Steer clear from this credit card and if you already have one make sure you remove your “automatic payment” method immediately. Especially if you’re using a banking account and routing number as one of your sources of information on file. They will take a large payment from you any time they choose to and claim you gave them a call and made a payment from your own phone number over the phone. They did this to me, claiming I made a call to them on a Sunday, and made a payment of $1,145. I never call credit card companies to make payments and already had paid my bill for the month. They refuse to return the funds and I had to officially file a dispute (as advised by my banker to do) at the Bank of Missouri and the State of GA. Trust me! The app is sketchy! And no I haven’t been refunded yet.

I had to babysit this card for a while. They enjoyed marking my account "inactive" and I needed to call 3 times in 5 weeks as I was being declined with a large available credit. No reasoning really either- Facebook charges my account daily during ad campaigns, Fortiva decided it "looks fraudulent", that the largest advertising platform in America is charging me for advertising --- Another, I changed my phone number.. Needed to call again because it "looked fraudulent", that I changed my number. I finally called them and told them I'm done with their garbage and am closing the account. They agreed to use common sense from now on so I agreed to continue using their services. Since then, maybe 8 months ago, the card seems to work MUCH better now that they leave it alone.They also charge you for a credit limit increase. Yes, you get a credit limit increase like normal...then they charge you for it. Other than lackluster customer service and dumb policies, the card itself isn't too bad. My card isn't damaged at all but for 6 months I can't use it in person other than at a handful of stores. It reads "chip error", then declines the slide. I did let them know and no offer was made to replace my defective card - it worked great for about a year, now I don't even carry it because it's anything but reliable.I do recommend it and the people I know who have gotten the card haven't had any issues that I know of.

This company I feel in my own opinion Thames advantage of people with less than good credit, charging high interest then they offer you a credit to pay a portion of your bill as I did but then they want to make you wait 14 buisness days to get the credit, so that’s about 3 weeks and during that time wham they hit you with bigger interest, then I did miss two payments thinking I only missed one and they closed my account without informing me at all, no letter in the mail, no phone call and no email, I can’t wait to pay this card off and I will NEVER get it again after this experience, do yourself a favor and look for better cards like capital one and or imagine

I had plenty of instances where the card would decline even though there is plenty of credit available. I have had a situation that happened twice where my card would decline and they will hold that charge anyway in your account for a long period of time. You will not be able to access the credit from that transaction until it gets voided its what they say from the merchant. Mind you the merchant is Home Depot. Home Depot can’t find record to this transaction because the card declined. I would not recommend this financial institution. Sunbit or any other would probably do better.