EXTRA: Build Credit with Debit Reviews

From the moment I read their business model, I knew this card would work. And it didn’t take long for me to realize that I was right. I’ve been using my this app Card for only 3 weeks (app only, card is in mail), the first transaction report has already been filed and my credit has shot up 51 points! I understand the reasons to be skeptical, I considered them all before allowing this app access to my bank account. But this is the real deal, guys. everything has been great so far. EXTRA is easy to navigate, you’ll like the interface, everything is in big lettering, easy to understand and operate. SO SIMPLE. It sends little reminders for things like balance alerts, spend power increases, and, if you’re like me, accidentally leaving your card on FREEZE (another cool feature of the this app Card is an on/off “freeze card” option found in EXTRA ), the support staff are very friendly and helpful, there is a messaging service in EXTRA , it connects you to them pretty quickly and they work FAST to resolve any issue that may come up. If your goal is to build credit, give this a try. For me, I pretty much had nothing to lose, which means everything to gain! Thank you, this app Card, you guys are great!

I have been using this app Card for 2 months so far, they reported to my credit companies as my credit score went up almost 100 points, they way the card works is depending on the available balance in your checking account, they would change how much you can spend on a transaction. First they would give you a 100$ spend power and once we finish 5 daily bank transfers which I think is per transaction they would bump you up to a spend power of 300 and then to 500 and then to 800, after that they would give you a spend power of 80% of your checking account balance. If your checking account has a balance of 3000$ then your spend power on your this app card would be 2400$. They transfer money from your checking account after each transaction but it would take at least 3 days to complete that transfer and by the time they report it to the credit companies they it would always show as paid on time and are in good standards which helps building your credit score a lot.
They would charge you a subscription charge which is worthy to pay account to my usage so far.

Update: my credit score went up 100 points after 3 months. this app is reported as revolving on my experian dashboard. From 500’s, I went to 600 and I would continue keeping this app. It’s such a cool idea.

Check out my old review below.

this app helps to build credit history at cost of $8 a month OR $12 a month with option of earning points. Anyways, if you need to rebuild credit or construct a positive history then this might be the most affordable option. I have tried prepaid secure credit cards, prepaid loans & what not. They all cost hundreds of dollars plus commitment towards a contract. this app is better option since there is no sticky contract involved, another you use your own money to build credit and not borrowed money like credit cards. At cost of a monthly fee you get security of debt free credit building plus an this app layer of protection between your debit card & the merchant. One golden feature that even this app doesn’t mention is their awesome customer service as chat option. Easiest reachable & available. Love it ❤️

From the moment I read their business model, I knew this card would work. And it didn't take long for me to realize that I was right. I've been using my this app Card for only 3 weeks (app only, card is in mail), the first transaction report has already been filed and my credit has shot up 51 points! I understand the reasons to be skeptical, I considered them all before allowing this app access to my bank account. But this is the real deal, guys. everything has been great so far. EXTRA is easy to navigate, you'll like the interface, everything is in big lettering, easy to understand and operate. SO SIMPLE. It sends little reminders for things like balance alerts, spend power increases, and, if you're like me, accidentally leaving your card on FREEZE (another cool feature of the this app Card is an on/off "freeze card" option found in EXTRA ), the support staff are very friendly and helpful, there is a messaging service in EXTRA , it connects you to them pretty quickly and they work FAST to resolve any issue that may come up. If your goal is to build credit, give this a try. For me, I pretty much had nothing to lose, which means everything to gain! Thank you, this app Card, you guys are great!

A young 18 year old me didnt quite understand credit and made some financial mistakes that plummeted my credit score quickly. At 25 I am still recovering and it hasnt been easy to make it past a certain score because even after paying off all my debts, I get denied for every single credit card. How is a person supposed to get anywhere if they dont make it feasible to do the things that improve your score? this app is the answer. It has been so seamless since signing up. Ive been using this app for a little over a month and just had my first report to the credit bureaus and my score went up 50 points!! Im not sure how much more my score will keep going up with using this app but even if it doesn’t change much from here, Im super happy with even just the 50 point increase! this app isnt going to fix all your credit issues but its a big help to people like me who seem to have got themselves in a credit rut and dont have a lot of this app money to take on credit cards, loans, etc.

