App freezes, slow
App either completely freezes or takes 10 seconds to load after every single button push
Broken app
Apps been broken for months, can’t see any of my payment history. Charged me twice for my balance. Ugh.
Unhelpful
I’ve called customer service multiple times to ask for updates for my new card that won’t activate and multiple times they’ve said back to me that “they’re working on it”. It’s been 2 months where I cannot use my card and I’ve been patient but they have been no help and have offered no solution or even a timeline of when I’m going to be able to use my credit card again.
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Incredibly unhelpful
Contacted the company due to an issue I am seeing in many other reviews regarding the freeze/unfreeze function disappearing. Was told they became aware of the issue as of October 1st. I reached out on the 21st. Not sure how a company just doesn’t inform you of something like this. Had no resolution and no timetable of when it could possibly be fixed. Have since emailed 5+ times with no response.
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Payments
Need to be able to get sooner access to my credit payment. Maybe offer debit payments or payment options to be paid at CVS.
App broken
A Google search shows I’m not the only one who can’t (un)freeze their card in the app. Feature broken and no sign of when it’ll get fixed.
Horrible
I just want to be able to unlock my card. This is soo frustrating and needs to be fixed ASAP
Haven’t been able to use my card for a month!!
Their data system has locked me out due to a software glitch for over a month. I contacted them about a month ago and and I still haven’t been able to use the card. They tried fixing it by ordering me a new card and then that glitched out also!!!
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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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.
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.
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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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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BAD APP!
The card is fine. It’s the app that is the worst. It’s really slow and right now. Everybody’s having a problem with unlocking their card. I have tried for three days to unlock my card in every way. Customer Service said I’m not the only one having this problem. letting me know that they fixed it. It’s been three days and I have automatic payments coming out. That got declined three times already. The app totally sucks!
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It was good until it wasn’t
I opened this card when my credit was low. I found it to be convenient and easy to use/pay/manage using the app. Until recently, I had zero issues. Then an unauthorized charge occurred and while on the phone with support, the card was deactivated (I wasn’t given the option) and a new card sent. Once I received the new card, it took two months for the activation of the card to take. An error on their end that resulted in me having several conversations as they weren’t following up. After all of this, I found that they actually sided with the merchant resulting in a reversal of the refunds but, and here’s the kicker…not only did I give proof (twice) that the merchant owned up to the charges and refunded, I have now been charged twice on their end side of Petal. They tried to call it Provisional Reversal which would be legitimate if the refunded amount was still actively in my account, only it is not. My statements only show the double charges. Now I have to appeal and go through this entire process again.
Then there’s the annual fee that I am being charged when I hadn’t had access to my card for two months. I requested a refund but was denied. At least prorate it for the loss of access.
Overall my experience has been a time suck. Once I get these extra charges handled, I will be searching for a better card and transfer my balance and close this account.
Then there’s the annual fee that I am being charged when I hadn’t had access to my card for two months. I requested a refund but was denied. At least prorate it for the loss of access.
Overall my experience has been a time suck. Once I get these extra charges handled, I will be searching for a better card and transfer my balance and close this account.
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Just don’t.
I used petal to build my credit really quickly in my early 20’s, which was great. Back then the app was seamless. Since then, it’s completely taken a nose dive in quality and has become unusable. It takes almost an entire minute after entering my password to login, the app crashes every five seconds, and doesn’t load anything properly, such as staying connected to my bank accounts. This became a massive issue after I turned autopay on to get a line increase and keep payments running smoothly on time. I discovered today that because of the app bugging out and not staying connected to my bank accounts, I hadn’t actually had a payment applied to my account in two months and was being slapped with MASSIVE interest fees and that my credit was essentially being tanked. Can’t wait to pay off my balance with petal so that I never have to open this god forsaken app again.
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One of the worst if not the the worst credit card company.
I would not rate them at all .don’t know what they are doing.No one in that organization knows how to fix a minor issue like activating the card.its been three weeks and they still don’t have an answer for that .STAY AWAY FROM THEM …….STAY AWAY FROM THEMMMMMMM.
Just Don't
Started off ok but now they charge a monthly fee that ends up at 98 dollars a year. Cancelling the card is a pain. Reporting them.
Great card but the worst app I’ve ever used
Exactly what the title says: great card but a truly awful..slow..glitchy app.
If this is the future of credit, god help us.
First, the app keeps on logging me out and turning FaceID off. I use a strong, complex password that I keep in a Password manager. To make getting to my information easier for me, I use FaceID. Petal used to allow me to remain logged in but just require FaceID to open the app. Now, even after logging in and turning FaceID back on, it proceeds to log me out, turn it off, and require me to enter a code that is sent via text. You broke something - fix it!
