Revvi Credit Card (2023): Application Process, Reviews& Rates

If you’re trying to establish credit or need to repair credit that has already been damaged, you might want to consider applying for the Revvi Visa credit card.

Table of Contents

The Revvi credit card might be an intelligent decision for people with fair or poor credit. It’s important to remember that this credit card has both significant advantages and disadvantages, just like other credit cards.

This guide will describe the intended users of the Revvi Visa credit card, the credit card’s fee schedule, and the application process.

revvi credit card | what is revvi credit card

The Revvi credit card, which is essentially an unsecured card, provides users with access to credit as well as a standard rewards point system. Additionally, account holders are not required to put down a refundable security deposit in order to use the card because it is not secured.

The Revvi credit card, also known as the Revvi Visa credit card, is primarily intended for people with poor credit who want to repair their credit or establish a credit history. This is due to the fact that the Revvi Visa does not require a high credit score to be eligible.

It’s important to note that not everyone should use the Revvi Visa card.

The Revvi card has a lot of fees and only a $300 credit limit. As a result, if you’re looking for a credit card that you can use for large purchases, it’s not a great fit. In fact, it isn’t even the most affordable credit-building card currently on the market.

How does Revvi credit card work?

As a result, in order to activate the account, users are not required to make a refundable security deposit. They will instead receive a $300 initial unsecured credit limit, which is the minimum and typical for all new accounts.

This is comparable to the secured Capital One Mastercard, but to activate the Capital One card, $300 must first be loaded onto the card.

Overall, the Revvi credit card is not significantly different from its rivals. Additionally, cardholders in good standing can apply for a higher credit limit once 12 months or more have passed since the card’s activation date, just like with all other standard credit cards.

Eligibility requirement for Revvi credit cards?

Credit approval is a requirement for applications.

Although they will consider your entire application, we advise having a credit score of at least 540 to increase your chances of being accepted.

Age of majority in your state or territory is 18 years old (or the equivalent).

Be prepared to offer a mailing address that isn’t a PO Box.

CONS AND PROS OF THE REVVI CREDIT CARD

PROS

(After six months of good standing) 1% cash back
Security against identity theft.
takes into account candidates with fair credit.
On their purchases, cardholders can earn rewards.
Revvi Credit Card sends reports to several credit bureaus.

CONS

An unbelievable, mind-blowing APR of 34.99%
initiation fee of $89
First-year $75 annual fee, then recurring $48 annual fee
If you don’t use this card frequently enough, the fees and rewards may not be enough to cover the costs.
No welcome bonus

What is the Revvi card’s annually APR?

An annual percentage rate for the Revvi credit card is 34.99%.

This is undoubtedly one of the most significant drawbacks of the card and keeps many potential applicants from applying. There is a group of customers who reject the Revvi Mastercard based only on the APR.

Knowing that the typical American credit card has an APR of 18.3% can help you understand how high and unusual a 34.99% APR is. You should definitely take into account that Revvi charges its users almost twice as much as the typical credit card.

Instead of taking advantage of the card’s unsecured feature, which is unquestionably appealing, cardholders may choose rival cards that demand a deposit but offer a significantly lower APR. Your confidence and capacity to pay off your credit card in full each month will determine your personal preference in this matter.

A cardholder should always take into account which card will result in the greatest financial savings.

revvi credit card login | revvi credit card login payment | revvi credit card payment login | revvi credit card log in

You must go to the official Revvi website and take the following actions if you want to do it on your computer:

Step 1: Open a browser

Start your preferred web browser and then open a new tab. We advise using a trustworthy internet browser, such as Chrome for Windows or Safari for Apple devices, to protect the security of your account and any financial transactions.

Step 2: Go to the Revvi Credit Card page.

Visit https://www.myccpay.com/ to get to the Revvi Credit Card page.

Step 3: Enter your password and user ID.

After that, select “Log in” to access your Revvi Credit Card online account.

revvi credit card reviews | revvi credit card review

The intended users, the fee schedule, and the application process for the Revvi Visa credit card will all be covered in this article.

revvi visa unsecured credit card for people with bad credit who need to borrow money for emergency situations but still want to earn rewards. Cardholders receive 1% cash back on all purchases after paying the card’s bill, and the card has no security deposit requirements and a $300 minimum credit limit.

However, there are much more affordable options if establishing or repairing credit is your top priority. With a one-time “Program Fee” of $89, annual fees of $75 the first year, $48 the following, and monthly fees of $6.25 beginning the second year an account is open, the Revvi Card is very pricey. The card’s 34.99% annual percentage rate means that any revvi card balance ou carry from month to month will quickly accrue interest fees as well.

revvi credit card limit | revvi credit card credit limit

Every new account holder will initially have a standard $300 credit limit, which is subject to revolving increases based on good account health and a track record of timely payments. As early as 12 months after an account is opened, Revvi reviews it for a credit limit.

The Capital One Secured Mastercard and the Revvi card are similar in many ways, with Capital One being a secured card instead. Before using it, users need to deposit $300.

How to apply revvi credit card

The online application form provided by Revvi makes it quick and easy to apply for a credit card.

Step 1: Visit https://www.revvi.com/ directly to access the Revvi Credit Card application.

Step 2: Add your information to the blank.

Step 3: To complete, click the “Apply now” button. Your request for a credit card was consequently granted.

Most Revvi Visa card requests will receive a response in a matter of minutes. Revvi will occasionally require more details in order to process your application. In that case, you will receive instructions in an email or a letter stating that your application is pending.

After your application is accepted, you must pay the $89 activation fee for Revvi. This cost can be paid in full up front or spread out over three months in monthly installments.

