Milestone Gold MasterCard

Picture of Item Reviewed
30 Reviews
Consumer Rating:


Apply Here 3.5
Lowest:
493
Average Score:
570
Highest:
672
All
5 Star
26%
4 Star
23%
3 Star
30%
2 Star
13%
1 Star
6%
mousetrap78 
Credit Score: 555 Credit Limit: 300 Age: 35-44
Posted 05/13 2017
Overall Rating:
This was my second rebuilder after getting a fingerhut account. I was approved for both of these cards despite being denied by credit one, capital one and even first premier. I had an ok experience with this card. There were a couple of things that bugged me but they were not deal killers. The first is that I did experience payment holds for 7 days. Their website is truly old fashion and outdated. They also do not increase your credit limit. But you are getting this card simply to rebuild your credit and in that aspect, it does it's job. It reported to my reports immediately after the first bill was sent to me (which included the annual fee).
PH8 
Credit Score: 497 Credit Limit: 300 Age: 35-44
Approved 3 months after Bankruptcy
Posted 05/04 2017
Overall Rating:
I got this card three months after my BK was discharged. I was approved for a $300 CL and a $99 annual fee. The card took a few weeks to arrive and once I activated it, I was sent my first bill with the $99 annual fee on it. I pay it off immediately. I checked my scores and they also went up about 25-30 points pretty quickly. I have been using the card for one and a half years and my score has steadily risen to about 585. I also managed to get a Fingerhut and a sears store card as well.
Q6 
Credit Score: 577 Credit Limit: 300 Age: 25-34
Posted 04/17 2017
Overall Rating:
I had a fraudulent charge on my account for about $20. CSR was totally useless (IMO). Firstly, they are definitely not US based and I could barely understand them. I had to go through about 4 people and the issue is still not resolved. Stay away from this.
 
Credit Score: 536 Credit Limit: 300 Age: 35-44
Posted 03/13 2017
Overall Rating:
As a rebuilder, I would say that this card is "ok". There are worse cards out there that charge you an arm and a leg on fee. For this card, I had a $75 AF, but did not have to pay any monthly fees or processing fees. But they do increase your credit limits and they also do not have a mobile app.
rae 
Credit Score: 582 Credit Limit: 300 Age: 25-34
Posted 02/24 2017
Overall Rating:
The good thing about this card for me was that I was approved and my AF was quite ok ($75). They also do report to all 3 credit agencies and my scores have gone up by using this card. Like many have mentioned here, just charge a bit every month to the card and pay it off in full. Also, like others mentioned, they do not increase your credit limit and their website is so 1990s!

This card will help rebuilders. It will be useful up to a certain point.
pixel2 
Credit Score: 505 Credit Limit: 300 Age: 35-44
Approved 2 months after Bankruptcy
Posted 01/28 2017
Overall Rating:
I got this card about 2 months after my BK was discharged. Before that, I got approved for Cap One secured and Opensky. So this was my first "unsecured" card. These 3 cards helped me rebuild and after 2 years, my score has risen over 100 points. All I do is merely put about $30 each month on each card and pay it off in full. I send my checks early to make sure I am never late.

I have since gotten 2 capital on cards and a couple of store cards. I have also canceled all 3 cards that I got earlier since I do not want to continue paying those annual fees.
jennette 
Credit Score: 512 Credit Limit: 300 Age: 35-44
Approved 4 months after Bankruptcy
Posted 12/12 2016
Overall Rating:
I got the milestone about 4 months after my bankruptcy was discharged. My annual fee was $99 and the credit limit was $300. After the card arrived and was activated, I got the first bill with the $99 AF on it. I paid it off immediately so I had the full $300 limit. I checked my credit report after I got approved and saw about a 25 point improvement in all my scores. I used the card to very little (about $15 to $25) a month just to put something on it. I PIF every month as well. Not long after I got this card, I also applied and was approved for fingerhut and a credit one. The credit one came with a $75 AF.

After about a year, my scores had improved from 512 to 605. Since I had 3 cards, I cannot really attribute this solely to milestone. I never had any problems with the card though I did notice that like what others have said here, they do not increase your credit limit. My fingerhut started at $250 and now it is $750. Credit one started at $300 and after six months, they increased it to $500.

My goal is to get a couple of no AF cards and then cancel both this card and credit one. Fingerhut has no annual fee, so I'll probably keep that for a bit.
satellite4 
Credit Score: 591 Credit Limit: 300 Age: 35-44
Posted 11/23 2016
Overall Rating:
My credit took a dive because of a job loss and some unpaid bills. As part of the rebuild process, I got this card. Before that, I had started off with the capital one secured. The reason I went with this card is because it was unsecured and it did not come with all sorts of nasty fees. Yes, I have to pay a $75 AF. But other cards were worse (monthly fees and all that).

The AF gets billed the first statement so my suggestion would be to pay it off immediately. I also had my payment put on hold for a couple of times for about a week. Customer service is definitely not US based. This was not a recurring problem and I only called CSR once.

