Grain: The Digital Credit Card

Name: Grain: The Digital Credit Card
Rating: 4.58528 (35524 reviews)

Finance

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Grain: The Digital Credit Card

Finance

4.6

35.5K ratings

Age Rating

Seller

Grain Technology, Inc.

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User Reviews for Grain: The Digital Credit Card

Confused

I utilized the app for a few months starting about a year ago and things were fine. I always paid my account in full within a month or two…nothing drastic or out of the ordinary. A few months ago I paid my account in full and then my credit line was locked…never a late payment whatsoever or any thing else to arise suspicion. It’s been well over 4 months now and it’s still locked. In the 4 months or so, I have reached out to customer service numerous times and it hasn’t been rectified. I’ve only gotten one real legitimate response in trying to rectify things but that’s still ongoing. In the other instances when reaching out to customer service I’d get an initial reply and then I respond and then nothing. This is beyond weird. A business model such as this can not sustain itself. I’ve written 2-3 reviews my entire life which were all positive but I needed to share my experience as others may be experiencing the same thing and in this day and age no one should have to endure this especially if it will negatively effect your credit. I read another review where someone had their credit line decreased for no apparent reason and it dropped their credit score significantly. GRAIN, take some internal accountability or shut the doors!

CEO of the Year, Mar 24, 2023

Best thing I ever experienced in my life

I don’t even know where to start on this review. I’ve been trying to work with these folks for the past few weeks, but I wasn’t able to because I live in WA. The company was only working with 5 states at that time and now they’re going nationwide. I got approved in a matter of seconds for actually a real credit account. I highly recommend this for people who trying to work on their credit score because many banks won’t work with you with a 600 or lower unless you apply for the secured credit card. These folks are giving people like me a chance with a real credit card which is going to be your regular daily basis debit card. UNBELIEVABLE! I did have some technical issues when trying to connect my bank info, because I applied with a different email address the first time. I called customer service and it was fixed in less than 5 minutes. It was a black dude on the phone, did an awesome job man. After you get approved for a line a credit, people please make sure you’re responsible of your account and make payments on time. Stuff like this ain’t easy to find. My name is Germain by the way. This company deserves some LIKES, SHARE, THUMBS UP, and GOOD REVIEWS. ❤️❤️❤️

germaindiop, Jun 13, 2020

Buggy garbage app. Don’t trust them!!!

The application collects a huge amount of personal information but is extremely buggy. I definitely shouldn’t have trusted them with all of my personal information when they can’t even operate an app that functions as designed. First time I gave them all of my information and the app said it could not verify my identity. I tried again a few days later. This time I had to restart the app 2 or 3 times while completing ge application. Then I finally got a credit offer. I electronically signed the agreement and terms. Then it asked me identity verification questions (not the same step as the first time). None of the questions applied to me so I answered them accordingly. Then it said “we are having trouble connecting to our identity verification provider, please try again later”. I tried again as instructed and then it locked me out and just says they can’t verify my identity. I got several emails stating my bank account was linked to their ACH provider and I can’t even manage that. They just collected all of my information and connected themselves to my bank account and locked me out of their platform. Will definitely be reporting to the Federal Trade Commission and Consumer Credit Protection Bureau!

GoGator, Jan 19, 2022

incredibly frustrating at the moment

So while up until recently everything was good with this app/line of credit, there has been a major glitch that needs to be resolved. I opened my account last December and was approved for the full 1000, i took it out for some Christmas shopping, and left automatic payments on. This has been working perfectly fine but apparently sometime in the last month their app DISCONNECTED from my bank and stopped processing payments. I never changed anything nor did I receive any notification. I logged in today to pay the loan off in full to see that the account was late, fees assessed, and marked 30 days late. Because their system disconnected from my bank and stopped processing the automatic payments? This is absolutely unacceptable. I am waiting for a reply from customer service, but honestly this is the kind of issue that will break this service. I don’t think I’ll be doing business again with them any time soon. Not unless this is resolved smoothly.EDIT: I am furious. You’ve reported my account as late when it was your system that disconnected from my bank and stopped automatic payments. This has to be fixed

liz118511, Aug 02, 2021

Don’t fall for it!

