# Tomo Card — user reviews > 109 indexed App Store user reviews of Tomo Card by TomoCredit Inc, rated 2.43/5 from 92 ratings. - Source: https://appshunter.io/ios/app/tomo-card/id1511011956/reviews - App overview in markdown: https://appshunter.io/ios/app/tomo-card/id1511011956.md - Rating breakdown: 5★ 30 · 4★ 2 · 3★ 2 · 2★ 2 · 1★ 56 ## What do users think of Tomo Card? Overall sentiment: negative **Pros** - 🚀 Great for credit building - 👍 Easy application process - 💡 Helpful credit score monitoring - 🚀 Weekly payment schedule - 👍 Convenient for daily purchases **Cons** - 🐛 Inability to cancel subscription - 🐛 Lack of customer support - 🐛 Inconsistent credit reporting - 🐛 Unauthorized account charges - 🐛 Accounts closed without explanation **Commonly reported bugs** - App crashes and freezes - Inaccurate credit score updates - Issues with bank account linking **Most requested features** - Option to change payment due date - Ability to export transaction data - In-app customer support chat - Compatibility with mobile wallets ## Newest reviews (10 of 109) ### 1/5 — Scam!!!Of there is a negative review *2024-04-19* They are scam. They never reported . They will keep charging your card even when you ask them to cancel. Also they will want to bribe you free 60days because you want to cancel . Don't fall for it!!! ### 1/5 — Scam *2024-04-17* This company is total scam, they claim they care about you and they will boost your credit while the opposite is true. All their online reviews and PR is paid and they remove negative reviews. ### 1/5 — Tomo will never respond to your inquiries! *2024-04-16* I have attempted to contact Tomo for almost 6 months with a request to close my account. I only receive automated generic responses. I have not received any support from a real person at Tomo since first attempting contact. My account still remains open and they still attempt to charge my bank account for service fees. I have a long list of outbound emails that prove my efforts to contact Tomo with absolutely no response or action from their staff. Do not download this app. ### 5/5 — Smh *2024-03-29* None of my reviews have been posted. This seems discriminatory. 😔 ### 1/5 — Terrible app *2024-03-24* Does not help you credit. Very difficult to cancel and no customer service response. ### 1/5 — Lost 80 points of credit!!! *2024-03-23* BEAWRE! They close the card without telling you. In the result I lost 80 points. ### 5/5 — Tomo Rocks! *2024-03-21* I needed a card to help me boost my credit. After getting turned down by so many card companies I was feeling hopeless. A colleague referred me Tomo. It was so easy and straightforward. I’m not sure why more people don’t care for this company but they helped me build my credit and cover cash flow in the meantime. I’m very satisfied and will refer anyone looking to do the same. ### 5/5 — Credit Builder *2024-03-21* This is a simple way to build credit if other options are limited. ### 1/5 — Fraud! *2024-03-19* Guys if you consider this one as credit rebuild app don’t do it. They are scamming people via monthly report but they never report anything to any bureaus. And they won’t cancel your subscription because it’s through email and they will just asked do not cancel it. I have tried 5 times already and they won’t cancel. Stay away from this app and those robbers. 6 months and 0 reports to any bureau. I’m dumb to use them. Don’t be dumb like me. ### 2/5 — Hurt credit *2024-03-12* Started off decent as a credit card, with no credit check impact. Originally did help build credit but after they changed to a trade-line only account they eventually closed my account due to me not wanting to pay monthly just to report an “available balance” of $1,000. Ended up doing the opposite for my credit when they closed the account. ## Most critical reviews (10 lowest-rated) ### 1/5 — No way to cancel subscription! *2024-08-17* I have requested by email to cancel my subscription at the end of my subscription. This company will not cancel the subscription. They just ignore my request. I am now at the point of filing a small claims suit. I will also be contacting the Consumer Financial Protection Bureau to file a complaint. Do not sign up for this service. You will be paying forever because there is no way to cancel. They will attempt to charge every credit card they have on file until they get a monthly payment. There is no way to delete your credit card information from the account. This business is fraudulent and should be shut down. ### 1/5 — SCAM *2024-07-17* I signed up for an account at the end of may, I paid for the subscription, when it wouldn’t work I reached out to them with no response. Luckily the card it was linked to is a bank account that I closed not long after. Recently I have been receiving texts saying that my account will be terminated and “closing a line of credit” can negatively impact my credit score when they didn’t even give me a line of credit. PLEASE DO NOT USE THIS COMPANY THEY ARE A SCAM. ### 1/5 — Fraud Fraud fraud. *2024-06-29* TOMO WILL KIT ALLOW YOU TI CANCEL YOUR MEMBERSHIP. THIS AI THEFT AND FRAUD. THEY HAVE THE WORST SUPPOT. THEY HAVE NO ADEQUATE SUPPORT TEAM. ITS ALL AI NO HUMANS. FALSE ADVERTISEMENT. THEY DINT TELL YOU THE TRUTH ABOUT THE SERVICE UNTIL YOU HAVE BECAME A MEMBER. I NEVER NEEDED OR WANT THE TYPE OF SERVICE THEY PROVIDE. WHEN I SEEN WHAT THEY ACTUALLY DO, I’ve been trying since May to cancel my membership. The same exact day I signed up I’ve been trying to cancel. Tomo has not assisted me in canceling and receiving a refund. The worst App company out San Francisco. Worst app. Does not help credit. The do not actually report to any credit company. They just take your money. Thee worst. They have not help me at All. With credit or cancellation of membership. Seeking legal help now. ### 1/5 — Con Artist and Fraudulent Company *2024-06-21* Didn’t even get the option to get a card. I spent $129 for credit boosting and monitoring and nothing reported to my credit. Then when I reached out to them to cancel, no response. They had no problem stealing my money though. If I could give them negative stars I would. ### 1/5 — Scam - They Do Nothing *2024-06-01* I bought a