Review Time
After paying a premium subscription for over a year, they said that they were issuing better cards but that never happened. Since August and now mid November, they claim to not be taking new customers and yet people are still signing up, this is a scam that will seriously damage your credit score
I started Jan 2024. They started upgrading around July/Aug 2024 and as of 1/30/2025, they're still down.When it's in business, It's totally worth it but not at the moment and to be honest it's a bit frustrating because they've been unavailable and useless for the past 6 months due to an apparent "upgrade" to their rewards and payment program, basically the entire point of their service. So after 7 months of having incredible service and outcome with them, they effectively shut down with no timeframe on returning set. They said we're upgrading our banking partners and will be gone for a short while, giving the impression out would be maybe a month at the most. No info or inkling this would be a long term issue as it's turned out to be. There was no notice that this upgrade would basically end service because I would have gone somewhere else already because I've just been waiting like a dummy. I need my credit repaired and sitting around this long waiting for their program upgrade with no contact from them about a status makes me the idiot. Plus their app has been removed from the play store so as of right now this is a failure and such a terrible loss.
I was trying to sign up for membership and was told could not be verified. Had the option to do manual verification which I did and was still denied because I am in the U.S Virgin Island which is part of the United States. That is crazy to me but that was after the hold was placed on my credit card. How ironic, your company has no problem requesting for a hold charge but won't accept my membership. Sucks that they lose a potential customer because of limitations. In response to your comment I am not in any receipt of any card nor membership as of current.
Rebuilding credit is not always a slow and painful process. No matter what the circumstance, with patience and on time payments things will get better! StellarFi continues being instrumental in rebuilding my credit. There is never a case of overdraft or funds being charged if your balance does not have enough to cover the payment. They exhibit effective communication, empathy and patience. I've had many issues arise, questions answered and things explained when using both the $4.99 and $9.99 plans. Very timely responses and they are here to ensure you are on the right path. Excellent experience and I will continue to use them because why not? You're paying bills anyway, why not let that contribute to boosting your credit score?! I highly recommend StellarFi!
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