# Extra — user reviews > 156 indexed App Store user reviews of Extra by The Aligned Company, rated 4.64/5 from 9,527 ratings. - Source: https://appshunter.io/ios/app/extra/id1489550124/reviews - App overview in markdown: https://appshunter.io/ios/app/extra/id1489550124.md - Rating breakdown: 5★ 8,122 · 4★ 558 · 3★ 148 · 2★ 83 · 1★ 579 ## What do users think of Extra? Overall sentiment: positive **Pros** - 🚀 Game changer for building credit - 👍 Friendly and helpful customer support - 💡 Informative financial education videos - 🚀 Seamless and convenient credit building - 👍 Great for budgeting and money management - 🚀 Significant credit score improvements - 👍 Excellent customer service and support **Cons** - 🐛 Inconsistent bank account syncing and balance updates - 🔒 Concerns about security and fraud protection - 🔒 Inability to cancel subscription easily - 🔒 Unauthorized changes made to accounts **Commonly reported bugs** - Rewards page bugs and issues - Inconsistent spend power limits and increases **Most requested features** - Reporting to all three major credit bureaus - Ability to cash out reward points - Faster bank account syncing and balance updates ## Newest reviews (15 of 156) ### 2/5 — Rewards Store/Extra decline *2026-07-20, version 3.6.10* After Extra was acquired by Orchard, a real estate technology company, the rewards program sucks and fees rose. ### 3/5 — GARBAGE COMPANY AND APP *2026-05-31, version 3.6.9* 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 ### 1/5 — Worst CUSTOMER SERVICE EVER *2025-10-04, version 3.4.2* 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. ### 4/5 — Rewards *2025-09-23, version 3.3.7* Bring back Amazon gift card ### 1/5 — Trash *2025-08-25, version 3.3.7* 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 ### 1/5 — Charges you without consent *2025-08-10, version 3.3.6* Never agreed to a paid account and they started randomly ACH transferring money out of my bank. Don’t let them scam you. ### 1/5 — GARBAGE..Stay far away customer serviceis horrible *2025-08-09, version 3.3.6* They were 100% no help. Continued to take money even though I was trying to cancel account. For over a year they refused to close my account.. Scam. should be banned from apps store ### 1/5 — SCAM don’t use this *2025-07-27, version 3.3.6* I’m writing to share my experience with this service. I started using it after 3 or 6 months, hoping it would improve my credit score. However, it didn’t make any significant changes and my credit remained stable. The customer service was also very poor, with slow and unclear communication. I decided to cancel my subscription, but I couldn’t do so directly through the app. I had to email the team to cancel, which was a hassle. When I requested to cancel, I received a very slow response. I thought my subscription had been canceled after 3 years, but it was still active. I was shocked and felt like I had been scammed. Initially, the subscription cost $8 per month, but it was later raised to $20 per month. I felt like this was a waste of my money. I’m wondering why they didn’t include a cancel subscription option in the app. It would have been much easier for me to cancel if it had been available. ### 1/5 — Customer service *2025-07-21, version 3.3.6* The card does what it says it’s going to do, build credit. The only downside is when it comes down to customer service. Can’t cancel through the app, you have to contact them. And the number they have is automated so you don’t really get to talk with anyone. ### 1/5 — Poor customer service and policies *2025-07-08, version 3.3.6* They are unwilling to assist with the most basic issues and once you close your account you can never open another down the line which they fail to mention. ### 1/5 — Super weird *2025-05-28, version 3.3.6* My credit score went down 56 points as soon as I closed my account. ### 1/5 — Stay far away customer service is horrible *2025-05-26, version 3.3.6* They were 100% no help. Continued to take money even though I was trying to cancel account ### 1/5 — Save yourself a headache *2025-05-23, version 3.3.6* It’s a hassle to keep up with this and if you’re not constantly monitoring it, it will wreck your credit. There’s also no real live people to talk to in customer service so good luck with disputes or issues. ### 1/5 — Idk *2025-05-21, version 3.3.6* Won't allow me to make an account because my bank account was closed ### 4/5 — App support is very good on the app *2025-05-18, version 3.3.6* This is a very good application and build credit instead of using a virtual card instead of using an actual cars on the best apps of you down your Credit score ## Most critical