Consumer Reviews, Credit Score and Income Needed, Credit Limits
Ollo Platinum MasterCard®

Picture of Ollo Platinum MasterCard®
58 Reviews
Consumer Rating:


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0
Average Score:
502
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754
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25%
3 Star
12%
2 Star
6%
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20%
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Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 05/20 2020
Overall Rating:
Hmm what joke I built my credit back up they increased my limit to 3500 after no missed payments . I paid my balance in full so I had it if needed. A week later my available is 300. Customer service has no clue why but "I'll get a letter" hmm thanks Ollo!!
 
Credit Score: 732 Credit Limit: 3 Age: 35-44
Income On Application: $40
Posted 04/28 2020
Overall Rating:
I loved Ollo in the beginning. Now I realize all they are here for is to destroy your hard work of rebuilding your credit. I had a limit of $3,900. I never made a late payment and never had any issues. I paid off my card so I could use it for another large purchase. Then Ollo decides that they are going to take my available credit down to $300.00. So the first thing I do is call customer service and they have no clue what’s going on. And she tells me oh you’ll be getting a letter because the bank decided they were going to drop your available funds. So I hop online and see that I’m not the only one that Ollo is screwing over. They seem to be doing this to a lot of people and I really think they need to be investigated! This being done in a pandemic when people may need their credit funds available shows how sketchy this company is. Needless to say I’m closing my card with this absurd company.
 
Credit Score: 719 Credit Limit: 1800 Age: 45-54
Income On Application: $50000
Posted 04/20 2020
Overall Rating:
Wish I could give them 0 stars or better yet negative score. The most dis-respective credit card company ever. Closed my paid off account after just 3 month of inactivity. without any warning. Customer service as well as management consist of very rude, condescending people.
Do yourself a favor and stay away from any of their offers.
 
Credit Score: 719 Credit Limit: 1800 Age: 45-54
Income On Application: $50000
Posted 04/20 2020
Overall Rating:
Wish I could give them 0 stars or better yet negative score. The most dis-respective credit card company ever. Closed my paid off account after just 3 month of inactivity. without any warning. Customer service as well as management consist of very rude, condescending people.
Do yourself a favor and stay away from any of their offers.
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Posted 04/20 2020
Overall Rating:
OLLO CREDIT CARD IS THE WORST. THEY SHOULD BE SUED. THEY DESTROYED MY CREDIT CLOSING MY ACCT WITHOUT MY KNOWLEDGE CAUSE I DIDNT USE IT FOR 4 MONTHS. SUPPOSEDLY YOU HAVE TO USE IT EVERY MONTH. CUSTOMER SERVICE WAS NO HELP. DO NOT APPLY FOR THIS CARD.
 
Credit Score: 0 Credit Limit: 500 Age: 45-54
Posted 04/09 2020
Overall Rating:
I never missed a payment. Paid the account off in September of 2019. Called to check available balance because of the Coronavirus situation right now and my card had been closed two days ago because of no activity. No warning. Cannot reopen the account. I understand the policy, but because of the situation in the world right now I think this was very wrong on their part as a business. They obviously are not trying to help the American people like all the other companies right now
 
Credit Score: 0 Credit Limit: 1100 Age: 55-64
Posted 03/01 2020
Overall Rating:
The only issue that I have with the card they don't give credit line increases like they said they was going to . I'm stuck on $1,100 which I can't use but 20% because if I use more it will cause my credit score to go down like 30 points.
 
