# Firstcard: Cash Advance+Credit — user reviews > 68 indexed App Store user reviews of Firstcard by Firstcard, Inc., rated 4.40/5 from 382 ratings. - Source: https://appshunter.io/ios/app/firstcard-cash-advance-plus-credit/id1547581130/reviews - App overview in markdown: https://appshunter.io/ios/app/firstcard-cash-advance-plus-credit/id1547581130.md - Rating breakdown: 5★ 317 · 4★ 10 · 3★ 3 · 2★ 4 · 1★ 48 ## What do users think of Firstcard? Overall sentiment: negative **Pros** - 💳 Great for credit building - 💰 Helpful for budgeting and saving - 🤑 Decent cashback rewards - 👍 User-friendly app interface **Cons** - 🤖 Poor customer service and communication - 💰 High monthly fees - 🔒 Difficulty closing accounts - 🐛 Buggy and unreliable app - 💸 Questionable legitimacy and potential fraud **Commonly reported bugs** - Frequent app crashes and freezes - Issues with account access and fund transfers - Incompatibility with certain devices and services **Most requested features** - Improve account closure process - Enhance customer support channels - Provide more transparency on fees and policies ## Newest reviews (16 of 68) ### 2/5 — High monthly fees, poor communication, fleecing of people attempting to build their credit *2026-02-24* This card is absolutely closing on February 25, 2026, by the company’s own decision. This was marketed as a credit-building tool, but in practice it felt like paying a monthly subscription to confusion. The structure is extremely hard to follow. It comes with a routing number and account number like a bank account, a card component that reports like credit, and the ability to move money in and out. You can add funds, withdraw funds, and still owe monthly fees. It’s never clearly explained how these pieces work together or how they meaningfully build credit. Managing it feels more complicated than it should be. The $12–$20 monthly fee is steep for something this unclear. The shutdown has also been handled poorly. There’s been no clear explanation for why the company decided to close, and the only notice was inside the app — no formal email or mailed communication. For a financial product, that lack of direct communication is concerning. I’m giving two stars instead of one only because they’re closing the accounts for customers. Otherwise, this would be one star. It might honestly be easier to close a Comcast account than to fully understand how this card works. Bottom line: The way this closure has been handled makes me question whether the app will still be downloadable and accepting new sign-ups on February 26, 2026. Womp womp. ### 1/5 — Impossible to Close Account *2025-09-02, version 2.3.51* Impossible to close account through app like others have said, takes me through different glitches such as logging me out when you press Close Account, it feels like it was designed on purpose to be like this ### 1/5 — Can’t manually close account no matter what. *2025-08-30, version 2.3.51* Been trying to close my account for the past two months and I have to keep paying monthly fees ### 1/5 — DO NOT USE *2025-08-09* I've had an incredibly frustrating experience with this app due to its non-existent customer service. Despite sending multiple emails and several in-app requests for support, I haven't received any response for over a week. What’s even more concerning is that my funds are currently locked within the app with no resolution in sight. This lack of communication and support is unacceptable, especially when it involves financial matters. I sincerely hope Firstcard this matter soon, as this has greatly affected my trust in the app. **Developer response:** Hi sneekoo11, we’re sorry to hear about your experience and understand how frustrating this must be. This is not the experience we want for our customers. We’ll review our process to make account closure and support easier going forward. Thank you for your feedback. ### 1/5 — Scam *2025-08-07, version 2.3.49* Don’t use their service. They froze my 11400 usd’s for no reason. ### 1/5 — They froze my account and 12k$ is stuck *2025-07-30* Hi, be careful of this company. I deposited 12k$ which is now frozen and I can't use my card anymore and can't withdraw either. I am stuck and no way out. They don't reply to my email and they don't unfreeze account and there's no way to contact them either. If you care for for your money. Do not sign up. **Developer response:** Hi Adithya, Your account has been temporarily frozen after being flagged by our security system for compliance review. This is part of our ongoing efforts to keep accounts safe and secure. Our team is actively reviewing the matter. We understand this may cause inconvenience, and we’re working to resolve it as quickly as possible. You will be notified as soon as the review is complete or if further steps are required. Thank you for your patience and understanding! ### 1/5 — Fraudulent *2025-07-30* Froze my account with no notice, would refuse to acknowledge why, refused to send me a physical card, refused to let me transfer my money out because my account was "frozen" so I am not able to close my account with them. My emails have gone unopened for weeks about why my account is frozen, and they continuously beat around the bush and made excuses as to why they couldn't close my account. They claim they can't close it as it needs the money transferred out first, but to do that, my account needs to be unfrozen, but they won't respond to me when I inquire about why it was frozen or about the steps to take unfreezing it. They're just trying to bleed a subscription fee out of you. Do not use this bank/card. **Developer response:** Hi faeriedal, Your account has been temporarily frozen after being flagged by our security system for compliance review. This is part of our ongoing efforts to keep accounts safe and secure. Our team is actively reviewing the matter. We understand this may cause inconvenience, and we’re working to resolve it as quickly as possible. You will be notified as soon as the review is complete or if further steps are required. Thank you for your patience and understanding! ### 1/5 — cant close account *2025-07-06, version 2.3.48* they make it hard/impossible