# Avant Credit — user reviews > 62 indexed App Store user reviews of Avant Credit by Avant, LLC (US), rated 4.76/5 from 138,158 ratings. - Source: https://appshunter.io/ios/app/avant-credit/id956960183/reviews - App overview in markdown: https://appshunter.io/ios/app/avant-credit/id956960183.md - Rating breakdown: 5★ 123,049 · 4★ 7,340 · 3★ 2,501 · 2★ 946 · 1★ 4,332 ## What do users think of Avant Credit? Overall sentiment: negative **Pros** - 🚀 Fast and easy application process - 👍 Helpful customer service - 💡 Opportunity to build credit - 🚀 Straightforward credit card service **Cons** - 🐛 Inconsistent credit limit increases - 🔒 Poor fraud protection - 🔒 Difficulty resolving issues - 🔒 Unreliable card functionality - 💰 High annual fees and interest rates **Commonly reported bugs** - Unexplained credit limit decreases - Delayed or incorrect payment processing - Inaccurate credit reporting **Most requested features** - Improved notification options - Contactless payment capability - Ability to update account information easily ## Newest reviews (14 of 62) ### 2/5 — Ugh *2023-12-02* 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. 😡😡😡😡 ### 2/5 — Contact us*** *2023-11-30* I called the only option available, under the “contact us” option, and needed a new card sent out because I’d been unable to get the card to read in any machine. I also requested to update my address as the previous address was at my parents house where I’d been staying most the time caring for them! The “assistant” was unable to help with either request. And read me off a disclaimer about this call is to collect a debt.” Actually, as I informed her, I’d been able to login and make my payment and she was able to recite all the details of what I’d done online. Also, she can’t send the card to the address on file even though I still can receive mail at my parents house. She can’t update the address either, I’ll need to send proof of residency, to the email. Ummmm, what email? There’s nothing I can find on the site to email or I’d have done that. Simply: don’t give me an only option of “contact us” for any problems and then have someone who can’t do anything I need or provide me with information on where to send proof of residency. Since when does a CC company not want your updated address for correspondence. Today is the only problem I’ve ever had with this account but this is extremely poor customer service and very frustrating! ### 4/5 — Cryptocurrency recovery *2023-08-07* I was so impatient to carry out necessary research but i really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 80,000 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 280,000 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 cryptocurrency, funds with the help of itech koa. So i file a report and he was able to help me get back all my lost funds within two weeks. 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, reach out to itechkoa@Gmail. ### 1/5 — Crooked *2022-11-11, version 3.7.8* I’ve had this card for at least 6 months. I paid the fees in the beginning and have never used my $1500 credit limit. I’ve been waiting for an emergency to use it or maybe even to shop for Christmas. I checked my app like I usually do because of fraud and seen the lowered my limit from $1500 to $300. When I called customer service, they couldn’t tell me why. I told her to close my account and she actually asked me why. My husband and I have several major cc and I don’t need to work with a shady company. BEWARE, you pay the fees and they can change what they offered even when you havnt used it. Then they follow up this review with the following words. “ We are sorry that our rates don't fit your situation. When making decisions, Avant considers a whole range of factors, which allows us to offer access to responsible financial products." As though I have poor credit history. My bills are 100% paid on time. Again, not once have I used this card, other than pay yearly fees. Again they are crooked!! ### 1/5 — I WOULD GIVE THEM ZERO STARS IF IT WERE POSSIBLE. STAY AWAY! *2022-11-05, version 3.7.8* I would absolutely stay away from this credit card company. I’ve had a credit card with them with $1000 limits for almost a year. And within a short period due to my on time payments was bumped up to $1300. And I will emphasize I have never had a late payments and have always paid a lot more than the minimum payment required. I woke up one morning and my credit availability had been slashed to just $500 which caused a 30 points dip in my credit score. That I got a letter from them stating that delinquency’s was the reason for them taking this action. I will emphasize again I have NEVER made a late payment! I called both customer service and card management team and ask them to show me where exactly my counts. I had a delinquency, And they were unable to find any point where I was delinquent. I WOULD ABSOLUTELY STAY AWAY FROM THEM. IT’S A TERRIBLE COMPANY. ### 1/5 — Line