# Deserve Mobile — user reviews > 103 indexed App Store user reviews of Deserve Mobile by Deserve Inc., rated 1.50/5 from 65 ratings. - Source: https://appshunter.io/ios/app/deserve-mobile/id1355132601/reviews - App overview in markdown: https://appshunter.io/ios/app/deserve-mobile/id1355132601.md - Rating breakdown: 5★ 5 · 4★ 2 · 3★ 0 · 2★ 8 · 1★ 50 ## What do users think of Deserve Mobile? Overall sentiment: negative **Pros** - 👍 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) **Cons** - 🐛 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 **Commonly reported bugs** - App crashes when adding bank accounts - App crashes when clicking 'more banks' option - Login button disabled - Birthday slider shows incorrect year (off by 1) - Cannot sign in after app update - Phone number verification error during login - App won't load after login (infinite loading) - Keyboard blocks verify button on login screen - App constantly logs out during multitasking - Transactions don't display or show as 'loading' - Payment amount changes after submission - Auto-pay setup fails with error message - Linked account information missing in payment screen - Recent transactions not visible - Available credit information unreliable - Email account changed without user action - App refresh causes blank screens while scrolling - Balance display shows error message instead of data - Plaid service integration broken - Cannot add card to Apple Wallet **Most requested features** - Dark mode support - Virtual card option - Face ID unlock - Credit score checker in app - Schedule payment functionality - Better payment date selection - Mint app integration - Apple Wallet support - Email login option (not just phone) - Account nicknames/labels for linked accounts - Improved notifications system - More cash back and rewards options - Ability to increase credit limit - Better app performance optimization ## Newest reviews (20 of 103) ### 1/5 — Garbage App *2024-11-06* 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. **Developer response:** 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 ### 1/5 — Worst redesign *2024-11-05* 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. **Developer response:** 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 ### 1/5 — Bad App *2024-10-23, version 1.4.8* 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. ### 2/5 — Good starter card but overall not good *2024-10-20* 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… ### 1/5 — Login *2024-09-25, version 1.4.8* I don’t receive code on my mobile to be able to login. ### 2/5 — App needs a lot of work *2024-09-18* 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 ### 1/5 — Login *2024-09-14, version 1.4.8* There should be an option to login with your email as well not just the phone number very irritating right now trying to login ### 1/5 — Worse App I’ve ever used *2024-09-12* 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. **Developer response:** 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 ### 1/5 — Issue with payment *2024-09-12* 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 **Developer response:** 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 ### 1/5 — Very Flawed App *2024-09-10* 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. ### 1/5 — Flawed App *2024-09-09, version 1.4.7* Go back to the previous app! This app has lots of bugs and it’s not really easy to use. ### 1/5 — DO NOT GET *2024-07-12* Going to star with this - I have reached out MULTIPLE times and have gotten no response. Had as a credit card for years and was wonderful. Couldn’t find my card for a while and because of the new app I can’t cancel it!! I also have been charged interest on a fully paid card now! Just reported to BBB. This is ridiculous ### 2/5 — New update make worse on paying your monthly bill *2024-07-08* Dear developer kindly look at all flaws on this new updated page. User can not make date selection while making payment. Schedule payment is not an option here. You have to pay on the same date. New UI is like apple card but it is not good as it used to be. Please revert back to old system. I’ve stopped using this card because of this UI flaws. Make it simple page view instead of big round circle view ### 1/5 — Fix Needed *2024-05-22, version 1.4.4* When you select 1991 for your birth year, it shows 1992. Same for 1992, 1993, and 1994. I cannot sign in due to this issue. ### 1/5 — Closing my account once its paid off. New app is horrid. *2024-05-12* Decent starter card but ruined by criminally high APR, no option to increase credit limit, lackluster customer support, and a terrible app update. Once I pay off my balance soon, I’m gone for good. ### 4/5 — Miss the credit score option *2024-05-01* Deserve was my first credit card and my main credit card to