Prosper Card Reviews

Since the new updates, you can no longer login into your account! I want to pay my remaining balance, so I can close this account. Please help!

I got approved for $1500. Had it less then a month and only used it for three small gas purchases. Paid in full. Got home today and got a message with no explanation given with my credit line being reduced to $500. When I called they said that my credit line was reduced due to delinquency on my credit. I have all my debts paid off and my cars paid off this year. I told them if they wanted to alter the contract so soon after establishing if I couldn’t have confidence they wouldn’t do so further and that I wouldn’t waste my time. I closed my account immediately. A shame because they have a good app. I wanted to do business with them but I’m sure that this is how they trick people to stay with their card. I wouldn’t suggest ever utilizing their services in the future.

ProsperCard is a total mess. Can no longer access my account since their update!! Customer service is no help at all!!

Title says it all. Will be canceling this card ASAP.

An absolute joke of a company. They sent me an offer to open a card with a $1200 credit line. I reluctantly accepted which I shouldn’t have. Only a few months after having the card they reduced my credit limit from 1200 to 600. The fees are ridiculous and they don’t do cash advances. Out of the $1200 credit limit I had I could only get $150 in cash.

On top of that they locked my card for using it at a vending machine and left me stranded when I needed to get gas to get home from work. Took days to unlock my card after I specifically told them through the message it wasn’t fraud.

This is not the type of credit card that responsible credit users have. I will be canceling my card as soon as the balance is down. I’ve never gone through this with my Capitol One card or my Credit One card.

They have updated their website. I can’t login to pay my bill. I don’t make phone payments being in contact with customer service with no help., so they aren’t gonna get paid also turning them into the Better Business Bureau.. These people are crooks and should be put out of business.

This is the WORST company in history to deal with. Their customer support team acts with wanton disregard for customers, and there is zero internal recourse. The overseas support department tells you no supervisors are available and will only transfer you around the system until disconnected. It literally took reporting this company to the state attorney general and a letter from the consumer protection agency to finally get them to reverse an annual fee being charged on an account that was closed weeks prior to fee being implementing. Then being told it will take up to two billing cycles to see the reversal and that I’m responsible to keep paying interest on that until the credit appears on account. Luckily CP contacted on my behalf quickly and miraculously the charge disappeared same day they received contact from consumer protection agency.
SAVE yourself the days/hours on phone with support or lack there of, and avoid these rip off artists. Prosper bank, prosper funding etc, are all tentacles of the same greedy invertebrate, stay away and find a more reputable bank/lender to handle your needs. I have screenshots of all interactions and can verify / back up all. If this review saves one person the stress and aggravation, it’s worth it’s weight in good. Have a great day folks.

I applied for this card as a subsidy to my bank account for groceries or gas. The customer service is horrible. I had a name change in April and I have had to jump through all these hoops to update my personal information. Now I am locked out of my account. I was told by their generic email server that I have to mail in documentation of my name change. I did. I mailed a cover letter with my updated information as well as a copy of my new drivers license and a copy of my new social security card. They never sent me a new card. And then had the nerve to tell me I had to call to update my email address. I did that today and the person John I spoke to was completely incompetent and useless. So was his "manager". They locked my old card after I told them I needed to go grocery shopping this weekend. I can't wait 7-10 business days for a new card. The idiot John told me to go to another store that takes Apple Pay. Why should I be inconvenienced for their mess ups? ProsperCard is horrible too. I can't wait to pay off this card and be done with them.

My credit line was reduced because I couldn’t access the account to make a payment prior to the due date , I reached out to the card company and after being on hold forever I finally got a representative who took my payment over the phone prior to the due date only to out that the payment was never processed , and I repeatedly had to call back in until it was confirmed that they had actually received my payment. ! And each time afterwards I have been charged a late fee although I have never been late ! I will pay this card off in full within the next few days and never ever return to or recommend them to anyone ever !
Now I can’t even access the card because it says that I have an outdated version of ProsperCard , however there isn’t any way to update ProsperCard , so I will have to call in again for assistance to completely pay this account off and make certain that it is totally closed !

I can no longer see my app clearly as every thing is now jumbled. And my bank account is no longer linked. They want Me to re add my bank information. Sounds suspiciously like a scam to me.

I never had more trouble than this company they literally are ridiculously make excuses for things they mess up saying my bank rejected and payment reversed to charge me fees, took 3 years before they send physical card, they send messages saying thanks for the change to receive statements paper and electronically never made that change I had it always to be paperless electronic only because they charge fee for paper statements. Not happening. Definitely working paying them off and shutting down anything to do with them. The nightmare stories on BBB on them to do loans etc they low high risk scam finding ways to get more money or lying to get fees Don’t believe they even in USA. Never get anyone speaks clear understandable English Triggers my stress related illness dealing with them. Dread trying to get on them I didn’t make no changes on how I receive statements delivered. And they won’t get away with charging for paper statements I never authorized to be done.

