Reported Account as delinquent when their payment portal was not working I would negative stars if it was possible here. Blockfi payment portal went down and was not available for whole of May/June2023 and then suddenly i get my account reported late. How would i be able to make payment when their payment portal is not working and the customer care number is not working. This has hurt my credit score and disputing with credit bureaus is a nightmare and has not fixed anything. I just get a template report back.

if you’re a student with little to no… if you’re a student with little to no debt, this card looks perfect! However, they do not have a good APR%, and are more than willing to go behind your back and decrease tour credit limit, even if your track record is 100% in time and good. Even if you have no credit, it’s still better than them hurting your credit.

Good for international students I've had a Deserve credit card for 3ish years now and I haven't had any problems yet. The cashback is a little low (1%), but overall Deserve is a much better option than what you would usually get if you're an international student or otherwise don't have a SSN. They also seem relatively generous about how often and how much they'll increase your credit limit if you never miss a payment, as I have. Would recommend.

Dishonest company Dishonest company. They partnered with BlockFi to issue credit cards. When Blockfi went under, they closed many people's credit cards - even if they paid bills/paid off card every month. They gave fraudulent reasons for account closure.

Nice Yet Small Credit Card Company 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.