BrightWay Reviews

This has been the absolute worst experience. I was accepted for a card and waited on it. A while had past and still no card, but I still had the annual fee waiting for me. I called and told them. They said another would be sent. Several weeks later, still no card. Meanwhile, I still needed to pay the annual fee. Their app is useless. When you call the main line, it is impossible to get ahold of someone. They have promised another card... We will see if it gets here. I have never had a problem with items being delivered to me.

At first no issues. Payments made ahead due date. The company hit me up with another August payment. Called customer service person. Talked circles. When asked where person located response was "off shore ". When asked where company located first it was Massachusetts then it was Indiana. When I told the person I planned on contacting BBB they wanted to close my account. I have proof I paid all my payments and I was more or less forced into paying another August payment. My advice don't take the Brightway Card. They scam you. I will be sending same complaint to BBB.

Do not get this card if you have it close it down. It's not good. Take forever for the credit to be available like 10 days. Predatory credit card.

Horrible customer experience. No live agents. They did not process my payment then locked my account. Upon trying to resolve via email, again no comprehension of the situation. Everything is automated and unprofessional.

Don't get this card! I called to have them turn my autopay off and they refused. They said, "You have to do that yourself." I said, "I am calling you because I can't access my card online and I am the customer." They said, "Even if you close your card you will still get charged for autopay." What kind of scam is this? Any other card I have said, sure no problem. What kind of company says, "No we cannot turn off your autopay." Then fix this site so I can do it.

Absolutely horrible experience with this company. I moved and tried to change my address by calling them. I got a hold of someone eventually. It took several minutes. The person I talked to that I could barely understand said they were unable to change my address and I would have to call back and talk to the verification department. I called back and again got a hold of someone I could barely understand who also said they couldn't help me change my address. They did however at least transfer me to the verification department. The verification department was also unable to change my address. They said I would have to go onto a website and upload my ID, phone bill, and utility bill.

I changed my phone number on their app site and Brightway put a block on my account. To unblock they required the front/back of my driver license and copy of my phone bill. I sent photos of both via email. Two days letter, they want something else showing my address. I sent a letter head from the Veterans Administration. Two more days later (today) they want a copy of a utility bill. Enough, of this, I called to close this account.

Card is good for increases, however if you need customer service good luck. Half don't understand, a supervisor is never available. Good card, horrible service

Worst mistake I have made in awhile. I joined Brightway Credit card a few years ago to help establish better credit and made every payment on time and it was working. Got it up to almost 700 and figured with other things I had I did not need it anymore. So I closed the account in December of 25 and they owed me like $1.64 and was told I'd get a check in the mail. In May of 2026 I started getting text and emails I was late on my payment for an account that was closed? I had to call Brightway over ten times to be told every time it was taken care of only to get more reminders I was late on my payment. Finally on the tenth attempt they stopped. Today I went to buy a investment property and found out my credit took a hit of 50 points due to late payments to Brightway and One Main. Now this house will probably sell before this can be sorted out and all because of this gross incompetence.

Currently seeking guidance to file complaints at the executive compliance level at OneMain and with the Consumer Financial Credit Protection Bureau due to submitting payments via the app, showing as posted, then returned on the same day. A call with a representative indicated several customers having issues with the app and recommending making the payments via phone. However, changing the amount of payment via the app also caused a returned payment the same day two more times. This has now been reported to my credit, as non payment, drastically impacting my score. I submitted a new payment, each time a higher amount to cover the fees.

I see the complaints but so far, I'm very satisfied with the service. Waiting to see what kind of increase I will receive once I pay my 6th payment.

Unable to log into my credit card account. Over one hour on phone, it's like talking to a wall

Garbage card, garbage company! Not worth it. If you want stress and anxiety in your life, then go ahead and get it. There are other companies out there that are much better than them, And you would do better to stay away from the BrightWay card.

I am extremely disappointed with the service provided by OneMain Financial and BrightWay. I applied for a credit card and received an official denial stating that I was not approved. Based on this, I understood that no account or product had been opened in my name. However, I later began receiving SMS notifications about a “BrightWay card payment due” and other account-related alerts that I was never informed about. It also appears that a customer account was created without my clear knowledge, even though I never received or activated any physical card. If it were not for these messages, I would have had no idea that there was supposedly an active account or any financial obligation, including a potential annual fee.

Rarely use this card but declines often even with plenty available balance.

I see the complaints , but I have not had a single issue. Approaching my 4th milestone in a couple months. Got invitation for card 2024. $500. Made all payments. 6 months another $250. To $750 limit. 2nd milestone $200 increase to $950. 3rd milestone $500 increase. To $1450 limit. Waiting on last milestone. Set up automatic payments and there won't be issues ever. Don’t max it out. Most transparent credit card ever.

