# Grain: The Digital Credit Card — Credit For Your Debit Card > Digital credit card service for building credit with a small deposit. (iPhone/iPad app by Summit Technology Consulting Group, LLC.) - Source: https://appshunter.io/ios/app/grain-the-digital-credit-card/id1410559121 (this page in markdown: same URL + `.md`) - Developer: [Summit Technology Consulting Group, LLC](https://appshunter.io/developer/1725945385) - Category: Finance, Education - Price: Free - Rating: 4.53/5 from 36,269 App Store ratings · 106 written reviews indexed - Age rating: 4+ - Requires: iOS 12.0 · 68 MB - Languages: English - Released: 2019-12-04 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/grain-the-digital-credit-card/id1410559121/reviews.md ## What is Grain? Grain helps build your credit and increase your credit line with only a $25 initial deposit. No credit check or physical card. Grain is available in Maryland, Minnesota, New Hampshire, Ohio, and Utah. • Get an offer in minutes - link your primary checking account and see your credit offer in minutes. • Fast access to credit - Start using your credit after placing just $25 of the security deposit. • Use credit in seconds - instantly transfer credit to your linked checking account and use it as cash, from your debit, or any way you’d like. • Build credit - on-time payments help build your credit. Auto-pay drafts monthly minimum payments before your due date to avoid late and overdraft fees. • Pay deposit in installments - unlock more credit with every installment placed. • Credit reporting - we report your account activity to all three credit bureaus monthly. • Fees - 15% APR and a 1% finance charge on credit advances. A one-time sign-up fee and monthly service fee apply. See Credit Agreement and Terms of Service for more details. • Personalized credit tips - adjust your credit management habits and improve your credit score through actionable recommendations. • Security taken seriously - we protect your data with 256-bit bank-level encryption, and we are FDIC insured. *Credit offer dependent on cash flow in linked checking account. See Credit Agreement and Terms of Service for further details. Grain is headquartered at: 505 14th St Suite 900 Oakland, CA 94612 Grain Help Line: 1 (833) 755-0809 Customer Support: https://graincustomersupport.zendesk.com/hc/en-us Terms of Service: https://trygrain.com/termsofservice/ Privacy Policy: https://trygrain.com/privacypolicy/ ## Key features - Build credit history - Increase credit line - No credit check required - Instant credit access - Monthly credit reporting - Personalized credit tips ## What do users think of Grain? Overall sentiment: negative **Pros** - 🚀 Helped build credit - 💡 Innovative credit-building approach - 🚀 Quick approval process **Cons** - 🐛 Buggy app and poor customer service - 🔒 Security and privacy concerns - 🔒 Disconnected bank accounts and missed payments - 🔒 Negative credit impact due to company's actions **Commonly reported bugs** - App crashes and freezes - Inability to access account and make payments - Incorrect credit reporting and late payment notifications **Most requested features** - Improve customer service and communication - Provide more transparency and control for users - Ensure reliable and secure banking integration ## Recent user reviews (10 of 106) All indexed reviews: https://appshunter.io/ios/app/grain-the-digital-credit-card/id1410559121/reviews.md ### 2/5 — App is going out of business *2025-02-14, version 8.7.4* App no longer works. They are going out of business. ### 1/5 — App no longer works *2025-02-03, version 8.7.4* 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 ### 1/5 — App will not open *2025-02-03, version 8.7.4* 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. ### 1/5 — Terrible customer service *2025-02-01, version 8.7.4* 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. ### 1/5 — thieves *2025-01-29, version 8.7.4* they will steal your deposit and not give you a way to get it back. should be criminally investigated ### 1/5 — Can’t log in *2025-01-29, version 8.7.4* The app is just stuck in loading mode ### 1/5 — Grain Technology Inc - Ruined My Credit Over $1?!? *2025-01-28, version 8.7.4* I thought Grain Technology Inc was a safe way to build credit, but instead, they damaged my credit history over a ridiculous $1 write-off! • My account was paid and closed, yet they still reported a charge-off for just $1! • Now, my credit report shows a negative mark that will stay on record until 2028—all over one dollar! • This is beyond unreasonable. How does a paid-off account still get a derogatory status? • I’ve disputed this with Experian, but the fact that it happened at all proves Grain Technology is completely unreliable. Final Verdict: Avoid Grain Technology Inc! This company falsely reports negative marks on your credit, even after you’ve paid off your account. If they can damage my credit over $1, imagine what they’ll do with a real balance. Stay away unless you want pointless credit damage! #GrainTechnology #CreditScoreDamage #UnfairChargeOff #CreditRepairScam ### 1/5 — Never works *2025-01-26, version 8.7.4* The app never works it loads and loads and loads and nothing happens it’s been telling me it’s going to make 2 small deposits on my account for over a week and everyday it says by 5pm tomorrow. The last 3 days it doesn’t even work App still doesn’t work I can’t even log in what trash! ### 1/5 — THE APP NEEDS REWORK *2025-01-24, version 8.7.4* the app is broken many people I know is having the same issue to login in and it’s stuck on the loading screen. ### 5/5 — No longer working! *2025-01-22, version 8.7.4* Used for 3years! No longer offering credit line! ## Frequently asked questions about Grain ### 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. ## Version history (last 5 releases) ### 8.7.4 — 2024-04-17 • 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 ### 8.7.3 — 2024-02-22 • Minor enhancements • Bug fixes ### 8.7.2 — 2024-02-01 • Minor enhancements • Small bug fixes ### 8.7.1 — 2023-11-09 • Minor enhancements • Bug fixes ### 8.7.0 — 2023-11-01 • Connect to your bank account in a new way for making withdrawals and payments • Minor enhancements • Bug fixes ## Apps similar to Grain | App | Rating | Price | Category | | --- | --- | --- | --- | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (835,567) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (130,346) | Free | Finance | | [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (498,486) | Free | Finance | | [Cleo AI: Cash Advance & Budget](https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646) | 4.7 (233,175) | Free | Finance | | [Beem: Cash Advance & Banking](https://appshunter.io/ios/app/beem-cash-advance-and-banking/id1525101476) | 4.2 (29,695) | Free | Finance | | [Grid Money](https://appshunter.io/ios/app/grid-money/id1473180914) | 4.6 (27,387) | Free | Finance | --- *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 2026-06-10.*