# Zolve Credit Card \| Banking — user reviews > 283 indexed App Store user reviews of Zolve Credit Card | Banking by ZOLVE INNOVATIONS PRIVATE LIMITED, rated 4.10/5 from 3,752 ratings. - Source: https://appshunter.io/ios/app/zolve-credit-card-banking/id1574344423/reviews - App overview in markdown: https://appshunter.io/ios/app/zolve-credit-card-banking/id1574344423.md - Rating breakdown: 5★ 2,645 · 4★ 238 · 3★ 94 · 2★ 62 · 1★ 713 ## What do users think of Zolve Credit Card | Banking? Overall sentiment: mixed **Pros** - 🚀 Smooth app experience - 💳 Helpful credit card for students - 💰 Great cashback offers - 🤝 Responsive customer support - 🌍 Convenient for international students **Cons** - 🐛 App crashes and bugs - ⏱️ Slow transaction processing - 💳 High APR and fees - 🔒 Security and account access issues - 🕰️ Long waitlist for card approval **Commonly reported bugs** - Login issues and incorrect password errors - App freezing and not loading data - Delayed or missing transaction updates **Most requested features** - Face ID/Biometric login - Improved credit limit increase process - Integrated credit score tracking - Faster fund transfer and payment options ## Newest reviews (18 of 283) ### 2/5 — 5 Years In, and It’s Time to Move On to new credit card *2026-07-24* I’ve been with Zolve for 5 years and referred 4+ people in the past, but recent changes have really tested my patience. They removed the 5x cashback or Automax cashback options, which were a big part of why I stuck around. On top of that, my balance takes forever to update after I make a payment, and redeeming points as cash can take weeks to actually show up. Even simple issues that every credit card app offers require reaching out to support, which shouldn’t be the case for basic things. As a long time customer, it’s disappointing to see the experience decline like this. I’m seriously considering using my other credit cards and reduced my spending drastically using zolve. ### 1/5 — Worst support *2026-07-21, version 4.0.30* I have had 5 cards and even student cards but none of the are even as bad or close to bad as zolve. They have no supprot for credit increases,bill payment features were made convenient recently, change rewards whenever they feel like without notice, and you can never speak to a Human person at all. Highly not recommended. Dont buy. ### 2/5 — They won’t take cash now *2026-07-21, version 4.0.30* One year back previously when I used to pay Zolve card. I used to pay with cash but now they have changed it to cashless you have to pay through card only. ### 1/5 — Worst scamming app *2026-07-19, version 4.0.30* Do not trust this company. Zolve is an absolute scam that hitches your account with hidden, unnecessary charges and refuses to issue refunds.I have multiple incorrect charges on my account for merchandise and services I never even used. For example, if I order an Uber and cancel it within one minute, Zolve still processes the full charge and completely refuses to return my money.When you try to get help, the customer service is nonexistent. They rarely answer the phone. The one time I finally got through, the representative just gave a lazy excuse saying their "app isn't working" to dodge the issue. I am still missing refunds for multiple unauthorized charges.To make matters worse, you cannot even delete or cancel your account by yourself through the app. They trap you in their system so they can keep stealing your money. Avoid Zolve at all costs ### 1/5 — S *2026-06-30, version 4.0.29* Don’t take this card this is a scam, it will take your clothes out ### 2/5 — Very bad customer service *2026-06-28, version 4.0.29* Very bad at limit increments .Bad at everything never get any response from customer care support always They give you wrong report / statement never update right credit score to bureaus snd waste of time being a customer for 2 years .Never gets any benefits instead of frustration and stress. Nothing is easy to understand the payments/ usage/money balance all these makes me feel to stuck with a credit card with excellent managing skills. ### 1/5 — Absolutely horrible credit card *2026-06-27, version 4.0.29* The service is pathetic. Not timely responses. No prior notifications of card benefit changes. Absolute nightmare. ### 1/5 — Terrible tech, and you’ll pay for it *2026-06-27, version 4.0.29* The only error message they show is “ something went wrong” if something went wrong in their end and that’s why a you cannot pay the due, you still get charged late fee. The AI agent who checks in you is useless, the number they provide for you to call goes to voicemail ### 1/5 — Don't use this credit card *2026-06-22, version 4.0.28* I have not been using this credit card since long time and they sent statement for dispute transactions . I have reached several times but my case is not resolved and they charged late fee too. So avoid to take it. ### 1/5 — Worst customer service *2026-06-21, version 4.0.28* You literally have the worst customer service, and don’t reply to me with that useless email, tried it already and you have no support at all. My card won’t receive payments and it keeps accruing and you guys can’t fix or at least reply back with the solution. Useless. ### 1/5 — Repeated Payment Failures and No Permanent Fix *2026-06-17* This has been one of the most frustrating credit card experiences I’ve ever had. The biggest issue is that the system frequently does not allow payments toward already-settled credit card transactions. Every time I need to pay my bill, I end up discovering another payment-related issue and have to contact customer support to get it fixed. What’s worse is that this isn’t a one-time problem. I’ve raised the same issue more than five times. Each