Contact Petal Card Support

I have been with Petal since they first started accepting customers. I aways pay off in full, and have never been late/missed a payment whatsoever. My experience has always been pleasant even with the lack of any rewards (the new ones they rolled out are garbage at best), until recently that is... I received notice my credit limit would DROP to $750 from several times that amount originally due to “lack of usage”. All the while, when asking for a credit limit increase in the past, I was told “MAKE SURE YOUR UTILIZATION IS LOW AND YOU PAY OFF” by their customer service. I have never had a card decrease my limit due to not using it enough, especially after being a positive customer for so long. I am closing my account as it is just clutter in my wallet anyway, and do not recommend Petal to anyone except those who have subpar credit and really need something like this. Fortunately, I’m not there, so I’ll stick to my higher rewards cards and forget about Petal. :)

I recently changed my phone number and thought Oh it’ll be fine. I’ll just go into the account settings or call them up and I’ll be good to go. Ha nope. You have to use your freaking phone number to login every time and that is the only way. Cause my password is totally not safe already and face id. What a joke. They’re email is screwed up and they can’t approve all the written information for my new number. Like another reviewer said, do i really need to go through an fbi interview to change my phone number and they can’t trust the information you are telling them over the phone?! Common guys. Get with the program. Every other credit card company i have i just punch in my new phone number and done. No hassle. You can’t even login through your computer without your phone!

Unless you have a 700+ credit score they “might” approve you! But just stay far away! They are anything but a credit card with a conscience. They will run a credit check and their credit response comes from Experian, if you are new to credit or just starting out or have been delinquent but have paid off your delinquency you will still be DENIED! I have a 645 credit score i had late payments in the past year when i got laid off, but all that has been paid to date when i went back to work. i’m concerned about my personal info. now in their possession and who knows what they will do with it! But you better hope you make a good salary and have a clean credit with just a 700+ credit score. They a joke like everyone else that so claim to help your credit