Petal Card

Ive had a credit line with this company for a few years, the only reason i have one with them is because they were the only cc company to accept my application considering i was young and had no established credit. It was fine when i paid on time until i lost my job and my financial/ living situations changed and I couldn’t keep up with the payments. The interest on this card is HIGH at 33% and they dont allow bank transfers or give credit limit increases. If your payment bounces from your bank and you pay a day late they charge $30 fee no remorse. They offer NO FORGIVENESS whatsoever and I was declined for a credit limit increase so i can pay it off and not have so much interest even though i have a good history of my account paying on time and in full. they are charging me almost $45 a month in interest and that’s nearly half of what i can afford to pay every month. this company only cares about money and is a scam to get people with no credit to work with them so they can make money off of them with high interest. After i pay it off closing my account. my other credit lines dont do this. Literally go to any other place to get a credit card!

I loved this card, I was so happy to be able to start building credit. BUT the first purchase I made with this card ($12 from safeway) caused it to immediately suspend. My first purchase! So I figured that maybe the card just needed to learn my spending habits so it doesn’t assume fraud, and gave it another chance. After I got it unsuspended, it worked for a day and a half. I tried to buy my ($20) medication and boom, suspended again. I waited 8 days for them to figure out that no, this isn’t suspicious activity. Calling didn’t help, you can’t get through to the people making those decisions, you’ll be bounced around and told “you’ll get an email when they make their decision”. Finally, unsuspended. The purchases that have been blocked are all in my hometown, under my name, and under $50. So finally I figured that I’ll try ONE more time, out of a need to establish my credit. Bought a $5 item, which was fine, then a $15 item, and the familiar “suspended for suspicious activity” message popped up once again. I tried to call numerous times to see why they kept assuming suspicious activity, all they could say was “I don’t know, we’re looking into it”. So yeah.. be wary. BTW, I had no bad credit previous to this, just no credit at all as im a college student.

I had a quite bad credit score actually if you ask me. It wasn’t even in the 600’s I don’t think if that not much over I was instantly approved for this card with a $2500 limit. I thought it was a gimmick but it wasn’t. I love the card. I now have many cards but this one actually has lower interest then my Apple Card my credit one card or first bank MasterCard and the app is also great has many features like showing your debt to how much money you have in your bank account and also free credit score. I would recommend this card to anyone. The only negative thing I can say is that My husband was denied I don’t know how , and once you apply once if you get denied they don’t ever let you apply again which I do think is pretty stupid But my credit score has gone up now since getting this card I was approved for more. Now I have about ten cards and make sure to use them wisely