Read 17 Petal Card Customer Reviews and Complaints (Page 2)

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Average Consumer Rating: 1.6
Rating Snapshot:
5 star: 1 4 star: 2 3 star: 0 2 star: 1 1 star:  13
Bottom Line: 18% would recommend it to a friend
Showing 12-17 of 17
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  • 18 out 19 people found this review helpful

    False advertising all around

    • Chicago, IL,
    • Feb 10, 2019
    • Verified Reviewer

    I have decent credit, I tried this card because I'm interested in Fintech and have some roommates whose credit isn't so stellar and I wanted to test the waters at less risk to me before recommending this card to them.

    I was started at a $750 credit limit - yes, already pretty laughably low if your score is nice, but a great start for someone who needs credit repair! My score increased during this time, I kept my Petal Card paid in full before the payments were due, and I was in the process of paying down my other cards to the extent that my credit score rose about 71 points and my other card companies offered me increases.

    This is where it took a turn for the weird. Petal dropped my limit to $500 - while I had nothing but around $60 unpaid on the card, which I was saving for when the payment was due to show a <10% usage on my TU. No explanation as to why this happened. I called their customer service and the guy on the other end of the line didn't even know what a credit limit increase/decrease was...then he told me to email Petal customer service.

    So yeah, a card that penalizes you for your credit score increasing? A card that penalizes you for paying in full and paying down your other cards (which it has access to?). A card that gets your full financial picture and zigs when you zag...which, if you're a vulnerable person repairing your credit, might be the difference between a poor and fair credit score and close the door to opportunities like renting an apartment or financing a car repair?

    You're better off getting a secured card with Capital One or Discover. At least they won't tank your credit limit for your responsible credit usage.

    Bottom Line: No, I would not recommend this to a friend

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  • 15 out 19 people found this review helpful

    False advertising

    • Dallas, TX,
    • Feb 5, 2019
    • Verified Reviewer

    They applied, they pre-approved me, and then they ran a hard inquiry on my account after claiming they would not affect my credit score, and rejected me. Like others, I have average credit and $5000 monthly intake. The fact is they aren’t fulfilling their end of the bargain, while asking you to leave yourselves vulnerable to them. I wouldn’t risk giving them my financial information since it apparently doesn’t influence the decision much.

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 6 people found this review helpful

    I was approved for a $1500 limit

    • Michigan,
    • Feb 4, 2019
    • Verified Reviewer

    I have a credit score of only 686, I have less than a year of history. I only make about $500 a week. I'm only posting a review so at least someone looking at this site knows that they do approve some people.

    Bottom Line: Yes, I would recommend this to a friend

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  • 21 out 25 people found this review helpful

    False advertisement

    • Texas,
    • Nov 30, 2018
    • Verified Reviewer

    I have a 721 Rico score and make over $10k per month and was declined...I figured I would get approved. I believe Petal just wants access to your information and bank accounts. I reported them to the credit bureaus for fraud.

    Bottom Line: No, I would not recommend this to a friend

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  • 17 out 18 people found this review helpful

    Scam again

    • Kentucky,
    • Nov 12, 2018
    • Verified Reviewer

    They denied me due to my credit. I have 675 credit score with two paid collections from 2015. They even said it's because of my credit. I have a $5k monthly income with money on my account.

    Simply another card for good credit. I guess it's ok to FALSELY advertise nowadays.

    Another scam card for good credit. Wow, morons.

    Bottom Line: No, I would not recommend this to a friend

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  • 20 out 24 people found this review helpful

    Nonsense

    • Texas,
    • Oct 4, 2018
    • Verified Reviewer

    I applied for the card. I have a cash flow of a minimum of $6200 monthly, a checking account with over $20,000 and a credit score of 645 and got denied. Really? I don't see any difference from other cards, not to mention that I gave them my account information.

    Bottom Line: No, I would not recommend this to a friend

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Showing 12-17 of 17

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