Second, I applied after getting one of those promo offers from Petal - get $50 or 100 statement credit if you apply within a certain deadline. So I applied; credit score was 756, I’ve got 5 current cards, with credit lines from $2000-6000. My utilization was around 10-12% but only on cards with 0% financing offers (i.e. It’s foolish not to take advantage of such deals), otherwise I don’t carry a balance. Have perfect payment history. Length of credit history is lower; my oldest card is about 3.5 years old. AND what happens? petal takes their time reviewing my application. I was ultimately approved for their Petal2 with $1500 credit limit, but a ridiculous 26.99% rate. But now we’re after that promo date, so no bonus credit for applying for me. Plus the short dip in score because of their hard pull.
The obscene 26.99% interest is strong incentive not to ever carry a balance, so that’s a good thing in general. I just ask myself - So why would I use this card? - oh the rewards - well, another bait and switch - their solicitation boasted 1.5% cash back, but once again, surprise! it’s just 1% cash back, and after 6 consecutive on-time monthly payments, it becomes 1.25%, and after another 6 monthly payments, 1.5%. Millennial
Gamification of everything is just stupid. Sorry kids, you’re not inventing anything new, nor innovating, you’re just attempting to insert yourself into this industry and you clearly don’t know what you’re doing. Sure, reward good behavior; whatever - but don’t bait and switch. There are laws about these things, perhaps get competent legal advice after you get some competent programmers.
but I digress - so Now, I’ve paid my entire balance every month, and they show me as 3 of 6 into my journey to better rewards; however their credit limit boost section shows me as 5 of 6 months along in this program, where as long as I pay my bill on time and at least a certain amount (or all) of the balance, and keep my credit score above 730, I’ll get a credit line increase after 6 months… so that will happen (we’ll see how much this is, though it’s of little value to me beyond just increasing my credit available…) but their system for allowing me to get the rewards rates they trumpeted in their solicitation materials (1.5%) is still distant. And honestly 1.5% cash back isn’t even that great. I already get that from My first card, I get more than that from my Apple Card, and my Discover card gets me 1% and 5% in certain categories each quarter. All three of those cards gave me higher limits and lower interest rates, with the last card even giving me 14 months at 0% APR. I’m also on track to have gotten $125+ cash back my first year, and I haven’t even taken advantage of all the offers (gas and warehouse stores that aren't Costco aren’t a part of my spending). Thankfully the Petal2 card doesn’t charge a fee… so I’ll keep it and use it minimally so as not to lose the credit line availability but it’s not very compelling.
Second, I applied after getting one of those promo offers from Petal - get $50 or 100 statement credit if you apply within a certain deadline. So I applied; credit score was 756, I’ve got 5 current cards, with credit lines from $2000-6000. My utilization was around 10-12% but only on cards with 0% financing offers (i.e. It’s foolish not to take advantage of such deals), otherwise I don’t carry a balance. Have perfect payment history. Length of credit history is lower; my oldest card is about 3.5 years old. AND what happens? petal takes their time reviewing my application. I was ultimately approved for their Petal2 with $1500 credit limit, but a ridiculous 26.99% rate. But now we’re after that promo date, so no bonus credit for applying for me. Plus the short dip in score because of their hard pull.
The obscene 26.99% interest is strong incentive not to ever carry a balance, so that’s a good thing in general. I just ask myself - So why would I use this card? - oh the rewards - well, another bait and switch - their solicitation boasted 1.5% cash back, but once again, surprise! it’s just 1% cash back, and after 6 consecutive on-time monthly payments, it becomes 1.25%, and after another 6 monthly payments, 1.5%. Millennial
Gamification of everything is just stupid. Sorry kids, you’re not inventing anything new, nor innovating, you’re just attempting to insert yourself into this industry and you clearly don’t know what you’re doing. Sure, reward good behavior; whatever - but don’t bait and switch. There are laws about these things, perhaps get competent legal advice after you get some competent programmers.
but I digress - so Now, I’ve paid my entire balance every month, and they show me as 3 of 6 into my journey to better rewards; however their credit limit boost section shows me as 5 of 6 months along in this program, where as long as I pay my bill on time and at least a certain amount (or all) of the balance, and keep my credit score above 730, I’ll get a credit line increase after 6 months… so that will happen (we’ll see how much this is, though it’s of little value to me beyond just increasing my credit available…) but their system for allowing me to get the rewards rates they trumpeted in their solicitation materials (1.5%) is still distant. And honestly 1.5% cash back isn’t even that great. I already get that from My first card, I get more than that from my Apple Card, and my Discover card gets me 1% and 5% in certain categories each quarter. All three of those cards gave me higher limits and lower interest rates, with the last card even giving me 14 months at 0% APR. I’m also on track to have gotten $125+ cash back my first year, and I haven’t even taken advantage of all the offers (gas and warehouse stores that aren't Costco aren’t a part of my spending). Thankfully the Petal2 card doesn’t charge a fee… so I’ll keep it and use it minimally so as not to lose the credit line availability but it’s not very compelling.
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