Man I like the simplicity
Upgrade has really outdone their self with this app. I really enjoyed being able to navigate through having all my different accessories. I guess you could say or amenities that most people use on a daily basis so just checking their credit reports looking for loans if different things like that that make it hard to navigate through other apps because they don’t offer things like this so then you have tostart another profile on another page and so on so forth this gives you the sleep design, navigating each page seamlessly. Most importantly, all your stuff is at your fingertips and navigating each one by yourself makes it very simple to understand.
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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!
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!
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Love the app but….
Love the app but it’s hard for me to take it seriously until upgrade adds plaid support so that I can link my investment accounts with my upgrade checking. These days most financial products offer plaid support and I’m not sure why upgrade does not but it’s really annoying because I love this product but unfortunately cannot use it full time until this feature is added. Also I’d like to see upgrade do something similar to square checking in that they offer both paper and digital checks that you can print out yourself, as soon as you create a new check the money is drafted from your account and held aside until the check is cashed. With so many financial products flooding the market upgrade needs to innovate or it will die in a sea of mediocrity. Please seriously consider plaid support upgrade!
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Unreliable
I’ve been using this app for about a year and I’ve had a couple of small issues. When I call support, all they seem to do is give me a verbal shrug of the shoulders. This past week my scheduled transfer from my main account didn’t go through-it still hasn’t gone through. This is the account that I use for personal spending. So the money that I transferred Tuesday which would normally be available on Friday morning isn’t there so I have no money to spend. While the money has not come out of my main account I can’t spend it from that account because I don’t know if it will suddenly be drafted, leaving a shortage in my main account. Transferring money is a basic function and it shouldn’t be this difficult.
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Best way to retrieve stolen and lost funds
I was impatient to carry out necessary research but I really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 75,700 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 214,575 GBP within a couple of weeks. But I didn't realize I was dealing with a scam company, until I tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because I could not afford to let it go. So I tried all possible means to make sure I recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptography funds with the help of RemotePundit So I file a report on RemotePundit @ Gmail and he was able to help me get back all my lost funds withing 2 weeks I feel indebted to him. Apart from trying to express my gratitude to them once again using this medium, I will recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam to reach out to RemotePundit @ gmail. c0m
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App is slowly getting better
Out of many banking apps I’ve used, this is in the upper tier. Not as good as Chase or Citi, but getting there. I appreciate that internal transfers are reflected immediately. However, bill payments (even paying the Upgrade credit card with my Upgrade checking), takes days to reflect in the app. And the worst thing is, most of the time the payment will first be reflected in the credit card account, but not in the checking account. So you have to consistently remind yourself that even though the card payment is made, it hasn’t been debited from your checking yet. Sort of defeats the purpose. I would love it if both were reflected immediately, but at the very least they should be consistent.
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Hard To Work With
Getting anything to work with this credit card and Upgrade in general is so hard. I tried getting my card replaced which required updating my mailing address as well, after going through a verification process, the rep still wanted me to verify my last transaction with them which was months ago and not readily available through the app unless I downloaded every statement to go through, and found the last transaction. After finally getting my card mailed, I attempted two transactions that got declined lol, no reason whatsoever. I got a message saying that my card was now locked due to suspicious activity, but no instructions on how to unlock it. I don’t even want to bother calling again to unlock it since it’ll probably be another tenuous process, I’ll just stick to my Capital One for now unless I really need to use this.
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Mobile deposits are a select privilege
Apparently the app only offers mobile check deposits to a select few people according to the call I had with the support line. This information was only shared via support line, there is no information in the app or website that states mobile deposits aren’t universally available. Not thinking that only the Elite will be allowed this feature I endorsed my check for CRB right away just like the app and website told me to, only to find out that it isn’t an option and now I am out half of a month of pay which includes my rent money. I chose this app because I had no access to some of my banks anymore since I moved, and one other bank was taking 2 weeks to process checks. Looks like I have no possibilities now, since I’m not part of the Inner Circle of Upgrade to be allowed the privilege of mobile deposits.
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Get a different card not worth it
I would advise everyone against getting an upgrade card. The system they have in place is very strange and could use a ton of work. I’ve had so many issues with them. Most of the people they have working seem very new, and even the supervisors and unsure of the answers they give you. So even on a structural level of the business they are very flawed. Two times they said I have a late payment of 60 cents which was an issue on their end and it happened 2 times. And also they will block your card randomly if your fico score goes lower for any reason. Their is no criteria that they give you. They just block it. I don’t use the card so i never noticed but it’s a very weird practice of them. I would just save myself the hassle and go with a different card or loan.
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Unable to set Autopay date for credit card payments…
For some reason Uograde doesn’t let you set auto payment dates. They pick a day and that’s the only day your automatic payment can be paid on. ALL credit card companies let you setup your autopsy dates to match your budgeting. Upgrade does NOT allow this. Their support staff is not helpful at all. Do NOT use Upgrade if you want to setup payments according to your schedule. I was also on HOLD for a LONG time when calling in and wanting to speak to a supervisor about scheduling autopay. This companies customer service is TERRIBLE. The app is terrible to as it doesn’t let me choose a date for autopay either - it also does not let you set an amount for autopay.
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