cred.ai

Name: cred.ai
Rating: 4.7355 (4469 reviews)

Finance

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cred.ai

Finance

4.7

4.5K ratings

Age Rating

Seller

CRED Technologies LLC

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User Reviews for cred.ai

No help when they’ve drained your account

I only use this card when I deposit money into the account. This week I deposited over $300, my Christmas spending money, and it has disappeared in a few hours, and apparently there is an additional deficit of my account of $659, which is impossible for me to have done as I had no moneydeposited and the credit function turned off. I can’t even see what this charge is from my app- I was just told about it by a support representative. I have called the support center 3 times and have been given only the excuse of “the app is being updated and this is a result “ andno-one will explain what that means, they just offer to set up a call back appointment 2 days from now. I am so disappointed as before this issue I loved this card and the security I felt using it. But now I am out $300 right before Christmas, with have my gift list untouched.

Ambrosia_Alderete, Dec 23, 2021

Just started

Cautiously funding with two banks, my gig business debits. I can not yet get it to be a spending source on Venmo with the temporary card, maybe the metal card will work there ? I want to send our pay to my wife with Venmo for her purchase requests and I want to charge my zip pay in 4 costs to it as well as when I buy food or supplies on the road, self employed driver. Will report back if any crazy problem happens or if I am able to do all that I would want to making my funding movements easier and automatic, since ethe goal is AUTO COMPUTE, the final score I give will be a reflection of ease, what was always supposed to be the reason for an invention, to give us back time. In this case the cost of their service appears to be in the time delays waiting for your deposit to become spendable. As with secured cards I’ve used before, that is often extremely frustrating waiting for unknown time delays to gain spending power. Especially for daily paid or fixed income families.

Beth and Ian, Jul 16, 2023

DO NOT WASTE YOUR TIME

This god awful company has held my funds from me for over a month with so many calls and emails from me and minimal to no response from them. The customer service claims to not have supervisors, or if you reach someone else they put you on hold long enough for you to lose your mind and hang up so they don’t actually have to escalate your issue. They also refuse to transfer you to the dispute team “after the first time you speak to them” if you call again for an update due to some insane policy. Even after a report to the BBB and other agencies still nothing. Finally, was told that there was a temporary credit on my account, but I couldn’t see or use it until they solved my case, which wasn’t the case for the other charge they gave me a temporary credit for that showed up immediately. Someone messed up, and won’t take accountability for it. Do yourself a favor and just get a secured card that’ll do the same thing without screwing you over.

bumpadoodle, Feb 03, 2022

Unresponsive

Had a big inconvenience where unfortunately I did not take my money from the ATM when withdrawing and ATM took my money back and did display a receipt as if I took the money after it sounded like it counted it and put the money back. ridiculous when approached the cred ai customer service the only response they gave me was it would take us 45-90 days to investigate nothing else and they would repeat themselves over and over again when I am claiming to give me at least a parcial credit my total was $300. I unfortunately put some automatic payments to be paid from this card that were estimated in that cash they took and haven’t given back to me. I was late and fees from other companies were charged because they did not want to credit nothing back mind you I called right when that event happened and I was in the Walgreens were this occurred, is unbelievable the nastiness of how they operate when one is asking for help now I am emailing them and they do not reply back, please save you time don’t trust this company they are terrible and would take your money, ( give me my money back and I would consider deleting this review even tho you don’t deserve it)

chuchutoday, Apr 26, 2023

Highly recommend!

This metal card is fantastic. Since using it, I established credit and my score went up 100 points. You are guaranteed to never pay fees or interest! I have been able to track my purchases and follow my spending habits. As well, the app is easy to use and up to date on its technology features. One of my favorite features of the card is its “Stealth” capability, which allows you to “burn” a card number and regenerate a new one. It also has tap to pay which makes payments quick and easy. I highly recommend this card! You can also fund the card with any bank or Venmo. It’s awesome.”

Dedicated Cardholder, Dec 09, 2022

Lackluster customer service

The card is just a card, I guess it’s a nice card but inconvenient to use anywhere that explicitly states they only take debit cards - this card will *always* run as credit in those situations. Not being able to connect to my other newer banks, super long time getting money into the account vs. my other banks. I guess the little credit bump is cool and I do get my paycheck a day early (sometimes) but honestly, I’ve had some weird stuff happen. They sent me a new card and disabled my current one before I had access to the new one, without telling me, while I was traveling. They told me to setup and use a stealth card, which is cool, but was really inconvenient to read off to people on my trip. I would have preferred for the old card to stay active until I activate the new one, I don’t really understand the precaution there. They apparently add additional fees to some purchases (like they add tip allowances to DoorDash purchases but don’t tell you anywhere that they do that?!) I haven’t had money go missing (yet) but the other reviews saying that they were locked out for no reason or had money literally disappear out of their accounts make me want to close this account and run for the hills. I did it for defranco and for my credit score but it’s been kinda of a meh experience.

Elledesgner, Aug 12, 2022

Poor Customer Service

When this company started if you had any issue you could call and get some one who spoke English that could fix this right away.. now you get someone who barley speaks English, they can't do anything but setup a time for you to be called back.. they can't even reset your password, expect for walk you through how to do it on the app.. this was a great service and a wonderful card to have now it's just like any other credit card, outsourced Customer Service, no one to help you.. My issue incase someone reads this is: I tried to login to the app, it told me there is a problem, ok I figured I forgot the password, so I go to reset it, and it tells me something went wrong.. I call and the guy tells me that he needs to escalate this to some other team.. then I ask my balance, which I know should be over $2500, they tell me it's 30.. 30 what.. then I'm told that I have to wait till Monday(it's Friday) to talk to someone other then this person. Ok so now I'm missing at least $2400 and I have to wait till Monday to find out what is going on.. they can't tell you anything other then "I can setup an appointment for a product specialist to call you back."

kirbyokc, Jul 09, 2021

GREAT SUCCESS!!