decrease? *2022-10-22, version 3.7.8* I got this card and was given a $3,000 limit. I never maxed this card out or even put it at 50% utilization. I had a balance of right under $1,300. The next month I paid a $1,000 payment to this card. Making my balance less than $300. I logged in a month later to pay off the remaining balance and my line was decreased to $300? For what reason? Who knows because customer service told me they can’t see a reason why, and a letter was mailed out to me. I didn’t max any of my other credit cards and was under 50% credit utilization prior to my line decrease. So now I’m above 50% utilization due to the decrease which will effect my score. Plus having a $300 credit limit when all your other cards are $2,000 and above? Doesn’t look good. Especially since this was my newest credit card. On top of this they don’t make it easy to know when your payment is due. I have three other credit cards and each of them will show you when the due date is. This credit cards app just says if a payment is due or not. This is absolutely not a great customer service experience. If I would of known I would be been treated like this I never would of opened the card in the first place. **Developer response:** 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. ### 1/5 — Do NOT APPLY *2022-10-19, version 3.7.8* This is the worse credit card I have EVER had! My credit score is over 700. I applied for this card and was approved with a specific credit line. That’s was months ago. I log into all of my accounts daily. I pay all of my bills including credit cards on time. My on time payment history is at 100% across the board. I am sharing all of this because I take my credit very seriously. It just so happens that one day I logged into and I saw I had no balance due. The very next day I logged in a again onto the app to not only find that a payment was due but now it was due the day prior. I also had signed up for electronic statements. From the day I opened my account until about a week and a half ago I have never received an electronic statement. The only reason I have a statement now is because I unenrolled from e-statements. Because I’m not seeing a pattern and I want written proof of payment due date and amounts due. Today I logged into my account and now I see that my credit limit has been drastically reduced by almost 85%! Not only would that cause me to be over my credit utilization but this would harm my credit score significantly! I have immediately closed my account. I WILL be seeking an attorney! This bank has fraudulent business practices and I will not allow this bank to take advantage of me as a consumer! I STRONGLY suggest going with another bank! If I could give negative stars I would! **Developer response:** 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. ### 1/5 — Very poor customer service *2022-10-14, version 3.7.8* My financial situation has changed. I called to discuss options for future payments. A woman answered (very politely) and transferred me to a man. He seemed nice for a few minutes and then I started noticing him repetitively asking the same questions. After every question he wouldn’t even hesitate and just say “HELLO?” As if I wasn’t responding quick enough. Every single time my child made ANY noise in the background he would stop and say “please be advised that this call is monitored and recorded for quality and training purposes” This drug out the entirety of the call which made my children even more annoyed which made him repeat the quote over and over again excessively. I completely understand that it is frustrating to try and handle a call with children being noisy in the background but I expect businesses to be empathetic to my situation. I lost my job. I can’t afford a sitter just to make these embarrassing and vulnerable phone calls admitting that I can’t pay my bill on time. If your employee can’t be empathetic to the fact that some times there are going to be loud kids in the backgrounds due to unfortunate circumstances then call me. I’m looking for a job and I can empathize with every situation. **Developer response:** 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. ### 1/5 — Headache from day one. *2022-10-06, version 3.7.8* Got card. Activated it, and it was immediate locked. I contacted them to find out they needed additional documents for an “investigation”. I submitted my DL and Utility bill as requested. Weeks later I’m told they needed front AND back of my drivers license. Okay- my bad. Submitted. Couple more weeks and I’m charged an annual fee, card still locked- I went ahead and paid the annual fee so it doesn’t reflect on my credit report. I get an email saying that the address on my DL and utility bill don’t match- I need to provide a government ID with an updated address. I let them Know that I just recently moved and with me having a commercial drivers listened- getting a new one is pricey. I will update it as needed. They inform me that my account will