date (4 years). I’ve never had any issues with customer service or being charged unnecessarily. I think the app update offers some cool aids in money tracking. But I really miss the credit score checker. ### 2/5 — Yeah, not for me *2024-04-27* For the people that are saying the new update is horrible, I wouldn’t know since I haven’t even been able to get into my account. The birthday slider is messed up and wouldn’t allow me to input my birthday. There’s no app support. I guess I’m left paying my bill on the online webpage. There’s no notifications when there is money spent anymore. If you use this, use this for what it is, a starter credit card. ### 2/5 — Terrible new layout *2024-04-24* The new update is very confusing to use and it doesn’t tell you when your payment is due ### 1/5 — Stay away from this company *2024-04-23* I wish I never signed a contract with them. It was 8 years ago in college. Now I can’t even use the card correctly. The app is horrid I can’t navigate anymore since they “upgraded” it. The company doesn’t care about their users at all. ### 1/5 — Worst worst worst *2024-04-22* I’m being charged with the Interest even though I paid my bill in full. They’re literally charging interest on $0 bill. You guys updated the app in 2 years and that too with the worst update. I can’t even see if I have a scheduled payment or not and I paid the bill twice. Not so user friendly and worst. ## Most critical reviews (10 lowest-rated) ### 1/5 — Worst cc ever *2025-11-04, version 1.5.4* 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. ### 1/5 — Terrible *2025-10-26* 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. ### 1/5 — Fraud credit card company *2025-09-25, version 1.5.4* Terrible user experience ### 1/5 — Account Closed with No Notice *2025-08-29, version 1.5.4* Why is this being closed??? ### 1/5 — Terrible App. Terrible Support *2025-06-04* 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. ### 1/5 — Do not get this card. *2025-04-10, version 1.5.4* Worst credit card ever. They take 8 days for payment to reflect. So horrible. ### 1/5 — Skip Deserve Bank *2025-03-12, version 1.5.2* 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. ### 1/5 — scam behavior *2025-03-05* 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 ### 1/5 — Terrible *2025-02-22* 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. ### 1/5 — Terrible app *2024-11-07* 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!!!! **Developer response:** 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 ## Most praised reviews (10 highest-rated) ### 5/5 — Worst Card *2024-04-10* Terrible company, scam of a card and bad customer service. Leadership must have no ethics because it shows in its employees. Founder of the company should go into a new business. ### 5/5 — Great & easy to use app! *2021-05-25, version 1.3.10* I have a Deserve card and I’m so happy with how easy it is to use this app. Very well organized and can find everything I need right in the app ### 5/5 — Perfect! *2020-04-23, version 1.3.2* This is best app I ever used, and amazing features . ### 5/5 — Great credit card *2020-04-22, version 1.3.2* I got credit card when I just got out of college and was trying to build a credit history. The benefits have improved over time and this credit card will always stay in my wallet. ### 5/5 — Awesome App! *2020-04-20, version 1.3.2* Clean interface & straightforward to use. Great card with solid customer service. Great starter credit card for students. ### 5/5 — Better than the “Cr-Apple” card *2020-04-18, version 1.3.2* I really like the Deserve card. It’s modern and sleek. I’m an international student and me and my friends use it all the time. We even get rewards by referring our friends. What fun! Anywho, its my favorite credit card - I didn’t even know that was possible :) ### 5/5 — Great product *2020-04-18, version 1.3.2* Rich functionalities and yet simple to figure out! ### 5/5 — Love the app- easy to use and great notifications *2020-04-18, version 1.3.2* Love the app interface, very intuitive to the end user. Love the instant notifications, helps me be aware of all transactions and if there is any unauthorized transaction. Highly recommend it to all students who are starting to build out their credit history. ### 5/5 — Good product and customer service *2020-04-18, version 1.3.2* Great card for international students without SSN, don’t need to give a deposit to get a real credit card! Love the real-time transaction notification, freeze and unfreeze card features. Friendly customer service, very patient to explain all my questions, highly recommend! ### 5/5 — Meets all my needs *2020-04-18, version 1.3.2* Check balance, pay, keep track of my credit score. Very helpful and easy to use app --- *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.*