I used to be a lendup customer (payday loan) and was offered to open a credit line via mail. I used to have bad credit at 560, this is the only card that gave me a chance. I started out at $300 credit limit, they increased it to $600, and now it is at $2000. I pay it on time and keep the balance low. My optimization also improved because they have increased my credit limit. My score improves everytime they gave me an increase. Thank you so much! My credit is now at 699, slowly but surely and it kept me away from payday loans for two years! Thank you so much! I highly recommend!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
Most Helpful Positive Review
Most Helpful Negative Review
So I got a flyer in the mail saying I was pre approved for the Arrow Card, like most mailers I thought it was just spam and once you applied I would get denied but to my surpise I was approved with a $1K credit limit. The card came in the mail a few days later and I created my account. I do give props for Lend up giving me a good credit line not even a year after CH 7 bankrupcy, so why did I rate them 3 stars? For one the website and app take almost 3 hours to update for any transaction, so if I make a purchase and check the app really quick it wont show up at all nor will my avaible credit show a deduction which can be really bad for people making multiple purchases. My bigest compalint of them all is it takes them 5-6 days after you make a payment for them to release your credit balance. I have never had a card take so long to process a payment and release the credit funds even though my bank shows the funds debited from my account. Lend Up says this is for my own protection so I dont go over my limit, but I dont understand how that works because if the funds arent released in a timley maner then I will for sure go over my credit limit. On the CS end its just out right terrible, when you call in you get one of thoose low quality generic automated answer systems and when you finally get transfered to an agent no one ever picks up, I held for over 30 minutes with still no one to pick up, if you message them though you do get a response rather quickly but some matters just need to be discussed over the phone. Overall I am thankful Lend Up provided me this card, but due to the processing times it takes to show charges on my account and how long it takes to process my payments this card will sit in my safe only to be used in emergencies. As well for anyone intrested this card does NOT support Apple Pay, Samsung Pay or Google Pay.
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