DeserveReviews of deserve.com

Amazing card

It’s great, easy and simple. The process of applying for a credit card is amazing. Even as a long time card holder for them, their app is easy to use and helps you see all your payment activity. Most of all, you get to see your credit score for free. This is a great card for beginners who need to begin credit history! Overall, I highly recommend it!

good credit card to start with, especially if you have no credit built up.

I am using deserve credit card from last one year..they didn't increase my credit limit.. they increase the limit after one year which is very bad because i regularly used card and paid before the time and i not have any penalties....i have call several time to increase my limit...the customer service is not good...

After spending and paying off more than $53,000 in a 7-8 month period, I had a PayPal purchase from an out of state vendor that provided me a defective product. I attempted to work in good faith with the vendor for a couple of months, with lots of requests for my patience when I called in to inquire and telling me someone would get back with me to provide an RMA (Return Merchandise Authorization). After couple months of being run around and no resolution in sight, I realized that I needed to just dispute the charge. Given my history with other Credit Cards I filed directly with my card company (Deserve) - spoiler alert... I should've just filed with PayPal. I provided quite a bit of documentation including dates, times, and money expended attempting to have professionals troubleshoot the product I'd received before ultimately concluding it was defective or poorly designed. After filing everything via e-mail (as the Dispute team will NOT actually talk with someone over the phone), I received an e-mail several weeks later saying that they had not found in my favor on the dispute. Once I requested the evidence used to determine the decision, I was sent a mostly blank form sent to them by the seller with the only evidence being in the notes section. It said: “Hi, the customer had 30 days to return the unit they have not done so. Please provide a tracking number. Thank You” So after providing ample documentation of initiating conversations well within the 30 day return period (side note, PayPal protects you for 6 months against defective products regardless of the return policy), and then demonstrating they had continually kicked the can down the road by refusing to provide me an RMA #, the determination was based on the seller saying essentially "well, they had 30 days... too bad sucker!"? Over my last 20 years or so using credit cards, the odd disputes I've filed have all been either conceded by the seller or found in my favor by the Credit Card Company. Between all my Credit Cards, I typically spend around $15-20k/mo (and have the occasional month where I spend $250-300k in a month for business). I have never been so disappointed with shear lack of concern or effort put forth by a Credit Card provider. If you are able, stick with Chase Bank, AMEX, & Apple Credit Cards. They actually work to protect their users.

The problem of card failure often occurs, but the card with other banks can be passed. Now I have brought other credit cards with me and put this card in home

This is the best credit card for students. Not only do I get a percentage back but I earned a credit increase. I hope that pattern continues.

Really help to build your credit score. Loving it!