This is one of the most infuriating credit cards I have ever had. I have to literally open ProsperCard before making a purchase to ensure my location is available so the charge won’t get declined. Ordering online is next to impossible. And now they released an update yesterday and ProsperCard won’t open at all. It keeps stating I need to update ProsperCard because the version I have is unsupported. I did update ProsperCard , tried force closing it, restarting my phone, but still no luck. Super annoying.

Good app for checking balances, tracking activity on account, and nice security feature that will verify my phone's location in relation to a charge being made. Only issue so far is that ProsperCard will force me to manually login every time I try to use it. After logging in, it will offer to "enable Face ID", which I choose each time. Checking the settings, it will show that Face ID is enabled for future use. Leave ProsperCard to use other apps, come back to the Prosper app, it will yet again require manually logging in with user name and password without allowing use of Face ID.

Prosper really needs to put a little money into app development. People cannot access ProsperCard . When I actually can access ProsperCard , I sometimes can’t access my balances! So what do I do? I go to my browser to log in manually and the browser sends me over to the broken app!
Thankfully I’m on auto pay so I won’t miss a payment but I was trying to pay down a bit extra today and can’t navigate ProsperCard . Frustrating, and not the first time its happened this year either. Please get your app squared away so that people can interface with their credit card. We have entrusted our financial health to you and most of us want to do right and build credit, don’t mess us over with a bad app that causes people to miss payments and drop their credit score.

Every time I go to sign in I have to reset password. I like to keep all my passwords the same except banking info of course

I didn’t have any of the problems the other reviewers mentioned with activating the virtual card. Once my card was approved, it let me set up the account and add the card to Apple Wallet via ProsperCard . The security codes should be sent via SMS, but I understand there’s a cost overhead that email doesn’t have. Both ProsperCard and website’s UX flow is a bit clunky overall I have to say, and I have a feeling it’s that the developers are using some type of cross-platform mobile app solution. The menu transitions are abrupt, mobile Safari autocompletion doesn’t work to log into ProsperCard once the credentials are saved in the browser, the Safari suggested secure passwords don’t meet the specifics of the security requirements for the back end, and basically, once you pass the Plaid verification step, the whole general flow goes downhill big time. I’m cool if you want to use Xamarin or React Native or whatever similar solution, but try to make better UI/UX decisions that follow the native experience users are accustomed to on iOS so it doesn’t feel so much like a port. I’m a fintech geek and a developer myself, and I know it’s easier said than done. I wish Prosper all the best, I thank the developers for the effort they’ve put in to date, and I’ll enjoy checking out the offering as it evolves and making use of the card. Appreciate the help rebuilding my credit after an auto accident wiped me out financially a few years back!

ProsperCard works great, but loses one star for lack of clear instructions. Most of the reviews here deal with the credit card, which is irrelevant in regards to how ProsperCard functions. I will, however, address a few of the complaints I read here. Yes, your available credit will be reduced if your credit score takes a big hit. Most card companies monitor your score and will lower your limit if it drops a lot. And do not set your device as the primary device when setting up ProsperCard! It can cause transaction approval issues. Finally, make sure all ProsperCard security features are OFF if you are getting declined. ProsperCard is just a bit too complicated to not have better instructions. You have to use your brain.

Unlike most other cards, it is very confusing at first. You have to check specific transactions and approve what stores, vendors who sell nicotine or alcohol. I had the same thing happen at a restaurant. Later found out it was because I needed to check the box saying it is ok to use at a merchant who serves over 21 alc. I will say after you set it up. It has worked. I also would strongly recommend not using the offered e-card for purchases prior to receiving the real card, even if it is for a “great discount”. It adds confusion. Almost impossible to call and resolve. Also, with so many merchants being hacked and people being DISHONEST honest, make sure you do not have, unless wanted the box checked for installments or repeated. Or a company who is not honest could bill you as many times as they would like. It is extremely difficult to explain on the phone. Honestly, other then ProsperCard issues I am having right now, it has been ok. The set up and issues I had at the beginning were a rough start. I had one merchant attempt to charge over 10 times for a 1 time charge. Thank goodness I had already learned how to prevent this and had my settings to protect myself vs having to call. Overall, it has been good. If you just have the patience to make it through the rough start. Be sure to really read and find the page where you select your specific choices. Hope this offers encouragement. Thank You

Guys my eyes are light sensitive, plzzzz go back to black screen or make a dark mode

The card has been great. But recently ProsperCard started showing an incorrect balance and not reflecting my payments. But when I call it’s accurate to what it should be.