My credit is far from perfect, but, with this card has jumped like 30 points in just two months....i love my Capital One card!!!!
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This company uses a bait and switch tactic. They will send you an offer in the mail telling you that you are pre-approved for an incredible price, but after applying with them, they increase the price dramatically. If I could give less than one star I would. The reviews on their website seem fake. Most of the reviews on their site are very short random statement that sings the company's praises. Well first of all, I'm a born-again Christian who has dreams and visions, so to make a long story short, I prayed and asked the Father in Jesus' name about this company and low & behold, I heard the voice of God as I lay in bed, and the Holy Spirit told me verbatim last night, that this company was a trap. In the same night, I saw in a vision, I received from the Holy Spirit, a 4-door sedan was suddenly snatched up to a high ceiling inside a warehouse by something that looked like an upside-down merry-go-round or carnival ride. Both the sedan and the ride kept going around and around while holding onto the vehicle. Both the vehicle and the merry-go-round were clasped together by some force. The vehicle simply kept going around and around on the merry-go-round. So, after hearing the voice of God, and receiving the vision, I was perplexed, because I thought this company was real, but to my dismay I really hate how they wasted my time. Subsequently after hearing & seeing confirmation, I felt I needed to look further into the online reviews, so I found that this company only accepts western union payments, they are known to miscalculate your payments, change your interest rates. A customer stated in his review that this company isn't properly insured so when he tried to leave and go with another bank, no other bank would refinance with him because Open Road isn't properly insured. So because of their lack of FDIC or NCUA insurance, it is a trap. Do not do business with this company. They are trouble. If it sounds too good to be true, then run!!!!! God has never let me down. I thank God that I can depend on Him for help. He is an on-time God. Thank you Jesus.
Psalm 46:1 God is our refuge and strength, a very present help in trouble.
My score is over 800 and I got a message that it is not approved right away, meaning you CANNOT get the amount off your total right away that they offer you. I have never had to have a review - this is a scam to get you to apply for credit, buy what you need, pay full price and get a 'credit'. Which isn't right on principal. Called customer service and they said that I wouldn't be approved for 24-48 hours. Again, the principal of their advertising and their 'approval system' is ridiculous. After the credit I will be cancelling this card - don't care if my credit score goes down b/c of it. May not renew membership. Also, they would not let me log on to my account for this review.
LendUp is one of the best lending companies by far, anyone that bad mouth this company either their not reading the contract before they sign it and or they won't something for nothing #I'mDone