remain locked. I went ahead and canceled the card and demanded a refund for my money I paid into the annual fee. This entire process has been a headache from the beginning. Lack of information and no accountability. I have had no issues with any other card services regarding proving my identity- what I provided to them should be enough. “At Avant we run things differently than other card services”. I told them I would be filing a complaint with the BBB and filing for fraud if any of this reflects negatively on my credit report. Hopefully I get my money back that I paid into it, since I never got to even use it. **Developer response:** 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. ### 1/5 — Worst customer service *2022-09-15, version 3.7.8* I have paid my loan on time or ahead of schedule every single month. This past payment I paid on sept 2nd, and on sept 6th the same payment was was taken out putting the account that we use just for that loan in the negative. When I called the first time, the gentleman told me that I had to wait to get my money back, (plus a $15 return fee) until I got an email. Well I got the email, called back, was hung up on the first time, and the second time the woman literally questioned why I pay my loan ahead of time when I know it’s on auto draft. I tried to explain the situation and all I was calling back for was to get the $15 back that was charged to the same account and again had it in the negative. She told me that there was no way of getting it back, even though the first customer rep told me that I could get it back. She refused to let me speak to a supervisor, but would “schedule” one to call me back. ### 1/5 — Card works better than some, but not great *2022-09-07, version 3.7.8* 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…. **Developer response:** 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. ### 1/5 — Scam *2022-09-02, version 3.7.8* Below is my initial problem with Avant. Approximately two weeks after my payment, my funds became accessible. Then there was notice that my payment had been returned (a month later). My bank has no receipt of this return. I have provided avant with my bank statement via email to show proof of payment and they still have not helped. This issue has been going on for 60days. Avant has been charging me late fees and reporting false information to my credit report. I hope this falls into the hands of someone who can assist in this matter. (I made a payment to cover my entire statement balance and I have no access to the funds available. I was told they are having trouble on their end and will send an email notification when the funds would be available. This has been on going for about two weeks. My primary concern is that there was no correspondence addressing the issue; alerting the card members.) ### 1/5 — No star *2022-08-26, version 3.7.8* This company is horrible. I have contacted them numerous times about fraudulent charges on my card. They removed most of them. I shut my card down completly. Now they are trying to charge me late fees and interest fees on a car that is closed. I would not recommend this credit card to anyone. I contacted them yet again about this issue after receiving a email from them saying they wanted me to call them. I called them and once again got the same runaround from whoever it was that answers the phone and went through their normal script. They continue to want me to pay for late fees and interest charges on fraudulent charges that they were to have removed. I did contact my credit bureau and their account was removed from my report so they no longer can affect me that way. This is a horrible company they have horrible customer service and will not listen to anything you say even when you have the paperwork and statements in front of you and are trying to explain to them They just give you a generic phone number to call and you have the same runaround. ### 1/5 — Horrific experience with my new card *2022-08-25, version 3.7.8* Here’s the short version. I got this card for traveling to events I attend. Soon after I got the card, I used it a few times with no issues. Next, I went to my event and TRIED to check into my hotel and the new card, with plenty of money on it, was declined. I was told to wait and try again soon. The hotel tried the card again…declined for suspicious activity! Please keep in mind that I contacted them a week before I left to inform them I’d be out of town using the card! I tried, as well as the hotel, to call them to see what was wrong and no answer! Avant literally shut down! I was stuck out of town! Good think I decided to bring my bank card along as well or I would’ve been screwed! They would not even assist me in getting a PIN number to get cash off the the credit card instead so I could pay for the hotel. The phone lines came back up the day after I got home! They would not offer me any type of compensation for my inconvenience and horrible experience with this