PetalReviews of petalcard.com

I got approved but never received my card. I sent emails but no response, then they closed my account. I would stay away from this card. Janky.

Such bad hidden fees and horrible service

Horrible customer service and ridiculous policies. My card expired and they refused to ship to PO Boxes claiming it as “not secure” when it’s under a lock under the supervision of the post office when regular mailboxes are easily stolen from.. They don’t give a crap about rural areas that can’t get mail delivered. Took weeks to get any kind of response from customer service and my questions were never fully answered. I had to email multiple times to get anything back. Completely unprofessional.

I filed an application including my banking info which was mandatory. Fir an email back saying they needed more and to call etc which I did. They couldn't help me and seemed confused as to why I was calling. Have emailed several times with no response.

I had to write a 2nd review of these low life's. They are very RACISTS against certain ETHNIC GROUPS!!! I have a credit score of 700 and told me NO after sending me several offers!

ISSUE #1: March 7, 2025 I bought an item from Best Buy. I returned the item less than 2 hours later as it did not work. On my statement Petal listed the -$64.19 and then promptly added $64.19 to my balance. This has NOT bee corrected and they indicate a balance $64.19 HIGHER than what it actually is. This will now be TWO months of interest they are collecting for a balance that does not exit. Petal wee informed of this obvious mistake via email on March 10, 2025. To date they refuse/have not corrected it and continue to charge interest on a balance NOT owed. ISSUE #2: On March 10, I wrote via e-mail, to Petal regarding the $100 increase. I reminded them that I have NEVER been late with my payment for well over a year, and NEVER gone over my limit, and also that their advertising regarding credit increases is false advertising. My income is NET over 1K per Week. Their advertising IS false, and is clearly stated to manipulate people to get their card. ISSUE #3: After all the above, this is where it get interesting. On March 28, 2025 I receive an email informing me that my payment is 2 days late. I NEVER received any payment reminder like I have all this time... BEFORE.... complaining to them about their services and shady practices (see #1 above) They also charged me $25 late fee! It is very obvious that this company resort to dirty games in the event you call their shady business practices and false advertising out out!! I did not receive any notification of payment due! Keep in mind, the amount they say I owe is incorrect by $64.19 (see #1 above) and they are charging me interest on it too! This Company's business practices need to be investigated! What they are doing is Fraudulent/False advertising. I could NEVER recommend this credit card to anyone. They will deliberately "forget" or "glitch" with their system in order to 'teach you a lesson" for speaking up about their shady business practices. Read ALL the reviews. They are not credible..

Ever feel like you are constantly getting singled out and discriminated against because of your heritage? Well, then this card is definitely not for you. I have several credit cards in my wallet with limits over $10,000. About three years ago I foolishly applied for this Petal card. I was approved for a measly $1300 credit limit. I was shocked! Over the next three years I continued to play their foolish games by flawlessly completing what they call “leap challenges” which is a juvenile way this company makes you beg like a dog for a limit increase, only to decline the request by saying “ we are not considering increases at this time”. My credit score is close to 800 across all three bureaus, anytime I’ve used this piece of crap card, I have paid the balance down to zero by close of every billing cycle. I’ve been nothing but the perfect and responsible consumer. So, only one of two things or maybe both are going on here. They would like me to carry a large balance so they can charge me exorbitant interest rates, or, the one I truly suspect is that they do not like my Hispanic surname. I urge you to take this review to heart and definitely reconsider even thinking about opening an account with this sham operation. I’m not a person who uses the race card often or unseriously but this is the only excuse I can think of as to why it’s been three years without any consideration at all from Petal. The part that really gets you in the end is that when you have access to over $100,000 between several cards and you are two points away from an 800 credit score, this stupid racist card with this measly $1300 balance sticks out like a sore thumb and prevents you from moving forward. And, if you cancel the card, your length of credit metric takes a hit on your credit report. Seriously do not do business with this company. It will just be years and years of degradation and disappointment. Shame on you, Petal!

I've had the Petal 2 Card for several years and things were flawless. Approximately one month ago, I woke up to emails from Petal about fraudulent charges. I disputed those charges and just like other customers, I was on the hook for more than 75% of the balance. Customer service was no help whatsoever