for you to close your account. then its hard to get in contact with people while they continue to take your money. dont use this app. ### 1/5 — closing accounts *2025-07-03, version 2.3.48* it won’t let me close my account at all ### 1/5 — No costumer *2025-06-30, version 2.3.48* They have no phone number to call and email takes about 2 days for a response.Veryy terrible customer service. Even if you reply with 5 minutes of a response they’ll take another 2 days to respond.Don’t waste your time or money on this bank.! ### 1/5 — Can’t be used for car rentals *2025-06-12* Didn’t find this little fact out until I attempted it myself and discovered car rentals have been “turned off for security reasons” for awhile now. Considering hotels are still supported it makes little sense and leads to frustrating situations. Recommend looking elsewhere if you need your credit card for actual credit card purposes. ### 1/5 — Fee to transfer money *2025-06-05, version 2.3.45* They charge 1% to move your money into your account. ### 1/5 — Only signed up due to offer *2025-04-26, version 2.3.42* Safe to say they didn’t honor it I’m requesting a refund. Grimy stuff . I don’t like it ### 1/5 — Slow and buggy *2025-04-26, version 2.3.42* Sometimes the app doesn’t work correctly if you’re going through the settings too quickly and then you’re stuck on a white screen that takes forever to load. ### 2/5 — App problems *2025-04-25, version 2.3.42* The app doesn’t have any one to talk to such as I have a problem paying a one time payment into my credit builder balance its just blank responders take 1-2 days to respond or they just don’t ### 1/5 — Hard to close an account *2025-04-06* Account balance $0.00, all deals are settled, still couldn’t close the account, the company doesn’t have a phone to call, or it does just couldn't get through them forever. Normal answering emails time 48-72hours or more. And I still can't see my credit score. Complete waste of a month and subscription fee. **Developer response:** Hi, Thank you for sharing this feedback. We’re sorry for the frustration. In some cases, accounts can’t be closed immediately if there’s pending interest earned. This may be the reason you’re experiencing the delay. Our team is happy to review your account directly and help resolve this for you. We’ll also continue working on faster response times so you can get support more quickly. ## Most critical reviews (10 lowest-rated) ### 1/5 — Questionable legitimacy *2026-01-28* What was the point of using this card to build credit? You took more money than you admitted to receiving, there was zero customer service. Was it all a hack to get people’s faces and personal information? I’m highly suspicious. Haven’t even had the account open for six months and the whole things going under? What a fraud. I’m pulling out of Credit Karma for recommending this card in the first place. ### 1/5 — Almost unbearable *2026-01-20, version 2.3.58* Too complicated, and too unreliable. It is guaranteed to crash or go “offline” every other time. How is Apple letting this level off buggy apps on the AppStore is beyond me. ### 1/5 — Almost unbearable *2025-11-25, version 2.3.55* Too complicated, and too unreliable. It is guaranteed to crash or go “offline” every other time. How is Apple letting this level off buggy apps on the AppStore is beyond me. ### 1/5 — Don’t install *2025-11-14, version 2.3.55* Makes you feel hope for finally getting a card, wasting time and making you put in all your info for nothing because at the end you have to pay ### 1/5 — Skip using *2025-10-21, version 2.3.53* Not great overall. App never functions properly ### 1/5 — bad experience *2025-10-09, version 2.3.53* I deposited money into my Firstcard secured card, but my account was suddenly closed without notice and my funds disappeared. The company does not reply to emails or refund requests. ### 1/5 — NO USES ESTO!!! *2025-09-30, version 2.3.53* Es un robo y es extremadamente frustrante, no tienen servicio al cliente, me bloquearon las tarjetas y no dan opción de mover mi dinero a otro banco! Básicamente mi dinero está estancado ahí sin poder usarlo y sin quien responda siquiera un correo diciendo que debo hacer! Horrible experiencia! ### 1/5 — do not use *2025-09-27, version 2.3.53* Don't use this scam. It will deduct money from the bank account you requested for the card, for no apparent reason, not once, not twice. Whatever you do, don't use it. This is advice from someone who's been scammed. ### 1/5 — Cannot close *2025-09-17, version 2.3.51* When I stopped using this account I tried to close it and they will not let me so now they keep trying to take out money when I cannot close it ### 1/5 — My money got wiped out *2025-09-16, version 2.3.51* They stole my 11500 usd. Emailing them every single day and they are not replying. Don’t trust this app ## Most praised reviews (10 highest-rated) ### 5/5 — Speechless *2025-11-08, version 2.3.55* Easy to used approve fast ### 5/5 — Excelente App *2025-10-21, version 2.3.53* Lo mejor ### 5/5 — I works OK *2025-07-19, version 2.3.49* It works well for me. ### 5/5 — Best card ever!! *2025-03-24, version 2.3.37* This is the best card! My credit score improved in a short time. Thank you, First Card!! ### 5/5 — Great card *2025-03-09, version 2.3.36* Great card ### 5/5 — Firstcard is wonderful *2025-02-12, version 2.3.34* I give it a 10 out of 10 ### 5/5 — Nice app *2025-01-30, version 2.3.34* Love this app great for CreditVana ### 5/5 — Great Customer Support *2025-01-26, version 2.3.33* I had an issue and they fixed it in 2 days, + they gave me a free month ### 5/5 — Real *2024-11-16, version 2.3.26* Love love love ### 5/5 — Absolutely heaven sent Credit Builder Card. *2024-11-13* This credit builder takes effect on your credit in what feels like instantly. They report in absolute detail in regards of your current status of your account with them. I’ve seen improvement to my credit in only a short time when I initially opened my account with them. If you’re looking to improve your credit, trust me this Credit Builder card is definitely worthy. --- *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 2026-08-30.*