Grain: The Digital Credit Card

Grain: The Digital Credit Card

Credit For Your Debit Card

36K ratings
106 reviews

Archived App (Last seen on 12 Mar 2025)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • December 4, 2019
  • April 17, 2024

Features

Grain: The Digital Credit Card screenshot #1 for iPhone
Grain: The Digital Credit Card screenshot #2 for iPhone
Grain: The Digital Credit Card screenshot #3 for iPhone
Grain: The Digital Credit Card screenshot #4 for iPhone
Grain: The Digital Credit Card screenshot #5 for iPhone
Grain: The Digital Credit Card screenshot #6 for iPhone
Grain: The Digital Credit Card screenshot #7 for iPhone
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About

Build credit and increase your credit line with a small initial deposit and no credit check. Instantly access and use your credit as cash. The app reports to credit bureaus and offers personalized tips to improve your score.

Build credit history
Increase credit line
No credit check required
Instant credit access
Monthly credit reporting
Personalized credit tips
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What users say

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What's New in Grain

8.7.4

April 17, 2024

• Remove option to Sign Up – “Open a Credit Account” and replace it with single option to “Sign In” • Added feature to enable “Include Past Due” as part of Auto-Pay functionality. • Minor enhancements • Bug fixes

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User reviews

App is going out of business

App no longer works. They are going out of business.

App no longer works

The app hasn’t allowed a log in for several months. I doubt it’s being supported anymore. It started going down hill when the app/bank started offering settlements on outstanding loans. Owe $300? Pay $150 and be settled in full. Bet the bank just wanted out as the app was collapsing. I’d say don’t sign up, but you can’t anyway
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App will not open

I can’t get into the app to check my account. Last time I checked it said I was getting a refund and my account was paid off. But today I received a message saying that I still owe. But I can’t even get into the account to verify. Call the number on the statement but no answer. What I’m supposed to do? I need help.
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Terrible customer service

App does not work. It’s been frozen for months. Customer service never responds and if they do it’s a copy and paste generic answer. Random charges to your account that don’t make sense. I closed my account but they still charged my card for a deposit fee without notice. When I reached out they stated to reconnect account to have deposit returned. Then they stated they would mail a check and I haven’t heard from them since. Do not use this sketchy app. The app does not work. I cannot sign in so I can have my security deposit returned. I am going to pursue legal action if this company continues to ignore me. They STOLE my money.
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thieves

they will steal your deposit and not give you a way to get it back. should be criminally investigated

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User experience

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Reported Bugs

3 issues

App crashes and freezes

Bug

Inability to access account and make payments

Bug

Incorrect credit reporting and late payment notifications

Bug

Requested Features

3 requests

Improve customer service and communication

Feature

Provide more transparency and control for users

Feature

Ensure reliable and secure banking integration

Feature

FAQ

What is this app?

This app provides a digital credit card service designed to help users build their credit history. It allows you to access credit with a small initial deposit, without requiring a credit check or a physical card. The service reports your payment activity to all three major credit bureaus monthly.

How does it help build credit?

The app helps build credit by reporting your on-time payments to the three major credit bureaus. By using the credit responsibly and making timely payments, you can establish a positive credit history, which can lead to an improved credit score over time.

What are the fees and costs associated with this service?

The service has a 15% APR and a 1% finance charge on credit advances. There is also a one-time sign-up fee and a monthly service fee. Specific details regarding these fees can be found in the app's Credit Agreement and Terms of Service.

Is this app available everywhere?

No, this app is currently available only in specific states: Maryland, Minnesota, New Hampshire, Ohio, and Utah. Availability may change, so it's advisable to check the app's official information for the most up-to-date details.

How quickly can I start using the credit?

You can get a credit offer in minutes by linking your primary checking account. After placing a $25 security deposit, you can start using your credit almost immediately. The credit can be instantly transferred to your linked checking account and used as cash.