Petty Email Advertisement/Bad Marketing Strategy
I’m giving one star because of the tone of the promotional email that was sent out. I did not find it amusing, and it came across as dismissive rather than helpful. I have no interest in building credit with a company that does not appear to genuinely support its customers. Life is not always sunshine and rainbows, and many people are facing real financial difficulties. Referring to your subscribers or customers as “anyone” in that context felt impersonal and disrespectful. That email alone was enough to make me reconsider my involvement with your business.
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Rewards Store/Extra decline
After Extra was acquired by Orchard, a real estate technology company, the rewards program sucks and fees rose.
Amazing
I had zero credit the 3 lines and someone told me about this app and it got my credit to 747 just by using it for everyday purchases like I was doing with my debit card if I could give 10 stars I would
Ditched me
Went through financial hardship and got ditched quick. Go elsewhere, everybody else at least lets you keep an account so you can login. Pretty silly to deactivate account an basically lock you out your own account.
Love this app
My friend suggested the app to improve my credit which it has but I also like how it buys me a few days to pay things and how I earn points which get me cool stuff for free.
Piers
They steal money and lie don’t get this card
GARBAGE COMPANY AND APP
WITH OUT A DOUBT the worst website I ever seen. I’ve seen Highscholler make a better functioning app and website than these lazy POS and they charge people to use there’s HA!. Don’t waste ur time with this POS app
Stay Away From This Card/Bank!
I’ve been a cardholder for the $108/yr membership since 2021. The credit reporting & rewards program made this an attractive offer - worth the fee. Since 2021, I have watched a steady decline in every aspect of their services & rewards. First, the took away your ability to get various retail store gift cards with your rewards points. Then, the quality of products available for point redemption went downhill steadily over the span of a couple years. Then, most of the products left that were half way decent went into a perpetual “sold-out” status. Then, as if it couldn’t get any worse, they reduced the # of points per dollar spent; making rewards products cost way more than what they are worth. Now, I’ve been trying to redeem my $140 worth of points for a product & get nothing but error msgs for 9 days now. They say they’re “working on it” and no eta on when I can redeem my hard earned points for one of their low-quality, overpriced items. In addition, the cust svc communication is exclusively through their IM feature. Early on, you could get a rep to respond within first 2hrs. Now, it takes 1-2 days, and sometimes no response at all. I will not be renewing my membership, and advise anyone new or thinking about joining to steer clear. What I have experienced is the old bait & switch technique, where they get you to join then change the offer to your detriment.
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Credit Damaging Company RUN!
The Unaligned Company will have you run in circles to connect your bank, charge you $25/month, let you jump through hoops for a card that takes 5-days to reload, to collect points to spend in their store while signaling to lenders with their $100 limit your micro loan credit worthiness. Save your money and your credit file from damage and get 2 hassle free Credit Strong $5000 lines that’ll grow into $10000 lines each and great customer service.
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Scam
I have been charged monthly for this membership and they have not reported to the credit bureau. Customer service is awful - stay clear of this scam
poor
It is a scam
Love the app
Me encanta la aplicación siempre la uso, pero casi no hay artículos nuevos y la mayoría está sold out, me gustaría que pusieran más cosas en la tienda
SHADY COMPANY AVOID
Avoid this app, company is shady
They make it very hard to cancel
This company has been charging me for like 5 years. They never sent me a card and wouldn’t let me access my account. I finally do and they want to send me a new card??? No you need to pay back the hundreds of dollars you’ve taken while providing no service to me.
Don’t recommend.
For starters, you have to pay a $25 membership fee. My limit started off at $100, there is a competitor who gave me a limit based on my bank balance, and didn’t cap me at a certain rate. On top of that, even though they took my money, apparently my virtual card isn’t working, and for a week now I’ve been fighting with customer service to get it resolved, and nothing has been fixed nor am I receiving any updates, I guarantee when the card comes in (if it ever does) it also won’t work. I don’t think it’s ever going to be fixed. By far the worst experience and customer service I have ever received and they have don’t nothing but take my money, and leave me to rot with $75 spending power. There is zero point to build credit on this platform. Stay far away from this app.
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Amazing!
Such a great service and useful tools to set you up for success
Worst CUSTOMER SERVICE EVER
Their whole program is a joke. They don’t help you build credit and their customers service is horrendous. My credit actually dropped since using this. Your spending power doesn’t update correctly unless you talk to a lazy ai chat to refresh your spending power and they take their payment out when ever they want to. It’s great for limiting your spending from your debt card however the problem is the app and the company doesn’t care as long as they’re getting money from you.
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Rewards
Bring back Amazon gift card
Trash
If you want a credit builder go somewhere else I’m 19 and all it did was report once on my credit just once and I had it for 6 months didn’t build my credit just took my money
Charges you without consent
Never agreed to a paid account and they started randomly ACH transferring money out of my bank. Don’t let them scam you.
