Good but inconvenient
I’ve been a member for over a year and I was intrigued that I can build my credit and work my way to an unsecure card. I completed the challenges for 5 months. The site said I was eligible and I was promised a card but never received it. Also when I lost my debit card they told me they’ll send another but that was 5 months ago. I called again and I was told they have a card shortage but simce they report on my credit I have to keep the card open. If you can get use to the idea of this being a virtual card company then you’ll be okay, but if u need a card for any circumstance *atm withdrawls* think again, you’ll be stuck with money in your account and no way to access it.
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Little to no customer support/ don’t download
This credit account is now classified as “delinquent” on my TransUnion credit report although it has been paid? I was under the assumption that the entire concept behind opening a “SECURED CREDIT” account was to ensure that my money would cover any expenses charged on my SABLE-ONE CREDIT CARD in the event of an emergency. Under my previously stated assumption, the occurrence of several unauthorized transactions on my card would be an emergency, but not to sable, it’s a miracle to even get any kind of response from them. After giving up on getting the fraudulent charges removed, and having taken care of the balance, I want this issue addressed immediately. The level of support offered by Sable is entirely unprofessional, not to mention customer service has been nothing but lousy at best. After realizing what had happened, I paid the other “$0.16” that I owed on this card. Sable received all funds, which involved 30 dollars from secured funds, and a payment with the “remaining balance” was made. An account that should have been “secured” has negatively affected my credit score, dropping it from 654 to 530. Both parties could have avoided this situation with the proper care and communication from the Sable team. There was no connection on behalf of Sable concerning my account, which is absurd.
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Don't bother
Over a year ago I got this card because I was trying to improve my credit and they promised a quick and simple path to getting an unsecured credit card. I put a $1200 balance on the card and used it consistently, made every payment on time, and follow all of the steps that they listed to get unsecured. Fast forward over a year later. This is still a secured card for me. A Discover card I got at the exact same time graduated me to unsecured much sooner. I have also had issues with linking my bank in the past. And I have read lots of reviews about people not even getting their cards on time. I love the idea of this card, I love the simplicity of the sign up and the fact that you get your virtual card right away. But this company fails to meet its promises, customer service is unhelpful, and if you are able to, there are better options out there.
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Response from developer
---------------------------------------------- Maricela Noguera, Apr 7, 2023, 09:59 EDT Hello, Thanks for reaching out to Sable. It looks like you contacted us from a different email address than what we have on file for you. Security is our top concern, so in order to assist you further, we ask that you contact us from the email you use for your Sable login. If you don't know what that is, please give us a call and we will verify and assist you over the phone.
SABLE BANK + SABLE CREDIT
With all honesty and respect it’s aiiite, it’s nothing spectacular or no WOW factor behind it. I have thousands upon thousands pushed thru my account every month just from payroll and not including Zelle Or Cashapp. I wish I could get more incentive of cash back and it would be dope to have an easier process to both load funds on my account abroad when I’m visiting family in Calgary, AB and trying to move or transfer funds from my checking account to my credit card balance. Oh yeah it needs improvement with features and notifications such as when I have payroll deposited in my account and sh•t like that. All in all it’s decent for a no name financial institution that I’ve never heard of up until last year (2022)
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Scam company, positive reviews are fake
Going on 8+ months without a physical credit card or debit card. These were promised to me as soon as I signed up and was given the account. I have only been able to use my credit card if I shop online. In order to graduate to unsecured credit they require you to hit a ton of milestones every single month for 3 months in a row and if you miss even one milestone you have to start all over again. Kind of hard to hit all the milestones especially # of purchases and amount spent if I can’t even use a card in person when I’m out shopping, getting gas, or going out to eat. As soon as you express your concern to customer service they ghost you. DON’T GET INVOLVED WITH SABLE!
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THE single worse bank ever
They will take out money from your account and have no explanation why nor will return it. I’ve had rewards stuck in my account for almost a year, that I can’t withdraw, I asked for assistance but they gave me a dumb excuse and never fixed the problem. 10 days ago $20 were taken out of my account and sable had no answer for it, I spent hours on the phone with a rep trying to fix the issue and get my money back, they told me they would call me back when they figured out what happened and I never got a response from them. They also allow random transactions to be pulled out of your account even while your cards are locked/inactive, and it’s extremely difficult to get a hold of them to dispute any transactions, on top of that they offer such poor and unprofessional customer service. I’m so fed up with this bank and if I had another choice I would’ve switched to a different one already, yet I will VERY SOON
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Disappointed with Sable
Not happy with Sable. I’ve been using this app for 6 months now. I’ve made on time payments and met each milestone each month. They will not graduate me to unsecured credit because they state they no longer offer unsecured credit at this time and couldn’t give me an estimated time on when they will be offering it again. It also is no longer compatible Zelle. My reward points doesn’t add up to my purchases in my credit line and my deposits still hasn’t updated for this month. I’m very disappointed with Sable.
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Working fine for me
I’ve been using this for a couple months now and everything has been fine except for they can’t seem to send physical cards and now the car just say they’re canceled. But that’s OK. I just have to pay everywhere that excepts it and my digital cards work just fine. I’m on month three towards my path to stick to a unsecured credit card. We’ll see what happens.
