SUPER HELPFUL SUPPORT
I love the concept of this app but based on other reviews wanted to make sure I had a full understanding of how it works. Bright’s lovely tech support Andrea was great and explained to me that the app doesn’t pay cards off directly from your bank account throughout the month. It ACTUALLY pulls amounts from your bank account using Ai Moneysmart tech and puts it into your Stash account set up by Bright. Then as long as you have each card you want bright to pay off ‘activated’ and ‘verified’ Bright will use the money from the Stash account seen on your home page on the app. Love this idea and loved the quick & informative support! Can’t wait to start crushing my debt I got throughout grad school!
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Helps Tackle Debt!
This app has been really helpful managing multiple credit cards. I can see my total debt in 1 place and know exactly where the money is going. With the membership option, you’re able to set a balance you do not wish your checkings account to fall beneath. After you’ve reached that, Bright does not take money until you’re above that balance again. They do a great job at sending reminders when you have an upcoming payment (which they have usually taken care of in advance) and also sending encouraging messages about knocking down your debt. This app is like having a financial advisor right at your fingertips!
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Bright helped me…a lot!
We moved to another state and incurred a LOT of debt as I had to charge on a lot of different cards to pay the trucks. I could barely manage all the different payments and kept being late. I was skeptical about Bright at first as I HATE recurring fees - but finally decided to give it a try. Bright organized all my cards in one place and made payments to them ALL throughout the month without me having to even think about it - actually saving me a lot of interest and stress! I got five cards paid off and only have one left. I couldn’t have done it that quickly without Bright. Thank you for this brilliant app!
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Bright money review
I want to start off my saying that I love and definitely believe in Bright. It’s a great service. However, after downloading it shows the correct amount saved, but doesn’t have my smart pay card there. So I’m thinking that it’s off. I check online and it’s there as it should be...
The application not being able to accurately display correct account info defies the point of an app as I still will need to check out the web app to provide accurate info.
Hopefully this is updated at some point... but I would DEFINITELY get bright if you need to pay off some debt. I’m loving the service so far
The application not being able to accurately display correct account info defies the point of an app as I still will need to check out the web app to provide accurate info.
Hopefully this is updated at some point... but I would DEFINITELY get bright if you need to pay off some debt. I’m loving the service so far
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Horrible.
At first I thought the idea was pretty cool, but then I noticed things I didn’t like. For example the app is constantly being disconnected from my bank and it doesn’t tell me when this happens until after many weeks - right now I noticed it was disconnected back in Nov and just never reconnected it again because I feel like I have to do this multiple times a month, and today I just got a text message from bright telling me there was a bank issue. At the end of the month when things are due. So they should work on letting you know the bank disconnect after two days. Second thing is I have a minimum limit set.. when the bank was disconnected and reconnected, bright took more than it should have past the min amount and then overdrafted me. Third thing is the monthly fee I don’t recall ever agreeing to. It’s $10 a month. I feel like it’s a hidden charge - and finally. The first month it made sure to save extra and actually pay down my debt on my one card.. then after that it was only making minimum payments and not paying anything extra, but making sure to save enough for their monthly fee. Needs a lot of work.
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Response from developer
Hi. We'd like to fix this for you right away. Please get in touch via our live chat or email (support@brightmoney.co). We can help connect your accounts. Or refund your membership fee. Looking forward to hearing from you
Try this app! You’ll be happy you did…
I downloaded this app with the intention of just scrolling through it because I thought the description seemed intriguing, but I ended up signing up for the whole deal and I’m so glad I did. Also it’s late at night on Christmas Eve right now and I had opened up their chat bot because I just had a quick question, I wanted to verify something, and to my complete shock I immediately reached a human being who was extremely friendly and helpful, honestly it was one of the best customer service experiences I’ve ever had. So for anybody who wants to save money or maybe you want someone else to take care of your credit card payments for you, or maybe you need any of the other countless helpful things this app offers, you should try it!! Trust me there’s nothing to lose, if you don’t end up needing them you can just delete it, truly there’s no downside :)
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Fraud at this point
My husband and I were looking for a way to pay off credit card debt and be able to keep track. I found this app and almost instantly decided it wasn’t for us so I deleted it, thinking these accounts get deleted for inactivity after so long, say 3-6 months since I even thought about the app. This morning I check my account and see a charge from them. I go to support about it and they said I was charged for memeberships services which I did NOT authorize or signed up for. So they pretty much signed me up for services I didn’t want and used my bank information nearly 4-6 months later to charge. This is fraud and I will never use any app like this or anything else that offer this service because of my experience here. Support also claimed for it to be refunded in 3-4 business days. But if they just willingly took my information I had and charged me months later with no email confirmation or anything also. Then I doubt I’ll get the money back. DO NOT USE!!
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Great Concept - When It Works
This app is an excellent concept. It breaks up credit card payments over the whole month and pays them for you (allegedly) with AI-learned timing to minimize interest. The problem is that you only get the benefits if you set absolutely everything up perfectly from the very beginning. The AI only runs at setup - if you add any cards/accounts after the fact, you’re just manually plugging it in. Nothing gets the smart-adapting plan that you think you’ve paid for. I changed my target payoff card soon after setting up, and it was never actually adjusted until I contacted support.
The app also promises “small withdrawals” to build up your CC payments over the month. It started out doing that, then all withdrawals stopped. I manually transferred in some money, and in the same week the app withdrew almost $500 from my account. That money is just sitting there with no payments scheduled after several days. There’s no option to manually move the money to any of my linked cards. It’s just going to sit there until the app decides to move it, or I have to wait 4-6 days to get it back to my bank. Not a great feeling after paying nearly $90 for a year’s service.
The app also promises “small withdrawals” to build up your CC payments over the month. It started out doing that, then all withdrawals stopped. I manually transferred in some money, and in the same week the app withdrew almost $500 from my account. That money is just sitting there with no payments scheduled after several days. There’s no option to manually move the money to any of my linked cards. It’s just going to sit there until the app decides to move it, or I have to wait 4-6 days to get it back to my bank. Not a great feeling after paying nearly $90 for a year’s service.
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Do not use this app!! They will steal your money!!
I had an awful experience with this app several months ago, and lost a good amount of money to their membership fee, which I did not sign up for, and only received a partial refund for as well. They have a “stash” that saves your money, but I have never been able to successfully withdraw my stash, and now have more money sitting in this app that I can’t get back. I figured I would just take the loss, move on, and never think about this awful app ever again, but when I recently checked my bank account, I saw they took out MORE money, twice in less than 24 hours, and I have no clue why, not can I find where it went. This app has cost me well over $200 now and I want absolutely nothing to do with it. I have never had a more difficult and frustrating experience with an app and would not recommend using this unless you enjoy having your money stolen from you!
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So far, so good!
I downloaded Bright a few months ago to see if it could help me pay down my debts as well as it advertised, and it’s been pretty smooth sailing ever since! The app has made great improvements to really let users hone in on the best method for paying off their debt, and even has ways to pause the AI or set a limit for your bank account where Bright won’t take more money out so you don’t overdraft.
It’s nice to know that money is being saved for me without having to do anything, and that I can combine it with my own manual payments to really crush my debt fast!
Their customer service is also great, they are quick to help answer any questions I’ve had, or work to resolve issues if they come up!
It’s nice to know that money is being saved for me without having to do anything, and that I can combine it with my own manual payments to really crush my debt fast!
Their customer service is also great, they are quick to help answer any questions I’ve had, or work to resolve issues if they come up!
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