Fizz - The Student Card 4+

I joined Fizz because I’ve followed Kyle Prue on TikTok for longer than he’s been promoting Fizz. I saw his commercials and then saw my credit score and said “hey, maybe that will help me”. I’ve had a couple instances where I’ve had to message for assistance, and that process is so easy and personal as well, actually texting with a real person who does everything they can to help and make sure that what they say is accurate. As recent as today, I messaged because I have a balance and my paycheck hasn’t come in as expected and I was stressed that my balance would negatively affect my credit and close my Fizz account. They were able to extend my deadline to accommodate me and they were so friendly and understanding about it. My credit score has improved since using Fizz, and I would give actual stats but I’ve also done other work so I can’t say it was all because of Fizz, but I’ve gained a significant amount of points. As someone who is in debt because of being a dumb kid and also because of debt that I couldn’t really avoid (medical bills sent to collections), it’s very helpful that I can only spend what I have, and that my own money is helping my credit.

As a college student, it can so be so hard to get a good credit card that has cash back offers, low interest fees, etc. This is not the case with Fizz. Once you sign up for Fizz and put in all of the needed information, you automatically get the card right away with Apple Pay. It connects to your bank account so it helps prevent overspending, there are no interest fees, and no hard check on your credit. In the end, there is ZERO harm in this card, it only helps you earn credit and save money and different restaurants/shops around your college campus. The app is very user-friendly and it shows you how to navigate throughout the different feature of the app. Also, you can’t forget to pay your bill because there is an automatic system that pays it every night. I HIGHLY recommend this app!!

I have been using Fizz for several months now and have overall enjoyed my experince but have a few qualms, especially with the app. Firstly, it's a line of credit but is labeled as a debit card, despite it not exactly functioning like a debit card. I also find the way it auto-categorizes transactions to be flawed, as I have some subscriptions that have not been flagged as such, and therefore do not receive the 3x points I could be receiving, and there is no way to go in and manually change them or easily request it to be changed. You also need to accumulate 1000 points before being able to redeem them, which I find unnecessarily restrictive. When it comes to getting support, the only option is by chat (no phone option, which is annoying) and I've had to wait hours to days sometimes to hear anything back, so it is pretty evident that their customer support team is lacking in numbers. While I don't regret getting this card, I do think there's a number of improvements that could be made for the customer experience and I hope to see some as the company develops further.