PetalReviews of petalcard.com

For the first 3 months everything seemed great. Then I was alerted about "fraudulent activity" on my card, but there were no purchases made on my card that I did not recognize. So I emailed customer service and told them, but got what must've been an automated response telling me I'd be updated when the investigation was done. Two weeks later still no update so I emailed again, only to get the "Welcome to Petal" email as a reply, which was pretty infuriating. After I calmed down I called customer service, hoping to get some actual help. I was told he "couldn't access the account" because it was suspended. He told me I would be updated via email when the investigation was done, even though I had attempted multiple times to tell them no investigation was needed because there were, in fact, no unauthorized purchases made with my card. It has been a month since I've been able to use my card and I have still not received any updates whatsoever. I decided to look up reviews for Petal to see if others had similar issues and lo and behold the ratings are abysmal. My card is now a useless piece of plastic. It's a huge shame because this was my first ever credit card and now my credit score, which was actually good, is going to drop because I'm going to have to close my account and find another company. Horrible customer service, if you can even call it that. Do not even bother with Petal.

I have a Petal 1 credit card. I had two transactions on my billing statement that were fraudulent transactions. I contacted Petal Credit Card Inc. They investigated and said it was not fraudulent transactions made on my account. I sent them a police report showing my phone was lost, and I had other issues with apps and fraudulent transactions orders. They denied my fraudulent dispute on two transactions. I requested this by email after receiving their denial letter. I noticed both transactions happened with a food app delivery company I never used because I am homeless, but I only received mail at that address. Petal credit card sent me the documents from that food app delivery company showing me an email address I never saw before that was used to make fraudulent transactions and other information was not mine. I requested a denial appeal and sent the police report and new questioning the information the food app delivery company documents. Patel's credit card denied it again. I did all I could do to work with Patel Credit Card, but they made me feel like I was guilty of fraudulent transactions from the beginning to the end and how they treated me through the process. They did give me temporary credit for the two amounts of their fraudulent transactions, but I never was able to use it; they had it on hold. I finally closed my account immediately because if fraudulent transactions happen again, I will be responsible for paying it back like I’m now making monthly payments. I strongly do not recommend this card to anyone. Many better credit cards out there to help build good credit. As a member of the American Consumer Council, if I can rate them a “0,” no stars I would have.

I lost both of my jobs due to the covid pandemic back when... I attended college for a year and a half with no income. I just recently returned to work and am currently getting caught up on all my credit cards besides PETAL CARD VISA. I have been making payments to get caught up, but they continue to charge me a late fee without paying the minimum due of 500 dollars. They offer NO payment arrangements of any kind and continue to charge a late fee. How does someone get caught up to their minimum payment if payments are being made but continuing to charge a late fee of 40$? I have contacted PETAL CARD collections and CUSTOMER SERVICE. They state there is no help until I pay the minimum which keeps getting higher each month even when I am attempting to make the payments. They refused to help me set up a hardship payment arrangement and will not stop charging me late fees. Is this even right for the consumer who wants to pay their bill?

They require Plaid to approve you. No thanks. 2FA does not work with Plaid, not going to do it.

not the best at all. would not recommend. signed up for this had an exceptional payment history and then when the pandemic hit they offered no kind of help or pay plans for those affected by the disaster. randomly closed the account instead and have largely refused all inquiries about payment arrangements since that time. would not advise at all if you take your credit seriously customer service is abhorrent and often does not listen at all.

Absolutely rubbish

Liars and thieves. I was preapproved. Having good credit I assumed it wasn't fir the minimum. Hard pull later, yep minimum ampunt. BUT WAIT! Link your bank account for 100 more credit. 500 is bs so I say since y'all lied and I'm basically stuck, ok! Today they said they are a lying fraudulent company and the 100 credit isn't there but my card is on thr way. I called.thek and said cancel their fraudulent card and am about to contact the DTC and attorney generals office

Petal, and their customer service is crap. Stay away from them.