Extra CardReviews of extra.app

The minute you enter your SSN they will open something called “a trade line” and if you decide you don’t want this service (which you will very soon after you realize it takes more points than it gives you or deeper in the application that this seems fishy) they will already have this line of credit open and if you choose to close it, IT WILL DROP YOUR CREDIT SCORE!

I joined in July and now it’s November and my FICO is way up but Extra is not listed as one of my accounts. I recognize the 7 accounts that are there. And you will never get a live person on that phone number listed on the card.

My experience has been dope and wonderful. Thanks extra

Very good help with the credit I recommended

I've been an Extra Debit Card user for 10 months. I originally signed up for the credit building but am now staying for the convenience. You might be wondering what could possibly be so convenient about a "debit" card that only reports to 2 credit bureaus and has a $149 annual fee if you option the least expensive no-rewards plan? Well it's like this: I just recently found out from the Extra support team that once my subscription renewal day has arrived I can option to pay monthly which would bring me to 12 dollars and some change per month. I like having all of my expenses out front and in clear view each month for me to keep track and stay on top of so thank you for this, Extra! I'm no human calculator but I'm guessing its going to be about $12.42ish a month? Heck, I am paying other credit building services double and even triple that amount each month just for a slow steady raise in credit scores. The one thing i've noticed about Extra is I accumulate credit score points at a faster rate with Extra than I would with other traditional credit cards or credit building services. Like with a certain $25 a month credit building service I would gain an X amount of points in 3 months but with Extra I have noticed I gain nearly that same X amount of points with the Extra Debit Card in 1 month when it comes time to being reported. It's not conclusive but I can swear it's as if Extra reports the transactions more often than your traditional credit cards somehow. PLEASE nobody rage or protest I humbly invite you to check out these claims for yourself and hopefully help me fully understand why I am getting such wonderful results each month through Extra. As for only reporting to Experian and Equifax I have some great news in case you missed it the first time. Extra has said that they plan to partner with TransUnion in the future. Yes you can look that up. In fact other trusty review sites have also copied and pasted that claim on their pages so feel free to pressure Extra about that original claim that had originally sold me into paying $149 upfront. OH YEAH, Extra I went there but only because as of today I genuinely believe in you. Please do not forget about your original plans to partner up with TransUnion. You do this and I'll NEVER leave! Heck, I may even sign up for the rewards plan despite me having no interests in shopping outside of my preferred online and physical shopping stores and locations. Your cash prizes and expensive raffles/giveaways are also quite intriguing. One thing you cannot dispute is the fact that they absolutely thrive in customer service! Extra has LIVE human help and are quick to respond to your concerns or requests. You'd think you were talking to a bot with how considerate, understanding and patient they all are. I've had different agents help me in the online chat and I've noticed every single one has been kind, courteous and professional. A lot of other online services could learn from the Extra Team. I personally have multiple credit cards set up to auto pay different bills each month. I never have to worry. With Extra their Extra Debit Card helps cover all of the unscheduled and little purchases in between. I can go to a gas station, pay with my Extra Debit Card and then option to lock/freeze my card in seconds through their mobile app so that no skimmer or thief can get one on me. In fact when you lock/freeze your card and an attempt of use is made you will immediately receive an alert about where and what was declined/blocked. They even have the option to lock/freeze the magnetic strip and pay by chip if you feel magnetic strips are too old school which a lot of us feel. Lets face it, magnetic strips are no longer safe. Thank you, Extra for not forcing the magnetic strip on us! I believe that is about all I got... I feel as if I am forgetting something... hmmm... comes with a virtual card built in it... really cool looking card... credit limit (Spend Power) is what you have in the bank per month... yeah thats all I got. I am very sure there's more but you can always contact Extra for more. They can and will answer any and all questions you might have.

Best card you can find helped me build my self back up and learn responsibility

My experience with Extra over the past 2 years has been great!

This card has made rebuilding my credit easy and fast. The customer service is always quick and helpful. Companies like this, that follow through with their promises and have integrity, are hard to come by. I'm so glad I found Extra though