Tiny Trish
I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other factors such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. The app is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got the app. I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I he not set up on auto pay and as a result he been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.
Developer Response 05/27/2020 We're working to make the mobile app experience the best around. We'll share your feedback and suggestions with our app developers. Thanks for taking the time to let us know about your experience.