PetalReviews of petalcard.com

How I wish I had read these reviews before signing up with this company. 8 dollars a month for awful service, on top of a very high interest rate. Petal used to be just ok but now they are putting an even heavier burden on those least able to carry the weight. Shame on them for their greediness. I wish I'd never open an account and will be paying it off ASAP.

Avoid this company at all costs. And for current or former customers who are dealing with the $8 membership fee plus late fees and finance charges assessed on a balance that consists of ONLY the membership fee, please file complaints with the BBB and most importantly, the FDIC. This is borderline predatory lending and they need to be held accountable.

Absolute scam. Class-action level fraud. For starters, they will randomly decline purchases for no apparent reason despite plenty of available credit and nothing suspicious about the transaction whatsoever. There is no way to flag the transaction as valid. Customer service is closed on the weekends. Customer service employees are horrid, awful, rude creatures. Customer service employees have no authority to approve transactions. When you make a payment, it can take 1-2 weeks to post and show available credit. Company is likely running on fumes and creates all sorts of ways to reduce their liability in terms of you actually using their credit card that you are paying an $8 /month membership fee for. Don't be tempted. Stay away. Far, far, far, far away from this useless "credit card."

Customer service us intolerably rude. I filed a dispute for a rental scam. Petal closed it without even looking into because they wanted a new address as proof. As I told them, I'm living in my truck and don't have a 'new' address. They refused to reopen the case, or file a new dispute. I tried to explain what proof I did have, but the little wench just hung up on me.

The worse card and terrible customer service on the planet. I’m closing my account with them

Absolutely a company trying to pocket from the dead since no opt in required for $8/month fee.

Horrible experience with Petal "fee free" credit builder credit card. Took less than 5 minutes to apply and get approved, but years later they pull a Bait-n-switch and start charging a $8 monthly membership fee...but worse they have made it near to impossible to close my account. The app is useless when it come to closing your account. It directs you to call, but puts you on an eternal hold. 7 times I had to hang up after being on hold for over 20 minutes. I reached out via the apps Contact Us but never received any response. Finally after waiting on hold for over 25 minutes with my phone on speaker. I received the worst customer service. Was threatened that if the $8 fees imposed on my zero balance account were not paid, late fees and other charges would be added. The company is supposed to be a "Credit Builder company" and is pulling a bait-n-switch credit card scheme. Do yourself a favor and stay far away from this failing company.

How do we sue this company this was a total bait and switch scam I have recorded 4 managers saying “it was a business decision based on the current credit climate” lol what does that even mean I’ve been with these guys for 3 years now but now you guys wanna charge me $8 per month on top of interest wow!!! And get this if you didn’t opt out and then decide You want to close the account you are Still responsible for that $8 monthly fee on top of paying your balance down with interest! Lol I wish I thought of this scam cause this is one of the best I’ve seen!