DeserveReviews of deserve.com

I don't normally write reviews because I don't bother to put in the effort even when it's a bad service. But I had such a bad experience with them, especially at the end that I put in the effort to just create an account here so that I can write one to warn anyone considering opening one in the future (even put my real name!). I was with deserve for 3+ years because it offers easy applications for international students and I wanted to build credit. It was really good at the beginning but the more I use the worse it got encountering problems after problems. I decided to close my account a week ago after getting fed up and it has to be the biggest hassle I've ever experience. The final straw was them charging me interest out of nowhere and how they don't tell you when they will charge. They don't answer emails apparently and also looks for ways to charge you extra. Apparently I will also not get my cashback that I worked to build up by spending using their account cause I closed it (a good company would give their customer what's due when they close their account because that's what they owe/promised). They don't care about their customer! I've been a consistent daily user of their credit card and pay off my dues on time and in full every week. Anyone who see my statements and history can vouch how good of a user I am! So imagine how good of a long term customer I am and they still treat my badly, any new or short term users would be even worse! Very disappointing, heavily NOT recommended, if there's any review you should believe or look at, please take this one into consideration! ------- **Edited section towards deserve team's response: I already tried emailing you guys at that email, the first time you said you will reply in 1-2 business days but it's been a week and haven't gotten a reply. When I try to email deserve again (and just now!), I couldn't as it seems you guys blacklisted my email whether or accident or on purpose because you don't want to deal with me/close my account. So I can't even email you guys anyway at that email even if I wanted to. Also when I email you at another email instead, it works but you just sent me an automated response saying to email you at the one that's on the system for security purpose (which is blacklisted). So you can see how I'm just going in a circle right lol. There's literally no way to contact you by email.

I have loved my Deserve card! I have had no problems thus far, the app is easy to use and follow and I like that there is an option to set up automatic payments despite the fact that I make them manually every month. I like that there is still an option in case I feel the need to use that instead. I have had no issues and I can't wait to keep shopping with it!

Excellent Deserve in every way !

I just love the app. So easy to use and efficient.

Limited operating hours. Payments can sometimes post late when you pay them the day before or on due date. I recommend to always screen shot your payment with date time and confirmation code, to send ad proof if there’s an error of payment posting on time. They are friendly and they do work well to resolve issues. I do like the app. Charges are immediately push notified to your phone. Balances seem to always be real-time. Card can easily be paused on app within 2 seconds.

A great company and give people a chance to rebuild there credit thanks you so much

It is great to use and easy to access everywhere.Great customer service. Fun designs on the cards.Use it for vacations, emergencies. Always there when I need it.

I’ve come to really enjoy this little card. Initially I wasn’t impressed because of the small credit line I had for a long time. But, recently, after regular use, my credit limit has been extended. The rewards system seems to be on par with other reward cards.