Communication with the company was pleasant. They offer flexible repayment options, either a small monthly payment automatically withdrawn from your account, or you can pay it off each month. I pay mine off each month. I totally recommend it!
So this is an actual line of credit not a credit card. The card helps you have access to the cash when needed and repay back with each use. Vs a traditional loan which goes directly to your checking account and once it’s used it’s gone you pay it back and that’s that. So in turn it’s a great loan option if you need one. But because they don’t report your credit amount it can hinder your score significantly in a bad way. Especially if you have a high credit card percentage it can be a deadly experience we’re taking about dropping your score by 56-60 points. When I got the card, I did not activate it. I allowed them to close my account, and they did not hinder my credit at all, as it was close for no activity. Or upgrade cords should be considered carefully. Just make sure you do your research first make sure that your credit score and your credit ratio or credit card percentages are below 30% or else you will suffer the consequences and remember your score will remain hindered for quite a while
So this is an actual line of credit not a credit card. The card helps you have access to the cash when needed and repay back with each use. Vs a traditional loan which goes directly to your checking account and once it’s used it’s gone you pay it back and that’s that. So in turn it’s a great loan option if you need one. But because they don’t report your credit amount it can hinder your score significantly in a bad way. Especially if you have a high credit card percentage it can be a deadly experience we’re taking about dropping your score by 56-60 points. When I got the card, I did not activate it. I allowed them to close my account, and they did not hinder my credit at all, as it was close for no activity. Or upgrade cords should be considered carefully. Just make sure you do your research first make sure that your credit score and your credit ratio or credit card percentages are below 30% or else you will suffer the consequences and remember your score will remain hindered for quite a while
To have this card in my arsenal of credit cards gives me more purchase power and peace of mind.
I applied thru credit karma. Haven’t hit the card yet but the process was simple enough.
So far I have had no problems except trying to get intouch with customer service
I'm happy with Upgrade. It's great card to get that second chance to build credit again.
The transaction was user-friendly.
I love this company and I just heard of It via Credit Karma! I applied and got a solid credit line approved within legit 5 seconds of data input. Card came in 3 days, and I’m off to the races continue to build back my credit! Excellent product, No Annual Fee!
I haven’t received mine yet but I was surprised at the credit limit they allowed me to have..
It was very professional
Easy process… I just went threw a Bankruptsy so I’m trying to build back and they were kind enough to offer me a card. Wonderful customer service to.
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