Tuesday, November 10, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
832 reviews
Extra CardSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Today, over 100 million Americans don't want or can't get a credit card... and we understand why! Credit cards come with cons. Like overspending, high-interest rates, inaccessibility, and mountains of debt.But, a great credit score can change lives. Especially with important long-term goals, like securing a housing mortgage, or getting the best possible repayment plan on your big purchases. Despite this, there are very few credit-building alternatives. Enter Extra.Our mission is to create a safer, more accessible credit experience with the ease and predictability of a debit card. With Extra, you can relax as you work towards your long-term goals and avoid the pitfalls and traps of a credit card—no credit checks, no interest rates, and no hidden fees.
Extra Card (extra.app) has 832 customer reviews on The Fair Hearing, with an average rating of 4.3 out of 5.
Showing 94 reviews with 1 star · Clear filters
Got denied, said I committed fraud but didn't say how.
By Unhappy C.
Response from Extra Card· Feb 28, 2023
Please keep in mind that our system reviews several factors to determine eligibility, and we are unable to service your account and allow use of our product without your identity being verified. While we truly appreciate your interest in Extra - we were unable to approve your application at this time.
Can't use my card. I've submitted my documents but I haven't heard back in two weeks? I received my card in the mail but it's been two weeks and I haven't been able to set up my pin?
By Ronald G.
Response from Extra Card· Feb 28, 2023
Hey Ronald! I appreciate you bringing this to our attention. I think I can see what the cause of the delay was here. I escalated this to our KYC specialists and someone will be reaching out to you via email.
No change in credit score after the first or second month. What am I paying for?
By Georgina C.
Response from Extra Card· Feb 28, 2023
Hey Georgina. As you know, there could be a number of factors in your credit file that are driving your score and it is heavily impacted by your overall history. Positive payment activity is really the bedrock to establishing and maintaining good credit, and with Extra, you can eliminate the complications that come with overspending on traditional credit cards. It can simply take time to exemplify good use of a new tradeline and have it reflect in your score. I do hope you'll give us some more time. We'd like to see you stick around long enough to feel the benefits of what got you interested in Extra in the first place.
extra won’t cancel my subscription after request Worst experience Avoid
By Jose A.
Response from Extra Card· Mar 2, 2023
Hey Jose. We apologize for the frustration you ran into while attempting to cancel. I peeped at your account and it looks like we have since completed your request. We're sorry to see you go. If there is anything we can do to clear up and issue you were experiencing and turn your experience around, please don't hesitate to reach out to [email protected].
Extra doesn't show up on all reports and has not improved my rating any significant amount.
By Brick
Response from Extra Card· Feb 21, 2023
Hey Brick! We appreciate your feedback. Please ensure you're checking Experian to see our credit reports. You're welcome to contact Member Concierge through the Extra App, and we can look into your account.
Have had the card over a year but every single time I’ve used it it’s been declined so I just don’t use it
By Anthony M.
Response from Extra Card· Feb 18, 2023
Hey Anthony! Please reach out to Member Concierge or email [email protected] and we'll see what's going on so you can use your card!
trash company trash service trash support
By DumbDIckHead
Response from Extra Card· Feb 17, 2023
We're sorry you had an unfavorable experience. If you would like someone to look into your account, please email [email protected] and we'll connect you to a specialist.
Disappointed I tried getting a new card gave all the information I needed to and still got the run around. When I did everything right on my end. The service was great but customer service not so much.
By Kenneth Matthew W.
Response from Extra Card· Feb 15, 2023
Hey Kenneth! We're sorry your experience has been unfavorable. If you email [email protected] we'll happily connect you to a specialist. Please note, if your account was previously closed and reported to the credit bureaus as closed, we are unable to reactivate at this time, due to limitations with re-opening tradelines.