I took a $1000 unsecured credit line with them in May of 2020, mainly to decrease my credit utilization and get a bump in my score. Ever since then, it has been a maddeningly frustrating experience. In October, I wound up closing the checking account that I signed up with because I switched to a bank that had branches closer to me. Grain does not allow you to change your connected bank account yourself, instead directing you to email their customer service team or call their office. When calling, once you finally get to where u can be out thru to a customer rep, it immediately tells you that no reps are available call back later and disconnects. No option to leave your number or wait on the line or get a call back. I’ve called literally 30-40 times during business hours and no one has ever answered. The email is just as bad. It auto sends a reply that someone will get back to you, but it never happens. I have sent a total of 34 emails over the course of the last 6 months and literally not a single reply. In the mean time, they continue to report my payment as late to the credit bureaus and dole out multiple late fees to me, despite ignoring my pleas to pay using any other method. They literally have no other payment options besides using your connected account. I’ve never been more horrified by a companies negligence.

Matt Hubbard, Jun 03, 2021

LIFE SAVER

Honestly I was very skeptical at first, but after doing a ton of research grain stood out from all the rest. I was in need of some cash to pay rent and was looking for an app that would do a paycheck advance. All of them were horrible! THEN I FOUND GRAIN!! Not only did I not have to do a paycheck advance and deal with all the horrible fees all other apps/ cash lenders were offering, but Grain extended a helping hand and gave me a opportunity to fix/better my credit. I don’t have the best credit nor the length of credit history most company’s require to get a line of credit. Grain checked my bank history and recognized my cash flow into my account and gave me a chance. I was very quickly approved for well over the amount I needed to pay my bills and was able to transfer the funds directly into my checking account. The process of the funds to get to my account took only 4 days (during that time I was freaking out not knowing if it would actually work). I haven’t had any issues and can’t wait to not only establish a well documented relationship with grain, But also to get my credit score back to what I know it could be. I would give this app 10 stars if I could & HIGHLY RECOMMEND this application to anyone who needs anything from a line of credit to get out of a struggling situation or to someone who just needs to be given a chance to build/better their credit score regardless of their credit past or credit life span. THANK YOU GRAIN. =)

mikecin, Mar 02, 2021

Worst experience ever, stay away!

I never write reviews however I felt appropriate for this app. Stay away from this app and this company. The app does not work like it’s meant too and customer service is absolutely a joke. I set it up a few months ago and made an initial security deposit and I was able to utilize it when needed. So far so good. Then I did the unimaginable and changed bank accounts. I know, GASP. I then tried to go into the app to update it. Nope, had to reach out to support. That was basically impossible. I sent an email and then waited a few days. Sent a reply. Waited a few days and finally reached out on Facebook and they replied to my email support request! Shocker! Then I got ghosted again for a few days and was finally able to update my bank account. This then generated a new credit offer for me, a higher credit limit. Sweet! Then it requested that I complete and additional security deposit and that brings us to today where almost two months later I’m still not able to click the button to pay that security deposit due to, what support told me in their last email, a developer issue. Since then I’ve had crickets from support, no app updates, nothing. For a company providing credit they certainly have absolutely the worst customer service I’ve experienced and don’t seem to care a single bit about the consumer. They’ll care when the FTC steps in, maybe. Just take the advice and stay away.

moevans1994, Jul 05, 2022

Can’t get a hold of customer service

I have been trying to reach Customer Service, in regards to setting up my account, verifying my email address, both, emailing them, and calling them. With no regards to getting back to me in a timely manner. I need help, financially, that is why I’m trying to set up this account, and order also to better my credit score, I am not able to verify my email address. Sense, I would have to go through my bank, there is no way I can send them screenshots, I am totally blind, and, I wish that their app would be a little more accessible in regards to setting this account up, I thought I signed up a while back, and I cannot find the link to change my password, without having to verify my email. I have tried to email them, twice now. Last night, and it was a message sent to them that I sent, after business hours, so it sent me the automated reply to that, and now, who knows when they’ll get back to me. I would advise people if they want to sign up, you can, however, Customer Service is a little sketchy. As far as not getting back on a timely manner and so forth for help. And also, I would definitely be careful. Because if you are having tech issues, who knows when we’ll get back if ever. So good luck to everyone, that’s trying to improve their credit, and needing help. We’re all struggling financially, and this is a very frustrating process to go through.

