Avant Credit Card Login, Payment, Customer Service, and More

We can never undermine the importance of having an ample credit score. Having a good credit score doesn’t only help you get lower interest rates, but it also improves credit approval rates. In short, having a good credit score is one of the smartest financial aspects you can own for your financial independence.

However, people with average or fair credit scores have to suffer a bit when it comes to interest rates and credit benefits. Therefore, many financial services providers and fintech companies often offer solutions to such people so that they can rebuild their credit scores.

Avant is also a financial technology company offering credit cards to people with fair or average credit scores. The company was founded in 2012 by Paul Zhang, John Sun, and Albert Goldstein.

Avant provides financial solutions, credit cards, and loans to help you reach your goals and take control of your financial independence. In this article, we will talk about Avant credit cards and how you can get the card, get the loan, and enjoy other perks of this credit card.

So let’s get into it.

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What Is Avant Credit Card?

Avant Credit Card is an unsecured credit card, meaning it doesn’t need any security deposit to get the credit. The main purpose of Avant cards is to rebuild credit scores. Even if you have an average credit score, you are eligible to apply for this credit card.

The good thing about the credit card is the considerably lower annual fee as compared to many other fintech solution providers. Although there are no rewards on this credit card, it is still a great solution if you want to improve your credit score.

Highlights And Downlights Of Avant Credit Card

Let’s talk about the benefits of the Avant credit card or, more simply, the reasons why you should go after the Avant credit card. But it is also important to discuss things that might not be so good about the credit card:

So here are the Highlights and Downlights of the Avant credit card:

Highlights

Let’s start with the good one.

1.       A Great Way To Rebuild Credit

So when you get your credit card from Avant, it is an opportunity for you to rebuild your credit score consistently. Since the financial company provides a periodic review of your credit score and reports it to all three credit bureaus, you have a lot of room to improve. Therefore, if you are struggling due to an average credit score, Avant is indeed a good solution.

2.       Credit Score Check Without Any Hard Inquiry

Hard inquiry often lowers your credit score. But the perk of getting on the Avant credit card program is that you get regular updates about your current credit scores and that too without any hard inquiry. So, if you want to keep a watch on your credit score, improve it, and work for it, Avant can be a good option.

3.       Lower Annual Fee And No Hidden Fees

Although many people might think that $59 is a lot as an annual fee for the Avant card, it is a lower amount than other unsecured credit cards and financial solutions providers. Besides, there are no hidden costs or taxes added to the customers’ bills by Avant.

4.       Quick Approval

The application turnaround is quick, and you don’t have to make a security deposit as well. Therefore, the process of application review and acceptance is generally fast. Besides, the company has a high approval rate, so you don’t have to worry a lot about it.

5.       No Fee For Foreign Transactions

When you choose to pay a foreign bill or amount via your Avant credit card, there is no fee charged to your account by the company.

Downlights

1.       Cash Advance, But For A Price

As of now, the company does not offer cash advances as an additional feature within the annual fee charged. If you want to avail of the cash advance, you will have to pay an additional fee of $10 or 3% of the amount, whichever is greater. Besides, you cannot ask for cash advances higher than 25% of your credit limit.

2.       No Balance Transfer

You cannot transfer the balance of other debts to your AvantCard. It can be a rare case, but if you are looking for such a solution, AvantCard is not for it.

3.       Lower Credit Limit

The credit limits you get with AvantCard are very low compared to other similar solutions. The maximum you can get is $1000, meaning you will have to pay interest when taking more than $300. Why? Because whenever you use more than 30% of your credit limit, you are charged a higher interest rate and fee.

4.       Credit Line Extension For Limited Users

You can not get credit line extensions out of anywhere if you are an AvantCard user. Why?

The company has a periodic review of your credit scores and circumstances. Based on that, the company allows only eligible users to get credit line extensions upon application.

Do I Qualify for Avant Credit Card?

Avant will run a soft inquiry to check if you qualify for their credit card and loans. The final decision is based on your credit score and other factors.

However, the general criteria for qualifying for the credit card are as follows:

  1. Legal US residents with residence proof
  2. Your age is 18 or above
  3. You earn enough to cover the monthly payments and expenses.
  4. You must have a fair credit score of 640 or above

How To Apply For Avant Credit Card?

Applying for AvantCard is not a very difficult task. You can do it straight away from the official website.

Here is the step-by-step guide to applying for your card:

  1. Visit the official website of Avant here and tap on Credit Cards.
  2. You can tap on Check If You Qualify to get pre-approval from the company. If you have received a pre-approval offer from the company, tap on Redeem offers to proceed.
  3. In the pre-approval test, you will have to provide personal information like name, date of birth, SSN, phone number, etc. The company will run the soft inquiry through an automated system, and you can know if you are approved.
  4. Once approved, submit your application by filling out the application form and inputting the requested information.

How To Activate My Avant Credit Card?

Once you have received your AvantCard, you will need to activate the card to proceed with payment. Here is what you need to activate your card:

  1. Visit the official webpage for card activation here.
  2. Provide the information as asked in the input fields. Enter your email address, SSN, credit card number, etc.
  3.  After entering the information, tap on Activate to proceed.
  4. Once your card is activated, you can make payments with it.

There is another alternative to activate your card, and it is via phone call. You can call on the customer service hotline of Avant for card activation and follow the procedure to activate your card.

The hotline for card activation is as follows: 1-855-752-7011.

How To Register And Login For Avant Online Access?

You will need Avant online access to access your account, check your bills, and manage the dashboard. Here is how to log in for Avant online access:

  1. Go to the official website of Avant Credit Card and click on Login.
  2. Enter your username and password that you created during the account registration process.
  3. Tap on Login, and you will enter the account dashboard where you can manage your account easily.

How To Make Avant Credit Card Payment?

Here are different ways to make your AvantCard bill payment:

Online

  1. For online payment, log in to your AvantCard account.
  2. You must have your bank routing, account, and credit card numbers with you.
  3. Go to the Payment sections and enter the details asked. It will also require you to give your SSN and Zip code.
  4. Once entered the information, continue to complete the transaction.  

Mail

You can also make your Avantcard payment by sending the check or money order to the company’s mailing address. Check the due amount from your online account and write the check for that amount. Alternatively, you can purchase a money order for the due amount. It is the slowest method of payment. Therefore, ensure you send the check before the due date to avoid any late fees.  

Mail the check to the following address:

PO Box 1429 Carol Stream, IL 60132-1429.

By Phone

You can make your AvantCard payment via phone call. However, make sure that you have all information in your hand before you dial the number. The hotline for payment via phone is 800-952-6133. Once your call gets connected, follow the automatic instructions and prompts to proceed with the secured payment.

Customer Service Of Avant

Here are different ways you can contact Avant Customer Service for your queries and questions:

Phone

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 800-952-6133

Mail

Alternatively, you can send your credit card-related queries to the mailing address of Avant Financials LLC. You will use the same mailing address when trying to make an Avant card payment via mail.

Here is the mailing address of the company:

PO Box 1429 Carol Stream, IL 60132-1429.

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