Excellent, Excellent, Excellent
I truly enjoy the services, easily accessible through application, haven’t tried the bill pay yet but I’m sure it’s seamless. If you have no need to walk into a banking institution then upgrade is a perfect banking alternative and offers a wide variety of financial and credit services. Savings account has a very competitive interest rate and I earn rewards on my primary checking , and upgrade one accounts on purchases. Haven’t had the need to utilize my credit line on the upgrade one account or spreading any purchases over extended periods but definitely do not foresee any issues. I was impressed by the ease of starting my accounts as well as the account security in sound so. Only thing I wish they would add is the ability to lock and unlock my debit / credit cards. I travel for work constantly and if I were to leave my wallet and card behind in my hotel, the option to lock my cards so I could have the piece of mind that my cards were secure.
Show less
Worst banking services EVER!
If you really value your money and time, please read this review. For the past 10 years, I’ve never really review anything on Appstore but this banking app literally so terrible that I have to write a review for it. I opened the account on May 28th, deposit a six figures amount into this App. It was smooth and everything UNTIL, I got the card and couldn’t use it at all. Of course I called the customer service, they told me to email them the phone bill which I did. The agent said it still cannot be verified and I have to wait 2 WEEKS for them to contact me back. 2 weeks past, they sent email on a Friday to verify more things. After confirm everything, I literally have to wait UNTIL Monday for their department to back to work to UNLOCK my account. With that almost 3 weeks time, I could have done SO MANY THINGS with my money. This is a joke. Literally not worth your time at all.
Show less
I highly would not recommend upgrade!
I cannot recommend Upgrade. I've been a loyal customer for almost two years, and this year they have lowered my credit limit twice due to an unreasonable policy related to their lending style. Despite always paying my bills on time and earning more now than when I signed up, they still made these changes.
Recently, my credit score dropped because I purchased a brand-new GMC Acadia for my wife, a common occurrence with large purchases. Subsequently, Upgrade reduced my limit significantly, making it appear as though I had maxed out my credit, which negatively impacted my credit score. After working hard for years to maintain a good credit score, this was a major setback. I am financially stable and live on a golf course, yet this company treated me as if I were irresponsible with my bills. I do not recommend Upgrade and will not continue using their services.
Recently, my credit score dropped because I purchased a brand-new GMC Acadia for my wife, a common occurrence with large purchases. Subsequently, Upgrade reduced my limit significantly, making it appear as though I had maxed out my credit, which negatively impacted my credit score. After working hard for years to maintain a good credit score, this was a major setback. I am financially stable and live on a golf course, yet this company treated me as if I were irresponsible with my bills. I do not recommend Upgrade and will not continue using their services.
Show less
CONSUMER BEWARE: Not a real credit card!
First of all this card doesn’t even show up on your credit as a credit card but as a personal loan so if you are hoping that getting card will increase your available credit it won’t. Secondly, they will reduce the amount you can use without notice even if you have never been late on a payment. I have never missed a payment, been late on a payment or even paid just the minimum payment and they reduced my available loan amount just because I had a major hit on my credit score for something that was beyond my control. Then later suspended my card all together while I still had over $1700 in available credit and my balance was less than 25% of my available credit. There was no notification on the app, just an email that gets buried in a sea of emails that you get with offers you get from them trying to get you to apply for more loans. On top of all of that, their customer service is horrendous. Consumer Beware!
Show less
Fast,Safe,Easy!
I’ve been an Upgrade customer for about a year and a half. I had been working on raising my credit score by paying down my credit cards for YEARS! But I finally needed to get serious as my retirement was anything but easy! I looked into Upgrade and they had a very attractive rate for a personal loan that would pay off the credit cards in 3 years with a much lower interest rate than I had expected! Paid off all my debt, but now needed a new car! Got a great hybrid that was just 3 yrs old and with low mileage and because of my good credit score, was able to get nearly the same rate on the car on a 5 year loan. Then, a big surprise… my credit rating went up again! And now I needed a short-term bridge loan to help me finish remodeling my house after a fire and was able to get another personal loan to help with that! I’m still paying all my bills on time and my credit rate keeps rising as I have not used my credit cards to solve my short-term cash crunches! And each month I can see my personal debt going down! And my credit score keeps rising! I recommend Upgrade to everyone!
Show less
Wish The had Better Features, but Ok Overall
So, my other bank app, when you view the transaction history, will show you under each transaction how much money was in the account when the payment came out or deposit came, like right under the amount that was added/removed. Upgrade does not do that. I swear my account is short, but I have no way of proving that without having to go all the way back to when I opened the account and doing a blow by blow review of every transaction. Is not my primary account so I don’t monitor it like the other one, so adding this feature would give me some peace of mind.
