cred.ai Reviews

by Kirbyokc

When this company started if you had any issue you could call and get some one who spoke English that could fix this right away.. now you get someone who barley speaks English, they can't do anything but setup a time for you to be called back.. they can't even reset your password, expect for walk you through how to do it on credai .. this was a great service and a wonderful card to have now it's just like any other credit card, outsourced Customer Service, no one to help you.. My issue incase someone reads this is: I tried to login to credai , it told me there is a problem, ok I figured I forgot the password, so I go to reset it, and it tells me something went wrong.. I call and the guy tells me that he needs to escalate this to some other team.. then I ask my balance, which I know should be over $2500, they tell me it's 30.. 30 what.. then I'm told that I have to wait till Monday(it's Friday) to talk to someone other then this person. Ok so now I'm missing at least $2400 and I have to wait till Monday to find out what is going on.. they can't tell you anything other then "I can setup an appointment for a product specialist to call you back."

by Bumpadoodle

This god awful company has held my funds from me for over a month with so many calls and emails from me and minimal to no response from them. The customer service claims to not have supervisors, or if you reach someone else they put you on hold long enough for you to lose your mind and hang up so they don’t actually have to escalate your issue. They also refuse to transfer you to the dispute team “after the first time you speak to them” if you call again for an update due to some insane policy. Even after a report to the BBB and other agencies still nothing. Finally, was told that there was a temporary credit on my account, but I couldn’t see or use it until they solved my case, which wasn’t the case for the other charge they gave me a temporary credit for that showed up immediately. Someone messed up, and won’t take accountability for it. Do yourself a favor and just get a secured card that’ll do the same thing without screwing you over.

by Ambrosia_Alderete

I only use this card when I deposit money into the account. This week I deposited over $300, my Christmas spending money, and it has disappeared in a few hours, and apparently there is an additional deficit of my account of $659, which is impossible for me to have done as I had no moneydeposited and the credit function turned off. I can’t even see what this charge is from my app- I was just told about it by a support representative. I have called the support center 3 times and have been given only the excuse of “credai is being updated and this is a result “ andno-one will explain what that means, they just offer to set up a call back appointment 2 days from now. I am so disappointed as before this issue I loved this card and the security I felt using it. But now I am out $300 right before Christmas, with have my gift list untouched.

by Kalel215

I came across credai and this service from a you tube channel that I watch daily. I’m currently trying to repair my credit score due to filling bankruptcy 2 and half years ago. I was totally sold on this to help my score to buy a house.

Unfortunately, when filling out the application there’s a question that asks if you’ve filled bankruptcy in the last 5 years. Which automatically disqualifies you from applying.

My issue is if this is supposed to act like a secured credit card. For which you have to load money on it, in order to use it. Then why such a long waiting period?

by Abands

credai is a scam. They locked my card for no reason and told me I can’t do anything but wait for a phone call and that there will not be a timeframe when my card will be unlocked. All I did was add $100 to the card and that instantly locked it. The $100 came right from my own bank account and now it is locked on the card. I didn’t read the reviews and I just looked at the score. Had I read the reviews I would’ve noticed all good reviews are all fake and the bad ones are the true horror stories. Apple need to pull credai from credai Store because they are liable if I get a app that pretends to help build credit but it actually steals money from you. I still have not gotten my phone call and I don’t expect one. When do criminals ever call about giving you back the money they stole from you.

by SwankPeRFection

This company has a junk sign-up process. No matter what I do, it won’t verify address on card I’m asking it to use. I have a feeling they do this because they have some kind of deal or kickback with Plaid, which is kind of shady. I’ve verified the info with my bank several times and I even ran a AVS check on my card myself via my work and it’s correct… still the stupid application says it doesn’t match up. That’s absolutely wrong and trash! You need to get your backed AVS system up to date or tied into someone better who’s got up to date records and updates as they happen. I also don’t have any other billing issues with this card for the billing address. Clearly it’s your junk backed door that’s broken! FIX IT!!!!! I’m not going to use Plaid!