I was never interested in a real credit card because debt is slavery blah blah blah, I figured a credit card at my age would be a bad idea so I saw an add for this and I was like hey, credit with no debt, sweet. I got the card about 6 months ago and I used it a couple times and figured its kinda inconvenient, and stopped using it. Checked my credit score a couple nights ago, 700 on the mf dot baby!!!! No loans, credit cards, nothing. This card was the only thing on my history, and now I can get a loan on pretty much anything I could want, car, house, business loan, anything. I made some deposits and I will most definitely be using it again, setting up mobile deposit after this review. AND ON TOP OF THAT THEIR CUSTOMER SERVICE IS GOOD NOW!!!!!

Lukey__Pookie, Jan 31, 2023

Long complex account opening process.

For some reason they make it very difficult to open a simple secure credit account. Despite staring by asking for you to connect them directly to you secure information to your main personal bank account to quote “expedited the account opening process” but even though I did gave them access to that, it took them a week before getting back to me in an email then they asked for 10 different items including, my passport, my ssn, my DL, my Utilities Bill, my phone bill, my picture, and many more unnecessary items. This is way too much unnecessary secure information for a simple account. I gave less documents for mortgage application then these guys asked for. Something doesn’t add up here. I don’t find this very secure for an online bank specially when there is nothing but hard to reach over the phone customer service. Please be cautious with amount of personal information you’re providing this “online bank”. Keep in mind non of the major well known banks will ever ask for this much information. There is absolutely no reason for that.

maxcess, Jul 23, 2021

WHAT ARE YOU WAITING FOR GET IT!!

Ok let me first start by saying I don’t ever (EVER!) do reviews on apps I download but this is a game changer. First of all they send you a really cool looking metal card! But everyone that gets this app wants to start building or rebuilding credit. I signed up and used the card for about 3 weeks. And today I saw I had an update on my credit score which sent it up 45 POINTS!! that’s insane as someone who has ok credit it really helped a lot! The app also has a ton of features like stealth card which allows you to generate a card for online purchases and then completely generate a new one. GET THIS NOW IF YOU NEED TO BUILD CRED

Samuel Looez, Dec 12, 2021

Description

cred.ai is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card. With the cred.ai guaranty you never pay fees or interest, never overspend, build credit automatically*, and spend your paycheck early**, with cutting edge tech you can’t get anywhere else like Check Please™ and Flux Capacitor. 100% mobile, 24/7 support, real-time control, and virtual Stealth Cards™ active instantly upon approval. Applying does not impact your FICO score, and a FICO score is not required to apply. •giving credit where credit is due • Your metal unicorn card is a real credit card, but cred.ai™ automation and the cred.ai™ guaranty makes sure you never pay fees or interest and never overspend, and automatically manages your balances to optimize your credit utilization.

Spend like you’re using a debit card, and build your credit* like a pro. • imagine if tony stark built a bank • cred.ai™ is a team of builders, scientists, artists, and hackers. That’s why we have exclusive features like High Security Mode™, Friend & Foe List™, Stealth Card™, Check Please™, and Flux Capacitor. This is the most cutting edge way to spend every day. • won’t break the bank, but could break a window • The Unicorn Card weighs more than those other fancy black cards, but you don’t pay a fee to get it. We think it’s the best looking unicorn themed free metal card on earth, but that’s just us. • the card you carry is metal, but stealth card™ is bulletproof • Stealth Card™ is for your more sketch transactions, like ordering pizza over the phone, corn sites, or signing up for free trials. Regenerate Stealth Card™ when you feel unsafe, or use them in High Security Mode™ for ultimate protection. Use your Stealth Card™ online, over the phone, and in person via your phone’s mobile wallet. • original content from crednews • crednews™ is a team of award winning journalists producing original content about topics we think are important. Why would a fintech make documentaries about UBI and psilocybin? Because we can. • your bank should never be a piggy • Access the spending power of your paycheck and other deposits up to two days before they even hit.** Get cash at over 55,000 free ATMs*** make instant deposits and mobile check deposits at no fee, and all deposits are FDIC insured up to $250,000. Use Flux Capacitor to automatically protect yourself against future charges and withdrawals. • boring but true • ○ cred.ai™ Guaranty to Never Pay Interest Or Fees ○ 24/7 Phones Answered By Humans ○ 55,000+ Free ATMs*** ○ Deposits FDIC Insured Up To $250,000 ○ We Will Never Share Your Data ○ PCI DSS and EI3PA Certified *cred.ai cannot account for all variables in your financial life or changes to reporting practices. Increases or specific changes to your credit score are not guaranteed. **Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date. ***You can locate free ATMs using the FREE ATM finder located in your cred.ai mobile app. ATM withdrawals are cash advances against the Unicorn Card credit card, and while they are subject to the interest rates and terms outlined in the Unicorn Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty. The Cred.ai Deposit Account is provided by Wilmington Savings Fund Society, FSB (“WSFS Bank”), Member FDIC. The Unicorn Card credit card is issued by WSFS Bank pursuant to a license from Visa® U.S.A. Inc. and may be used everywhere Visa® credit cards are accepted.