cred.ai User Reviews
Customer Experience
~ Based on 160 written reviews from the US App Store.
What users say
Summarized from real user reviews of cred.ai. Based on 6.7K reviews and a 4.8/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.
Positive things
- 🚀Builds credit without debt
- 🔒Secure with stealth card feature
- 👍Convenient and easy to use
- 💡Innovative credit-building approach
- 🤑Helps improve credit score
Negative things
- 🐛Unreliable customer service
- 🤔Inconvenient for some transactions
- 🕰️Slow fund transfers
- 💸Unclear fees and policies
- 🔒Restrictive account access
Is cred.ai Safe?
cred.ai appears safe based on user ratings. AppsHunter Safety Score for cred.ai is 96/100.
This assessment is based on 6,712 user ratings, with an App Store average of 4.8/5.
Safety Analysis
~ Based on 6,712 App Store ratings for cred.ai.
Is cred.ai Legit?
cred.ai appears to be a legitimate app. AppsHunter Legitimacy Score for cred.ai is 83/100.
Based on 83 of 100 points across 7 verification signals from App Store and developer data.
Top reviews
Bruh my SSN is legit, why the hell it kept saying it’s invalid
This is by far my favorite card I have ever had or used .
Only 4 stars due to this: Money takes too long to get from my bank account to being available in Cred.ai. I would use it more often if I could get instant transfers from my bank account like Apple Pay can.
I’ve had nothing, but a positive experience since signing up.
It would be nice if deposits were attributed to your account faster than 3 days, especially since electronic transfers happen within minutes.
5 Stars I’ve been using this card since 2019
Good option for those wanting to increase their credit score. App is easy to use and reliable
Aside from helping to build my credit this is the best card for it’s safety features when it comes to buying online. It’s also a great card to use while traveling.
I had a credit ai card for 2 years. Account never in the negative! They one day decided to close out my account for no reason at all. Tried to apply again 6 months later, denied. Terrible company. Ava $2500 trade line is way better!
Cred
Insanity.
I love this credit portal.
I was able to update my email address without any issue and was able to update my physical address at my other bank and all my other credit card companies without any issue, but Cred.ai would only allow me to update my address by sending them a picture of myself with a photo of my new drivers license with updated address. When I wasn’t able to get a new drivers license right away, they CLOSED MY ACCOUNT and told me I could try to reapply in 2 months but couldn’t guarantee that I would be approved. Total BS.
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Joshua 7-8
It’s been increasing my score slowly for months. Thanks!
Please be careful with linking your bank in here, they are stealing all bank funds overnight using overseas bank accounts
Really want to add this card to my financial portfolio but the system is stuck on the verification page for my application I’ve sent in required docs (clear images) SSN card front and back and so on but no response or update
I have been using cred.ai for about 3 months and my score increased by 40 points after using cred.ai. It gave me credit line which I really needed with low utilization. As credit utilization is 30% or more of your credit score, increasing your credit line is essential to get higher score. Thank you. Whoever made this app is genius.
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Reporting is reported inaccurately, don’t waste your time
Love this service !