by Maxcess

For some reason they make it very difficult to open a simple secure credit account. Despite staring by asking for you to connect them directly to you secure information to your main personal bank account to quote “expedited the account opening process” but even though I did gave them access to that, it took them a week before getting back to me in an email then they asked for 10 different items including, my passport, my ssn, my DL, my Utilities Bill, my phone bill, my picture, and many more unnecessary items. This is way too much unnecessary secure information for a simple account.
I gave less documents for mortgage application then these guys asked for.
Something doesn’t add up here. I don’t find this very secure for an online bank specially when there is nothing but hard to reach over the phone customer service. Please be cautious with amount of personal information you’re providing this “online bank”. Keep in mind non of the major well known banks will ever ask for this much information. There is absolutely no reason for that.

by PissedJournee

credai is alright. Aside from being wildly difficult to navigate, after losing and replacing my regular bank card, I have yet to find a way to change it in the system. The bank linking system is also very confusing. And I think you may have to download and set up a separate app entirely to do that. I used it a few times with the minimum $100 payment but I won’t be renewing it. ( however it did help improve my credit )
It would just be easier to get a real credit card for me at this point. This is too confusing. Maybe I will revisit it one day when many, many updates have been made…

by Sunny Swae

credai is really cool, interesting, and innovative. But there is way too much going on. With a banking app I want all of my information right there. Not news and 4 different tabs and animation. I see that they are targeting a specific group but if they are serious about mobile banking you need to have a streamlined application. Although I do believe with the services they provide they can make some noise. But to stick around you need to have a user friendly streamlined and easy to navigate application. Will update once I use more.

by EyeWouldDie4U

This is a good idea, but transferring money back and forth between Cred and another bank is terrible. It’s almost 2022; you would think these things would be instant for a so-called “AI” company, yet it’s not. It takes trips to and from multiple ATMs to get money where I need it instantly. Also, since the card doesn’t read as a debit card, I can’t use it for Zelle, etc. I love credai and the card, but it does leave a lot to be desired if it hopes to be a main competitor for a brick-and-mortar bank.

by Misses Me-ow

It’s painfully obvious that EVERY SINGLE 5 star review posted is a bot or paid review and not that of an actual customer/user. The 1 star, scary stories, however, are clearly being left as warnings to others from people angry and upset about their money being “stolen” for lack of a better word. They wouldn’t need to offer such a cute, highly desirable card for free that costs $50+ for anything similar through other banks if there wasn’t a reason for them to do desperately want you to provide your personal info and access to your financial institutions.
#proceedwithcaution

by Irks Hand

App works amazingly and the interface is excellent. There are so many awesome features, first the stealth card is awesome. I love being able to generate new numbers within a few seconds. Also the card itself is great the Metal card is by far the nicest card I have ever seen. It’s also much better than any other debit card I have had before, while building credit! Overall amazing app would 100% recommend to everyone.

by Nyccanda

I can’t tell you how pleased I am with the functionality of credai & card. Just the mere fact that using this card increases your credit is amazing in itself. It works for you, not against you, like traditional credit cards do. And the stealth mode is ABSOLUTELY AMAZING! More a and more features continue to be added. You definitely want to arm yourself with the sleek, innovative, credit worthy card!

by TweekieOne

Backed by the incredible John Legend, this card is absolutely mind-blowing! My credit rating has gone from “poor” to “good”- in 7 months! It’s actually a debit card that you can instantly fund (between multiple accounts and other debit cards), so you can’t overspend (no fees or overdrafts, ever!) but it reports to the credit bureaus as a credit card.

If you need help building up or improving your credit score...GET THIS CARD! You’ll be glad you did!

by Subadonic

Finally a card for all credit types with absolutely zero fees! Yes, credai takes a little getting used to, but honestly, I’m not complaining.

I received my metal card (very cool) within 10 days of signing up, and within another week, I had a new “credit card” added to my Experian report with a limit of $1500. From what I’ve read, everyone gets the same “limit”.

