High monthly fees, poor communication, fleecing of people attempting to build their credit
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.
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.
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Questionable legitimacy
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.
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Almost unbearable
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.
Almost unbearable
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.
Don’t install
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
