Deserve Mobile User Reviews

Name: Deserve Mobile
Rating: 1.5 (65 reviews)

Deserve Mobile

Deserve Inc.

💰 Finance

What users say

Summarized from real user reviews of Deserve Mobile. Based on 65 reviews and a 1.5/5 average, it highlights the 8 positives and 16 negatives reviewers mention most about this Finance app.

Positive things

👍Easy to use interface (for older versions)
💳Good starter credit card for building credit
🔔Real-time transaction notifications
❄️Card freeze/unfreeze feature
🌍No international fees
💰Cash back rewards
🤝Good customer service (historically)
🆓Free credit score access (older versions)

Negative things

🐛App crashes frequently when adding payment methods
🐛App freezes and won't load data
😤Confusing and non-intuitive UI design
⚠️Inaccurate balance reporting
⚠️Payments take 8-10 days to process
⚠️Incorrect charges and unauthorized transactions
🔐Security concerns and account access issues
📱Poor app responsiveness and performance
🚫Account closures without notice
😞Terrible customer service responsiveness
💸High APR rates
🔄Payment amount changes after submission
🚫No schedule payment option in new design
📊Inaccurate credit bureau reporting
🔑Login issues and authentication problems
😤Removal of key features in app redesign

Top reviews

Most Recent Highest Rated Lowest Rated

Worst cc ever

They shut down their service without telling anyone… and then you try to pay off your card and it doesn’t show you the accurate amount owed.

Julieisawsometdh

9 months ago

Terrible

So far the worst credit card I have used. Inaccurate balances and unnecessary charges and transactions shows up. Cleared by entire bill stills it shows credit to be paid for the next billing cycle.

Spedada

9 months ago

Fraud credit card company

Terrible user experience

Saheelpatel

10 months ago

Account Closed with No Notice

Why is this being closed???

Raynes44

a year ago

Terrible App. Terrible Support

Card was hacked while on vacation overseas. Provided documentation, pictures, timestamps, addresses showing I couldn’t have made the purchases. Won’t refund me and made me reach out multiple times just to tell me there was still nothing I could do. Will be using a different card from now on.

shkfkwnavfj

a year ago

Do not get this card.

Worst credit card ever. They take 8 days for payment to reflect. So horrible.

zachbhag19

a year ago

Skip Deserve Bank

Garbage app. Forces you to use the INSECURE TEXT. Desktop website is even worse. UI/UX was probably done by a pot-smoking woke loser.

Comrad1943

a year ago

scam behavior

I have had this card since college but now 7 years in and it just feels like a scam? options arent available in the app, errors loading keep me from being able to lock my card. interface seems to have taken away more options and it just seems like a scam. going to close this account

19;jsjaien

a year ago

Terrible

Payments take forever to post, inaccurate balance reported to the bureaus, doesn’t even report to one bureau. On top of that, customer service is horrible. Whenever you bring these issues up they just tell you to take it up with the credit bureaus. Like how am I supposed to tell them to start reporting an account they don’t even know exists? And am I supposed to contact the 2 bureaus Deserve reports to every time I make a payment so they can update the balance? This is not normal. I’m also doubting the security of the account. I noticed somehow my email was changed on my account to an email address I don’t even own?? Some company email address of someone who works at consumer direct .com? I never changed my email to this random person’s email. The only reason I even found out is because when I contacted the unhelpful support, they told me no account was associated with my email, the email that’s been on my account for years. Then I go on my account and see it’s been changed to another person’s email. Of course I change it back, and then they want to point out that I just changed it and to contact the credit bureaus if anything is wrong. I hate this company.

hollymei26

a year ago

Terrible app

This app is absolute garbage you can’t manage anything and if you can it’s been hidden somewhere in the beyond. Whoever designed this you should know application design is not in the cards for you and I would purse other careers. Awful just simply awful!!!!

howisthistaken$;!:72$4

2 years ago

Response from developer

Dear User, Thank you so much for your valuable feedback! We truly appreciate you helping us improve the Deserve Mobile app. To better understand your experience, we’d love the opportunity to connect with you. Would you be open to a quick call with one of our product team members? Please connect with is here hello@deserve.com. Your insights would be incredibly helpful as we work on making improvements that will enhance your experience. We’re here to listen and make sure we’re making things better for you. Thanks again for your time and support! Best, Deserve Mobile Product Team

Garbage App

This is one of the worst apps to use, it refreshes any time you scroll so the screen just keeps being blank. Also when clicking on my balance, instead of showing info below it just says " Oh no. Something's not right" with a try again button that does nothing. It has been like this since they redesigned the look of the app a while ago. The app also has a terrible lay out, and is not intuitive or convenient to use.

rm.slugclub

2 years ago

Response from developer

Worst redesign

All they have tried is to copy the Apple Card experience but have messed up terribly. I still liked the old version where I had more information and a consistent user experience. I just hate opening this app and eventually, I have reduced spending on the Deserve card, just because I don’t want to open up the app and go through the frustration of paying off the balance.

chiragkhandhar

2 years ago

Response from developer

Bad App

It's a decent credit card, but the app is miserable. I can't load any card details since the update, so I'm unable to review transactions, pay my bill, etc.

nwf113

2 years ago

Good starter card but overall not good

The app before this update was way better. I can barely find the things I need to find (not easily navigable) and the app has completely glitched once I froze my card and tried to order a new one. Going to definitely be searching for a new credit card soon…

LouiseGeneTina

2 years ago

Login

I don’t receive code on my mobile to be able to login.

Dolly1700

2 years ago

App needs a lot of work

No dark mode in the app or dark mode icon, no way to switch to another credit card from deserve, and terrible UI. Feel like deserve’s own credit card apps and offerings are an afterthought compared to their business credit card services which is disappointing

MysteriousSaola

2 years ago

Login

There should be an option to login with your email as well not just the phone number very irritating right now trying to login

Zay_0198

2 years ago

Worse App I’ve ever used

This is one of the most frustrating and disappointing app I’ve ever used. Who’s idea was it to move away from the old app that existed a year ago? It was easy for me to check my credit score, which isn’t available on this new app. If it does, then it’s hidden somewhere I might need a compass to find. You chose to go with fancy design instead of actual substance. The app looks like it was design by a grade 1 students (no offense, that’s how terrible this app is). Please, get somebody who knows what they’re doing to design this app. Or better still just go back to the old app before this new one was introduce. I enjoyed using this app because of its simplicity. Kindly go back to that. Thanks.

Ferd102123

2 years ago

Response from developer

Issue with payment

Hi Team i made the payment but its took a whole 10 days circle to complete you payment no other credit card does that and also you guys don’t even provide rewards points to reedem I didn’t see any reward points towards my statement but still i am being showed 55 $ of rewards but you guys are saying i already redeemed it lol and now the balance is 2 dollars you guys are the real nutcrackers i believe the worst company so far i have seen in credit card

Jinwoo047

2 years ago

Response from developer

Very Flawed App

I experienced an issue where the app changed the payment amount I typed in AFTER I submitted the payment. This happened to me twice.
I was told that Deserve could do nothing to help me out. Not only that, they were still going to charge me the return payment fee of $37. Honestly terrible customer service on top of a worse app.

amartinezanica