Having said all that, the card has served it's purpose and I will be cancelling it once I get a couple of no AF cards with a decent limit.
britney 
Credit Score: 576 Credit Limit: 300 Age: 35-44
Posted 11/14 2016
Overall Rating:
For rebuilders, I would say that this card does it's job of helping you get a line, reports to bureaus and helps you with your score. Mine certainly increased after getting this card and using it. The annual fee seems ok compared to other cards that also charge monthly processing fee etc.

But your credit line never increases. After getting this card, I managed to get my hands on fingerhut and credit one and eventually a capital one card. I started with $250 on fingerhut and it is now at $700. Started with $300 on credit one and now my limit is $700. Started with $300 on capital one and now my limit is $1500.

I have since canceled my milestone card. It did serve it's purpose and the fees weren't too bad. But just use this as a stepping stone to cards that give you CLI.
applepie 
Credit Score: 632 Credit Limit: 300 Age: 25-34
Posted 10/08 2016
Overall Rating:
I got this card when my score was about 631. AF was $59, got 23% APR and limit of 300. After I was approved, my card took about 5 weeks to arrive. Once I activated it, they sent me a bill with the $59 AF and I had 2 weeks to pay. Here is my experience with this card.

Pros
1. After I got my card, it started reporting and my scores went up 30 points in all 3 bureaus.
2. AF was not too bad.

Cons
1. I got payment hold for about 1 week.
2. Website is not that great.
3. they do not give credit line increases.

I guess it was worth bumping my scores up 30 points and more after I used it. But once I got a couple of capital one cards, I closed it.
 
Credit Score: 587 Credit Limit: 300 Age: 35-44
Posted 09/26 2016
Overall Rating:
It is ok to start rebuilding with this card. Once your scores improve, just get capital one. Your credit line will not increase so even if you get a decent AF on this, eventually, you'll need other cards.
disneyland 
Credit Score: 493 Credit Limit: 300 Age: 35-44
Approved 3 months after Bankruptcy
Income On Application: $55000
Posted 09/11 2016
Overall Rating:
I applied 3 months after my chapter 7 BK. Got approved for $300 and it came with a $99 annual fee. I never had any problems with the card. I charge $20 a month to the card and pay it off in full. I have had it for a year and a half and my score has increased 70 points. I have not had any credit increase though. From my experience, this card is definitely BK friendly.
Payment Hold 
Credit Score: 603 Credit Limit: 300 Age: 25-34
Posted 07/09 2016
Overall Rating:
I have a relatively good experience with this card except for the fact that when I pay in full, my payment gets put on hold for about a week. Fortunately for me, I only spending $30 a month on the card since for me, this card is solely to rebuild my credit. So even if there is a payment hold, I still have enough credit line. Do not max out on this card.
baseballfield 
Credit Score: 643 Credit Limit: 300 Age: 25-34
Posted 06/25 2016
Overall Rating:
I regret getting this card. The bright side is that my annual fee was ok at $75. But CSR said they never increase your credit line, their website sucks and they have no mobile app. They don't even have autopay set up. Their back end operations leaves a lot to be desired. I would go for a capital one card because looking at this.
jules 
Credit Score: 525 Credit Limit: 300 Age: 35-44
Posted 05/03 2016
Overall Rating:
Got approved with a $75 and $300 limit. I only charge about $25 a month on the card and PIF. After I got the card, my scores went up 35 points. After another 7 months, they went up a further 50 points across all 3 credit bureaus. I was then able to get a Capital One and even a barclaycard. This card has served it's purpose and I will be cancelling it.

There are some things that will put folks off. For example, they may put a payment hold for 7 days. They do not have autopay and they also have no app. Website is clunky to say the least.
watchdog 
Credit Score: 601 Credit Limit: 300 Age: 35-44
Posted 04/19 2016
Overall Rating:
My credit took a hit and my scores went down to the high 500s. To rebuild, I first got a opensky secured card. After 4 months, it bumped my score up to about 600. The milestone card is my second card. I got approved with a $75 annual fee and $300 credit limit. I might try to open one more trade line. But I'll be using these 2 cards now to rebuild. I only spend about $30 on both cards each and pay them off in full every month. They both report to all 3 bureaus.
tracy 
Credit Score: 583 Credit Limit: 300 Age: 25-34
Posted 03/12 2016
Overall Rating:
I have been reading that you need 3 trade lines or credit cards to rebuild. I first got a cap one secured and put $500 into it. Next came fingerhut (because it had no annual fee). I got $200 limit for that and it was bumped up to $400. Then I applied for this card. I got approved for $75 annual fee version and $300 limit. I'll stick with these 3 cards for the moment. I'll make another round of app when my score gets into the high 600s.
carouselride 
Credit Score: 627 Credit Limit: 300 Age: 35-44
Posted 01/27 2016
Overall Rating:
I have this card. My annual fee is $59, rate is 23.9% I think and the initial limit was $300. When the first bill came, they charge the annual fee and I PIF. I seldom use it, maybe $20 each month. I plan to have it for a couple of years to rebuild and then close it when I can get better cards.
served it's purpose 
Credit Score: 579 Credit Limit: 300 Age: 35-44
Posted 01/19 2016
Overall Rating:
This is an ok card to start out. I got approved for $300 and all I do is to put $25 on the account every month and pay it off. After about 6 months, my score improved to over 600. I managed to get the capital one platinum and quicksilver. These are much better cards. But the Milestone card has served it's purpose and I will be canceling it soon.
stupid annual fee increase 
Credit Score: 576 Credit Limit: 300 Age: 25-34
Posted 11/11 2015
Overall Rating:
So when I got the card, the annual fee was $75. However, during the second year, they jacked it up to $99. This is ridiculous/
no credit increase 
Credit Score: 535 Credit Limit: 300 Age: 35-44
Posted 10/06 2015
Overall Rating:
This is a very important thing - they do not increase your credit limit. You can call, beg and do whatever, it stays at $300. I also have Capital One and Credit One card and they do both will increase your credit limit. If you are considering this, I would go for Credit One first.
shirley 
Credit Score: 516 Credit Limit: 300 Age: 35-44
Posted 08/26 2015
Overall Rating:
So my credit was really bad and they approved me. My annual fee was $99 and the credit limit was $300. It's been close to 2 years and like others said here, they do not increase your credit limit. Their website is really outdated and 90s looking and they have no app!

