Very helpful card
This account has been extremely helpful in catching up other bills and having one payment. While the interest-rate might be a little higher than I’m used to paying, it definitely has been very fair and very convenient in helping me get my financial help in a stronger position. Would definitely recommend upgrade.
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Was nice to work with
I used Upgrade from approximately 2017 to the end of 2021. Whenever I needed help I was typically able to get through to customer service, I appreciated that their customer service spoke very clear English without foreign accents. That is not intended to offend anybody, but some people struggle to clearly understand if accents are too thick. Anyways, during 2020 as a business owner we certainly felt the squeeze and Upgrade was there to offer us numerous options to reduce our payments to help us through tough times. Through all of it we were able to complete our loan with a 100% payment history as well as gain great credit benefits for the service we received. Ultimately, if you take a loan for the right reason and can make more money from it than the interest your paying your making a good decision, but life sometimes needs money for things that do not make any returns, but either way, if you run into trouble this lender may be able not work with you so it’s a good choice if you need a loan.
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don’t bother with the upgrade card!
I got upgrade personal loan which is great but this review is for for their upgrade card, don’t apply! The app doesn’t show if your payment went through/so you think you have to make payment again. You can’t edit your payment if you made a mistake. You still get payment due and will automatically take money out of your account even if you have already paid. So beware!! It feels very scammy I wish I never got this card. I’ll see how customer service is and if they are crap as other reviewers say I’ll close this account.
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Bait and switch worst company
So I have been with upgrade for like 3-4 months they are on auto pay have been paid on time each month. But because my credit score dipped they took away the ability for me to actually use the card. I have never seen that ever . And the fact that they have been paid on time each month never late is the worst part . They will take away your amount of credit then your credit all together. I would suggest using grain which is similar or self or a number of other apps but not this I still have those a accounts who were also on auto pay I have not been penalized as upgrade has I would never suggest them.
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Discrimination on a high level
I hold a phone call about my brother application he submitted for a loan he got approved on credit karma, it was saying outstanding approval we submit his documents and wanted to check if everything is fine, we were talking to the approval agent he's name was Paul, as soon as he starts talking to my brother his voice changed I was on the phone to help my brother on his behalf, he told him you know what I'm going to decline his application when I asked the reason, he didn't let me talk and hang off the phone, I talk to their supervisor and wanted to find out why his loan got declined, no reason because their agent was racist, this is a free country, the upgrade is the company to provide loan or credit card, I would not recommend the company that their employees are ignorant and racist! I would leave 1 star...
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Terrible customer service
Interest rate on loan was ok, but the problem is accessing your account online. They have been emailed over 3 times, on hold on the phone for a total of over 5 hours trying to view account information. When logging in, the account still shows under review after 5 months and automatic withdrawals from checking. This makes it impossible to see payments posted, payoff balance, to make extra payments or to change automatic withdrawals. Everytime I call in, either the operator has no clue what is going on or I am told it is being worked on. After 5 months, the issue should have been resolved long by now. At one point I was told they couldn’t give me the payoff. Due to this issue, I am very dissatisfied with this company, they have no problem withdrawing your money for payments, they just have a problem showing on your account the payments have been posted. I like seeing where my money is going and I like knowing the payoff. This loan will be bought out by another one, even if it’s a higher interest rate. They have too many unresolved issues with their website interface t conduct business.
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Doesn’t understand what Bitcoin is
I was excited to apply for this card, primarily cash back rewards in the form of Bitcoin. However after 2 months there was no indication of my rewards balance nor did the Support team have any idea when it would appear. After a 40 minute conversation I was told that Upgrade arbitrarily decides when to purchase Bitcoin and apply it to your account. If they have no liquidity there this is essentially a broken card- program. All this card serves as is a debit card and an interest payment in any purchase…so I’m going for gas and paying you in addition to the purchase?!?! It’s also misleading to have no clarity as to your balance versus the due date…..your balance, actually every purchase is to be paid off within 24-48 hours to avoid an interest fee but they can’t even divulge this on the app nor have any idea what the processing time is to pull it from your checking account. If you want a debit card bc you have trouble manages a couple hundred dollars apply…if you want to accrue bitcoin which actually has value look elsewhere because this is the moon to them.
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Upgrade came through for me twice
This place was a life saver! The Terms are clear process was fast and easy . I tell anyone that’s needing the extra funding to try this place . A little high interest but in the end they are there when you need them . Really read the fine print for other loan places they are tricky. Not upgrade Lisa H
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App could be better
This is more of a review of the app itself, rather than my actual loan through upgrade, so keep that in mind.
For whatever reason it doesn’t save my info unlike pretty much 99% of apps out there, meaning I have to input my login info each and every time I want to use the app, which gets pretty tedious. Especially considering both my email and password are both longer than average.
I looked around in the settings and saw that I had “login with Face ID” enabled (which obviously doesn’t work). So I turned it off with the intention of turning it back on immediately after to see if that would fix my issue but instead it got rid of that option completely from the list of settings? Ok…
For whatever reason it doesn’t save my info unlike pretty much 99% of apps out there, meaning I have to input my login info each and every time I want to use the app, which gets pretty tedious. Especially considering both my email and password are both longer than average.
I looked around in the settings and saw that I had “login with Face ID” enabled (which obviously doesn’t work). So I turned it off with the intention of turning it back on immediately after to see if that would fix my issue but instead it got rid of that option completely from the list of settings? Ok…
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App could be better
After the last update, I couldn’t get into my account. Changed password & got in once-now I can’t get in to view my account again (no surprise). Have not been able to reach customer support. This is not the first time. Can they not use facial recognition like everyone else? If I wanted to log in every time I would use my laptop & not need an app. Hire Capital One’s App developers. I will be paying this off quickly & will not use again. My tiny local credit union has a more intuitive easily accessible app. Highly frustrating app especially considering the wheel doesn’t need to be reinvented here. Just make an app that is easily accessible & provides the information needed, plenty of other apps manage this.
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