I’ve only been using this app for about 2 weeks. I’ve gotten my first report of my account opening and it helped my credit raise a few scores. It does exactly like advertised where to have 80% of your banks available balance up to a certain amount (with limits and restrictions at first) so you can make purchases like a credit card. Then the next day they deduct the funds which reflects in your bank in 1-3 days after the purchase. It’s great. Support always answers in like 5 minutes if you’re like me and keep your funds in your savings and transfer to your checking to make a purchase, so I’m always contacting support to manually updated my balance to use the card and it’s never a hassle. I do wish some of the points went a longer way with the rewards/deals or if we could cash them out to gift cards, but that’s just complaining about free stuff I should be appreciative of, because they didn’t have to provide it.

I know it may seem strange how everyone is giving it 5 stars or so (although i’m giving it a 4), but this thing really does what it claims: it really boosts you’re scores, i’ve had it for about a week now and my transunion score has gone up a WHOPPING 66 points!! In just a fricken weak? Thats amazing! the $8 membership really pays for itself! The only issue i have with it so far is the fact that it doesn't stay concurrent with my actual bank balance or it doesn't update how much i actually have in my bank and i have to speak with concierge (which is basically customer support) for about 4-5 minutes every day or so before a purchase so that EXTRA actually reflects how much is in my bank account and doesn't lag behind. Another problem i have with it is the fact that it doesn't allow me to use 100% of whats in my bank. Basically: of the money you have in your bank right now, you only get to use 80% of that with this card, and i’m not sure why, maybe security reasons? Definitely worth the $8 monthly membership!

I’ll preface this by saying, I wasn’t raised in the US and didn’t fully understand the importance of credit when I came here. As a result, I made a series of bad decisions when in college as well as when starting my consulting business that resulted in my having a low credit score.

This year, one of my goals was to make a concerted effort to pay off debt as well as significantly increase my credit score so I could get a better vehicle as well as more funding for my business.

Thats when I came across this app. At first, I was a little skeptical but it had good reviews and the concept made perfect sense. It’s a very smart way to build credit, by just spending like I was going to anyway at least on daily stuff like food or a couple software subscriptions.

I didn’t expect it to make such a huge impact in such a short time, in fact, I wouldn’t believe it if I didn’t see it, but in using this app alone, I’ve not paid off anything since starting, haven’t opened any more lines of credit, nothing apart from getting this app, I’ve went up 94 points in the past 30 days alone.

Im almost at 600 again for the first time in about 3 years. Ive pretty much been just using debit for every single purchase or rent or having to putdown ridiculous down payments or security deposits. Im super super glad I decided to use it and I promise you wont be disappointed by it.

Give it a shot and get your credit up!

After the rude awakening that my cognitive decision to avoid credit cards sunk in, I knew I had to start damage control. Problem with that is, unless you have “established credit” either good OR bad, you are at a stalemate for progress. I was moving at a snails pace with Experian (and took an 8 point hit when I applied for a SECURED card) with TransUnion barely in the lead. I can admit I was starting to feel a bit defeated when Fate struck as luck would have it. I ran across an ad for this app. I was intrigued, as I had Just Been Discussing this exact concept with a friend while venting about the Point Loss. I was impressed and appreciated the omission of a credit check, and the money you already “own” being used for your advantage. Within 1 calendar month (Nov 1, 2021 -to- Nov 30, 2021) my Experian score jumped up ^66 points!!!! Sixty-Six!!!!

I can’t wait to update the continued progress after January is completed!
THIS IS THE SMARTEST & MOST MODERN EDGE way of Credit Repair/Building!!!!

I was skeptical at first and I did a lot of research and read a lot of reviews. Obviously you can’t make everyone happy. But I have had it for about 5 weeks. My spending power went up very quickly. I used it on smaller purchases like mobile game transactions and then increased to bigger transactions as my spending power increased. Today I got an email from my credit telling me I got a 22 point increase today from the this app card being added to my account. In just one month it’s went up 22 point. If you use your normal bank debit card often I would definitely recommend getting an this app debit card so it can report to your credit . Also it takes a few weeks to get your physical card but they give you the virtual card with in 2 days . I definitely recommend giving it a try , especially if your already using a normal debit bank card that does not report to the credit bureau’s.

My boyfriend recommended this card to me and I love it so far. It really does as it says and helps improve your credit score. It works like a debit card by taking money out of an existing account, but every time you make a purchase, it’s marked as if you paid it off, like if you were to pay off every credit card transaction immediately after making it. I don’t know if that makes any sense, but I hope it does. Bottom line, just get it! If you don’t like it, you can always close the account. $8/mo for the regular card and $12/mo for the rewards program. Pretty good deal if you ask me. Also, the customer service is great! You can call and speak to a representative or contact them via their chat option directly from EXTRA . The representatives are all super nice and getting problems solved is so easy. I 100% recommend getting this card if you need a little credit boost.

