# Gauss: Payoff Credit Card Debt — user reviews > 65 indexed App Store user reviews of Gauss by Gauss Rewards LLC, rated 4.90/5 from 3,748 ratings. - Source: https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443/reviews - App overview in markdown: https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443.md - Rating breakdown: 5★ 3,647 · 4★ 38 · 3★ 9 · 2★ 7 · 1★ 47 ## What do users think of Gauss? Overall sentiment: negative **Pros** - 🚀 Fast credit building - 💡 Helpful credit tracking and budgeting tools - 👍 Intuitive app design and user experience **Cons** - 🐛 Buggy app and login issues - ❌ Misleading or false advertising - 💰 Unexpected fees and charges - 🚫 Limited availability and accessibility **Commonly reported bugs** - Account deletion and data removal problems - Inconsistent app functionality across devices **Most requested features** - Ability to remove connected accounts - Customizable payment prioritization - Improved customer support and responsiveness ## Newest reviews (10 of 65) ### 2/5 — Don’t use if you want fast help *2026-06-23, version 1.6.49* I don’t know if this is actually going to benefit me. Right now it seems insane to pay for something you can’t get customer service on. It has taken almost a week to get verified and support will go more than a day without responding on the chat. ### 3/5 — Glitchy *2026-03-19, version 1.6.23* Frequently thinks my bank account is not linked. Then when I attempt to re-link it the app doesn’t recognize it as the primary checking account and continues to show an error. Then I have the account listed multiple times and cannot remove any accounts. ### 5/5 — Cool idea *2026-02-01, version 1.6.14* So far so good! Want to build up my credit history ### 5/5 — Gauss *2026-01-30, version 1.6.14* Writing review. Good care just started hope I get line of credit. ### 5/5 — They great *2025-12-18, version 1.6.05* Helped me build my credit fast!! ### 2/5 — Might be good if they were upfront *2025-12-06, version 1.6.04* So, this is not a real credit line! It’s just for reporting to your credit. You are not able to get any cash advance, but they make you pay $8.99 before they truly explain. It’s in the “How it works” guide. ### 3/5 — Keeps getting ai bot *2025-11-07, version 1.5.92* Having trouble getting in contact with support ### 1/5 — Scam *2025-10-06, version 1.5.88* Looked really good at first but than I can’t even use it with half of my accounts so it make it worthless? Now I’m out of 40$+ because they don’t off refunds’ ### 5/5 — Best app ever *2025-10-03, version 1.5.87* Awesome app ### 1/5 — Terrible app *2025-09-02, version 1.5.81* Originally this app was great but quickly went down hill. You are unable to pay your Gauss bill through the app itself. You have to make payment through stripe. ## Most critical reviews (10 lowest-rated) ### 1/5 — Takes your money - do not use *2026-07-20, version 1.6.54* I tried the app… they took my money and offered no benefits. I tried messaging into support and received no response. I requested a refund about 30 times and still have yet to hear from their support team. ### 1/5 — Response *2026-06-21, version 1.6.48* When will a team from gauss respond? ### 1/5 — Waste of time *2026-05-23, version 1.6.39* Don’t waste your time ### 1/5 — Account Creation? *2026-04-03, version 1.6.27* 1/5 Stars simply because in the processs of my account “creation” I was choosing a pw. Well it told me to log in & long story short….well I couldn’t remember my pw (it was complex. & then I couldn’t even get into my account because there is no email associated with my account & meaning this app did nothing for me. I deleted it immediately because what’s the point? If you can’t even get into your account? ### 1/5 — Scam *2026-03-26, version 1.6.26* cannot be canceled any time. 12-month plan. their docs don’t show any useful information like what happens to the tradeline once cancelled. once cancelled you still owe money even before the due date like their docs mention. app also doesn’t show any in app purchases when downloaded but once you set it up, it’s a whole subscription thrown in your face. i’d not recommend this. ### 1/5 — False Advertising *2025-12-04, version 1.6.03* I read a previous review of someone displeased because they covered the membership fee but still was not able to use all the features & this is correct! They charge $6.99 to start but “cancel anytime”.. how is this not paying $6.99 just to be not eligible for a loan? Scam. Use your discretion wisely. ### 1/5 — Doesn’t work *2025-11-29, version 1.6.01* I downloaded this app. Within the first steps I knew it wasn’t for me. I entered my phone number never got the text. I tool it as a sign and deleted it. ### 1/5 — Bad experience *2025-11-03, version 1.5.92* They took my $15 after it says they dont take it until after the free trial and now i cant even get into the app to get it back it just loads. ### 1/5 — Don’t Waste Your Time *2025-10-16, version 1.5.89* Came across an ad on TikTok about the credit line with lower APR. Nothing was disclosed until they took all my information to say “not available in your state”. This should’ve been disclosed instead of me WASTING MY TIME. ### 1/5 — Impossible to reset password *2025-10-13, version 1.5.89* It isn’t possible to reset your password. It asks for your phone number, then when you click forgot password it says “no email” ## Most praised reviews (10 highest-rated) ### 5/5 — SantaClawz *2026-08-13, version 1.6.56* This really works everyone try to improve your score this is a must ### 5/5 — Great *2026-08-11, version 1.6.56* Great app ### 5/5 — Love it so far! *2026-08-09, version 1.6.56* First, let me say this, everyone has their own opinion. Now, I signed up at the end of July (July 30) and already my credit went from 605 to 623. Didn’t take long at all. This is not a line of credit that you can use to buy things, it is only used to build credit. Just a heads up for anyone wanting to try it, it is not a cash advance or actual loan that will be sent to your account! But, it works! It’s been YEARS since my score has been this high because I keep messing it over. Every time it gets close to 600, I lower it by applying for things that decrease it because I know I won’t be approved but want to try anyways. Give it a try. My subscription is less than $10 a month. And to make it better, they have 2+ trade lines, I have 2 of them and only paying $7.98 total per month. They have add-ons for extra fees and an extra credit boost, but still, only do what you can afford! ### 5/5 — Love it *2026-06-06, version 1.6.43* I do ### 5/5 — Satisfied *2026-05-01, version 1.6.34* Thank you for the easy setup ### 5/5 — Review *2026-04-30, version 1.6.34* The app helped me so much with my credit ### 5/5 — Credit *2026-04-17, version 1.6.30* Helps a lot ### 5/5 — Easy approval *2026-04-08, version 1.6.29* Love them they don’t charge to much and no extra hidden fees is real! I thought nobody could help me with my credit but for $10 a month they have many benefits! ### 5/5 — Great *2026-03-24, version 1.6.25* Great ### 5/5 — It works!! *2026-03-02, version 1.6.18* So I never leave reviews but if anyone is trying to rebuild their credit or struggling like I am this works! Just from adding this account alone my credit jumped up 15-20 points, I feel so relieved. --- *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.*