Prosper Credit Card Login, Payments & Customer Service

The Prosper Credit Card login offers the opportunity to build your credit with no deposit required. In this article, we will provide you with this card’s useful information and guide you on how to log in, apply, make payments, contact customer service and manage your credit card account. Keep reading!

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About Prosper credit card

The Prosper card is issued by Coastal Community Bank, a member of the FDIC, under license from Mastercard International. The first peer-to-peer lending network in the US was established in 2005.

The Prosper credit card was created for consumers looking to establish credit but this card doesn’t require a security deposit. According to a Prosper representative, 80% of cardholders have a credit score below 660.

Unlike most cards aimed at this group, however, this card is an unsecured credit card so it does not require a security deposit. This makes this card an attractive option for anyone who wants the experience of a traditional credit card while building their credit.

The Prosper Card charges an annual fee, which can be a deal breaker if you’re trying to cut costs, although there is a way to get a break for the first year. The card does not offer rewards, nor is there another Prosper-issued card to graduate to.

Card benefits and perks

Checking your offer won’t affect your credit score: This is similar to how some credit card companies provide pre-approval tools. If you qualify, you will receive an estimate of the interest rate and line of credit amount.
No security deposit: Many credit cards require a security deposit and geared toward building credit are secured credit cards. This card is an unsecured credit card and does not require a security deposit
Using your credit card to make purchases, making credit card payments on time, and not having a balance can help you build your credit score. Prosper reports account activity to the three major credit bureaus (Experian, Equifax, and TransUnion).
You will be waived for the first year annual fee of $39 if you’re approved and registered for AutoPay before your first statement is issued.
Credit limit up to $3,000
Automatic credit line review: Your credit card account is automatically reviewed for the line of credit adjustments based on your payment history and eligibility.
No fees for ATM cash withdrawals but you may still be liable for ATM owner fees. Although there is no cash advance fee, Prosper card cash advances are also subject to an APR of 32.99%.

Drawbacks

$ 39 annual fee
No rewards
No Introductory APR Offer: In fact, the Prosper card cannot be used for balance transfers at all.

Prosper credit card login portal online

You can manage your account online, view your credit history, make a payment, sign up for autopay and more. Follow the below steps to get access easily and quickly:

Using any trustable browser to visit the official website at https://www.prosper.com/
Press the option in the right corner of your screen, the login page will display.
Enter your email or password instead
Click “Continue”

Also related to Prosper Loan

The Prosper card account login process on the mobile app

Prosper offers an app to make your management of your credit to become convenient even on the go:

Check your balance and available credit, and view or download monthly statements
Instantly view your digital card and start transacting online while you wait for your plastic card to arrive in the mail
View and search transaction activity.
Make payments and modify or cancel pending payments
Freeze or unfreeze your account to prevent new purchases or cash advances
Add your card to Apple Pay to make in-store purchases on eligible devices
Activate a new card or report a current card as lost, stolen or misplaced
Use the travel notification feature to ensure uninterrupted use of your card while traveling
Sign up to receive alerts on your account
Log in with FaceID/ TouchID

Download the app on App Store or Google Play

After installing, here are what should do to get access:

Open the app on your device (a smartphone or tablet )
Enter your Email and Password
Click “Continue”

The Prosper card account login process on the mobile app

Retrieve a forgotten Password

You can change or recover your card’s information by this instruction:

You can see the “Reset password” button on the login page
Choose it and fill in your Email
After that, click “Continue”

Note: An email about recovery of your password instruction will be sent to you so make sure that the email address linked to your Proser account

Register for new users

In order to use the card online, you must sign up first. There are various steps involved in the registration process, which is classified into various phases:

Visit the official website
On the option in the right corner, click on the Register Now option
Provide your credential like your email ID, your name and your SSN
After that, click “Continue” and follow the system instruction

Application process

Apply today to help you establish credit—and take control of your money easily:

Go to the application page
Provide your required details
After providing, click the “Apply” button

Ways to make payments

Choose one of the below options to pay your bills:

Online

You can pay your bills online anytime and anywhere by signing in to your account and following these steps:

Access your account and find “Make payments” option
Next, Type the amount, date and payment source
Review the details before clicking “Submit”

Via the app

It is also a good option when using the mobile app to do that. You just need to sign in and then select the account, then select the payment button

Via Phone

Call 1-800-903-4697 (Monday – Friday, 8 AM – 8 PM ET) and an automated system or bank representative will walk you to the process and enter your card details when prompted.

Via Mail

Send a check or money order, not cash payable to Prosper Card through this email:

Regular Mail

Prosper Card Services

P.O. Box 650078

Dallas, TX 75265-0078

(Send correspondence here)

Overnight Mail

Attn: Lockbox 650078

3000 Kellway Drive, STE 120

Carrollton, TX 75006

(Do not send correspondence)

Note: Remember to write your credit card number on the check and submit on time so it can arrive by the payment due date.

Customer service

Customer Service (after approved credit card offer)

Email: support@prospercards.com

Phone number: 800-903-4697

Hour:

Mon – Sun
8 AM – 10 PM (ET)
5 AM – 7 PM (PT)

Credit Card Application Support

Email: cards@prosper.com

Phone: 800-851-0630

Hour:

Mon – Fri
9 AM – 7 PM (ET)
6 AM – 4 PM (PT)

FAQs

The Prosper® Card is a type of credit card, yes. The Prosper® Card from Coastal Community Bank lets you make payments over time, works anywhere Mastercard is accepted, and reports to credit bureaus. But before you apply, there are a lot of things you need to know about the card.

The Prosper ® Card is accepted at any ATM where Mastercard is accepted. You won’t be charged a fee to use your card at an ATM, although third party fees might be involved.

Annual fee: $39
Cash advance fee: None
Foreign transaction fee:1% of the transaction amount
Late payment: up to $40 per late payment
Over the credit limit fee: None
Returned payment: None

If your credit score is below 600, you may not qualify for a loan through Prosper. The best way to find out if you are eligible to receive a personal loan through Prosper is to visit the personal loans page and apply.

If you are not eligible to receive a personal loan, you may consider adding a co-applicant. Adding a co-applicant could improve your chances of getting your personal loan application approved.

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