Myvervecard

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Verve MasterCard ® Review
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Written by: boobie1998 on 2015-03-16

The Verve Card is a credit card for people with bad credit. It can be either unsecured or fully secured, which means you may have to place a refundable security deposit of up to $500 for a $500 initial credit limit. (which means it requires a deposit of at least $50 that doubles as a credit).

Customer Service
Account Management

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boobie1998's review: I have had this card since July 2014. It was a pre-approved offer I received in the mail for unsecured $500 limit. They also have a partially-secured version, as my husband has that one. The same limit, $500, but he had to put up a $50 security deposit first, which we did, but my card is totally unsecured. There was no processing fee, but the first year annual fee is $125, so you start with $375 available. Year 2 the annual fee is $96, and a $10 monthly participation fee kicks in as well. I am not sure I will keep the card a second year. It is just so expensive. APR is 29.99%, so you can never carry a balance. No cash advances for the first 90 days, after that you can request a PIN. They have real-time internet access to check balance and available credit, and make online payments. The thing I absolutely HATE is the 7 day hold on my payments. I could see it if you were a new customer, but I've had the card a while now, and that has not changed. The payment does post the next day, but you will not have access to those funds for 7 days. I called customer service and asked about it, and they said you can make a debit card payment thru them, and funds will be available next day, for an extra fee of $10. Not even my First Premier card charges me a fee for a debit card payment, and they charge for everything. The only reason I was enticed to this card was the $500 starting credit line, most bad credit cards only start you at $300. Not sure about getting a CLI either. My original terms that came with the card stated after one year I could request an increase, but they day I called customer service asking about payments, I inquired on that just to see if anything changed, and was told they aren't accepting increases at this time. I wouldn't of been eligible for one until July 2015 anyway, which would be my one year mark. I believe I will just keep it until then, since I paid the annual fee already for the first year. But with little potential for growth, I can't seem to justify keeping the card. I've never had any problems using it, I just hate waiting for my payments to clear. I've never had one returned, and always pay my statement balance every month, so I thought by now the holds would stop, but they haven't. When I did call customer service, the rep did tell me they were trying to work on something to reward excellent cardholders so as myself, but they are running out of time to save me..as i am almost certain I will not renew the card after July 2015. Thanks, I hope my posting helps someone out there..

4 Comments

Re: Not A Good Card..on 2015-03-17
Understand your frustrations. In credit building and rebuilding it is fairly common to start out with cards that have less than ideal terms and conditions. Options for you could include pursuing secured cards through the major lenders (banks) and straight out unsecured applications with regular card issuers. As an assist you can use this website to examine various cards and what there FICO Score requirements look like. Credit Scores are only part of the equation and your credit file would weigh in on the total picture along with age of the file and lender payment performance. Oh and some card issuers will consider debt to income and number inquiries. Happy hunting as you look for better credit products.
Myvervecard
Re: Updateon 2015-10-02
Well, I did decide to keep this one another year. No issues, but now I pay a monthly participation fee of $5..but they did award me a CLI of $125..New credit line is $625, it was instant. Had to call in and ask for it, was not automatic..they are not holding my payments anymore either since I am established with them now..available credit updates next day.

Www.myvervecard.com

Re: CLIon 2016-10-15
Yearly increase on 9/17/16..another $125. Limit now $750. No fee
Your verve card application
Re: Not A Good Card..on 2016-12-23
I just got one of these in the mail recently and just opened it. I appreciate you coming back update this information. I am worried about applying for it because of income. I wold like to be able to have a couple of low interest rate cards, but if nothing else, none of these fees for the use of the cards and yearly dues. i think it is ridiculous. But thanks for such a thorough review. Ty
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My Verve Card Account

  • Customer Service
    Automated Account Information

    1-866-449-4514

    Imovie 10 el capitan. (Available 24 hours a day/7 days a week)

    Customer Service

    1-866-449-4514

    (Customer Care Specialists are available 7 a.m.–10 p.m. Mon–Fri, 9 a.m.–4 p.m. Sat/EASTERN TIMES)

    Payments

    1-800-518-6142

    (7 a.m.–10 p.m. Mon–Fri, 8 a.m.–4 p.m. Sat/EASTERN TIMES)

    Lost/Stolen Card

    1-800-556-5678

    Inquiries

    Continental Finance Company, LLC

    P.O. Box 3220
    Buffalo, NY 14240-3220

    Payment of Processing Fee

    Continental Finance Company

    P.O. Box 8099
    Newark, DE 19714-8099 Aruba 2530 visio stencils.

    Funding of Security Deposit

    Continental Finance Company

    P.O. Box 8099
    Newark, DE 19714-8099

    Payments on Account

    Continental Finance Company

    P.O. Box 6812
    Carol Stream, IL 60197-6812

    Online Account Access
  • Credit Protection Program
    Continental Credit Protection

    View Continental Credit Protection Contract
    CONTINENTAL CREDIT PROTECTION is an OPTIONAL Program you can purchase to protect your credit card. Whether or not you purchase CONTINENTAL CREDIT PROTECTION will not affect your application for credit or the terms of any existing credit agreement you have with The Bank of Missouri.
    Your cost is $0.99 for each $100 of the Outstanding Account Balance on the date that your monthly billing cycle closed. Active undelete crack download. For example, if your Outstanding Account Balance is $200, the Program fee for that month will be $1.98 and will be automatically billed to your account on that same month’s billing statement.
    Please see the CONTINENTAL CREDIT PROTECTION Contract through the link above and upon purchase we will send you the CONTINENTAL CREDIT PROTECTION Contract that fully describes the Program’s features and benefits including the conditions, terms, exclusions, and restrictions that could prevent you from receiving Benefits. While receiving Benefits, you will be unable to make any new charges or obtain cash advances on your credit card.
    You may cancel the Program at any time and if you cancel within the first thirty (30) days, any fees charged will be refunded. We may cancel the Program at any time.
    Please carefully read the Continental Credit Protection Contract for the complete terms including Specific Conditions, Terms, Exclusions, and Restrictions.
    If you have any questions please call Continental Credit Protection at 866-665-7967. Our office hours are 8am to 6pm, Monday through Friday, Eastern time.