Review Time
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 decideYou want to close the account you areStill 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!
I’ve been a longtime customer with this company for five years. It was great to start building my credit. The problem is it recently all current members got charged a membership fee or yearly fee there was no way around it. We are not allowed to upgrade to the brand new cards that they have we are not allowed to do anything. We are to cancel our account and never be a customer with them again or to pay a monthly fee or yearly fee with them, meanwhile all new customers get a bunch of new benefits no annual fee no membership fees at all. Meanwhile I’ve been with them for five years and I’m getting kicked out I get no options to upgrade anything I’ve been in contact with them via email they refused to help me. Sorry you close your account will never do business with you again you should’ve paid the membership fees is pretty much is what I’m getting told they won’t do anything to assist with this conflict. I highly do not recommend getting them getting them.Doing some research the CEO of the company is Jeremy Gross. We should all start sending emails like I currently have actually been doing with Customer service but we should all start sending them to Jeremy Gross the CEO see how he likes being bombarded by all of the customers that werekicked out of having a card with them or so on and so forth all of us who feel that we’ve been wronged by this company or scammed by this company
Trash company. Charging monthly, or hurting your credit by forcing you to cancel. F this company. Doesn't matter if you pay on-time every single month. They force the upgrade and you either pay, or you cancel and hurt your credit. Terrible company that deserves to fail.
Well, first off - it's a great card if you're trying to build your credit BUT - I never expected for them to go behind my back after all these years of paying in full every single month by "changing" my account to Petal Rise by force. Basically, I either close the account (which hurts my credit score) or keep the "downgraded" account but start paying a monthly fee of $8 on top of fees for cash-like purchases. Below is a word-for-word statement from the email they sent out."We are writing to notify you that we are replacing your Petal 2 account with a Petal 1 Rise account. Your Petal 1 Rise account will have the following fees and terms: Monthly Membership Fee of $8; we are expanding the types of purchases permitted on your account;we are adding a transaction fee on purchases that are cash-like transactions; andlate fees and returned payment fees."I responded by saying I'd like to keep the Petal 2 Card and not be upgraded into the Petal Rise garbage. Crickets. No response at all.So, yeah. I'm closing the account thank you very much. AVOID. Very deceptive. They lure you in to their Petal Cards and then once they see that they can't make money off of you, they "upgrade" your account to a paid version and you cannot keep the current one. Wow.
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