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
Speechless
Easy to used approve fast
Excelente App
Lo mejor
Skip using
Not great overall. App never functions properly
bad experience
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.
NO USES ESTO!!!
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!
do not use
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.
Cannot close
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
My money got wiped out
They stole my 11500 usd. Emailing them every single day and they are not replying. Don’t trust this app
Impossible to Close Account
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
Can’t manually close account no matter what.
Been trying to close my account for the past two months and I have to keep paying monthly fees
DO NOT USE
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.
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Response from developer
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.
Scam
Don’t use their service. They froze my 11400 usd’s for no reason.
They froze my account and 12k$ is stuck
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.
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Response from developer
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!
Fraudulent
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.
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Response from developer
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!
I works OK
It works well for me.
