DeserveReviews of deserve.com

Very bad in increasing credit limits

I googled "good credit cards for first time-card holders" and Deserve was highly touted. I am 18, making pretty good income for my age, and have zero credit. I was rejected and when I called in to figure out why the agent said "contact a credit analyst". NOT A GOOD CARD FOR FIRST TIMERS! Stay away. They must be great at getting their name out on Google, but not good at anything else.

I have been rejected 4 times already despite having an excellent credit and reason being pointless in antibodies opinion. Am currently a student based on the reasons how do you expect me to fulfill them. Almost like asking for a 23 year old workers but with ten years experience

To whoever is looking for a card and you select deserve credit card do not and I repeat do not apply for this car there are liars you're going to waste your inquiry on your credit report and bring your score down I have a score of 661 and they declined my application so don't waste your time this is what they're stating Serious delinquency and public record or collection filed ● Number of accounts delinquent ● Length of time accounts have been established ● Proportion of current loan balance to original loan amount

It’s really inefficient and unreliable. I should get my card in the beginning of September and this is what the company asks me to expect for. But I didn’t get one until the day they mentioned and I called them for the reasons. They replied there was a shipment problem and they would send out a new one that day so I was expected to get it by Sep. 28. However, they sent me an email on Sep. 24 saying there was another shortage producing the card, so all the process would be delayed. I wrote back in anger that they didn’t obey their commitment and they replied the next day that I need to wait for another 7-10 business days for my card, which would be mid-October. They don’t inform every problem until you contact with them. It’s really in worse service and I recommend applying a BoA credit card instead. :) The phone calls are not working at all. Sometimes no one answered but it was during business hour! Sometimes they didn’t even ring!

Horrible customer service. They don't reply for weeks and there is no way to contact the required team. The customer support representatives have little to no information to handle request related to disputes. No effort is taken to verify the information. Highly disappointed with the service. Unsecure. Update: The team from Deserve replied on Trust Pilot in 1 hour but they haven't contact me in 20 days as they mentioned in their reply. When I try reaching out to them they say please email for which I never get a reply. I have been following on my dispute for 3 months now and have not received any reply from Deserve. This is not the way to handle your loyal customers. Totally disappointed.

I had an absolutely horrible experience from Deserve. I was approved for the Deserve EDU Mastercard on June 23rd and after more than a month, they still haven't sent me the card (August 12th now), despite multiple calls to their customer support. I'll get the second billing statement next week, and still no card! It's just been a total headache dealing with their customer support, who just keeps endlessly pushing back the timeframes for me to receive the card- they made me wait one full month before re-issuing the card, and kept on asking me to wait for a couple more days every time I call them after the standard 5-10 business days time frame. And I've verified my address multiple times, so it seems something is terribly wrong with their shipping, since I've been getting other USPS mails just fine. Just know that if at all something goes wrong, their customer service might just keep giving you false promises without trying to sort out the issue properly. I finally got tired of contacting their customer support, filed a complaint with the CFPB (unsurprisingly, Deserve Inc was not even registered with the CFPB), and got a credit card from Discover- and I finally have some peace of mind.

I helped my daughter try to get this card as her first credit card, starting college. The application process was a nightmare. We followed all the instructions, and then they demanded a copy of her studend ID card. She only had a digital copy, as she hadn't started school yet. Went back and forth with them for weeks, playing phone tag, unable to reach anyone who would answer the phone. Hours wasted, I finally sent an email of my frustrations. A supervisor called and said the digital copy would be fine. So she submitted it again and a week later her whole application was denied because of the lack of student ID (which she had sent successfully numerous times). Total waste of time, we will be going elsewhere and never doing business with Deserve again. *Update. Their response to me directly provided no actual assistance. Their reply on this website was just for show.