Predatory lending app. Won't let me pay my monthly payment early, you have to call to change the settings, but can't ever get through. I can't make changes to my personal information in-app, you have to call in for that. I'm on a business trip and you guys have locked my card, and of course, there's nobody on your phones now. I wish I had never used this terrible company.
Cameron Trunzo
Suspended my account and could not explain nor find out why the account was suspended. On the phone every 3 days with an agent being told there was nothing that could be done and refusal to escalate the issue or put a real person on it. They forced me to wait for the automated system to email me which never did. Finally get a person to look at the account instead of the automated system 20ish days later and its fixed in hours. Thanks for prolonging my issue and causing me financial hardship.
Charli Barraza
Super shady, lots of issues with the company. App works fine, but wouldn't recommend dealing with this company. Many times I've suddenly been notified I'm delinquent on my account, despite having just made the automatic payment, sometimes for one cent. This month the payment got pulled from my primary account twice, two days apart, for the exact same amount.
Shaun Love
I don't recommend this card! No matter how much you pay, minimum payments will only go up not down. I haven't used this card in months now, yet my minimum payments keep increasing. I usually pay double or more the minimum payment, but it seems the more you pay the more the minimum goes up not down. If you call them, they will just keep transferring you to people who all say the same unhelpful things. I am just going to pay this one off & cut it up.
Sean Kaplan
Dirtbags! I first got the credit account, used the credit, paid the entire thing off the next month. They rewarded me being a good customer by lowering my credit limit by half. Also takes way over 10 days to have your payments applied to your accounts. They hold on to your money as long as they can. If you qualify for any of their bonuses, make sure you hound them the moment you qualify for it, otherwise they won't give it to you and requires hours of calls and emails to get your promised money
Kristian Wilson
Horrible. Tried signing into the mobile app and keep getting a message saying "failed to retrieve master line", whatever that means. Went to the website, tried logging in, same thing. This is absolutely rediculous. I wish I had seen the reviews on here before applying for this card. The app and website suck. Finally had to call customer service just to make a payment. At least the customer service rep I spoke with was extremely friendly. I guess I'll just have to start calling in my payments.
Jose R. Rodriguez
Poor service, the app is tricky, Do NOT Set auto pay for your payments, if you do, you won't be able to make one time payments (as they will all fail processing) and you will only be stuck making the automatic minimum monthly payment. You can't even change the autopayment amount. And if you want to change autopay settings you have to call them, and wait of course... I really wanted to like Upgrade but they are making it very hard to do so...I share so others know . Fix these sharky "glitches"!
Barbara Devich
Buyer beware! They say they "are here to help" but they play with your credit limit at their discretion. I have had zero late payments and everytime I send them a bigger than normal payment, they not only take weeks to apply it, but charge me interest on that time! I gave them a $1500 payment, after 2 weeks it was applied to my account! Then they "flagged" the payment suspicious activity and reduced my line of credit to what remaining balance was, I had zero credit available after paying $1500!
Teng Kue
BEWARE of this Card!!! It's really not a credit card like it says it supposed to. Similar to what everyone else says, it a loan and as soon as you use it, whatever balance you have in it starts accruing interest. Unlike a credit card, you get charged interest at the end of your cycle date. I would not recommend this credit card(loan card) to anyone unless you're really getting for solely a loan.
Sandy Ice
This app is great as long as you only want to see your activity. If you are hoping to be able to pay off your total balance, forget it! The app does NOT calculate in the interest due. And, not only does it NOT do that, you'll wind up paying three times...the balance you assume is the correct total balance, then the interest which is also not correct, then a penny! Yep, the interest is off by 1 penny. This is a fact related to me by a customer service rep after playing this game for two months.