To be 100% clear: this is essentially a secured card where you don’t have to pay a deposit. Simply fund the card using an existing debit/ACH account and then spend as you would any other credit card. Your utilization will get reported every month.

You can also create multiple online cards which can be deleted after you’ve made your purchases.

I hope they come out with even more products, because I’m hooked!

by Camshaft5

I love the card, I love credai . The one thing I would like to see is a widget for quick access to available money without having to load into credai .

Also, like any other new bank if you deposit a check they will hold the first one for 9 business days. Luckily I didn’t need the money I deposited by check so 2 weeks of waiting wasn’t terrible.

by Donoedro210

I’m not sure what this card does for me exactly, but I was recommended this service by a Credit Repair Specialist. Best card ever! I am very pleased by this card. Never any issues, prompt and to the point. Only thing I would change is how much I can transfer so I can keep using it as my primary account. Recommend it to people I know! Also, does this service offer business accounts?

by Igorpiedade

I got the Unicorn Card for only 1 reason: “build my credit score”. For some weeks I felt completely frustrated because I put money in it, I spent money and nothing. So a contacted the support and they told me that the bank does the reports once a month and it happens in the meddle of the month. I wait for it and it works good. My score shows up better then my wife how got a Bank of America card. I’m so happy.

by Dylan BK

I received my card about a year ago, after signing up it came in mail within days! As a bonus it comes in a really cool package and the metal card feels and looks great! I use it all the time wherever I go, and it is super convenient. On top of that it builds your credit every-time you use it After only about 6 months of use my credit score went from 0 to 720! I highly recommend this credit card.

by Citrus_Fantasy

I’m one that usually reads reviews but not post. credai is amazing! I signed up for it and received my card in the mail within a week. The card is awesome and has a very nice feel to it. And this company does exactly what they say they will do to your credit score. I do appreciate this company helping me have a better credit score and giving such a high quality product with great options in credai .

by TimBourbon34

This a great app that is easy to use. I really enjoy all of the easy to use banking features. I like the Cred News section. There are some fantastic stories and videos there of stories you won’t see anywhere else.

by Bm7265

So far I’ve had no issues. credai is super easy to use. My entire family has their own card and we all love it!

by SanjeevGarg

This is a really good concept and credai . Metal card on top of that is icing on the cake. I am just waiting for an invite to get the full experience. I hope I get an invite soon.

by Jerkinyerkin

Seriously great app design. Hope it gets adopted by a lot of people. I see 0 advertising or anything though, and 0 social media activity from the team… not sure what it means but still

by Hu-hey

Super easy app to use, it’s structured super nicely and the card is amazing. I love the metal weight and people always say it’s nice. credai doesn’t look how I thought it would but it’s great! Would be nice if they introduced a cash back initiative!

by Ernieluna

Amazing card ..looks Greta ans credai is the best banking app out there ...supper easy to use and detailed ..just a pleasure to feel appreciated by a bank !!!!
Thanks
Hope they offer other retakes of cards in the future maybe a custom metal card for a one time fee would be cool

by Auxillary2

Awesome app, awesome product, awesome feel. The this app team did not overlook the smallest details. credai changes how I view and manage my spending and the card has features that friends are asking about. Feels amazing in your hand and offers unparalleled support, security, and benefits.

by Hunterwillian

credai has an amazing layout and it’s so much more than a “normal” bank app. There is so much to it and I think it’s great. It is very easy to use and is very self explanatory. I love this card and bank and am very excited to see what it’s future holds.

by Littman5

This does everything it has the most amazing in her face so much better than all the other cards I have used easy to deposit checks and the stealth mode is amazing. I highly recommend this for anyone. All my kids got one as well!

by HarrisGev

Love the card and app. The ability to use an online stealth card that changes weekly is a huge plus. The card links perfectly with my Venmo as well. Feel much more protected using this card than others. The card also looks very sleek.

by Skemra

I was so happy to get approved and it’s my first metal card and I love it!!! I haven’t seen my score go up yet because I just started. But I love using my card! Thank you so much!