I was having a hard time being approved anywhere and Upgrade said YES! Not just for a tiny 300 card with 39% Apr but to a 3500 dollar line of credit that I may use piece by piece with a debit card or even transfer other balances over from those crappy 39% cards to this line at 24%. This was truly my saving grace and I have no clue how I could ever repay their kindness and trust in me save leaving these reviews EVERYWHERE!!
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The person processing the loan was a jerk. Basically implying that he has to power to approve or deny you based on how well he liked you.
All member reviews (137)
I applied for this card to continue my credit building and for my pc purchase from Dell. What I learned is they are not actually a credit card but a line of credit. I was ok until they asked me to send them my pension papers and had me link my bank account before I actually got completely approved. I was approved for 1k but they said 2k. They refused to give me the other 1k until they got my pension papers. I stopped my bank from sharing and I dropped them, seems a bit scammish to me.
I had 2 accounts 1 green/1black card. The first I was offered 25k, and because i did NOT rush my application,it was immediately dropped to 5k..THEN they locked the account to not be allowed to charge again after i made my first charge and made payments..never late to date.....THENN when i got the blk card, they allowed someone from the U.K. NOT U.S. to charge over 3k on my account with profe information NOT mine...they changed my cell number and state i live in...im a male and the perp was a female and a male....this company will ALLOW you to be ruined.
Credit karma recommended I get another card and after reviewing the offers available I chose upgrade. TURNS OUT, it’s a personal line of credit, NOT A CREDIT CARD…. So it didn’t help my credit at all. Also, not one single statement has balanced. It is always off sometimes up to $25 I also tried to call to change my phone number and they wouldn’t allow me….
It's easy to use no hassles
They approved me with no problem, couldn't be happier
Great card to have.
Applied and was approved after submitting required info. Very happy with the process and quick response . Very happy with my experience with Upgrade.
This card is for people with not so perfect credit, because if our credit was great we would never apply for this card. I got a $300 cl, never had a late payment. They gave me a $100 bonus, with took my limit to $400. I haven't been able to use this card for over 6 mths. Because my credit score dropped a few points. I called and spoke to an cs rep, I said isn't this card for people with some credit issues? I have never been late or over the limit, why would you give me a extra $100 and I can't even use the card? Once this card is paid off, I will cut it and burn it. Capital One treats their customers like real people, and they reward you for being a good customer, not punish you and lock your card due to your score dropping a few points. Upgrade is a downgrade!
Was approved, super easy. Have not used the card yet but security in knowing it is there if I need and. Terms seem easy and better than a regular credit card
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