brand new card! I would cancel it but that hurts your credit score. I will no longer be using it. I’ve never heard of a credit card company that didn’t have a backup for when they have system issues! I am so very disappointed and outdone with this company. No care for the customer at all! **Developer response:** 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. ## Most critical reviews (10 lowest-rated) ### 1/5 — Would give it 5 stars except for poor loyalty *2024-04-16* 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. ### 1/5 — Terrible card *2024-01-22* 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 **Developer response:** 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. ### 1/5 — Card works better than some, but not great *2023-12-25* 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…. ### 1/5 — Card never works *2023-07-19* So apparently the credit card doesn’t really work it declines most of my purchases when I have more than enough available balance they have sent me three cards so far I’m unable to even activate them. When you call, it says it’s activated then when you go to the store you get embarrassed because it gets declined. they’re getting a star because I have to give them something to submit the review. If it was possible, they will get negative stars. This is one of the worst credit cards I’ve ever had. Also, their customer service is useless they’re rude. And not knowledgeable in their job and cannot help you the response to everything is a I’ll submit a request but can never transfer you to a different department even the supervisors don’t know what’s going on. and they keep submitting all these requests but nothing ever gets resolved. It has now been four months I’m going back-and-forth and I still can’t get a credit card from them to activate. Again, I just got off the phone. I’ve been on hold for 10 minutes to speak with Patrick O who supposedly is an account supervisor, who did absolutely nothing again I was told will submit a request. I asked to speak to somebody above him and I was told he’s the highest it goes. It’s funny that the highest account supervisor is answering a regular customer service call. ### 1/5 — ABSOLUTELY WORST CUSTOMER SUPPORT! *2023-07-16* This card has been nothing but a disappointment. It sometimes takes me days and several attempts via telephone to get Customer Service on the line to resolve an issue. Then, when I finally get to speak to someone, they are usually a complete idiot, rarely do they have good command of the English language, and more often than not, they will lie to you when they just don’t know what the answer is, or you have requested to speak to a supervisor, and they do not want to look bad with their supervisor for not being able to resolve your issue, so they will lie to you and actually tell you there are no supervisors. I just this morning received an alert from Avant telling me there were two suspicious charges recently transacted for me to please answer via the telephone prompts. I only learned of the first charge and not the second because once I affirmed for them that the first charge was not made by me. They then put me on hold to speak with the fraud department. I waited on hold for 30 minutes and then the automated system terminated my call and stated I needed to call in to Avant card services myself later on today. So they just completely wasted my time for a half hour on hold. I have tried getting someone to answer my call three times already today and I just get placed on hold. Do yourself a favor and run as far away as you can from this card. It is not a good card you would get better rates from the mafia. ### 1/5 — It’s a very basic card. Edit: Eyesore And Actual Garbage *2023-04-18* It’s a very limited card. I applied for it and they only gave me $300. No intro apr benefits, no rewards, nothing. Also the app is very tired looking and the annual fee as always is a bummer. I have cards that approved me for credit in the thousands and when I applied for a limit increase I was denied. In the end this card is like stubbing your toe it doesn’t hurt but it does hurt. This is a down bad card. Unless your that don’t get this card. Edit: So I’m now giving this card 1 star. Their app is terrible and customer service is garbage. I called to see if I could get my annual fee waived after a while because I now have way better cards with limits in the thousands this card only has a limit of 300 which doesn’t even help my credit score. So the annual fee is just a complete waste of money. I was connected with someone who is clearly in a call center not in America. This woman could not help me and I literally could not understand her. She left me on hold for 20 minutes before I hanged up she never came back. I remind you that I just called to see if I could get my fee waived. Do not get this card it’s literally garbage. I repeat Do Not. It’s just an eyesore. **Developer response:** We're sorry to hear about your situation. Note