Scam app
Complete scam app, they’ll request you to pay the amount you want to before before they borrow it to you, don’t create an account with them, it’s a scam!
Response from developer
Hi , we’re sorry this was not clear. You were likely offered a secured credit card because you did not yet qualify for an unsecured card. The 1:1 refundable cash collateral is not a scam or hidden fee. After 3 billing cycles of on-time repayment within 28 days, you may qualify to graduate to an unsecured card.