Having said all that, my score went up over 50 points just from charging $50 a month and paying it off in full. So it has served it's purpose. And since I have just gotten a capital one unsecured card and barclaycard, I will be saying goodbye soon.
jawstheshark10 
Credit Score: 548 Credit Limit: 300 Age: 35-44
Posted 05/23 2015
Overall Rating:
This was one of the easiest cards to get. But after a year, I realize that they have not increased my limit. I checked online and called them and was told they do not increase credit limits. I also have a Credit One card and was given an increase after only 6 months.
jared1978 
Credit Score: 612 Credit Limit: 300 Age: 35-44
Posted 04/17 2015
Overall Rating:
Applied and was approve but got the card is a couple of week. Annual fee post straight away on the first bill and is reported to the bureaus if you do not pay it off.

The good:
1. easy to get
2. no issues with payment

The bad;
1. I have not gotten any credit line increases.

bottom line is that if you pay your bills in full, then there will be no problems. My score improved a lot with this card and a fingerhut.
 
Credit Score: 634 Credit Limit: 300 Age: 35-44
Posted 02/09 2015
Overall Rating:
All cards targeted at bad credit folks like us are not great. But they do serve a purpose, which is to help us rebuild. This card is no different. And we all know that we need to get at least 3 or 4 trade lines so even if we get 2 great cards, we'll end up with one that is not so good. After doing a lot of research, I've come to the conclusion that there are worse cards out there.

I myself got this card and all I do is charge my bills to it and end up putting $55 on the card a month. I PIF so the interest rate does not bother me at all. That, together with my secured card and 2 other cards (credit one and fingerhut) has helped me increase my score by over 80 points.

The downside of this card is that they do not give credit line increases whereas both my credit one and fingerhut did.
paperbridge 
Credit Score: 545 Credit Limit: 300 Age: 35-44
Posted 12/04 2014
Overall Rating:
I spent hours looking at other cards and I decided to get this card. I have bad credit, so low limits and high annual fees appear to be part of the deal. This card is better than cards like Total, First Access, Surge, Verve and 1st Premier. These cards all charge monthly maintenance fee and processing fees.

Stick with this and maybe a fingerhut or credit one and you will build up your scores again.
aloevera 
Credit Score: 498 Credit Limit: 300 Age: 25-34
Posted 10/11 2014
Overall Rating:
I was really surprised to be approved for this card because my scores were hovering around slightly below 500. After 6 months, they had gone up to 580. I then applied and got approved for 2 capital one cards and said goodbye milestone. It did serve it's purpose.
annual fee increased 
Credit Score: 672 Credit Limit: 300 Age: 25-34
Posted 08/21 2014
Overall Rating:
They charged me an annual fee of $35 for the first year. Then they started charging me $99! This is just absurd. I cancelled the card.
 
Credit Score: 583 Credit Limit: 300 Age: 25-34
Posted 07/10 2014
Overall Rating:
I got this card to help me rebuild my credit. My annual fee was $75 and the starting limit was $300. They will bill you the annual fee on your first statement. After using the card for a year, I was quite puzzled that I had not got any credit line increases. After checking their website and calling their customer service, I found out that they do not give you any credit line increases. At about the same time I got this card, I was also approved for credit one and capital one with an almost similar starting credit limit. But credit one has given me an increase after 6 months and my cap one limit is now $1800.
Aedan 
Credit Score: 562 Credit Limit: 300 Age: 35-44
Posted 05/26 2014
Overall Rating:
Applied, was approved and the card came in 10 days. My AF was $75 and my limit was $300.

The bad thing about this card is that there do not give you any credit increases.