that rates are determined on an individual basis and are based on a number of factors including your credit score and repayment history, among others. If you have any further questions, please feel free to contact us at Support@Avant.com and we will promptly address your concerns. ### 1/5 — Do not get this card!! it is the absolute worst *2023-02-13, version 3.8.0* If you have even a small chance of being approved for a line of credit with anyone else, then by all means, I would recommend going in a different direction than this company. I’ve never experienced such a high level of incompetency and unprofessionalism in my entire life. they do not keep any of their policies, clear or explained. In fact, they just seem to change them whenever it is convenient for them. Be warned: they will not protect you against fraudulent charges. Should something happened to your card, you will be liable. And you will never receive a replacement card despite what they may tell you at first, that’ll change each time you call to inquire about why they haven’t done anything. Your credit line will never increase. In fact, it will probably be decreased for no apparent parent reason whatsoever at their discretion, of course, and without any notification. I don’t understand how this is not illegal and how they are still getting away with it. ### 1/5 — Not worth even 1 star!!!!! *2023-02-08, version 3.8.0* My payment was taken out twice this month and I needed the one payment returned to me and at 1st the lady said ok we can do that! And then asks reason why I need my xtra payment back! But my answer wasn’t good enough so then they renigged my payment back to me, then said to honor the xtra payment to be used for march’s payment, 1st was told yes and now again then she said no they can’t do that either!! My payments have been on time consecutively for months and this lady wants to blow smoke up my kazoo . And then says oh you have a late payment! R you kidding me!?!! I’m on my loan app everyday and no where does it say that!! I will never use this company again! And I’d suggest to others not too either because they don’t work with the people it’s all about what money they can take from us!! Also and knowing our economy stinks right now and I’m below the poverty level, wow just wow!!! ### 1/5 — Credit line decrease for no reason *2023-01-29, version 3.8.0* They deserve -0 stars, but they make you give a star. They certainly do not deserve it. Got my credit card 9 months ago, had a high credit limit, always payed my credit card well before it was due and ALWAYS payed more than enough to keep my credit limit down. I NEVER let my credit limit get to 30% of credit limit because it reduces your credit score. I got on my account Friday to see what my balance is and I noticed my credit limit had been drastically reduced, so I called the company and they said they couldn’t give me an answer as to why my credit limit was reduced that my letter is in the mail. They do not understand what this does to someone’s credit score and they do not care either. This is VERY damaging to one’s credit score and could take YEARS to fix it. I have now payed off my credit card and have full plans to cancel the card as soon as my card shows zero balance. I will not stay with a company who doesn’t care about their customers and potentially ruins their credit. How many of you had your credit limit reduced and out you over your 30% debt to income ratio in your card or even out it over your credit limit? This will effect your credit score… **Developer response:** 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. ### 1/5 — RESPONDING TO DO NOT REPLY *2022-11-16, version 3.7.8* This very same thing happened to me !!! I went to make an extra payment which I’ve always paid and always paid it on time. I go to find my card is negative money because they decreased my credit limit a huge amount, which also made my credit usage increase significantly and cause my credit score to go down a whole lot and I’m furious. I’ve been working hard on keeping my credit on a good level and this hurt me very much on multiple things and when I called all she said was I don’t know why they decreased it doesn’t tell me why, we sent you a letter stating that your card was decreased on October 18th which I never got, and when I repeated my address it was incorrect from what she had, she used that as an excuse, but yeah, I got the card and I got the offer to sign up. This is extremely suspicious and I don’t understand how this could be legal in anyway. They give you an awesome credit limit for a few months, even though you pay it on time and make extra payments ,they still lower the amount. It doesn’t sound right to me. I have 100% excellent payment history on all my credit cards. I plan on seeking an attorney myself to find out what I can do about this because I also think that it was fraudulent and not right.. Just a way to make customers pay extra for the company to benefit from. **Developer