I signed up for EXTRA in August and decided to go with the one year plan.

EXTRA promises to help improve your score and the marketing implies you can pay anything with it. However- due to some risk mitigation measures EXTRA actually limits what you can purchase- generally through a maximum spend, which slowly…. and I mean slowly increases with time.

It promises daily withdrawals and regular updates to your account- but in general I found that a week was about the average time it took for my daily expenses to clear my bank, and then reflect on EXTRA . This meant that the increases to my max spend were really really slow. Once you hit your max spend- you can’t use EXTRA .

Another downfall of EXTRA - is that it doesn’t work all banks. I recently closed my Bank of America account and switched to a credit union- which did not work on this app. After nearly three months of waiting for an update I finally quit EXTRA .

HOWEVER…. in the short time that I used it, there was a noticeable improvement on my credit score of about 18 points. I imagine with consistent reporting and longer term use, My score would have improved even greater.

It’s a great concept, and I think once they figure out all the kinks with EXTRA , and are able to improve transfers it would be even better.

I have fairly good credit and was hoping to use it to get into the top tier- but alas I’ll have to try another service.

I have had the this app card for quite some time now. Unfortunately, remembering to actually use the card has been somewhat of a task 😬. I contacted support to cancel my subscription since I was paying for something each month that I wasn’t using. Instead of just cancelling my subscription, support gave me the option to keep my subscription going, refund me for the month I was just charged, and give me an this app month for free so I could really think about if I wanted to cancel or not. If that isn’t A+ customer service, then I don’t know what is! 💯 This is definitely a wonderful concept and I feel it would help my credit drastically, especially in its current state. I just have to remember to use the dang card! 🤦🏻‍♀️😂 I would like to thank the many customer support agents who helped me with my account and, ultimately, persuaded me to stick with it!! Y’all are the real MVPs!! 💯💯

So when I saw this, this app Debit/ Credit card ad on Instagram I was a little hesitant. I did my research. Ordered it, gave it a shot. Today, it hit my credit report for Equifax and Experian. I only got a 2 point increase in the first month but honestly, I’m happy with it thus far. It’s easy to use. It’s directly linked to my checking account. I earn points. I’m not a point guy, I’d rather cash back but hey it’s a plus and it’s a way of learning this credit and how to use them. This card honestly is what opened my eyes to credit and diving deep into understand how things are reported, what to dispute and where to put your money. I’m glad I have it. I’ll use it for little things now like my subscriptions. Order yours, I highly recommend it. I’ll do more reviews on this card every month stating my increase.

So 1 month in, I used it everyday. 2 point increase. Let’s see what I can do next month.

I was really excited about this card because I need to build my credit and it was a good looking card, black and sleek. Not a green or cheap looking card. I’ve only had it a short while so I haven’t seen a credit change yet but overall it’s working great! The only thing I wish they clarified better is that their “cash back” isn’t exactly cash back. They have a reward store where you can spend your points and at first I was bummed because I didn’t like nor need anything from the store, but then found the gift card section and I can happily spend my points on their wide variety of gift cards to choose from! So, so far so good! Also, contacting them with any questions or concerns is a breeze! They always respond within a minute or two max and are very kind and helpful! I’ll update my review once I see a credit change and how much it affects it!

I have to say that I didn’t think that something like this would be available for someone like me, but low and behold, this app is doing big things here. With the Spend Limits, you get to keep yourself in a budget while also building (or rebuilding) your credit. If you get the Premium membership, in addition to all the benefits, you get access to a huge assortment of rewards and you’re able to build points based on your transactions and activity. My only concern that I have is the timing it takes for your transactions to send from your bank seem like they take forever, but I’m sure they are working on enhancing that in the future.

Between this app, Grain, and a few other services out there, you can guarantee that you can build or rebuild your credit based on your everyday activity…and it helps you develop way better for your future!

I could not be happier with this app! My finances are a bit limited and I can’t hardly afford to do major things to improve my credit like pay off my debt in lump sums or risk taking out loans that could just put me further behind. So the idea that I can use my small, every day debit purchases to improve my credit is just a total no-brainer. The concierge service has always been very fast and efficient and responded within minutes, and the points system is a really cool way to save money and get some truly great, original products at very discounted prices. Everyone should be using EXTRA no matter if it’s to improve their credit score or just further bolster an already good one. It’s only a matter of time before everyone catches on lol I wish I would have thought of this idea first! 5 stars all the way!