premium 12 month boost in January 2024 and after almost 5 months, they still failed to report a limit on my credit report. They refused to offer a refund and they refused to correct the problem after I reached out 7 times via email. I had to reach out via email by the way instead of Phone because they don’t have an active phone number! Beyond shady practices, please don’t waste your time or money. ### 1/5 — Beware! *2024-05-30* There is no line of credit offered at any membership level. You will also be ignored by customer service, and there is no option to close your account in the app or on the website. Please don’t get trapped. ### 1/5 — DO NOT USE!!! It’s a SCAM!!! *2024-05-15* I signed up, and it didn’t even help with credit building. They have no phone number to call customer service! They always say “we’re not accepting calls at this time.” And on top of that they keep sending me emails to “update my billing info” for the subscription, AFTER I have emailed them over 5 times to request cancelling my subscription, and for someone to call me. My emails have been ignored and never responded to with no call back. The icing on the cake my credit has gone down due to them not closing my account. I’m reporting them immediately! It is despicable what kind of company this is. ### 1/5 — Avoid at all costs! *2024-05-07* This is a terrible company. There is no way to close your account except by contacting them directly. I did that and they responded by asking why I wanted to close my account. I have responded to them four times and they have not closed the account yet. (This was over a week ago.) Instead, they charged me for another month, which I specifically told them that they were not authorized to do. I’ve opened a case with the Better Business Bureau. ### 1/5 — Absolute scam. *2024-05-03* I don’t have a card. I’ve never had any reports made to any bureaus. There’s no option available to cancel and absolutely no customer service to get ahold of. I’ve sent emails and everything only to have no luck in reaching an actual human being that can help provide a resolution. Yet they have no issue trying to charge me repeatedly. Worst and by far the most shady company I’ve ever dealt with. There are soooo much better companies out there that actually provide the services that this fraudulent company pretends to provide. Don’t make the same mistake a lot of us have already made. I wouldn’t even rate this one star if I wasn’t forced to. ### 1/5 — Complete Scam *2024-04-20* I signed up for this and my bank isn’t supported by whatever system they use, I also didn’t see any way to access the 1:1 assistance as advertised even though I shelled out for the VIP package. The “$30,000” credit reporting is misrepresented as well btw, and I’ve tried multiple attempts to contact support over this with zero response AND have seen no way I can cancel it. I’m going to have to report them as fraud to stop the billing and intend on reporting them to BBB. DO NOT USE! ## Most praised reviews (10 highest-rated) ### 5/5 — What a breath of fresh air. *2024-05-23* I’ve been putting my people on to Tomo since last year and they’ve all had positive experiences. It’s a reliable option for those looking to build credit responsibly. Wouldn't know what I would do with out. 🙏🏻 ### 5/5 — It's getting good! *2024-05-21* Highly recọmmend Tomo for anyone looking to take control of their finances with smart tools. ### 5/5 — Not going back *2024-05-10* The credit score improvement tips from tomo have helped me raise my score significantly over time. 😆 ### 5/5 — ⁠Tomo AI is the future *2024-05-09* I’ve tried several credit monitoring apps, but Credit Karma stands out as the most cọmprehensive and user-friendly option. The app’s dashboard provides a clear overview of my credit scores, reports, and personalized recọmmendations, making it easy to track my financial progress. What I appreciate most about Credit Karma is its educational resources, which have significantly improved my understanding of credit and financial management. The app’s credit score simulator is another standout feature, allowing me to simulate different scenarios and understand how they affect my creditworthiness; Credit Karma has been instrumental in helping me achieve my financial goals. ### 5/5 — To the moon and beyond *2024-04-30* Tomo has nailed it with their new design, addressing several pain points I encountered in the previous version. The streamlined interface and enhanced usability have simplified my financial routines immensely. From setting savings goals to monitoring my daily expenses, everything feels more intuitive and accessible, unlike the frustration I experienced with the old design’s cọmplexity and lack of user-friendly features. ### 5/5 — Boom! *2024-04-29* The updated Tomo app has made financial tracking a breeze, a significant relief from the confusion and inefficiencies of the previous version. I can’t imagine going back to the old design now; considering how seamlessly I can monitor my spending, set savings goals, and track my progress. The user-friendly interface and improved functionality have transformed my financial management experience for the better, eliminating the frustrations I once had with the app’s outdated features. ### 5/5 — Tomo AI chatbot is amazing!! *2024-04-27* I’ve recently discovered their AI chatbot functionality, which i found very intuitive to use. It really helps me understand my spending habits and build plans for higher credit scores. Love it!! ### 5/5 — Very helpful app *2024-04-12* it shows my credit score changes month over month. neat **Developer response:** Christina, Thank you for leaving a review! We're thrilled to hear that your credit score went up fast after making on-time payments with your Tomo card. Keep up the good work! Happy Credit Building! ### 5/5 — Much improved *2024-04-07* Kudos to Tomo for listening to customer feedback and delivering an app that meets our needs. The new updates are fantastic! 🙌🏻 ### 5/5 — Nicceeeee *2024-04-05* This tomo app is cool. Wondering if things have changed. Didnt have the best experiences with them but i see they are putting a best foot forward. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*