It’s important to understand that until your activation fee has been paid in full, your new Revvi Visa card won’t be activated and sent to you.

revvi credit card payment

You have several options for paying with a Revvi Card: online, over the phone, via the MRV Banks mobile app, or by mail. Log into your online account and look for the payment button to pay a Revvi Card bill.

Online Revvi Card Payment Methods: Enter your online account credentials to access the payment button.

Using a phone: To make a credit card payment, dial 1 (800) 755-9203, enter your card information when prompted, and then follow the on-screen directions.

Using a mobile app: Select your card after signing into your account and tapping “Make a Payment.”

via mail Don’t send cash; instead, send checks or money orders to

Sioux Falls, South Dakota, 57118-5800 REVVI PO Box 85800

revvi credit card customer service | revvi credit card phone number

revvi customer service can be reached at:

800.755.9203

Toll-free number 858-428-1914

Send correspondence to REVVI PO Box 85800 Sioux Falls, South Dakota 57118-5800.

revvi credit card app

You must follow the instructions given below in order to download the Revvi Credit Card mobile app and log in to your Revvi Credit Card online account:

Step 1: Get the Revvi app from the Google Play store and the Appstore.

Step 2: Open the Revvi credit card app and select “sign in”.

revvi credit card activation

Step 1: Go to https://www.revvi.com/ to the official Revvi website.

The link labelled “ACTIVATE YOUR CARD” can be found by clicking on it.

Step 2: You must enter the following information on the directed page’s activation form: your date of birth, your application ID, and your email address.

Step 3: After finishing the form, click “SUBMIT”. As a result, your credit card has been successfully activated.

pay revvi credit card

Direct payments are supported by the app. To make the payments, you must adhere to these guidelines.

To access the app, use your Revvi credit card.
Choose the tab that you’ll use to refund the installment.
Add the amount that will be subtracted.
Use the associated bank account or credit/debit card.
Take the money out, then make your installment payment.

To make a payment, you can also call 800.755.9203.

How do I earn rewards on my Revvi credit card?

By making purchases with your Revvi, you can earn rewards. After that, these awards are given more points. For every dollar deposited into your account, you will receive one point, or one percent of your Revvi Rewards. You can use statement credits to get cash back. No rewards are given when you pay the programme fee, receive merchant credits, or have refunds credited to your account.

revvi credit card credit score needed

The issuer might anticipate applicants with problematic credit histories based on the FICO score recommendation. For a better chance of approval, a FICO credit score of 469 is advised, but it’s not necessary. When making decisions regarding approval, this issuer may also take into account a number of additional factors.

Even though your FICO score is typically a very important factor, you might want to take into account other aspects that could influence the decision to approve. A credit decision may be influenced, for instance, by your debt-to-income ratio, recent credit inquiries, 30-day or longer delinquencies, or current credit accounts that are getting close to their credit limit.

revvi credit card limit increase

The quickest way to increase the credit limit on your Revvi Card is to submit a request online or through the iOS or Android mobile app. You can also do this by calling customer service at (800) 845-4804 instead. But it’s important to remember that any increase in credit limit is subject to a 20% fee.

After a year from the account’s opening, Revvi cardholders are eligible to request an increase in their credit limit. Pay your bills on time, pay down any debt that is still owing, and update your income information on Revvi to improve your chances of getting approved for a higher credit limit. If the revised income demonstrates your ability to pay a higher limit, Revvi will be more likely to raise your credit limit.

How to Increase the Credit Limit on a Revvi Card Online

Access your online account or the iOS or Android mobile app.
In the top right corner of your screen, click the menu icon.
Make your selection from the drop-down menu for “Credit Limit Increase.”
After providing your income information, click “Continue.”
Verify your entry, then click “Submit” to finish the request.

If your request to increase your Revvi Card credit limit is granted, the new limit will take effect right away.

is revvi credit card legit

The fact that this card is unsecured is its most alluring feature. That merely means that no deposit is necessary.

Unsecured credit cards typically serve consumers with fair to good credit, not the other way around. In this regard, the Revvi credit card is undoubtedly distinctive.

The Revvi credit card was a success with this tactic because it specifically targeted users with below-average credit.

Read More: –“tires plus credit card“

FAQS

Is there a fee to activate the Revvi credit card?

When a new user activates their Revvi card, they are charged an initial activation fee of $89.00.

Is there an annual fee for the Revvi credit card?

The annual fee for the Revvi credit card is front-loaded on the first year. The website states that users will pay $75.00 the first year and $48.00 each following year.

In what ways can I cancel my Revvi Card?

Dial (800) 755-9203 to speak with customer service about cancelling your Revvi Card.

Can I make cash withdrawals using Revvi credit cards?

Using a Revvi credit card to request a cash advance is possible. Before using a PIN at an ATM, you must request one from customer service. Additionally, doing so entails paying a cash advance fee of $10 or 3% of the transaction amount, whichever is higher.

Is a monthly fee required to use the Revvi credit card?

Users will receive a grace period during which they won’t be charged any monthly fees for the first year. However, users will start paying a monthly fee of $6.25 as year two gets underway.

How can I improve the credit limit on my Revvi card?

If you want to ask for a higher credit limit, you must submit your income documentation for evaluation. Note: Possessing a good payment record raises your likelihood of obtaining approval for a higher credit limit in the future.

I have a Revvi credit card; how do I get a PIN?

To get a PIN for your account, call (888) 891-2435.

Card. Just make sure your card is prepared before placing the call because the automated service will ask for it. After entering the required data, you will be prompted to create your own PIN.