Credit Score: 645 Credit Limit: 500 Age: 55-64
Posted 02/14 2020
Overall Rating:
I applied and was approved for this Ollo card. A company I just began dealing with made an unauthorized charge. I immediately called said company, and received no resolution. I called Ollo customer service and the rep hung up the phone. I was not rude nor disrespectful just wanted a resolution and received NOTHING but a hang up. They Do Not increase your balance with on time payments. That is what attracted me to this company. So, now no increases, rude CSR reps, and I’m stuck paying for an unauthorized charge. I have locked the card, will pay it off ASAP- funny, looking into the history of this card- run by an ex BOA executive. Need I say more????? Disgusting.
 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Approved after Bankruptcy
Posted 01/30 2020
Overall Rating:
My credit score was 712. This company reported my account 90 days late and included late fees while it was protected by Law under a Chapter 13. You can't get through to their Bankruptcy Department you are placed on hold for hours and no one ever answers the phone.
 
Credit Score: 0 Credit Limit: 1200 Age: 45-54
Income On Application: $9800
Posted 01/19 2020
Overall Rating:
Want A good Credit Card. OFFER
 
Credit Score: 690 Credit Limit: 2500 Age: 45-54
Income On Application: $54000
Posted 11/28 2019
Overall Rating:
I have had my Ollo card for years with no real issues, then I had some fraudulent claims, one of which were some tickets to an event that I did not buy tickets for and they sided with Ticketmaster. So randomly after a couple months the charges just pop up back into my account. Of course Ticketmaster is going to claim it was me. What happened to Zero Liability Fraud, what a load of crap. I am aggressively paying off this card now so I can get rid of it ASAP. This is why they have a terrible reputation online. 5 years ago it was a good card for people rebuilding, now it is absolute S*#T!
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Approved 6 years after Bankruptcy
Posted 11/13 2019
Overall Rating:
I was skeptical about getting the card because I had never heard of it. A co-worker stated they had one and was happy with it. So I had applied and was approved. I have now had it for several months now, but never had to use it. Today, we were notified of a security alert of suspicious charges. What is strange is that we have NEVER used this card, nor even taken it outside of the home yet. I'm not sure how that can happen exactly, but it seems like a breach within the organization. For the cards that I do use regularly, I have yet (thankfully) had this issue. I will be paying particularly close attention to this card, and if it happens again, it is going to be cancelled. The people in the security department are rather rude as well.
 
Credit Score: 705 Credit Limit: 2000 Age: 35-44
Posted 11/03 2019
Overall Rating:
Applied & approved CL$800, 0% balance transfer for 12mo's, really help me in a time of need. Payment online or app is very easy and simple, never had to call or had any issues. Now my CL is $2000 after 2yrs,and I use it only a monthly subscription to keep it active, Thanks for OllO for the invitation
 
Credit Score: 623 Credit Limit: 300 Age: 35-44
Approved 5 months after Bankruptcy
Income On Application: $100000
Posted 10/27 2019
Overall Rating:
Filed bankruptcy in January and discharged in May. Waited to improve a situation with student loans then applied. Credit scores according to Experian as follows: Experian 623, Equifax 603, Transunion 549. Wasn't expecting to be approved but took a chance as I couldn't think of anything else other than secured loans or cards to improve my credit rating. I was approved with Ollo for $300 line of credit. While thats very low, I am excited to start rebuilding my credit. May apply for capital one in 6 months or less based on credit score improvements.
 
Credit Score: 732 Credit Limit: 75000 Age: 35-44
Income On Application: $75000
Posted 09/19 2019
Overall Rating:
Ollo MasterCard fooled me with false advertisement of pre-approval, but when I have applied, denied for no real reason. There were no major changes in my credit score/report. Now they have violated my score with their inquiry. I would have never apply for this credit card without pre-approval. Horrible customer service and abdsolute dishonest false advertisement, I guess it's good I didn't get it.
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 07/21 2019
Overall Rating:
Is it true you can’t pay your bill online?
 
Credit Score: 754 Credit Limit: 2000 Age: 45-54
Income On Application: $60000
Posted 06/29 2019
Overall Rating:
Worthless of a credit card. My current credit scores: 754/782. Ollo has not increased my credit limit. Capital One increased my limits twice with a year by $5,000. Seems like I will have to close the Ollo accounts.
 
