Would give it 5 stars except for poor loyalty
I have had the Avant card for over a year now. I make 2 to 3 payments a month, always higher than the min on every payment. I have high utilization as it is the card I use the most. I have 100 percent payment history on 24 accounts of different kinds. I can not get a credit increase keep being denied although I pay multiple times in a pay period. I do with all my cards. I am thinking about canceling it and going with a different card. I only need the increase to help my credit. I am working on building my credit regularly and am always a great loyal customer. So the denial on a simple increase when I pay double my bill multiple times a month as stated before just makes a person feel invalid and like a number not a great customer. If they do increase I’ll let you know. I recommend if you building credit and are looking for a card that rewards good behavior than I’d go with Brighway, credit one Amex is also very rewarding and not only automatically raises your credit every few month but they also reward you with upgrades and other top cards. This card is not loyal to good customer period. I’ve been repetitively informing you, because I know the need of a card that helps you grow your credit by rewarding and then that helps with utilizing. I would have never used this one this much if I had knew. So get u a card that treats you like a great customer.
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Very Happy. Was skeptical but now very satisfied
I took a chance with their online application. I saw them on credit karma and I applied all online and was approved all online. Submitted information requested. It took a about a day for approval and then my loan funded straight to my bank a couple days later! So awesome!!!! I’m very happy I chose them. I feel like their rates were slightly higher than other lenders but I don’t mind because the service was fast and easy and I didn’t have to talk to anyone. I did a consolidation loan and was able to get funded straight to my bank for me to pay off my debts as I felt like and I appreciate that freedom. I recommend it to anyone who hates being in the phone going over stuff. Just pay attention to the rate you’re paying so you know what you’re working with. I’ve gotten 2 loans with them. My credit wasn’t the best when I first got this loan and I got approved. My credit score jumped about 50 points after paying down about 5 creditors with my loan. Now my credit is fair rising to good. I am grateful that they approved me the first time so seemlessly. The second loan I got was a better rate so it depends on your credit score. When you don’t have great credit as I did initially, I just wanted a loan to get out of my mess and I got approved without collateral and it helped me so much so yes I recommend and am a happy customer.
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Terrible card
This is so unfortunate this card has been nothing but a problem ever since the start. It wouldn’t work to get gas at Costco right when I first got it and they couldn’t tell me why also won’t work to be attached to any Venmo, cash app, Apple Pay anything PayPal. Also they raised my credit limit while I was 2 days past my min payment due date and then told me I could not use my available credit since I was 2 days late on making a payment I then made a min payment and still was not able to use it they posted my payment for the following day and then charged me a late fee that was dated the day I attempted to make the payment won’t reverse the late fee and today now cannot make my available credit available still even tho when I call or look at the app it shows I have 227$ of available credit I understand that my payment may take a day or two to process and that payment won’t add the my available credit till then but why can’t I use my existing available credit I’ve been on the phone multiple times and get no where they never make any sense or answer the questions you ask they can’t give you to a manager and put you on hold to figure out anything you ask. Also asked when my Credit limit was raised wouldn’t my cash advance limit be raised they said yes and it was by like 60-70 bucks but I cannot use that until I lay my entire statement balance off hahah nothing ever makes sense
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Response from developer
That's certainly not what we hope for. We strive to provide the highest level of service every day, and we're very sorry to hear that we didn't get it right this time. Is there any chance you'd call back in? Please call us at 800-712-5407 or write to us at Support@Avant.com. We'd love a chance to fix this situation.
Card works better than some, but not great
I am disappointed with this card mainly because they gave me about 1/3 of the credit limit that some of my other cards have had. I have been paying off card every month, always early, except 1 time since I’ve had this card. I’ve had card for about 1 year and they still refuse to increase my credit limit even though I usually pay it off totally every month. It’s only $300….I also had an issue one time with a pin error, they locked up my card and I had to call 4 times and wait 5-7 business days to get it working again. They said they had to change the pin and mail a new one to me????! Really. I had to borrow money to get gas that weekend to get home!!! Very embarrassing and totally stupid ridiculous! Anyway, I’m working on my credit and I will soon have a better card with actual rewards that I can earn by paying them off like I have this card, and soon I will get rid of it. I do like the fact that I can pay it quicker on the app, but it still won’t post all weekend long if you don’t pay it early Friday morning, so the balance won’t be available even though the money is gone from the bank. If you re on a trip and forget this, good luck because you can’t use it until Monday sometime….
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Ugh
I don’t usually do reviews but felt I had to this time. I am on disability and do not get my check until the 3rd of the month. They set my payment date for the 1st. Say they are not allow to change the payment date and to make a double payment so that I can pay it after the 1st. That would be fine if I had the extra money to make over a 100 dollar payment. Also when I applied it said I would not have a yearly fee then suddenly last year I was charged for a yearly fee. I use to love this card but here lately it seems that they’re just trying to ruin my credit score. This is the first time being late because I make the payment on line and because it’s a weekend they’re not going to credit it till after due date and cause me a late fee. Now I have to figure out someone I can borrow money from so that I can make a double payment plus a late fee this month. I called them just to be told it’s not their problem it’s mine. My credit is perfect. Always pay my bills before they are due. This is so frustrating to deal with knowing that I’m just going to keep getting charged a late fee. The card is never going to get paid off because I’m just going to keep getting hit by late fees on it. Oh but they have me a credit raise. Anyway from now on I’ll probably be using a different credit card. Which I could use one of my other cards to make a double payment but they will not accept another credit card to do it. 😡😡😡😡
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