Otherwise, I’ve borrowed from them twice before and that is going well. They were efficient, and as long as you pay on time, they don’t give you any problems.
Otherwise, I’ve borrowed from them twice before and that is going well. They were efficient, and as long as you pay on time, they don’t give you any problems.
Show less
One of the most helpful online banking apps
I have used a few different online banking apps and upgrade is one of the best I have come across. I am very thankful that their fraud prevention is so on top of their game. They already caught two separate false charges to my account that I probably would have missed. I have suffered through massive identity theft already (the entire reason I am using online only banks now -those people did so much damage to me that I can no longer qualify for a traditional bank account. No amount of arguing will convince the big banks that those people who claimed they were me were fraudsters -different story.) Upgrade customer service is friendly and knowledge able about their products. Each time I had called they gave been quick to answer my calls and it was easy to get a human being on the phone, not an annoying bot. I don't usually write reviews but this was worth it to me.
Show less
Horrible company
So my husband is a business owner and business started to slow down so we decided to do the responsible thing and consolidate our personal credit cards. We signed over all our credit card accounts over to a consolidation company so they could negotiate interest rates and balances for us. Due to the consolidation negotiations our credit has been up and down. We decided not to add upgrade to the consolidation so we had a “just in case of emergency” card available. We left our upgrade accounts on auto draft so they would always be in good standing. Well, we hadn’t used our upgrade accounts in probably about 6 months. I decided to check the balance on our upgrade accounts and found out our upgrade accounts were “ineligible for new draws”, Called the check what that meant, turns out our accounts were permanently suspended and the rep said it’s due to our up & down consolidation credit situation. So we tried to do the responsible thing and we were still penalized by a company we were in good standing with. Horrible company! They penalize you even if you pay them!
**Not to mention they have the app listed for ages 4+. Why isn’t this app listed for age 18+!**
**Not to mention they have the app listed for ages 4+. Why isn’t this app listed for age 18+!**
Show less
Good app, mostly decent lender
This app is okay, I wish it allowed for changing auto pay information without calling in to speak to someone. Their lines of credit offer access through a credit card, with decent interest rates sourced from multiple lenders for different cards/lines of credit, but all payments are made through the Upgrade App. More a lender complaint than an app complaint, when I sold my car and leased a replacement it caused a 50 point credit score hit due to swapping a nearly paid off car with a 100% credit utilization car lease amount. Lesson learned, the utilization basically stays at 100% for the entire lease, which is never “paid off” like a loan. But Upgrade reacted to my credit score dive by immediately lowering my line of credit limits to match my available balances, and did this a few times over several months, repeatedly chain-reacting to their own snowballing of hits to my credit score, because then their lines of credit perpetually showed as 100% credit utilization, no matter how much I paid down the balance each month. My credit score hasn’t recovered, so I look forward to closing out these lines. :/
Show less
Thank you UPGRADE!!
I was getting killed in interest charges because I had some pretty high balances on some of my credit cards, so every time I made a payment, my interest rate would be more than the payment sometimes and my balance’s would hardly go down at all, 😤😳so I needed to get a loan asap to help consolidate my debt and pay off those credit cards, but I had applied for several Loans and kept getting denied, despite my perfect payment history and a 700+ credit score- mostly because of my high balances, which is why I wanted the loan in the first place!
UPGRADE was the only loan company that approved me for a $20,000 loan immediately, with No hassles and without having to send them a ton of paperwork either. It was so easy, it was almost too good to be true, but I got my money once approved within 48 hours!
However, there was just one stipulation-I had to agree to let UPGRADE Pay $10,000 of my loan money directly to my creditors for me, and then the remaining balance was deposited into my checking account afterwards. I had no problem with that, because I had planned on using the loan for that purpose anyways, so I was finally able to pay off my highest card balances that were hurting my credit score.
I just want to say Thank you again, UPGRADE for giving me a chance when no one else would!! You really are a lifesaver! Because of you, my score went up, and my annoying DEBT went down! 🥳😛
UPGRADE was the only loan company that approved me for a $20,000 loan immediately, with No hassles and without having to send them a ton of paperwork either. It was so easy, it was almost too good to be true, but I got my money once approved within 48 hours!
However, there was just one stipulation-I had to agree to let UPGRADE Pay $10,000 of my loan money directly to my creditors for me, and then the remaining balance was deposited into my checking account afterwards. I had no problem with that, because I had planned on using the loan for that purpose anyways, so I was finally able to pay off my highest card balances that were hurting my credit score.
I just want to say Thank you again, UPGRADE for giving me a chance when no one else would!! You really are a lifesaver! Because of you, my score went up, and my annoying DEBT went down! 🥳😛
Show less