One main BrightWay credit card is a scam. I was approved for $1500 in October 2025. I didn’t use my card much but I went out of state which is only 29 miles from my house to pay an electric bill at my other house. BrightWay put a fraud alert on the card and sent me an email saying I needed to verify my account with two government issued IDs so I emailed back my drivers license and Social Security card and they said they couldn’t verify it. Why not. It’s a state of Georgia drivers license and it’s a government issued Social Security card that I received when I was born then they said they were closing my account. I never missed a payment. I was always on time. I even paid a few days before my payment was due. They closed my account.

I have had this card three weeks and it already is the worst card I have ever owned. I made a payment that was double the required amount because for a reason I have no answer for, my first initial payment didn't go through and was returned. So instead of $115, I paid $300. Now I only have a $500 balance mind you. My payment shows under transactions as paid, my STATEMENT shows available credit as it should be, but I cannot use my card because it is showing a negative balance on my app which they say will take TWO WEEKS to clear. WHAT?!? Soooo, you get your money for my balance but I don't get to use my card?!? Not to mention, the app has the same message at the top of my screen stating my card should have been delivered by whatever date....I have already activated, used and made a payment on such card....REMOVE the annoying message at the top!

This is the worse credit card you can acquire. DO NOT APPLY FOR A ACCOUNT WITH ONE MAIN FINANCIAL. I paid my card off and closed my account. I was told that I still had a balance remaining of 30 cents. They added three late payments to my credit report and added late fees as if the account was still open… I finally got on the phone with. Supervisor named John and he stated that my account was closed in September but I had a 30 cents balance and that was the reason for the late charges. THEY ARE RIDICULOUS… TERRIBLE!!!… DO NOT DO IT!!!

I have had this card for over a year without issues. Recently, every time I try to use it the card declines for 'suspicious activity'... No fraud alerts are on my account. I call customer service and that was the most disgusting customer experience I have ever gone through. Absolutely NO SOLUTIONS were offered to me and NO ANSWERS!... My credit limit is not exceeded, my payments are made early, no one deserves this. I genuinely HATE this card.

Horrible customer service!!!!! Can't get on app or webpage for 7 months.. Keep getting runaround. Make payments on time and they tell me to check app/web for offers to accept and can't get on.. Phone help for 51 min and still nothing. They tell me to wait for 72 working hours and try to sign up again has not worked 3 times!!! Pathetic!!!! Something needs to be done.

I’ve personally held this card now for 19 months, starting with a modest $500 credit line. Over that time, I’ve received two $100 credit line increases and most recently a $50 increase—which frankly caught me off guard. By comparison, my primary card with Prosper opened at $700, then increased by $900 after six months, followed by another $900 just 90 days later, bringing that line to $2,500. What’s puzzling is the disparity. I’ve never missed a payment, consistently pay well above the minimum, and maintain a credit score in the lower 700's. It’s not perfect, but it’s solid, showing responsibility to repay my debts—and certainly not indicative of such a conservative adjustment. This isn’t a bad card by any stretch, but a sub-$1,000 limit is operationally impractical for how I actually use credit.

I’ve been waiting since November 3, 2025 for a card to arrive. It has been 13 days since it was sent out a second time and still no card as of November 29th. Trying to get a hold of a representative is frustrating and difficult. You shouldn’t have to go through so many prompts. I was really looking forward to this card because it had potential and the rewards.

Brightway Credit Card is a FRAUD!! How is it that I have a credit card limit of $500 but the card DECLINES? Your customer service reps are uneducated and ignorant! Please note that this will be reported to the Better Business Bureau!!! Your supervisors are being taught to lie to the consumers!!! I would never recommend your services to anyone!!!

I have about 4 credit cards and this is the worse! Their rewards suck! I have had them for a year now and the first 6 months they gave me a $50 increase. The lowest increase I have ever seen. The next 6 months I got a .5% APR decrease! There is no incentive to have this card.

By far the worst credit card I ever had. I notified them about my travels. When I finally got to the place they flagged my transaction and said it was irreversible. My kids and I had to sleep in the car because I was counting on this card. Please do yourself a favor and do not get this card. Good thing I had money for gas because I couldn't even use it for gas. This card is useless. The customer service one of the worst I ever seen.

Zero. This is a fraudulent credit card company. They took my annual fee and the card never worked. I canceled the card. They falsely promised to refund my fee and no refund ever materialized. Avoid this company at all costs, they are crooks.