Credit Score: 711 Credit Limit: 2400 Age: 55-64
Approved after Bankruptcy
Posted 06/26 2019
Overall Rating:
Don't get into a situation where you need help with pending transactions that shouldn't be on your card, you'll get zero help!!
 
Credit Score: 665 Credit Limit: 1600 Age: 45-54
Approved 6 months after Bankruptcy
Posted 04/20 2019
Overall Rating:
I was discharged in June 2018 and received the invite in Nov 2018. I wasn't sure about the offer because I had never heard of Ollo before. I thought it may have been a fluke since it was so soon after discharge. I applied and was instantly approved for $1600 and boy was I shocked. I use at least $1200 of my limit every month but I pay it off in full each time. During that same time I also recieved an invite from Merrick and was approved for $750 and supposedly after 6 months they double the limit so we shall see what happens there. I also have Cap1 secured that started at $600 and was surprised that they gave me an increase of $300 at about the 6 month mark, so now I have $900 with them. Overall I'm okay with what I have. I have not had any payment or customer service issues with Ollo so perhaps they have stepped their game up recently. I use their mobile app to make payments and view my account. I honestly have nothing to complain about with them.
 
Credit Score: 0 Credit Limit: 1000 Age: 65+
Income On Application: $58000
Posted 07/10 2018
Overall Rating:
I do not have any other cards except store card . I would like to have an emergency card for when I travel . I am not quite sure what my credit score is , but assume it is a little low since it has been a while since I have had cards and , my home is nearly paid for . please consider approval of a platinum m/c so I can re-start my credit on a very careful basis . thanks.
 
Credit Score: 685 Credit Limit: 1800 Age: 65+
Approved 4 years after Bankruptcy
Income On Application: $66
Posted 07/08 2018
Overall Rating:
Looks like an excellent credit card for rebuilding and a generous starting credit limit at 1800 dollars !
Look forward to a good Olli platinum cc
 
Credit Score: 686 Credit Limit: 0 Age: 65+
Approved 4 years after Bankruptcy
Income On Application: $65000
Posted 07/06 2018
Overall Rating:
Appears to be an excellent card for getting back on track in the latter stages of rebuilding, hoping for a good experience with Ollo mastercard.
 
Credit Score: 668 Credit Limit: 2500 Age: 35-44
Approved 2 years after Bankruptcy
Income On Application: $90
Posted 07/04 2018
Overall Rating:
I have a paypal mastercard (3000) Merrick Bank (1700.00) and a car loan. I received the offer in the mail and was approved for 2500. I am hoping to raise my credit with this card, I do not carry a balance on any of my cards so the interest rates are not much of a concern for me.
 
Credit Score: 660 Credit Limit: 2500 Age: 45-54
Approved 12 months after Bankruptcy
Income On Application: $75
Posted 06/27 2018
Overall Rating:
I applied for this card in March and got a $2500 limit for a 660 FICO score. The whole process has been smooth and I use the online servicing to make payments and watch my balance. Great card!!!
 
Credit Score: 670 Credit Limit: 3000 Age: 55-64
Approved < 1 year after Bankruptcy
Income On Application: $140000
Posted 06/21 2018
Overall Rating:
No customer service experience.
First payment took a week to post.
Good experience.
 
Credit Score: 680 Credit Limit: 1 Age: 55-64
Approved 3years after Bankruptcy
Income On Application: $68
Posted 06/07 2018
Overall Rating:
I got an offer in the mail and was prequalified. I applied and got the card. It has a 1200 credit limit

Capital One Platinum 800
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 06/02 2018
Overall Rating:
1estar
 
Credit Score: 0 Credit Limit: 0 Age: 35-44
Approved One Year Ago after Bankruptcy
Income On Application: $520000
Posted 05/16 2018
Overall Rating:
690 - 1500

