Milestone credit card is primarily offered to applicants with average or bad credit scores. It is an unsecured credit card with a low credit limit and comes with a relatively higher APR as compared to other cards.
You can manage Milestone credit card payments online, by phone, or by mail easily. The online credit card management system also offers other benefits.
Let us guide you through the process of how to find and use your Milestone credit card login, Milestone customer service, payment options, and more.
Where to Apply for a Milestone Credit Card?
You can apply for a Milestone credit card online by using its online portal. The credit card application and approval processes are completely online.
Visit the official web link of Milestone and find the credit card application service page there. You’ll first need to go through the prequalification steps.
The pre-qualification process evaluates your creditworthiness first. It pulls a soft credit check which means there is no loss of credit score points for applicants.
Milestone credit card is designed for applicants with bad/poor credit scores. Therefore, you do not need to worry if you don’t have an excellent credit score.
Milestone credit card is powered by Mastercard. The credit cards are issued by The Bank of Missouri, an FDIC-insured financial institution.
Milestone Mastercard is an unsecured credit card. It means applicants do not need to deposit any amount as a security deposit.
Once you receive a confirmation email after the prequalification assessment, you can use the link to apply for the credit card immediately. It will take a few minutes to process your Milestone credit card application after prequalification is done.
How to Create the Milestone Credit Card login?
You can visit Milestone’s “My Finance Service” page to register your credit card for online management.
Locate the “My Account” link on the top-right corner of the page. Then, find the “register my account” link and follow the page.
You’ll need to provide a credit card number, personal identification information, date of birth, and social security number. Then, follow the next steps to provide further details.
Once you fulfill the required fields, your online account to manage the Milestone credit card will be activated. You can then use the username and password credentials to use this online portal every time.
For further convenience, you can follow the same steps through Milestone mobile app. As well.
How to Make a Milestone Credit Card Payment?
Milestone credit card Mastercard comes with a very low limit of up to $300 only. It means you’ll need to make sure to repay this amount frequently.
The late fee penalty for the Milestone credit card is $40. You have three convenient options to pay for your Milestone credit card to avoid any penalties.
Online
Creating an online account for your Milestone Mastercard gives you 24/7 access. You can keep track of your credit card transactions at any time.
You can then pay from the linked bank account or use a debit card to pay the outstanding Milestone Mastercard bills.
For further convenience, you can set auto payments. It will make sure your monthly credit card payment is made on time and correctly.
You can also change the linked bank account at any time. Also, you can change the monthly autopay amount or date for convenience.
Make sure to arrange the bank account details, bank routing number, social security number, and other important details to set up online payments for the first time.
By Phone
Another easy and convenient option to make Milestone credit card payments is by phone. You can use this customer service number to make credit card payments: 1-800-305-0330.
You’ll need to provide your credit card number, bank account, bank routing number, and other details to make the credit card payment.
Credit card payment by phone is an instant method. However, sometimes it may take a few days to reflect the payment in your credit card statement.
By Mail
You can also send paper checks or money orders to Genesis bank for your Milestone credit card payments.
You can send your payments to Genesis bank at the following mailing address:
Genesis FS Card Services | PO Box 84059 Columbus, GA | 31908-4059.
Credit card payment by mail is a convenient but slower option to make payments. It may take a few days to clear pending dues unless you use (and pay for) express mail services.
Also, you’ll have to keep a manual record of paper checks whenever you send one by mail.
How to Manage Your Milestone Credit Card Online?
Milestone has a dedicated “my finance service” page for managing credit cards online. You can perform several tasks, including payments, through this online portal.
- Access credit card history 24/7 and monitor all transactions.
- View credit card monthly statements.
- Monitor current credit card balance and confirm monthly due dates for the due amount.
- Set up the “autopay” feature to make recurring online payments without requiring you to log in every time.
- Making secure and convenient monthly credit card payments.
An online credit card portal is a convenient way to manage a credit card. You can enjoy these features through Milestone mobile apps on your IOS or Android devices as well.
Pros and Cons of Milestone Credit Card
The milestone credit card offers discrete benefits and limitations for its users.
Pros Explained
- It is an unsecured credit card. It means applicants require no security deposit or an asset to pledge.
- It is primarily designed for applicants with average or bad credit scores. Thus, without any security deposit, it is an excellent choice for applicants without excellent credit scores.
- Prequalification is a mandatory step for Milestone credit card applicants. It means applicants can avoid a hard credit check and analyze their chances of approval with only a soft credit inquiry.
- Milestone reports your credit history to credit bureaus. Thus, you can use this card for credit-building as well.
Cons Explained
- This credit card comes with a high annual fee ranging from $35 to $99.
- It comes with a relatively higher APR as compared to other unsecured credit cards in the same category.
- It does not offer any reward points, introductory lower APR, welcome bonuses, or any other perks.
- It has a very low credit limit of up to $300 for most applicants.
- Credit building with an unsecured credit card comes with a high APR and lower credit limit is significantly difficult.
How to Recover Your Milestone Credit Card Credentials?
You can use the same online portal to recover your Milestone credit card credentials that you used to access the account.
Follow the “forgot your username or password” recovery link. It will send you a recovery email to your registered mailbox.
Once you confirm your identity and click on the link, you’ll then be able to reset the username or password for the Milestone credit card online account.
If you can’t reset the online account credentials online, you can always talk to a customer service agent through the phone helpline at 1-800-305-0330.
How to Cancel Milestone Credit Card?
You can contact Milestone credit card customer support services to request the credit card application.
You must clear all credit card dues and annual fees before requesting the cancelation. Alternatively, you can contact The Bank of Missouri and serviced by Genesis FS Card Services to request the credit card cancelation.