Paid entire card balance in full one week ago. Still shows $0 available balance. For customer service there is no phone number or live chat. You can only send an e-mail. Over 24 hours and still no reply.

I would give them zero stars if I could. Customer Service reads from a script and it’s like they have no mind to think on their own. I made a payment four days ago, it has cleared my bank and posted to the account, yet a supposed supervisor (after verifying, she can see that the funds were released by my bank) told me they will be holding it for 10 more days in case I decide to put a stop payment on it. How ridiculous!! Did this lady just call me a potential thief? I’ve had the card for a year and a half and never once stopped a payment lol what a ridiculous assumption. I’ve never even been 30 days, so to assume your customers are thieves says you likely have some very shady characters working at your company. Run as far away as you can from this card.

Unsatisfactory and Discriminatory Experience with BrightWay One Main Financial Customer Service. I’m writing to share a disappointing experience I had when attempting to change my address on my BrightWay One Main Financial credit card account. I contacted customer service and spoke with two supervisors, Darrell (employee #**) and John (employee #**), to update my address. After providing the new address, Darrell told me I needed to send an email instead. When I requested to speak with another supervisor—since the app indicated a simple phone call should suffice—Darrell told me any other supervisor would say the same. He then transferred the call to John.

Horrible card... every transaction gets declined as high risk... still haven't been able use the card. Customer service is no help. Even after verifying I'm making the purchase they say there's nothing they can do...

This is how Brightway is doing. I have auto pay, and they have my account block, so they can get late fees. I pay them two hundred dollars. The first time they took four hundred, and now I have a block! They want my bank statement to see what's in my account in order to remove block. They are getting late fees like crazy. I'm trying to paid them off, but can't with the block.

I started out with a 500 credit limit and was increased to 1000. So I'm excited to see what will be my next increase. Haven't had any issues with this card. Knock on wood. So I would recommend this card to anyone who is trying to rebuild their credit.

A transaction that I was trying to make on Airbnb was decline and flagged as fraud. Even though I confirmed it was me that was trying to make this purchase through a reputable site (Airbnb) customer service and supervisor stated that I could not make any purchases on that site. I am furious. There is no reason why I shouldn’t be able to make any purchase that I want to make for my family’s vacation!!!

I received over 20 texts and emails this past week reminding me that my payment was coming due. The payment was scheduled in their app a week previously. After all of the harassment, I tried to log into the app and move the date of payment up. The app will not allow me to login any longer. It will also not send a password reset link. I called Customer Service, spent half an hour on the phone with someone who continued to blame me and my devices for the fact that I could not access their app. I was told to try another device. I tried four devices. I deleted the app. Waited an hour reinstalled the app and still was unable to login. I called customer service again. Only to spend 45 minutes on the phone being blamed for my devices and the fact that I could not login, the fact that I could not login on their website, which provides a message saying that online login is not available, please use their app.

Brightest card is the worst card ever!!!! They will give you a late fee because there is no grace period even hours after the due date. It is unfair to the customer in every way. I do not recommend this card to anyone. Be aware this card will take all your money and it doesn’t matter what you may be going through in your life!!!! Hate you Bright Way!!!!

This credit company sucks, I made a payment 2 days ahead of schedule on a weekday and they charged me a late fee and held my funds for 7 days because their system takes too long to process payments and they also then put fraud alerts on your card not once but twice in one day while using your card in the same area code as home and the customer service reps have no clue on how to resolve any of the issues (which they are causing), that you're calling them about and they just keep you on hold until l you get tired of being on the phone.

This company is the worst when it comes to disputes. I had a charge to my account in which the merchant agreed that it should be reversed but because I put in the dispute with the card company first - the merchant could not reverse the charge. It is taking this company 90 days to resolve this, with a letter from the merchant. I work in finance and have never seen this type of delay and pushback from assisting YOUR customer.

I am at my six month in and should be receiving my incentive now after I just made my six payment yesterday. It alerted me this morning that I will be able to choose my incentive before my next billing cycle. I have had no issues with this card yet. I started off with a credit limit of $750. From what I have read, my choices for my milestone graduation will be either lower APR or higher credit limit. Haven’t decided yet, because then I get to choose again in another 6 months yet again! I do know they won’t let you get lower than 19.99 for an APR, so do keep that in mind.

I am a Brightway customer. I have NOT had the negative experiences that everyone is posting about. I am at month 6 of on time payments and should receive some incentive. I have not gotten it yet however I will update about it once I do.... What I will say is that the card payment processing has been straightforward. The credit limit is low. At least they do offer an incentive (I have been with Capital One for years and they have never offered me anything... Just saying). I hope that everyone who is trying to maintain their credit finds their way. It can be tricky out here.