response:** 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. ## Most praised reviews (10 highest-rated) ### 5/5 — Very Happy. Was skeptical but now very satisfied *2024-02-03* 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. ### 5/5 — VERY satisfied, but…. *2023-08-18* I’ve had this credit card for quite awhile now, and I’m very pleased with it. I started with a modest credit limit, and honestly Avant has consistently raised my CL about every 6 months, and always without me asking for it. I now have a great CL and my FICO score has dramatically improved. I always make my payment as soon as it comes up on their app, which by the way is incredibly easy to maneuver through. Everything was going along nicely until I made my payment, due Sept. 1st, on August 6th when it showed up on their mobile app. According to my PayPal account, the payment was made at 5:57am on August 6th, the day it’s due. And that’s the same date I’ve made my payment for as long as I can remember. Unfortunately for me, Avant applied my August 6th payment to my account on August 5th. That means I made two payments in August and now I’m due Sept 1st again. I’m not happy about this at all. I would really appreciate it if someone high up the food chain with Avant would please call me to try and resolve this. I love your company, and I love my credit card, but right now I’m not feeling the love from your side. All my contact info you should already have, so please, PLEASE!, call me sometime so we can have a chat. ### 5/5 — Straightforward Credit Card Service *2023-06-06* Don’t pay attention to the negative reviews, those are from people who are ignorant, irresponsible, entitled, and dishonest. Know your limits, pay your bills, think ahead. It’s not that difficult. This is a good card for rebuilding your credit. It starts with a modest limit and very low annual fee. Over time, the limit will increase without your request as long as you’ve shown yourself to be financially responsible. The app is simple without frills. I’ve had no problems and I have no complaints about the app, card, or company. I’ve pulled my credit back out of the depths of hades and am finally where I want to be. I still keep this card with the $39 annual fee and high interest, but I don’t use it. It’s a small price to pay for the next few years while my lesser established accounts reach maturity. At that point, I’ll trim off what needs to go, sending with them my gratitude for their services. ### 5/5 — Decrease in credit limit *2022-10-27, version 3.7.8* Only had this card for 5months , I recently paid off balance and my credit limit was DECREASED!! Went to dinner with family when I went to use my card I was informed it was declined!!! I told the waitress that is impossible, but when I checked on line I notice a decrease in my credit limit!!! I call customer service and I’m furious to find out they are not be able to give me any information regarding this and I wasn’t able to speak to a supervisor!!! They said supervisor was unavailable and wouldn’t be able to help anyways. I have to wait 7-10 days for a letter in the mail. WHAT??? Once I pay my balance I will be closing my acct. HORRIBLE customer service EVER!!!!! ### 5/5 — The Worst Credit Ever *2022-09-01, version 3.7.8* Please do not get this card! I only made one transaction with this card. I was hospitalized with COVID and Asthma for quite some time. There was a late fee on the account as I couldn’t make the payment in time due to my hospitalization. I called to ask for a ONE TIME CURTESY to have the late fee removed! I explained the situation and told them I can provide documentation. They said they would review and advise within two days! The result was they didn’t remove it because the late fee was within contract! So, it didn’t matter to them you were sick, it didn’t matter to them that you are asking for help during the pandemic and as person struggling with Covid! What mattered is the late fee they needed to collect! I made the full payment which was $91 ($25 fee included). How petty! I closed the account! I will not have a credit card that can’t understand that their customers are human and things happen, especially during a Pandemic! How horrible! Please don’t get this credit card! It’s not worth it! Please shop around for something much better! I hope this helps! **Developer response:** We're sorry to hear that you had difficulty making a payment. You can try the website again at a later time, or we can help you with your payment if you call 800-712-5407. ### 5/5 — On my way back *2022-07-19, version 3.7.8* My story is like that of so many others. I needed a way back to building a strong credit rating and Avant is allowing me to do just that. Years ago I had thought my life might be easier, less stressful if I stopped using credit. I had developed a mindset to only pay with cash and spend only what I had saved. You could say it worked for a while but the stress of money never left. I know now and