MyProsperCard 4+

This is one of the most infuriating credit cards I have ever had. I have to literally open the app before making a purchase to ensure my location is available so the charge won’t get declined. Ordering online is next to impossible. And now they released an update yesterday and the app won’t open at all. It keeps stating I need to update the app because the version I have is unsupported. I did update the app, tried force closing it, restarting my phone, but still no luck. Super annoying.

Unlike most other cards, it is very confusing at first. You have to check specific transactions and approve what stores, vendors who sell nicotine or alcohol. I had the same thing happen at a restaurant. Later found out it was because I needed to check the box saying it is ok to use at a merchant who serves over 21 alc. I will say after you set it up. It has worked. I also would strongly recommend not using the offered e-card for purchases prior to receiving the real card, even if it is for a “great discount”. It adds confusion. Almost impossible to call and resolve. Also, with so many merchants being hacked and people being DISHONEST honest, make sure you do not have, unless wanted the box checked for installments or repeated. Or a company who is not honest could bill you as many times as they would like. It is extremely difficult to explain on the phone. Honestly, other then the app issues I am having right now, it has been ok. The set up and issues I had at the beginning were a rough start. I had one merchant attempt to charge over 10 times for a 1 time charge. Thank goodness I had already learned how to prevent this and had my settings to protect myself vs having to call. Overall, it has been good. If you just have the patience to make it through the rough start. Be sure to really read and find the page where you select your specific choices. Hope this offers encouragement. Thank You

I applied for this card as a subsidy to my bank account for groceries or gas. The customer service is horrible. I had a name change in April and I have had to jump through all these hoops to update my personal information. Now I am locked out of my account. I was told by their generic email server that I have to mail in documentation of my name change. I did. I mailed a cover letter with my updated information as well as a copy of my new drivers license and a copy of my new social security card. They never sent me a new card. And then had the nerve to tell me I had to call to update my email address. I did that today and the person John I spoke to was completely incompetent and useless. So was his "manager". They locked my old card after I told them I needed to go grocery shopping this weekend. I can't wait 7-10 business days for a new card. The idiot John told me to go to another store that takes Apple Pay. Why should I be inconvenienced for their mess ups? The app is horrible too. I can't wait to pay off this card and be done with them.