This is a line of credit, and not a credit card. You’re given a card but this isn’t a credit card. This will show up as a loan on your credit report. For example you’re approved for $10,000, you make a $1,000 purchase but this will show up as $1000 loan on your credit report. It won’t report your unused/remaining line of credit. Bummer considering they increased mine to $20k.
This is not a credit card. They do nothing to make you aware that it is a loan and not a credit card. Credit Karma should also do a much better job on disclosing the nature of their offers and options. Shame on CK for advertising this as a credit card.
They like to lower credit limits for no reason. You can make every payment on time. Make higher payments than your supposed to. They'll lower your credit limit after you do.
Horrible experience.. they did not give me any $400(it used to be $400) welcome bonus. I had their 2 cards for 1 1/2 year. I was for couple of hours one the phone arguing with people each time I called them. I ended up closing all my accounts with them. I recommend you to read the small prints, they are not a “bank”.
I don’t know if they still just information
This creat card they increase my limit after 6 month from 4500 to 9600 I moved
Not a credit card!!!!!
Be careful. Don't make the same mistake I made... Not a credit card, but a lone card.
This credit card is great you can use it as a credit card or as a loan if you needed all the money upfront, but if you pay it off on time each month there will be no interest charges. You can set it up for automatic payments and use it as a regular credit card or you could buy a big purchase or if you needed the whole lump sum you would know exactly how much you need to pay each month and I believe it reports on your credit report as a personal loan which is good to have different types of credit besides cards, homes, and cars etc. Great credit card so that will help boost your score as it did mine. I highly recommend plus the rewards are great 2.2% is more than most. Great customer service as well. I was confused at first when it seemed like I was applying for a loan and not a credit card, but I called and they explained exactly how it worked and I am overall very satisfied! Very easy application process as well.
Either is a credit line or loan. Shame on you credit karma for allowing these false information spread. I already canceled my account twice with these useless company. And still active. God help us
It’s the only upgrade branded “credit card” that has a zero interest charges grace period (if paid in full every month). It’s called “early pay” feature. It’s easy to elder up as a auto pay option. You can set it up to auto pay your full balance every month and therefore pay zero interest forever. This is not a typical credit card format..but with the early pay feature and the visa benefits…it can be used like a typical credit card with a record breaking cash back percentage of 2.2% on every purchase (without jumping through hops like opening a checking account and maintaining a $1000 balance and having at least one direct deposit per month—-like all other over 2% cash back credit cards currently do!! Please note: The grace period is 5 days (after statement is released each month) instead of the normal 25 days that credit cards have. So “early pay” pays your full balance immediately when your bill is printed each month. Easy application process. Takes a few minutes. Sometimes they ask for proof of income. They only used my TransUnion credit report to approve me.
It says its a card on the page, but link takes you to a lending page.
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