time, support temporarily fixes it, but the problem comes back again. Instead of providing a permanent solution, they seem to apply a quick patch and move on. A credit card should be reliable, especially when it comes to something as basic as making payments. Customers shouldn’t have to reach out to support every month just to pay their bills. The repeated payment issues almost make it feel like customers are being nudged toward keeping funds in their checking accounts rather than using the credit card normally. I can’t say whether that’s intentional, but after experiencing the same problem over and over again, it certainly leaves that impression. At this point, I have completely lost confidence in the product. This is one credit card I never want to use again, and I would not recommend it to anyone looking for a dependable banking or credit card experience. **Developer response:** We sincerely apologize for your experience and understand how critical this matter is. Unfortunately, we’re unable to identify your account from this review. Please email us at hello@zolve.com from your registered email address, and our team will prioritize your case and work toward a prompt resolution. ### 1/5 — No response, unable to pay credit card bill *2026-06-17, version 4.0.28* I cannot access my Zolve credit card account because my registered school email expired. I emailed support multiple times but got no response. I am unable to pay my bill and my credit score is being affected. Please contact me urgently and provide account recovery or an alternate payment method. ### 1/5 — Random Account closure *2026-06-14, version 4.0.28* They randomly closed my credit card without informing me ### 2/5 — Useful for international students starting in the USA. Worst customer service. *2026-06-02* Got this card set up for use as a new international student. But lemme tell you once you get an American bank account set up and get approved for their credit cards, this cannot justify a 100$ annual fee. And the customer service is abysmal. It took me months to close each account or get refunded, negligence towards tickets, only response through email and slow as hell. And the experience using the card as a payment method is also very very inconvenient. It gets blocked for every unusual transaction. So if I go shopping once in a while, I am going to have issues with the card most times. **Developer response:** Thank you for your feedback. We're sorry your experience did not meet expectations. Our team will reach out to better understand your experience and discuss this further. – Team Zolve ### 1/5 — Worst credit service *2026-05-29, version 4.0.26* If I don’t pay minimum you guys call with whatsapp, normal calls as if I don’t pay back. Now you guys couldn’t even respond to closure after making payment. This is the worst service ever. Being such big organization no customer care call service. It is the dissatisfaction and disappointment for your company. ### 1/5 — Akhila *2026-05-28, version 4.0.26* The worst app I have ever seen. The app says it will to agent amd suddenly it says try agin after some time. I have waited for that long time but not received anything. ### 1/5 — Worst Customer Service *2026-05-28, version 4.0.26* Totally wasted my time and neglected my privacy, they produced multiple case#s for one single issue, but ended up with no one resolved it. Most incompetence and unbrained customer service I’ve ever used. ### 1/5 — I’ll NEVER recommend ZOLVE to anyone *2026-05-27, version 4.0.26* This has honestly been one of the worst financial experiences of my life. As a student, I trusted Zolve and always maintained a very good credit score by making payments on time and being responsible. But after fraudulent transactions happened on my account, everything went downhill. Even after reporting the fraud, Zolve did not properly support me or protect me as a customer. Instead, I was forced to pay around $2500 along with heavy interest charges and APR for transactions I never made. As a student, this caused me huge financial stress and completely damaged my trust in the company. I worked hard to build my credit score, and now because of this entire situation, it feels like everything got ruined. The customer support was extremely disappointing and unhelpful throughout the process. I would NEVER recommend Zolve to students or anyone looking for a reliable credit card company. Please be careful before trusting them with your finances. ## Most critical reviews (10 lowest-rated) ### 1/5 — Costumer service *2026-08-18, version 4.0.34* Worse costumer service i have seen, i wouldn’t recommend using this service ### 1/5 — Abruptly ended cashback and rewards *2026-08-12, version 4.0.34* They removed cashback and rewards for the classic card without notice. They give 1% cashback now. Who’ll use this card if there are other No Annual fee cards providing better cashback. ### 1/5 — Not having proper security *2026-08-06, version 4.0.33* I got lot of issues after using this zolve. On my card always happening the fraud transaction I not even using still I have this problem this is the 4th time .. Can you improve security and without authorization how you are approving the transaction and have multiple transactions happening at same time same money still it is not blocking .this is wrost thing happening to me everytime ### 1/5 — Worst financial company I’ve ever experienced *2026-08-05, version 4.0.32* Disgusting customer service, rude and incompetent staff who don’t listen to anything asked. I have been chasing them for months trying to pay my bill (the made this difficult the moment you leave USA, despite pitching themselves as ‘cross-border’) and they have said the only way I can now pay is through