 
Credit Score: 640 Credit Limit: 800 Age: 25-34
Approved 22 months after Bankruptcy
Income On Application: $22000
Posted 05/12 2018
Overall Rating:
seems like it would be a good card for those with lower credit, as there is no annual fee or any monthly fees like i see some of the other credit cards for lower credit scores have. i had read something else that said something about 0% interest for so many months for purchases and balance transfers, however that was either incorrect or was not offered to me. on the fence about cancelling the card before i activate it as i dont want too many cards and already have 2 with cap one ($850, $3,000) as well as 3 store cards with cap one (kohls-$1,300, maurices-$300, menards-$2500). also have a card with kay jewelers, through genesis bank for $3700. the card seems less appealing to me with the $800 limit, as well as no 0% interest like i thought i'd read about. i'm already using the lower limit cap one card for regular bills on auto pay and paying in full.
 
Credit Score: 700 Credit Limit: 300 Age: 18-24
Income On Application: $45000
Posted 05/08 2018
Overall Rating:
very disappointed in the credit line I received, the card itself is decent though I may close the account due to such low CL
 
Credit Score: 550 Credit Limit: 1500 Age: 65+
Approved no after Bankruptcy
Income On Application: $25000
Posted 05/07 2018
Overall Rating:
550 1500
 
Credit Score: 570 Credit Limit: 500 Age: 25-34
Income On Application: $60000
Posted 04/02 2018
Overall Rating:
I have about 7 cards with no more than $2000.00 credit score is far
 
Credit Score: 688 Credit Limit: 2000 Age: 25-34
Approved 8 after Bankruptcy
Income On Application: $26600
Posted 03/28 2018
Overall Rating:
This is extremely interesting. I was offered this card via Credit Karma and I had "a 90% chance of approval". I am currently rebuilding my credit and looking to make my utilization lower. I'm currently using an Amazon Sync Bank card with $1000 limit, Discover It with $2000 limit, Capital One Quicksilver One with $500 limit and a Capital One Savor Card with a $1000 limit. This will, at the very least, help boost me into the 700-club. Good luck to you!
 
Credit Score: 734 Credit Limit: 0 Age: 45-54
Income On Application: $100
Posted 02/14 2018
Overall Rating:
I pit nothing I have so many cards but it said pre-approved to me that means no credit check
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Approved 14 months after Bankruptcy
Income On Application: $24960
Posted 01/10 2018
Overall Rating:
I received preapproval in mail but was denied. I have no debt so I don't know why I was
denied after they said I was preapproved sounds like a scam to me
 
Credit Score: 0 Credit Limit: 10000 Age: 65+
Approved 20YEARS after Bankruptcy
Income On Application: $45000
Posted 11/26 2017
Overall Rating:
LIMIT OM MY CARD 10000
 
Credit Score: 670 Credit Limit: 2000 Age: 35-44
Income On Application: $90000
Posted 11/16 2017
Overall Rating:
Easy and quick instant online approval with no hassles or waiting a week or more. No rewards offered, deferred interest or balance transfer. APR is high but I won't keep a high balance anyway. Good SL and is one of my highest, they beat Discover SL of $1500. I will be closing my creditone AF CC of $1900. Seems to be better than capital one CC and I did get the invite mailer with reservation code. Applied on the last day offer was to expire. Wish it were a Visa Card instead!
 
Credit Score: 640 Credit Limit: 2500 Age: 35-44
Approved 1 year after Bankruptcy
Income On Application: $46800
Posted 11/03 2017
Overall Rating:
Payments take a lot of time to clear. I applied to a better interest card about 2 weeks ago and was approved with a credit line of $3000. I consolidated all my credit cards into this one new card. All cards have been paid, except OLLO. OLLO does not take wire transfers, therefore payment was sent via regular mail. I has been more than 10 days and OLLO claims they have not received payment.
 
