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

Oportun Financial is a US-based company that Gabriel Manjarrez and James Gutierrez founded in 2005. The company has its headquarters in San Carlos, California, and is currently working under the leadership of Raul Vazquez.

Though not as famous internationally, Oportun has a reputation in the US for its financial solutions and credit financing to consumers. Whether you want installment loans or a credit card for emergency needs, Oportun provides you with timely and practical solutions. The company has online and storefront lending services, which applicants with poor to no credit scores can also avail.

In today’s article, we will talk about the Oportun credit card, which has been famous for its moderate to low credit score bearers. Although Oportun has several other financial solutions to help people improve their financial health with AI technology, our main focus will be the company’s credit card.

We will walk you through the benefits and downsides of the Oportun card, the process for application, card activation, payment, and a lot more. So let’s get into it.

What Is Oportun Credit Card?

Oportun credit card is a financing solution of Oportun Financials for the people who remain unserved or underserved by the mainstream financial services providers. Whenever you go to apply for a loan or a credit card, the first thing you have to be sure about is a decent credit score to get approved. However, if you had a bad phase that affected your credit score or you have just started building your score, it shouldn’t be a reason to deprive you of financing solutions.

Oportun_Credit_Card

Therefore, the Oportun Visa card is a solution for people who need a financing solution without worrying about their credit score. Oportun has partnered with Web Bank to issue credit cards for its customers.

Features Of Oportun Visa Card

Here are the main features of the Oportun credit card:

Handsome Credit Line

When you are applying for a credit card, the first consideration is the expected line of credit you will get. So the good news for prospective Oportun credit card holders is that the card allows you a generous credit limit of up to $1000. It should be enough to finance your emergency expenses without breaking your bank account. And you can pay back the amount on your terms easily.

Worldwide Acceptance

Oportun issues a Visa credit card, and the Visa label adds worldwide acceptance to your credit card. You can go shopping with your Visa card anywhere in the world without worrying about carrying cash in your wallet.

Use Your Card In Your Own Way

Unlike closed-loop cards, there is no restriction on where you can use your Oportun credit card. Whether you want to use it for grocery or gas bills, vacations or new clothes, it is your choice. Therefore, Oportun gives you 100% freedom on how you can use your card.

Online Account Management

You won’t have to call the bank or visit during office hours to get information about your account or bills. The online account management of Oportun credit card allows you to check your credit card details, transaction history, billing, and all other information via online access 24/7.

Zero Fraud Liability

The Visa credit card also comes with zero fraud liability which means that you won’t be held liable if your credit card gets stolen or used by any unauthorized person. You must inform the company about your card as soon as you know you have lost it. The company won’t charge you for any buck you haven’t spent with your Oportun credit card.

Benefits Of Oportun Credit Card

  • A credit financing solution for unserved people
  • You can check if you pre-qualify for the card before beginning the application
  • Generous credit limit of up to $12000
  • A+ rating Better Business Bureau
  • People with previous bankruptcy can also apply for the card

Downsides Of Oportun Credit Card

  • A higher APR is applicable
  • Poor credit history doesn’t award you with a higher credit limit
  • Not much information about the fees and charges of the credit card

How To Qualify For Oportun Card?

From the details we have shared till now, you must know that credit card is especially for people who remain unserved by mainstream financial services providers. However, you still need to fulfill the qualification requirements to get approved for your credit card.

So here are the qualification criteria for an Oportun credit card:

  • You must be a permanent resident or citizen o the United States
  • You must have proof of your identity like a driver’s license, US passport, Matricula Consular, etc
  • You must have proof of your income like Social Security income statements, Form 1099, Form W2, etc
  • You must have proof of your address like cable bills, utility bills, etc
  • You must have a credit score of 650 or above; if you don’t have a credit score, you won’t need to fulfill this requirement

How To Apply For Oportun Credit Card?

Here is the step-by-step guide on how to apply for your Oportun credit card:

  1. You must apply for pre-qualification of your credit card from the website.
  2. Once you have received the offer code, start the application. You can also choose to Start without an offer code.
  3. Fill in the empty fields with the required information on the first page. You will need to provide your full name, address, date of birth, email address, identification details, contact information,  SSN, etc.
  4. Once you have reviewed and filled in the information, click on Continue.
  5. Confirm and agree to the terms and conditions of the Oportun Financials and click on Submit.
  6. Verify your information, and upload the identification documents like a US driver’s license, utility bill, w2, etc., and Complete the application.

Register For Card Management

You can manage your credit card and bills with the online account management option given by Oportun. However, you will need to register for an online account.

Here is the step-by-step guide to registering for online account management:

  1. Visit the official website of Oportun here.
  2. Click on Activate button, and you will be redirected to the registration page.
  3. Follow the on-screen prompts and provide the details required to complete the registration.
  4. Create your username and password for future logins.
  5. Verify the information and complete the process.

Activate Your Oportun Visa Card

Online

Once you have received your credit card from Oportun, here is how to activate your credit card online:

  1. Visit the official webpage of Oportun credit card here.
  2. Scroll down the page and click on Activate your card. 
  3. It will redirect you to the new page; you will register for online access to the Oportun account.
  4. Once registered and logged in, go to the Card Activation menu from the main menu.
  5. Follow the on-screen prompts and activate your credit card.

Via Phone

You can also choose to activate your Oportun credit card via phone call. The phone number for card activation is 833-676-7886.

How To Pay Oportun Card Bill?

There are several options for you when you are wondering how to pay your Oportun credit card bill. So we will discuss each of them.

Cash

If you want to pay your Oportun credit card by cash, simply visit the nearest MoneyGram payment station inside CVS or Walmart Store. You can pay your Oportun Visa bill by using the receiver code 18801. You can also take further instructions from there about paying your bill in cash.

Online

The more convenient method to pay your bill is using an online account. All you have to do is log in to your Oportun account using the password and username you created during the registration process. Go to the payments from the main menu and pay your credit card bill. You can also schedule the payments or set up automatic payments from your online account. 

Via Phone

If you wish to pay your bill over the phone, Oportun has the option available for its users. You will call on the following number to proceed with the online payment:

833-676-7886

When you are on the call, you will have to verify the details and choice of payment method. The next step is to provide the banking and payment details to proceed with the payment successfully.

AutoPay

You will need to provide a savings or checking account for automatic payments. Fortunately, you have the option of Autopay, also available with the Oportun credit card. You can set up the automatic payments from your Oportun online account and you won’t miss any due dates.

Over Mail

Finally, you can also pay your credit card bill via the mailing address of the credit card company. The payment instruments accepted for credit card bill payments are checks and money orders. The mailing address of the Oportun is as follows:

Oportun
PO Box 561240
The Colony, TX 75056

Customer Service Of Oportun Card

Phone

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support:  833-676-7886

Mail

Alternatively, you can send your credit card-related queries to the mailing address of Oportun Financials given below: Oportun
PO Box 561240
The Colony, TX 75056

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