a payment link sent from them - but they refuse to send it! Conveniently adding on late/non-payment fees every month this drags on and they refuse to let me make a payment. They have essentially taken my account hostage so they can rack up fees; Zolve are crooks - completely unethical. Do not use. ### 1/5 — Zolve removed their 5x cashback *2026-08-01, version 4.0.31* It’s now the most useless credit cards out there. Would recommend not getting this. You could try other credit cards that does 5x,3x or even 2x. But, this credit card has now lost all its value that it built over last 5 years. ### 1/5 — Amount refund not added to card outstanding amount *2026-07-30, version 4.0.31* So I made a payment through zolve for buying an item and I returned the item then I got refunded to same zolve credit card account but card due amount showing that amount what I paid. I contacted the customer care they said. I need to pay the due amount but that amount already credited. The customer care agent said still I need to pay the due amount. I asked why they reply like you already signed terms and conditions. This is very bad service. Why we need to pay due amount when card shows zero amount use. ### 1/5 — Please don’t use Zolve *2026-07-28, version 4.0.31* Worst card and banking app I’ve ever used. Their security is disappointing, and their customer support is even worse. I requested a refund of my excess funds, and ever since I submitted the request, they’ve stopped responding to my support tickets. I’ve received no meaningful updates and no resolution. A financial company should communicate with customers, especially when it involves their money. My experience has been extremely frustrating, and I would not recommend Zolve based on how my refund request has been handled. ### 1/5 — Card Delivery *2026-07-26, version 4.0.31* It has been 20 days since I’ve Applied for my new physical credit card, I haven’t received any email regarding my shipment or delivery, whenever I reach out customer service, they ask me to wait for 10 business days, they don’t even procide any contact number for assistance. they also can’t track my shipment either😂 It’s really disappointing. Zolve’s service is awful☹️ ### 1/5 — Worst *2026-07-21, version 4.0.31* The worst credit card I have ever used ### 1/5 — Very Poor Customer Service and Support *2026-07-21, version 4.0.31* Very bad customer care experience. The support team was not helpful and did not properly resolve my issue. Extremely disappointing customer service. ## Most praised reviews (10 highest-rated) ### 5/5 — Customer service *2026-08-03, version 4.0.31* First thing the cash payments saying settles in 20 mins is total lie and the live agents do not reply to the chats. It’s been 2 days since I paid my bill i cash and I am not able to use the card it says not sufficient funds but the app shows the payment is settled and available credit. ### 5/5 — Problem resolved *2026-05-30, version 4.0.26* VERY QUICK RESPONSE AND VERY HELPFUL STAFF THANK YOU ### 5/5 — Customer service *2026-03-04, version 3.1.19* I was facing a trouble with my money dispute the zolve team had reached out to me especially Mr. Ayush he had approached me through phone and helped me to solve my issue I really appreciate that .. ### 5/5 — Zolve Banking Review *2026-02-04, version 3.1.15* While I was in India in 2023, I knew about zolve. I downloaded it and opened an account, and then I even got a US SIM card physically delivered to my Indian address. Slowly I even got a credit card without any SSN. Zolve services are amazing and even they perfectly report our credit scores to Experian, TransUnion and Equifax. 👏🏻👌🏻 ### 5/5 — Loved the Service *2026-01-06, version 3.1.14* Loved the service by zolve. Ashok was outstanding in his work would love to be with this team in future as well. ### 5/5 — Great for students! *2025-12-19, version 3.1.14* This is a great credit card option for the international students in United States! ### 5/5 — So helpful *2025-10-31, version 3.1.9* I am so much happy for Zolve it just supported me in all my financial hurdles and very supportive customer service tooo ### 5/5 — Issue with help support -Resolved *2025-10-10* As mentioned in my review changing my rating to 5 star this is for resolution and following up ======================== Update : I got call from Support Lead team member Pavan who promised to check the issue. It was very nice to have such persons on team who really cares the value of the user and understands what exactly is the issue. Hence increasing 1 star for him. ‘As discussed over the call as a user we need clear msg for rejection that eliminates confusion instead of just a button Get Help with no Help’ ======================= I got notification for credit limit eligibility and asked me to update H1B copy or I797 copy . Every time I update it rejects within hours or it pushes me to connect with agent before at least I could reach customer care now it has an automated msg which doesn’t help at all and I am stuck with asking for help with no one to support. I want developer or owner to fix issue or hire people who know the meaning of H1 B or I797 and who doesn’t reject without even verifying. This is the only issue in Zolve else it is very good credit card that we can rely on. I will change it to 5 starts once I have the requested support. ### 5/5 — Customer service *2025-09-26, version 3.1.7* They have great customer service. Very quick to respond and resolve issues ### 5/5 — Convenient Application *2025-09-22, version 3.1.7* The application is very convenient and use friendly and allows us to get credit card easily. Has been a great experience with this so far!!! --- *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 2026-09-05.*