Credit Score: 668 Credit Limit: 3000 Age: 45-54
Approved 5.5 after Bankruptcy
Posted 08/12 2017
Overall Rating:
I'm thankful for the opportunity to rebuild my credit. Downside: (1) online bill pay. Both Citibank and Chase cannot recognize this company even after I put in my 16 digit credit card number. So no way for my bank to pay Ollo directly. The only way to pay Ollo is to give Ollo my routing number and bank account number, which I prefer not to give to my credit card company. (2) No app yet, so I have to input my user id & password on my mobile phone using a browser. Capital one, USAA, etc has apps that has fingerprint recognition, making it easy to log in.
 
Credit Score: 668 Credit Limit: 3000 Age: 45-54
Approved 5.5 years after Bankruptcy
Posted 08/12 2017
Overall Rating:
I'm thankful for the opportunity to rebuild my credit. Pros: no foreign transaction fee, cash rewards, MasterCard which is good for foreign travel. Downside: (1) online bill pay. Both Citibank and Chase cannot recognize this company even after I put in my 16 digit credit card number. So no way for my bank to pay Ollo directly. The only way to pay Ollo is to give Ollo my routing number and bank account number, which I prefer not to give to my credit card company. (2) No app yet, so I have to input my user id & password on my mobile phone using a browser. Capital one, USAA, etc has apps that has fingerprint recognition, making it easy to log in (3) High interest rate. I don't carry a balance so its not an issue.
 
Credit Score: 664 Credit Limit: 2000 Age: 55-64
Approved 9 years (still on CR) after Bankruptcy
Income On Application: $40000
Posted 07/30 2017
Overall Rating:
Very surprised at the limit, but still skeptical, since I haven't gotten an email confirmation. Anyone else in the same boat?
 
Credit Score: 680 Credit Limit: 2500 Age: 55-64
Approved 4 years after Bankruptcy
Income On Application: $65000
Posted 07/21 2017
Overall Rating:
no annual charge or overlimit fee. If there would have been an annual fee I would have tossed it. Higher interest rate. Not a bad card.
 
Credit Score: 698 Credit Limit: 3000 Age: 45-54
Approved 10 months after Bankruptcy
Income On Application: $41500
Posted 07/20 2017
Overall Rating:
Plain Jane no Rewards. No Frills. use and pay should be OK.
I Have Cap 1, Merrick, and OLLO now. Second BK building credit. Don't like no cash Back like my no fee quick silver upgrade with Cap One
 
Credit Score: 647 Credit Limit: 2000 Age: 45-54
Approved 3 years discharged after Bankruptcy
Income On Application: $72000
Posted 06/23 2017
Overall Rating:
transunion and Equifax 688 when I got preapproval in mail. I pay off bill monthly. They pulled Experian which was 650. Chapter 7 discharged Feb. 2014.
 
Credit Score: 665 Credit Limit: 2 Age: 35-44
Approved 3.5 after Bankruptcy
Income On Application: $48
Posted 06/21 2017
Overall Rating:
I received the invite in the mail so I applied and I was approved for a 2,000 credit limit. I filed bankruptcy about 3 1/2 years ago now and based on Credit Karma my Transunion score is 665 and Equifax is 685. I will only put on this card what I can pay off each month. Hopefully this card will take my credit score to the 700's... Good Luck to all
 
Credit Score: 600 Credit Limit: 1000 Age: 25-34
Posted 05/23 2017
Overall Rating:
Got the invitation in the mail. Have had two fully secured cards at $300 ea for less than a year. Got approved for this one at $1K at ~ 580 EX-08 and 610 TU-08. No annual fee, few other fees, no rewards. I am curious to see how the service, billing, etc all works out, especially eventual product changes and automatic line increases with this being a new credit brand.
 
Credit Score: 600 Credit Limit: 1000 Age: 25-34
Posted 05/23 2017
Overall Rating:
Got the invitation in the mail. Have had two fully secured cards at $300 ea for less than a year. Got approved for this one at $1K at ~ 580 EX-08 and 610 TU-08. No annual fee, few other fees, no rewards. I am curious to see how the service, billing, etc all works out, especially eventual product changes and automatic line increases with this being a new credit brand.
 
