Avant Credit Card Reviews: Application, Login, Activate & Make Payments on Your Card
Image Credit: www.avant.com
Final Verdict
This credit card is only ideal for those looking to build their credit, and who otherwise cannot get approved for other credit cards with rewards and lower APR.
- Rewards
- APR rate
- Worldwide acceptance
- Credit limit
- Approval rate
- Credit score
Although there aren’t much of a benefit (i.e. miles, perks, cashback rewards, etc) associated with the Avant credit card when compared with other alternatives out there. It is the ideal card if to go for if you’re looking for a good credit card to build or rebuild your credit on.
The AvantCard is a not a secured credit card, meaning you’re not required to deposit some funds which serves as a form of collateral on the account.
Also, I’ll like to tell you that the Avant credit card isn’t available in Vermont, Colorado, Iowa, West Virginia & Wisconsin. So if you reside in any of these states, I’m afraid you’re ineligible to apply for an Avant card. Going further, the Avant credit card has an annual fee of $29, and is being issued by WebBank, which is a member of the FDIC.
AvantCard Credit Card: All You Need To Know
First, the Avantcard is an unsecured credit card; no payment is required beforehand to use the card. Secondly, the card is provided by Avant, a Chicago based company whose priority is to make loans accessible to people within the shortest timeframe.
As a rule, you’ll usually undergo a pre-qualification stage — although this doesn’t affect your credit score, in order to know if you qualify for the card or not. Also, take note that Avant reports to the three major credit bureaus — TransUnion, Equifax and Experian. Therefore, all your activities will be monitored and sent to the credit bureaus. This is good news, since you’re hoping to build your credit. All you need is to make sure you’re paying your monthly balance on time.
The Avantcard is a MasterCard, meaning that you can use the card anywhere you see the MasterCard logo all the world. This is particularly useful for the globetrotters, since MasterCard is a global brand, the possibility of your card not recognized/accepted is zero to none.
Furthermore, Avant makes use of your credit profile, and the state law of the state where you reside to determine your credit limit. Certainly, this will increase naturally in as much as you make your monthly payments on time.
The card doesn’t come with many benefits like the common ones you see in other credit cards out there, but the fact that it has no penalty APR makes a reasonable compensation.
The Avantcard current purchase APR of 25.74% Variable is pretty high, but I guess they made this move since they’re targeting those new in the credit world.
Also, the fact that the Avant credit card has a fixed due date is another deal breaker for me, because it just shows the lack of flexibility that comes with the card.
While the Avantcard have no penalty APR, it does have a late penalty fee of up to $35. Furthermore, the card’s credit limit ranges from $300 and $1,000, depending on your credit profile.
Generally, customers have had a positive experience with the Avant credit card. Below is a customer’s comment on the Avant website:
Avant made me feel like a valued customer and I feel empowered to chart my own path after receiving my loan through Avant. Many many thanks.
Mark W. On Avant website
Summerville, SC
Applying For The Avantcard Credit Card
In order to pass through the avant credit card pre approval process, you’ll need to have the following ready:
- Full name
- Address information
- Income information
- Social security number
As soon as you have the above information ready. Simply follow this link to see if you qualify for an AvantCard.
You can begin the application process proper as soon as you’ve been pre-qualified. You should receive your credit card by mail within 7 business days of been approved.
How To Activate Your AvantCard
You’re required to activate your card once you’ve received it by mail. To do this, either call the helpline on the slip that came with the card, or by visiting the Avantcard page online.
- To activate your Avantcard online, head over to the Avantcard activation page to get started.
- Next, enter your email address, the last 4 of your social security number, and the last 4 of your AvantCard in their respective fields.
- Finally, click on the “Activate Card” button to submit your request.
Avant Credit Card Login Guide
- Go to www.avant.com to get started.
- Next, locate and click on the “login” link to proceed.
- On the login page, enter your email and password in their respective fields, and click on the “sign in” button to log in to your account.
Ways To Make Avant Credit Card Payment
As an Avant credit cardholder, you’re required to pay off your minimum balance monthly to avoid default or risk being reported to the credit bureaus. Luckily, Avant has made repaying your loan as easy as it can get. There are several ways to make your Avant credit card payment such as Online, by phone, via mail, and using your debit card, or credit card.
You can pay your Avant credit card bill:
- Online: Log into your account to make your payment online.
- By Mail: Send your paper check, money order, or cashiers check to the following address: Avant, LLC, PO Box 9183380, Chicago, IL, 60691-3380.
- By Phone: Call the Avant customer service on 1-800-712-5407 to pay your credit card bill by phone.
Make Avant Credit Card Payment Online
Log in to your account at www.avant.com then navigate to the payments tab to add your payment details. Also, you can even automate your payments by enabling up the auto-pay option. By doing this, payments are automatically drawn from the account you’ve provided to make your monthly card payments provided you have sufficient funds.
If you’ve not yet enrolled for auto-pay, you can send an email to support@avant.com requesting to be enrolled for automatic payments.
Kindly be aware that Avant no longer accepts Visa credit card payments when making your credit card payment online. Although you can still pay using a credit card, maybe Mastercard or others, but your card issuer may regard making a loan payment from a credit card as a cash advance and thus, may impose a transaction fee.
Make Avant Credit Card Payment Over the Phone
You can make your credit card payment over the phone using your credit or debit card. However, Avant no longer accepts Visa credit cards starting from September 15, 2018. Paying with your credit card may also incur a processing fee so do ensure you check with your bank first.
- To pay using your credit card, call the Avant Customer Service team at 1-800-712-5407. Avant accepts payments from major debit card brands such as Discover and the likes.
- Call the Customer Support team at 1-800-712-5407 to make pay off your credit card bill using your debit card.
Pay Avant Credit Card Bill By Mail
you can mail your check or money order to the payment address below:
Avant, LLC
PO Box 9183380
Chicago, IL, 60691-3380
Details to include while sending your payment are:
- Your customer ID number
- Loan ID number
P.S Allow for 3 business days for payments to reflect on your account. While making overnight payments, it is advisable NOT to use UPS or FedEx rather, send your overnight payments via U.S. Mail.
If you’re not yet enrolled for an Avant credit card, you can do so now by following this link.
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Next Up: Discover Card Login – Log in to your Discover Credit Card account securely
Final Verdict
This credit card is only ideal for those looking to build their credit, and who otherwise cannot get approved for other credit cards with rewards and lower APR.
- Rewards
- APR rate
- Worldwide acceptance
- Credit limit
- Approval rate
- Credit score