary credit card issues)
Walmart Card Customer Service Issues 1-800-925-6278 (call this number in regards to Walmart credit card overdraft)

Walmart Card APR (to include the Mastercard version)

Other Credit Cards To Consider?

Target Credit Card (i.e. RedCard)
Best Buy Card
Amazon Prime Rewards Visa Signature Card (Amazon credit card login)
TJX Rewards Platinum Mastercard
Chase Slate Card

Walmart Prepaid Card?

If you live and breathe Walmart but are not looking for a credit card you should consider the Walmart Money Card.

The Walmart MoneyCard is a Prepaid Visa or Prepaid MasterCard and best of all, does not require a credit check.

To obtain a Walmart prepaid card please visit www.walmartmoneycard.com.

If you have the travel bug be sure to check out the CreditLiftOff.com Best Travel Credit Cards (Top 10).

Looking for a bank account? Run-on over to Best Checking Account to stash your cash.

Walmart Credit Card Application

www.walmart.com/cp/walmart-credit-card

You can also visit the Walmart Mastercard FAQ page for more details in regards to making an application.

How to cancel Walmart credit card?

If you are having buyers remorse in regards to getting that Walmart CC admit your error and cancel the darn thing.

To cancel your Walmart credit card please dial toll-free 1-877-249-7888.

Any specific questions in regards to the Walmart Mastercard can be directed to 1-866-611-1148.

Final Thoughts

If you find yourself roaming aimlessly up and down the isles of your local Walmart a couple of times per week you will want to get this card.

Not only do you get an instant $25 off your first purchase using the card but you also receive 3% off purchases when shopping online at Walmart.com.

Please note in order to receive the $25 off initial purchase bonus you must spend at minimum $75.

Walmart Card References

Credit Cards for Consumers With Bad Credit (We Analyzed A Dozen Cards… Here Are The Top 3)

July 17, 2019 by Janet Berry-Johnson Leave a Comment

Top 2 Cards for Bad Credit

If you have bad credit, it can be difficult to qualify for the best credit card deals. “Bad credit” is a VantageScore of 600 or below or a FICO Score of 579 and under. In this range, if your credit application is approved, you may be stuck with high-interest rates and fees.

For a complete, in-depth look at cards for bad credit please check out our Best Credit Cards for Bad Credit Definitive Guide.

However, it’s not always impossible to get a credit card with bad debt. Here are the best three credit cards for people with bad credit.

Capital One Platinum Credit Card

The Capital One Platinum Credit Card is a good, no-frills option for building credit. It doesn’t offer rewards, but there is no annual fee. Plus, if you make your first five payments on time, Capital One will automatically increase your credit limit.

Terms

APR on Purchases: 26.99% Variable
APR on Cash Advances: 26.99% Variable
Annual fee: $0
Cash advance fee: Either $10 or 3% of each cash advance, whichever is greater
Foreign transaction fees: $0
Late payment fee: Up to $39
Returned payment fee: Up to $39
Authorized user fee: $19 annually

You can pre-qualify for a card by providing some basic information. Pre-qualification does not count as a “hard inquiry” on your credit report, so it won’t impact your credit score.

Discover it Secured

If your score won’t qualify you for an unsecured card, the Discover it Secured card is a good option for building credit with a secured card because it comes with no annual fee but offers cashback rewards.

Like all secured cards, the Discover it Secured card requires a security deposit and gives you a line of credit equal to your deposit.

Terms

APR on Purchases: 25.24% Variable
APR on Cash Advances: 27.24% Variable
Annual fee: $0
Cash advance fee: Either $10 or 5% of each cash advance, whichever is greater
Foreign transaction fees: $0 (however, Discover is not widely accepted outside of the U.S.)
Late payment fee: $0 for the first late payment. After that, up to $39
Returned payment fee: Up to $39
Authorized user fee: $0

Like most Discover cards, the Discover it Secured card offers cash back rewards. You’ll earn 2% on your first $1,000 in combined gas and restaurant purchases each calendar quarter and 1% on all other purchases. Plus, Discover will automatically match 100% of your earnings at the end of your first year. If you demonstrate that you can use your card responsibly, you may be able to qualify to get your deposit back and convert to an unsecured card.

Whichever card you choose, work on handling your credit responsibly by paying your bills on time, paying your balance in full every month, and keeping your balance low. This will improve your credit score over time and possibly help you qualify for cards with lower interest rates and better perks than are available to borrowers with bad credit.