believe, financial responsibility is had only if it’s managed properly. I’m retired now, early. But I know now I need my credit rating back. Not to become indebted or spend beyond my means. No, I need it as do you to simply be able and navigate our reality. Without credit is the same as not having another believe your word. I give my word and never break it. It’s easier for another to believe me if I have good credit. Thank you for believing me Avant ! ### 5/5 — Nothing but positivity! *2022-05-25, version 3.7.7* Ever since I began this journey with Avant back in Mid-2015, I have had absolutely nothing bad to say about Avant. Starting with the first initial loan in 2015, they were the first and ONLY loan company that were even the slightest bit willing to help be given at the time, I had very little to absolutely NO credit whatsoever. Avant took a chance and extended a $5,000 loan to me. I was faithful with making my payments on-time and never had any problems at all. After that one was paid off, I agree sought out the help of Avant’s services and again, they came riding in on their white horses to lend me a hand again. This time it was with $5,300. Again I did my best to make all my payments on time, yet I do recall being late once. They were quite understanding and easy to work with. They didn’t charge me a late fee since I called them and explained my dilemma. They were courteous, patient and friendly. And now here we are in 2022. Once again Avant rides up on its white horse to save the day AGAIN! This time it was double for a little over $10,300! I can’t lift them up enough. They were there when no one else was and I have never been harassed or threatened. Everyone has always been very accommodating, friendly and helpful . What more can you ask for in these days and times? Thank you so much for everything Avant! **Developer response:** Being able to help people in their times of need is what keeps us motivated at Avant. We are glad that we could be there for you when other companies were not. Thank you for your kind words and we hope you'll tell your friends and family about your experience. ### 5/5 — Great easy way to borrow money! *2022-05-24, version 3.7.7* Avant is a great lender, easy to borrow money, customer service is good and app is easy to maneuver around. I applied for a big amount of money last year with a fair, short history credit and l got approved right away and received the funds within 2-3days of approval. It was my first loan ever and l was surprised with such trust from them to me. One thing l can say for sure is the interests was a bit higher which was understandable since it was base on my credit history and credit score. I hope next time since l am a loyal customer to them that they could give me a little lower interests. I have no late payment and over dues, l always pay all of my debts earlier than it’s due dates, l am very responsible. Thank you all for the trust Avant team! -Chel :) ### 5/5 — I’m still not able to use my card still. *2022-05-23, version 3.7.7* Due to a conversation with someone about my account. I was questioned about some fraudulent activities with my card. I answered a question in error. The next thing I knew. I was to receive a new card., which I haven’t to this day. There were to be a review of my account. That I needed to WAIT UNTIL I GET A TEXT.. two months later. STILL NOTHING. I called about an update outcome of said actions to this card. I’m still told to wait for a text. I’ve paid my bill more then on time. Every two weeks . Still not understanding the delay KimNovack Fox 🦊 Today is Monday of May 23rd, 2022. I called to find out what is the process of the ability to use my card. Now I’m getting the card turned on., now the card is getting turned on due to the fact this company need more Information. My work ID, A UTILITY Bill and may an arm and a leg.. still nothing., I’m requesting an email for me to deliver said I formation needed. Haven’t received an email yet. **Developer response:** 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. ### 5/5 — Best decision I have ever made for my credit *2022-04-24, version 3.7.7* About two years ago I was searching for my first starter credit card. I researched a lot as my fiancé had one that was similar but was horrible to work with. I got nervous about getting screwed like he did and did a lot of research. I found this card that had great reviews with stories to back it up and I said “what the heck” and moved forward. I was approved, for my card super quick and I have never had an issue with this company ever since. Easy to make payments, easy to watch my account on the app and never have issues with extra fees or anything crazy. I have since been able to increase my credit limit twice. I have also gotten two major credit cards in the last year since I managed this one so well. I am very happy with avant- and highly recommend (especially do not get credit one). --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*