Southwestair, Jun 24, 2021

If I could give 0 stars, I would

Once again, I cannot login to my Grain account. This has to be the worst app I’ve ever used. I’ve contacted support before and it literally takes months to receive a response. I have autopay setup so I’m not understanding why do I keep getting notifications from credit bureaus (not Grain) that my payments are late. I have yet to receive a notification from Grain stating my payment is past due. Yet, I received an email from Experian notifying me about a 30-day late payment. Tried to login to check and see why and of course, I can’t login. The money is NOT WORTH IT! I’ve emailed multiple times and just receive an automated message. This is affecting our actual CREDIT! You have to do better. It’s so freaking frustrating. This is like the 3rd time you’ve disconnected my bank account and NOT NOTIFY ME!!!! I don’t understand what’s so hard about emailing your clients/customers about any changes made to their account. This isn’t a simple checking account. This is an actual CREDIT account that reports to the THREE MAIN BUREAUS. People are working relentlessly to build their credit and make on time payments only for a company with EXTREMELY POOR customer service to destroy it over a technicality. FIX THIS!!!! I really should report this to BBB. Because this is absolutely ridiculous. I just logged in and decided to pay the card off and never deal with this company again. My credit score literally dropped 15 points because of YOUR mistake.

TayyTae, Aug 09, 2021

you are gonna end up so mad at yourself if you use this app

1. i had a $700 credit limit, finally got my usage to under 50% by bringing my balance to around $300 so my credit was over 600. they out of nowhere did a sweep on everyone’s accounts to lower our credit limits to whatever our balance was, so since i still owed $300 my credit limit was made $300 which made my credit usage 100% which brought my credit score down 30 POINTS 2. i made a lump sum payment to bring it down to below 50% again like $150 which is a LOT of money for me, and they reported to my credit that my account is a FREAKING COLLECTION AND CLOSED. AND I LOST ANOTHER 11 POINTS ON MY CREDIT. HOW DOES THAT WORK. LITERALLY HOW. they also reported that my payments were late for months when i’ve literally been paying them early for months because they take days to actually withdraw the money from your account. i paid $150 when my minimum is $20 a month and they freakin reported it late. i hope whoever’s responsible steps on a lego because this has been such a setback for me. I FINALLY HAD GOOD CREDIT AND Y’ALL TOOK IT FROM ME. i’d take responsibility if there was any to take but i literally did everything RIGHT!! 3. also had these few months when i first started using the app where i couldn’t get them to respond for weeks at a time, and i’m not exaggerating in the slightest. you’re just screwed with this app fr. FOR THE LOVE OF GOD STOP USING THIS APP!

theyreforcingmetomakeanickname, May 04, 2023

Description

Grain helps build your credit and increase your credit line with only a $25 initial deposit. No credit check or physical card. Grain is available in Maryland, Minnesota, New Hampshire, Ohio, and Utah. • Get an offer in minutes - link your primary checking account and see your credit offer in minutes. • Fast access to credit - Start using your credit after placing just $25 of the security deposit. • Use credit in seconds - instantly transfer credit to your linked checking account and use it as cash, from your debit, or any way you’d like. • Build credit - on-time payments help build your credit.

Auto-pay drafts monthly minimum payments before your due date to avoid late and overdraft fees. • Pay deposit in installments - unlock more credit with every installment placed. • Credit reporting - we report your account activity to all three credit bureaus monthly. • Fees - 15% APR and a 1% finance charge on credit advances. A one-time sign-up fee and monthly service fee apply. See Credit Agreement and Terms of Service for more details. • Personalized credit tips - adjust your credit management habits and improve your credit score through actionable recommendations. • Security taken seriously - we protect your data with 256-bit bank-level encryption, and we are FDIC insured. *Credit offer dependent on cash flow in linked checking account. See Credit Agreement and Terms of Service for further details. Grain is headquartered at: 505 14th St Suite 900 Oakland, CA 94612 Grain Help Line: 1 (833) 755-0809 Customer Support: https://graincustomersupport.zendesk.com/hc/en-us Terms of Service: https://trygrain.com/termsofservice/ Privacy Policy: https://trygrain.com/privacypolicy/