DeserveReviews of deserve.com

Situation solved, thanks

I have had a smooth experience as a first time credit card user

My first credit card, love the color scheme on it, credit reports monthly, and fair credit limit.

I like that they accepted me for a credit card when I initially had no credit, and that with my on time payments, my credit limit has been increasing a lot. Thanks to them, I have a good, developing credit score.

If you are a student with zero credit history and low income this credit card is a solid option. When I applied I had no credit score and very little income and I was accepted. The Deserve Edu does help build credit, because they report your payments to both Experian and Transunion, however they do not report to Equifax. Another great aspect of this card is that credit limit increases, in my experience, are common. Rewards are lackluster, the amazon prime signup bonus is good, but the 1% cash back is quite bad considering you can only recieve your cash back after you accumulate $25. This means you must spend $2500 to recieve ANY cash back. Overall I would recommend this card, but certain aspects of it keep my rating at a 4/5. Edit: After reading the reply I attempted to find my equifax reports. They do indeed report to Equifax as well. Changing review to 5 stars.

although the initial credit limit was only $500, i noticed after more activity on the card and obviously paying on time, my limit was raised to $2500. i do not have any cards with $500 credit line and quite a few of them are well over $10,000 but now the issue is resolved and i don't see a reason to cancel my card because of low credit limit.$500 to me means if i want to keep my utilization below 10 percent i can only charge maximum of $50 on a card and that's why for keeping my scores above 770 (average) i need to follow this rule.

Customer service was so so terrible. Called AND emailed multiple times and talked to several people who did not have the answer to a simple question. International call center does not work at all. Card was also declined many many times abroad at places it should have worked. Credit limit was JUST increased from $500 to $1,000 after a full year even though I have two other credit cards (american express and bank of america) offering a $8,000+ credit line. I have never paid a bill late and always pay the full amount I can. The rewards are also terrible. I can literally get double the amount of rewards through any other bank. Will be cancelling this card very soon. UPDATE: I would like to note that I responded to customer service representative below to give them feedback and they repeatedly ignored me and did not respond to any my communications.

I disputed a GooglePlay charge. I did buy the service (a feature in an app) but was it never delivered. The developer didn't respond either. After disputing the charge, maybe 5 months ago, the dispute still hasn't been resolved. Would recommend to give up the card entirely.