Used my account for 3 months with no reporting to any credit bureau. When I contacted customer service they told me to “check again I was probably looking at Trans Union and they only report to Equifax.” I sent them screenshots of my new tire Equifax report with no reporting. They said they would look I to it and get back to me. Instead they deleted the conversation. I contacted them a week later and was told again that I must be stupid and looking at the wrong report. Sent screenshots again. They gave me the same “I’ll look into it and get back with you.” I refused and told them to cancel my account. It took 5 requests over and hour long chat for them finally to agree to close my account but they still will not address the fees they charged for a service never provided. Purposely scamming people out of money every month with the promise of better credit when all it does is cost you a fee to use your own bank account. Stay far away. Get a debit card from Credit Karma or anyone with a real company. I shouldn’t have looked closer at their parent name “Thing Thingy Inc.” obviously a scam.

“Member concierge” is fancy for let me “escalate” something I should be able to fix right here.
I was requested a bank statement, provided it. Waited as it was “being reviewed” which takes multiple business days. And then would just get another “we need additional documents…a bank statement.” This loop went on 4-5 times. Each time they’d request the same document, they would never tell me what was wrong with the last one I gave them. It’s pretty simple: bank statement with your name. I asked “member concierge” and was told, oh were having an issue I’ll contact you later. To then be sent an email which said
“I see where you are asked for the documents to be uploaded. This may be an error on our part. I will have to escalate the issue to our verification team to review it for you. It may take 1-2 business days.”

Verification team did not leave any indication as to why this document I’ve provided 5 times (diff bank statements, different manners of upload etc) was not adequate? Probably a waste of money unfortunately..

Ive had the card about 3-4 weeks now , and I gotta say I was skeptical as everyone I’ve spoke to was aswell , but what has calm me down and made me really trust this new card company is that literaly they reply personally in love to my every single one question within seconds !!!! Every single time ! Everyone I have spoken to which have been a few people have been like ridiculously nice to me ! And they are so knowledgeable which has made me a super happy customer ! I think the 12$ option I chose is extremely well worth it because I noticed I spend 15-20$ daily on fast food at lunch at work and I thought 12 a month was bad but it’s actually like 40 cents a day to help my credit get better , the transactions have cleared perfectly ,it’s just such a different but modern way to help me out . I definitely!!!! Recommend it . 💯

I am definitely loving my this app credit builder app, account, and card. It is putting me on the pathway of a higher and better credit score. In addition, I love how my spending power increases and makes my credit score better on a month to month basis. Not to mention, I can purchase items through their apps as well, and it”ll also help me improve my credit score. I am so elated about this app. Their customer service is excellent as well. Today, I needed some information about my spending power and transfer. It only took them less than a minute to respond. The customer service agent that I chatted with was professional, empathetic, patient, and very helpful. I would recommend this company to anyone that’s wanting to rebuild their credit and acquire a higher credit score. Sincerely, Don from San Antonio, TX

I was supposed to receive my this app card on Monday and had scanned proof from USPS that it would arrive in my mailbox. When I didn’t receive it that day, I knew something was wrong. I patiently waited two days to ensure that perhaps the mail was scanned and possibly not delivered. Unfortunately, it was delivered to the wrong recipient and that person was not honest enough to return it to its proper owner.

I immediately reached out to customer service without any high expectations. I was extremely pleased that I received a swift response and remedy within a few minutes! I have yet to experience this with any other agency. I highly recommend this card service; it’s more than apparent that they place emphasis on the customer and resolving their issue rather than bickering back and forth with you.

I haven’t had it very long but the spending power goals they set out for you has you wanting to use the card.

It’s like getting a credit increase with another credit card but you’re building credit with your own money on your bank account and any money you spend with that card goes toward the payment they post in your credit report, I’m almost up to $500 spending power just after a few weeks.

There are no overdrafts because they won’t let you because it’s protected by your bank account, after the pandemic and watching how my credit score plummeted over 100 points I’m glad companies like this app are thinking outside the box to help us out get back on track!

