SHADY COMPANY Disappearing Money and Garbage Customer Service
Petal was my first credit card. Do NOT open an account. Their practices are predatory.
SHADY UPGRADE
They "upgrade" you from a 2% cash back card with no monthly fee to a 1% cash back card with an $8 monthly fee. You’re not allowed to go back. When you’re trying to build credit, closing your oldest account is a huge score loss. I had to keep my account open.
DISAPPEARING MONEY
Want to spend your cash back? THEY WITHHOLD IT. They’ve made it impossible to withdraw it to your linked checking account without calling customer service.
10/05/26: I call Tilt to withdraw my cash back. They place me on hold, but eventually say they’ll transfer it to my linked checking account. I get an email saying it’s coming via check with 7-10 days.
10/20/26: I email customer service because the cash back disappeared from my account but the check never came.
10/23/26: No response. I email again.
10/27/26: No response. It’s been 22 days. My money has disappeared and they’re ghosting me.
SHADY UPGRADE
They "upgrade" you from a 2% cash back card with no monthly fee to a 1% cash back card with an $8 monthly fee. You’re not allowed to go back. When you’re trying to build credit, closing your oldest account is a huge score loss. I had to keep my account open.
DISAPPEARING MONEY
Want to spend your cash back? THEY WITHHOLD IT. They’ve made it impossible to withdraw it to your linked checking account without calling customer service.
10/05/26: I call Tilt to withdraw my cash back. They place me on hold, but eventually say they’ll transfer it to my linked checking account. I get an email saying it’s coming via check with 7-10 days.
10/20/26: I email customer service because the cash back disappeared from my account but the check never came.
10/23/26: No response. I email again.
10/27/26: No response. It’s been 22 days. My money has disappeared and they’re ghosting me.
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Ooozoozoozooz
Awful App
Genuinely terrible app. Slow to respond, slow to load, and some components just don’t work at all. Paid off my card just to avoid having to open this app.
Ccirclont86
Great first time credit users
This was my first credit card when I turned 18 and I’ve been using it ever since eight years later I’m still using the card to this day. the companies been great and very lenient. Highly recommend.
CChico47_bean
Was happy to not happy!
So as I do with all of my cards I lock them u til I am ready to use them. I sign into my petal app to unlock to make a purchase and I could not believe that it kept giving a message that card could not unlock. I deleted app to download again and I signed back into my account and now in the settings there is no where that says u freeze card! What is going on PETAL!!!!
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FAFrustrated with petal app
Great credit card to start building your credit
This was my first ever credit card, I used it to build my credit and the app is very easy to use . The app has great features such as it gives an accurate credit score . It also show the rate of how you spend so you can control spending. You don’t need to open a bank account with Petal, you just attach your regular checking/ saving accounts from any company for your payments.
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😍😍sim
