Please don’t choose self
It’s been 2 months and I closed my account they owe me 156 plus then the 200 deposit but there phone number never works and they won’t be honest with me.if you need money or to build your credit this card does nothing even after 6 months made my score worse
KHKimberly hurn
Terrible
I canceled my account, thinking it was over . Later finding out they have been charging late fees after the cancellation for months!!! Apparently tanking my credit!!! Never use this!
BBabaloo808
One of the Worst Credit Decisions I’ve Ever Made!
I signed up for this app hoping to rebuild and improve my credit. Instead, it has done more damage to my credit score than I ever imagined.
What I didn’t fully understand when signing up was that this so-called “credit card” wasn’t actually lending me money. The money associated with the account was money I was expected to deposit myself. Yet somehow, the company began reporting missed payments to the credit bureaus every single month, despite the fact that I had never actually received or borrowed any money from them!
Once I realized what was happening, I immediately contacted customer service to cancel my account. A representative confirmed through chat that my enrollment had been canceled, and I assumed that would be the end of it.
Unfortunately, I couldn’t have been more wrong.
The following month, my credit score dropped AGAIN because another missed payment was reported. I have since contacted customer service TWO MORE TIMES regarding an account that was supposedly already canceled. And just when I think it’s finally resolved, I receive yet another email claiming my payment is overdue!
How am I continuing to owe payments on an account I canceled, for money I was never loaned in the first place?
The entire experience has been beyond frustrating. I signed up because I was trying to take responsibility for my credit and improve my financial future. Instead, I’ve spent months dealing with negative credit reporting, repeated customer service conversations, and damage to the very credit score I was trying to rebuild.
I genuinely regret ever signing up.
What I didn’t fully understand when signing up was that this so-called “credit card” wasn’t actually lending me money. The money associated with the account was money I was expected to deposit myself. Yet somehow, the company began reporting missed payments to the credit bureaus every single month, despite the fact that I had never actually received or borrowed any money from them!
Once I realized what was happening, I immediately contacted customer service to cancel my account. A representative confirmed through chat that my enrollment had been canceled, and I assumed that would be the end of it.
Unfortunately, I couldn’t have been more wrong.
The following month, my credit score dropped AGAIN because another missed payment was reported. I have since contacted customer service TWO MORE TIMES regarding an account that was supposedly already canceled. And just when I think it’s finally resolved, I receive yet another email claiming my payment is overdue!
How am I continuing to owe payments on an account I canceled, for money I was never loaned in the first place?
The entire experience has been beyond frustrating. I signed up because I was trying to take responsibility for my credit and improve my financial future. Instead, I’ve spent months dealing with negative credit reporting, repeated customer service conversations, and damage to the very credit score I was trying to rebuild.
I genuinely regret ever signing up.
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MMeagaliciouss
Self
Love this credit builder app
AAZUL12$
Cancelling Soon
My SELF card is denied at least 50% of the time and that is very frustrating and embarrassing. I appreciate being safe, but it is quite absurd that it is happening when I attempt to use the card anytime and anyplace. Furthermore, it is even more embarrassing in front of colleagues and customers.
JJonboyHextall
