The app is great. The company themselves, well the interest is very high. After paying on time for over 24 months, not only did my interest not go down, it actually went up! I'm working on paying this thing off early so that they get as little money as possible. I do not recommend this company. If you need credit, check you financial institution first.
The new design isn't working well. Transactions are WAY more important than payments yet payments are the main screen. The balance and available credit aren't accurate. You have the click on the balance for it to update to the current amount. NOT HAPPY AT ALL. This design makes no sense. I'm worried about fraud. I'm pretty sure who is making payments.
I'm canceling this account. It was a stepping stone to better credit. This is the iPhone of credit cards. Any changes, you have to call in. You have zero flexibility on the app. Basically, it's a trap for people with challenged credit, but if you use it properly, better opportunities will come across. I now have cards with much higher limits, no annual or monthly fees, and control of my account with their apps. I rates it 2-stars out of kindness because I did use it to attract other offers.
The card and account were great up until a week ago. No annual fee will now go to 8.99 a month for no reason other than wanting to make extra money. I use the card, sometimes I keep a balance, other months it's paid to -0-. I've never been late with any payments, and it's always at least a week before. No worries. I'll be closing the account before I pay a monthly or annual fee. The credit limit decrease will drop my score a few points, but I'll make that up with an increase to my Chase card.
I've had their card for about a year now. Zero annual fee, ok APR, until a recent email I received. The terms of use have changed. APR bumping up to 36% and an annual fee now of, get this, $107.88! billed monthy at $8.99. This is insane, I've NEVER been late on a payment, and actually pay it off in full every month. I called to complain, they referred me to send an email. They're answer was basically It is what it is, out of their hands. Guess this account is getting closed, bait and switch.
after over a year of making payments on time or early and much more than the minimum amount due, these money grubbers changed the terms on my account by adding a few of $8.99 PER MONTH, in addition to their exorbitant interest rate! Needless to say, I am cancelling the card and closing the account and will pay it off on my next payday! let's see how many other customers they lose over this abuse of power! Good bye and Good riddance!
Great! if you're just starting out but beyond the first year, it's more of a burden. you get charged $5 a month whether you use the card or not in addition to the annual fee. there is no credit limit increases. customer service is all foreign and hard to understand. you have to provide a reason you want to request a waiver and wait 2 days for it to possibly be approved. you have to jump through hoops to verify anything for any changes. after the first year it does absolutely nothing for you
Horrible credit card. This company has the highest interest rate I have ever seen. Besides that, they have no app, no support except a FAQs section. if you have a dispute, you have to write to them and mail your letter to their hq. I find it hard to believe that a company that charges so many hidden fees, and an overwhelming interest rate cannot get on fiver and have an app built. I would definitely look at other cc's before signing onto these guys.
This is the Worst credit card I've ever had. Last month I made a payment on the due date at 5:30 PM they notified me it was a late payment and charged me a late fee. Their customer service is a joke. They're in India, they have a very difficult time speaking or understanding English. If you have an issue, good luck. I've cancelled this card.
I was Pre Approved for a card with a certain credit limit, after applying i was approved but with a lesser limit(the minimum). At that time, I spoke with someone saying that I was DECLINING THE APPROVAL, at which point I thought this was over. BUT NO! They still opened an account, with a hard inquiry, and after 3 calls, finally closed my account, only problem is that I now have a NEW Hard Inquiry + Young Account + Closed Account on my credit report that I have been working on.
