Extra CardToday, over 100 million Americans don't want or can't get a credit card... and we understand why! Credit cards come with cons. Like overspending, high-interest rates, inaccessibility, and mountains of debt.But, a great credit score can change lives. Especially with important long-term goals, like securing a housing mortgage, or getting the best possible repayment plan on your big purchases. Despite this, there are very few credit-building alternatives. Enter Extra.Our mission is to create a safer, more accessible credit experience with the ease and predictability of a debit card. With Extra, you can relax as you work towards your long-term goals and avoid the pitfalls and traps of a credit card—no credit checks, no interest rates, and no hidden fees.
Extra Card (extra.app) has 832 customer reviews on Five Star Index, with an average rating of 4.3 out of 5.
Is this your business?
Correct your details and reply to customers in public. Both are free.
Claim this listing
Investments & Wealth · NEW YORK, New York
Excellent
Investments & Wealth · Seal Beach, California
Excellent
Investments & Wealth · New York, New York
Excellent
Investments & Wealth · Conyers, Georgia
Excellent
Showing 94 reviews with 1 star · Clear filters
24k T.
Don’t do it people I’m telling you. They will take money out your bank account and will not report to the credit bureaus. I used them for three months and they never reported anything. It’s a waste of money and your score will not improve.
Brian T.
Be ADVISED!! THE EXTRA CREDIT CARD IS NOTHING BUT A SCAM TO GET YOU TO PAY MONTHLY FEES. IF YOU DONT USW THE CARD YOU WILL BE PAYING MORE IN B.S. MEMBERSHIP FEES THAN RECEIVING CREDIT BENEFITS. DONT USE THESE CROOKS!!!!
I am C.
This place is a scam they take your money and decrease your score THIS PLACE IS FRAUD DONT DO BUSINESS WITH THIS PLACE !!
Cam M.
At first when I got extra it was a good thing my credit was building up and then all of a sudden it start playing with my account taking money out putting money back in taking money out put money back in and it is finally told me that I owed them some money so I sent two payments in for the amounts that they ask for and put my credit back up to $200 went on a road trip where my family and the $200 disappeared into a negative $174 then the next day it dropped down to $124 when I asked them what was going on with the account they said the corrections was made in that I should see a change in my account pretty soon so I waited for about 2 days and they hit me with your payment never went through and this is been 5 days since I made the payment so I'm not understanding how it wasn't accepted or my payment didn't go through when I gave you guys the money 5 days ago it came out of my account I show proof that it came out of my account and they still had me in a negative then a couple days go by from that and they put me at $6 and they said my payment didn't go through and that I still owe them even though that my bank account shows and reflects that I paid them twice very unhappy with this app I tried to cancel out yet got an answer back for cancellation nor repayment on my account everything that sounds good might not be good for you
axel P.
extra was a boon at first. That was then, this is now. I had two experiences where they claimed a "failed refund,". It was nothing other than a vendor getting an authorization that ultimately wasn't charged - no charge, no refund. Guess AI thought, ugh twice in a couple months, let's cancel the card. edit - 06/27/24 - well, I did get in touch with what appeared to a living, breathing, English speaking human who did set everything right. Until today ... All fees waived, everything good, and then I tried to relink my bank account, which they had used, no problem, for nearly three year. Extra forces you to use Plaid - a con if ever I've seen one. Anyhow, in good faith, though extra's app forced to give plain my usernames, password, account number, routing number ... and then they tell me my bank, 8th largest in US, old account ... they don't work with plaid right now. Can I use another bank? No, I don't have another personal checking account. Can you open one? At this point, they are playing you. like a lot of American institutions, they started out to do good and make money, but the doing good part of the equation is gone, which is what Extra hopefully is soon - gone. They're harming vulnerable people. Extra's fault now my problem. Don't do it.
A. M.
I have been trying to cancel a service that does not deliver its purpose, but no human has been able to talk to me about it. Emails come and go with different names, which I am sure are just automated replies. The day I expressed my frustration with the service, I started receiving unauthorized charges, so I had to block my bank account. Once it was clarified that only two old charges were mine, I tried to close the card through the app, but it did not allow me to do anything, all the information is blank. I need to close this card by sending them a check to the account they could point out for this. This experience of trying to close the extra card has been getting worse and worse. I have been paying their fee for two years with no good tangible results, even though I don't use credit cards (I only have one), and when I asked for an upgrade, it was denied. There are no humans from Extra Card to fix this problem. Dealing with this 2 months now.Dont use this card, save you the headache!
paulo C.
a disaster the app.nothing works.customer service phone doesn,t work.emails sometimes got a robot msg.it,s terrible.a really scam
Ira M.
They take way to long to draft the money out of your account and will leave you in the negative. Be careful. Definitely not worth the $25 monthly membership fee. And they will not refund your monthly membership fee if you don't cancel before 30 days. It's in the terms and conditions of the fine print. I learned the hard way.