reviews (10 lowest-rated) ### 1/5 — Petty Email Advertisement/Bad Marketing Strategy *2026-07-22, version 3.6.10* 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. ### 1/5 — Ditched me *2026-07-08, version 3.6.10* 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. ### 1/5 — Piers *2026-06-10, version 3.6.9* They steal money and lie don’t get this card ### 1/5 — Stay Away From This Card/Bank! *2026-05-13, version 3.6.9* 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. ### 1/5 — Credit Damaging Company RUN! *2026-04-06, version 3.6.8* 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. ### 1/5 — Scam *2026-03-09, version 3.6.7* 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 ### 1/5 — poor *2026-02-15, version 3.6.7* It is a scam ### 1/5 — SHADY COMPANY AVOID *2025-11-01, version 3.4.2* Avoid this app, company is shady ### 1/5 — They make it very hard to cancel *2025-11-01, version 3.4.2* 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. ### 1/5 — Don’t recommend. *2025-10-22, version 3.4.2* 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. ## Most praised reviews (10 highest-rated) ### 5/5 — Amazing *2026-07-14, version 3.6.10* 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 ### 5/5 — Love this app *2026-07-07, version 3.6.10* 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. ### 5/5 — Love the app *2026-02-09, version 3.6.7* 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 ### 5/5 — Amazing! *2025-10-05, version 3.4.2* Such a great service and useful tools to set you up for success ### 5/5 — Worked GREAT *2025-08-09, version 3.3.6* I literally never leave reviews on any platform whether something was HORRIBLE or Amazing. But I just wanna leave a review on here about Extra Because it literally came through for me big time. Although you gotta learn how to use it and as you’re using your own money pretty much in literally less than 3 months my credit score shot up 90 POINTS just by extra. I couldn’t believe it myself my credit score was horrible, embarrassing, and extra was the start on building it back up! Might not be for everyone but if you do it right it’ll work out just fine! ### 5/5 — Amazing Experience with Extra *2025-04-29, version 3.3.5* I recently signed up for Extra and my experience has been nothing short of fantastic. One of their customer service reps, Franco, made the whole process incredibly easy for me. He was extremely helpful. He walked me through how the app works, helped me set up my account and card, and even showed me how to link my bank information seamlessly. It was all so smooth and stress-free thanks to his support! While Extra does have a monthly subscription fee, I love knowing that the payment is actually going toward something positive like building my credit. It feels like a smart investment in my future. Overall, my experience with Extra has been great, and it’s clear that their reps, like Franco, are a big part of what makes the service so user-friendly. 100/100 would definitely recommend to anyone looking to easily boost their credit! ### 5/5 — Extra is Top tier *2025-01-17, version 3.3.1* Extra is my first ever Credit card, and I love that, because I was always taught that owning a credit card was a bad thing, especially if you’re a beginner, but I thought, how would I ever learn if I don’t get one, so I had stayed away from Credit indefinitely from all the discouragement I had received, until one day I saw an ad about Extra and their Credit building model, and I knew this card was for me, and for anyone else who’s starting out looking to grow credit, I enjoy them from their Credit Card to their customer service and I know you will also ### 5/5 — Works *2024-10-16, version 3.2.34* I started off around a 250 credit score now at 740 so it definitely works, never had any issues. Card works fine anywhere ### 5/5 — Great customer service *2024-09-19, version 3.2.34* Been using this service for a while now, had helped immensely in building my credit score without typical shortfalls typical credit cards have. They have great and fast customer service, they have been able tl help my with any issues or questions I’ve had since I’ve been using them. Would highly recommend to anyone looking to build credit without using the typical credit card rout ### 5/5 — Everyone needs Extra! *2024-09-18, version 3.2.34* I have been using this card since 2021 & I can truly say it is amazing. The customer service is truly awesome & quick to respond. This card also has helped my credit so much & you even build up points to get FREE items or gift cards!! Totally recommend! --- *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 2026-08-26.*