Credit Score: 0 Credit Limit: 0 Age: 25-34
Posted 05/08 2017
Overall Rating:
so my scores are like 675 area and I got the invitation in the mail. The question is that I already have the capital one quicksilver, fingerhut, credit one, and macys. Is there really a need for this given the lack of track record. I'm just tempted to wait until my score reaches 700 and get a "real" and "proper" card. Right now, I think I risk getting approved for the Ollo but having a tiny limit.
 
Credit Score: 625 Credit Limit: 300 Age: 35-44
Posted 05/05 2017
Overall Rating:
I give this a 4 star for having no annual fee. The limit was low (but so were my other higher fee cards). I got approved with a low 600 score and my friend was denied with a high 600 score!
 
Credit Score: 634 Credit Limit: 300 Age: 35-44
Posted 05/03 2017
Overall Rating:
Score was 634 and I got approved for $300. The limit kind of sucks cos my other cards like credit one gave me the same starting limit. But there is no annual fee compared to credit one and my other cards.

With credit one, I did get an increase in credit lines after six months. Let's see how this card fares in that regard.
 
Credit Score: 642 Credit Limit: 500 Age: 35-44
Posted 04/27 2017
Overall Rating:
here's what I see as the pros and cons

pros
1. no fx fee
2 no late payment and over-the-limit fee

cons
1. no annual fee
2. no 0% intro offer

I applied just to add some total credit lines to my portfolio.
 
Credit Score: 554 Credit Limit: 300 Age: 35-44
Posted 04/24 2017
Overall Rating:
I will give this card a 4 star for the fact that there is no annual fee and foreign transaction fee. The negatives are that I got a low limit and the APR is rather high. It matters to me since I carry a balance occasionally even though everyone says I should not given my financial situation.
 
Credit Score: 684 Credit Limit: 0 Age: 18-24
Posted 04/21 2017
Overall Rating:
I got the invite in the mail. Terms are

$0 annual fee
24.9% APR

I am on the fence about this as the rate is too high.
 
Credit Score: 630 Credit Limit: 500 Age: 35-44
Posted 04/20 2017
Overall Rating:
Finally, I am able to get a no annual fee card after a few years of paying high fees. My next card will be a Macy's card and I'll probably try to get a Sears card as well.
 
Credit Score: 668 Credit Limit: 0 Age: 25-34
Posted 04/18 2017
Overall Rating:
Just as a reference, I got the mail invitation and my score was 668. I did not apply because the interest rate is high to me. 24.9% is definitely sub-prime type of APR.

This card is definitely competing with Capital One. It does not charge any foreign transaction fee so those of you who travel abroad may want to look at this. I will pass for now and go for an Amex once my score goes above 700.
 
Credit Score: 668 Credit Limit: 1000 Age: 25-34
Posted 04/10 2017
Overall Rating:
I got the email invite and was thinking hard about it. I have been rebuilding for the last 3 years and feel I am close to the coveted 700 score. I already have the Capital One Quicksilver, having dumped a couple of high fee cards along the way. I decided to apply to add another no annual fee card into the mix. I was approved for $1000. So far so good.
 
Credit Score: 546 Credit Limit: 200 Age: 25-34
Posted 04/03 2017
Overall Rating:
I'll give this card a 5 star because they approved me at a mid 500 score and it has NO ANNUAL FEE. I will live with the $200 limit because I have a couple of high fee cards with only a $300 limit or so but with ridiculous fees. I'm sure glad they sent me the invite in the mail.
 
Credit Score: 653 Credit Limit: 1500 Age: 35-44
Posted 03/30 2017
Overall Rating:
This is probably the most decent credit I have gotten given my score. The best I have gotten is a $500 limit from cap one.