They said chances of approval outstanding and I pay my cards always on time zero skipped payment but they denied. Seems like a scam

I applied for this card next to you know you forced to open a checking account which I do not need. I do not need a checking account then they want all kinds of proof of everything. Big waste of time, and I have good credit.

A Life Saver - was approved quickly and rep was very friendly and knowledgeable

Quick easy and efficient

According to the documentation on the web site, the interest starts accumulating immediately after purchase. That means that, even if you pay it off every month, you're still paying interest. The interest rate was a bit high.

It looks like a credit card. It's accepted as a credit card. But it's not treated like a credit card by Upgrade. With a typical credit card, your purchases are applied to your overall balance. Your minimum monthly payment may increase as your balance increases, but gradually. With Upgrade, your purchases may contribute to your overall balance, but they're treated as individual loans. Make a new purchase, then it incurs its own minimum monthly payment that is added to the minimum monthly payments of your other individual purchases. You'll be paying much more each month than you would with a standard credit card. Much, much more. So unless you intend to pay your balance in full each month, skip this card ... and all Upgrade cards. Also ... they will, without notice, lower the credit limit on your card ... which will increase your credit usage and ding your credit.

I closed this account years ago but am still getting monthly statements even though it’s not on my credit report anymore they refuse to close the account as promised

I had a credit card through this company. Used it. Made ontime payments. Actually set up direct pay with the card. Had over a grand of credit on the card. Went to purchase something and it was declined. They shut my card down without notice. Garbage.

No a good card cut the card of after giving credits. Then revoked the credit given. They will cut of your loan or credit whichever you want to call it. After a review to basically say oops my bad we gave you the loan or credit. Now you are taking it back. But don’t forget pay your balance. But you can’t use the card after login and showing a credit line you have but can’t use. Avoid yourself the headache.

Was approved, got on the phone with customer service to complete , got a bad vibe from the agent so I canceled. Nothing worse than than poor customer service.