I have only been using EXTRA for a couple of days so far. My this app card came sooner than expected. I am excited for the opportunity to build my credit with just simple transactions I’d be making regardless! The reward points are awesome as well. EXTRA is simple and convenient. The only thing I would give feedback on, is that I feel we should not be charged the monthly membership fee until we actually activate the card. It took about 2 weeks to receive mine and I was charged from the moment I signed up and ordered the card, and was not able to utilize the benefits until I actually received it. This meant that only 2 weeks after receiving the card would I have to pay for the next months fee. Apart from that, this is a great idea and awesome innovation on credit building.

I’ve throughly enjoy my experience thus far using my this app card! Considering I lose my regular debit card monthly 😅 this is an amazing hack for me when my debit has its regularly scheduled disappearing act. Not to mention, the member concierge service is quick and extremely polite!

The process in getting my card was super fast! And I did refer a friend immediately after getting the card.

Rebuilding my credit is the point where in at in life (Im age 25 cleaning up the credit mess I made in college haha) so I’m excited to see the impact this has. I have high hopes and even if my score doesn’t increase by using this I would still give EXTRA & card 5 stars just because of its ease of use, customer service, and user friendly app. 😃 great job this app 👏🏼

I was extremely hesitant to sign up for this card. I didn’t understand how a debit card could help my credit.
So I booked a call with a rep from the company and she really sent it home for me! Carmen answered ALL of my questions and walked me through every aspect of how the card works, company story, and how they report to the bureaus.
In a world of pre recorded / press 9 to hear these options again, it’s a relief when a friendly voice on the other line takes the time to break things down and give you the confidence you need to help make a financial decision. I believe these people are really trying to help others. I’m excited to see what this app can do for me.

Started using this app beginning of January 2021. Was a little hesitant at first as they are still in Beta, but I took a swing anyway to be apart of the launch. At first I didn’t see much difference with my credit report as it takes time to see an impact. After about 3 months, I started seeing this app on my report and how it was helping. It’s been great so far. So much better than using my regular debit card. Who needs a debit card when you can use this app for the same thing and build credit with it at the same time. Looking forward to all the ideas going into this company. Well worth the purchase.

I just subscribed today to the credit reporting + rewards plan and encountered an issue when uploading my identity documents/selfie. I reached out to the concierge and spoke with Kathleen, who promptly and courteously addressed my problem. I’m told it will take a few days to verify (since it’s a small team that manually does this). Obviously I have not received the card yet, but the concept of using the money in your bank account as a line of credit to report & build on is brilliant. My credit score is barely a 600 currently so I am eager to see what impact this app will have made in a few months/year from now.

Sometimes you’re just in the dark about the coolest things .. this app is the most amazing card ever - it gives you EVERYTHING & more - plus people that worry about you & your money -
I was devastated after a terrible divorce - my credit ruined, financially paralyzed by unforeseen costs .. they offered me help on building my credit & loans that no other bank would offer - who knew that “money” people cared..

Going through tough times is hard enough but to have this community, this place to go to to help you recover that is REALLY there for you when you need it & I mean 24/7.. problem solving with you .. & I’ve only touched the surface of the tons of different custom tailored goodies they offer..

I’ll be eternally grateful to this app .. & I know money’s not everything but when you’re going through a difficult time & you have a company that goes all out to help you get back on your feet.. that’s something else

I will be part of their community forever!

Thank you this app!!

My credit was really low and Even by paying off some of the debt my credit score wasn’t budging. I couldn’t get a credit card and I don’t have the money to put down right away for a secured card. I came across this app and I was a little iffy about it but $12 a month to fix your credit and build a better future ? You can’t beat it. My first month using it my score went up 107 points!!!! And that’s only by using it in place of my bank card a few times my first month. They report to equifax & Experian and both of those WERE really low. I’m super excited to keep seeing it go up!

I have only been using this app for a short time, but I can already tell you a few things:

1. It’s not a scam. This is a legit card and it’s offerings are 100% real. It may be a bit pricey for its monthly subscription, but think about the long term benefits of using this card. Your credit score will build on a regular basis and this may lead to so much more potential spending power and borrowing power down the road. I am trying to raise my score to buy a new car and this is a perfect way to help boost that score.

2. You get to earn points to buy things from their store, which is stocked with very cool and relevant, cutting edge products as well as gift cards and subscriptions.

3. Their 24/7 concierge service is tremendously helpful. They are available within a few minutes and is a real human on the other end. This is so helpful as they literally will answer any question you have.

If you’re trying to build you credit score, you must have the this app card too!