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Say NO to Sable
If I could give negative stars I would. I applied for the card three months ago and transferred $5000 for my credit limit. I set up a $250 direct deposit and have followed all the rules to get the unsecured card. I have yet to receive a credit card or debit card after three months. They DO NOT answer the phone and are clueless when you email with them. They say there is a problem with their credit card supplier. I think that is a lie. When I lose my debit card from the my bank they replace it immediately. Something is wrong with Sable. I'm not sure if it's nefarious or not but who ever heard of a credit card company with no credit cards? If you're looking for a high limit secured card try Chime. I would not use Sable. Their customer service is nonexistent.
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I use to rock with this company
Sable was a great idea, it did help me build up my credit, but these people are almost impossible to get in contact with you can send them a message thru, email, chat, or call still no answer. This is the worst bank at protecting your money. I disputed to charges that was not mind and still had to end up paying these charges. I been waiting two months for my debit and credit card, I could keep going, stay away from this bank and get you a traditional bank, at least you know your money will be protected
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Worst experience
Avoid these guys at all cost. I opened an account two months back and have yet to receive my physical cards. They send a delayed response back stating that they are working with their manufacturer to get the cards out but there is a delay. Yesterday I received an email stating that they have closed my credit account due to inactivity. At that time I contacted their support stating that they are reassessing their business plans and are not issuing or reopening closed accounts. I’m so happy I never transferred any significant funds to these accounts. It sounds to me they’re going out of business.
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Still no physical cards after 2 months
I started using this company in September 2022 for the purpose of building credit. I was expecting to get my cards in the mail in the usual 2 week timeframe that most banks use. After 3 weeks passed I emailed customer service and got a generic “delay at the manufacturer “ response. Then a month rolls by still no cards, I followed up, same email response again. Here we are 2 months in, I’ve sent another message only to get the same response again! This is not how you treat your customers. I was planning to refer people to this bank but now I am really glad I did not. I’m worried it may be a scam at this point.
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Beginner banking app for immigrants
As someone who has recently moved to the states, this bank has allowed me to have a financial presence here - for that I’m grateful. That said, overall the experience has been very average: rounding errors, issues redeeming cash back, support is non existent, the chip in my card doesn’t work for contactless payments. My biggest gripe has been when I graduated to unsecured credit. I had a secured limit of 1k, I met all the milestones and demonstrated I could service that limit - why the heck is my limit now $250?? basically unusable for anything other than groceries. No visibility on how to get it higher, I wish I’d kept my card as secured.
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Not sure
I just signed up for this about 3 weeks ago and haven’t received my cards. Direct deposit does not arrive early as in other banks. But regardless, today I received an email that starting Nov 9 all ATM withdrawals from debit cards will be disabled. And the debit spending limit is going from 5,000 to 1,000. I wanted to like it but I already removed it from direct deposit and will remove all my funds from here.
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Warning: Company Appears to be Broke
We got an email today telling us that in November all debit cards will no longer be able to use an ATM and the daily limit on debit card transaction was going down 80%. The most concerning is the first piece to me… no ATM use for a checking account’s debit card? Kinda sounds like they are out of money if they are trying to hold deposits so badly and not letting folks access money. What bank doesn’t allow ATM withdrawals…especially since there are no physical branches to get money from.
You have been warned.
You have been warned.
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Okay but could be great
I love the concept of this card and I love their app but I opened my account in July and still have not received my physical debit or credit card. I have access to my virtual cards, but not my real cards. With out my cards, it is impossible to meet their milestones that are required to qualify for unsecured credit. I have sent several emails, and I continue to get the same answer, which is that there is a hold up with their card distributor. The app used to give me a timeline of when to expect shipping, but it does not even have a date any longer, so I have no idea when to expect my physical cards. If I could get my cards shipped this would be an excellent way to improve my credit.
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Sable has been great for me!
I’m not sure why there are so many bad reviews but sable has been wonderful to me. I applied in February of this year and my card came when expected. I’ve never had any trouble accessing my money, like ever. And the ability to pay my CC bill right from my debit account is the best feature. Now I’ve met all milestones for about 10 months now and still have not graduate but that is fine I’m still hopeful!! It’s easy, convenient, and I love it.
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Apparently still HUGE wait time on cards
Look—I like Sable. I can use Apple Pay almost anywhere and the virtual cards are seamless. HOWEVER, it’s been over 2 months—yes, you read that right—and my physical cards are still in “processing”. I contacted CS after month 1, who apologized and said that yes there was a slight delay but they’d be out asap. That was 5 weeks ago. I’m starting to think I shouldn’t have funded the credit card, because it looks like the physical cards don’t exist.
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Unless you can meet all the milestones this is the card for you
This card is very misleading. First off you have to reach all the milestones in order to turn the card into a unsecured credit card. Do you know how many milestones they have on there that you have to complete.? So what I’m going to do is pay off the little balance that I have so they can give me my money back and I’m going to close the card because it’s not worth it
Try Discover
Try Discover
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This app stole my identity!!
I found this app online and decided to try it out, put my name and my ssn and went to the next step. then it asked for a picture of my ID. I don’t have an ID yet so i canceled the verification process. Then a few weeks later i get a letter from the IRS. Only to realize they stole my identity!!! I never put my SSN or information anywhere else because i had just gotten my SSN card and never knew my SSN until last month. i’m new to adulthood and this is very frustrating. I am very disappointed. My life is ruined!
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