Atlas - Rewards Credit Card Reviews

I'm really just learning all there is to the card but there are a lot of great resources linked to the card, way more than what I initially thought would be available. I think this card would be great for anyone who's trying to rebuild their financials or like for someone young, just starting their financial/credit history. I haven't had an opportunity to contact customer service so I can't tell you how good or bad that part is however, the fact that I haven't had to contact them so far tells me that if I did, I would undoubtedly get the same thorough information that I'm able to pull online.
I'm still learning about the many many features but I'm definitely glad I signed up for this and I'm hoping that with this card and some changes that I'm making I can unlock even more of the benefits of it.

I can’t rate Atlas because I can’t get in to it! It stays stuck on “verifying info” no matter how many times I uninstall and reinstall it, the moment I open Atlas again it jumps to that page without me even signing in. And I thought uninstalling is supposed to delete all connected info. I have sent multiple emails, texts, voicemails as since the only thing that happens when you call their number is the option to leave them a message. They say they are available 24/7 but they aren’t ever available. I have been trying to get ahold of them for close to two weeks. Why? Because I received my credit card in the mail and ZERO way to activate it or use it. SOMEONE PLEASE CONTACT ME!!! I have an opened credit card in my name with no idea the limit or terms or anything! Beyond infuriating to say the least. And before anyone asks. Yes I have updated my phone to the latest and checked for app updates. No option to log in online either so I guess I have to report it or something? Cause this will have some impact on my credit if it’s just sitting there. Please, can someone help me? Thank you.

I am giving one star only because I’m required to give at least one to leave a rating. I recently had my account hacked and watched as someone repeatedly tried to create virtual cards to use for unauthorized transactions. Thankfully I stopped this due to the alerts I had set up - with no help from customer service. They tried transferring $100 from my bank account and requested a physical card before someone finally responded to my pleas for help. Then my account got paused and when I inquired what was being done to fix the issue - was told they would not be reactivating my account because they could not verify my identity. No customer service. Willing to lose my business rather than admit the fraud that was committed on my account that I, myself, had to stop since they have no easy access to customer service. Took days to get a response. Still don’t know if they ever stopped the physical card but I did alert my bank and was able to stop the $100 transfer. Extremely disappointed as I was using this on a regular basis to rebuild credit and feel I’m being punished for someone accessing my information. DO NOT RECOMMEND!

So this is my second time sending a review. And not because of anything negative, but because I must’ve done something wrong, to where it does not show up under reviews. And I want this app to get credit where credit is earned!! Just like a lot of other apps that promise to give you something for payment of a subscription or they try and give you some type of guarantee that you’ll come out gaining only with their app, THIS ONE IS LEGIT! I am a firm believer in rebuilding Credit, cleaning my name, and having the end result of that be very rewarding. I received not one, but two and my credit rating hasn’t even changed because my account is still new and growing. But everything Atlas promises, you can rest of sure you will receive. You get what you pay for, and this is so worth the money and the time!! DO NOT DOWNLOAD ANYTHING ELSE

Life hasn’t been too kind to me over the years, meaning that my credit score is honestly the lowest I’ve ever seen a score. As I’m gearing up to try and move out of the parents house, I felt so incapable due to the fact that I wouldn’t be able to get a place of my own even if money wasn’t an issue due to my abhorrent credit. this app Credit though, they really have saved me by allowing me to build credit through them (on top of all the other phenomenal benefits that come with this app Credit!). While I’m still quite a ways from getting to that point where I can truly be independent, this app has made life soo much easier as I know I’m building my credit by just doing everyday tasks like buying groceries or putting gas! I’m so very grateful to them for this opportunity. 5/5 in my book hands down!!

Life hasn't been too kind to me over the years, meaning that my credit score is honestly the lowest I've ever seen a score. As I'm gearing up to try and move out of the parents house, I felt so incapable due to the fact that I wouldn't be able to get a place of my own even if money wasn't an issue due to my abhorrent credit. this app Credit though, they really have saved me by allowing me to build credit through them (on top of all the other phenomenal benefits that come with this app Credit!). While I'm still quite a ways from getting to that point where I can truly be independent, this app has made life soo much easier as I know I'm building my credit by just doing everyday tasks like buying groceries or putting gas! I'm so very grateful to them for this opportunity. 5/5 in my book hands down!!

I was just scrolling through my App Store and I came across this app and I’m so glad that I did! There are a few other Credit Builder apps that work like this one and I have tried working with one and it was a living nightmare because they were extremely unorganized and they have been around for years but this app has been wonderful! They are very consistent which is a pet peeve of mine, they are very helpful and kind no matter what questions or concerns you have you can expect your needs to be met and handled very prompt and professionally! If you are looking to build your credit and enjoy yourself while doing so then you should really consider choosing this app and I promise you will not be disappointed! this app THANK YOU SO MUCH FOR HELPING ME! You are WONDERFUL!

Honestly I was in a deep hole with my credit score a few months ago. I was looking high and low for a something that would help me rebuild my credit score back up and I ended up finding this app. They start you off with a decent amount like $25 and then as you make you monthly on time payments they add more. It actually sends you credit reports to the bureaus. I’ve seen my credit score move up over the last twi months of me having them as a rebuilder( opened my account in December and seen a difference pretty quickly.💯). I’d recommend Atlas to those who’s really trying to fix there credit score with out the extra issues. Atlas is for you!!

Atlas won’t let you close your account until you pay off the balance even though it’s all your money! They won’t let me close my account till I pay back money that I deposited into the account ! They are trying to take my money that is not theirs just so I can close my account. Also they charge your bank with no permission anytime they want and it doesn’t go through instantly. Atlas is not it. Please trust me don’t use it you won’t be able to cancel your account unless you pay money that was yours to begin with ! They never gave me a single $$ yet u have to pay them my balance that I deposited just to close my account. Not fair not right at all. I have to open a whole new bank account just bc I can not unhook my bank account to this card! It’s a whole scam the support teams is slow to respond and they don’t care ! Stay away. Trust. Love. These guys don’t care. Slow to respond and asking for $$$ that was never theirs just to close my account.

I usually don’t write app reviews, but Atlas is different. They approved me when my credit wasn’t the best and made the process simple and easy. The card gives you rewards and accessible ways to boost your credit limit. This card is great for people with zero to bad credit, as well as people who wish to use different cards for different things, as I use this card for minor bills such as my cellphone service, streaming services, eating out, etc. One of the co-founders and CEO, Zane, reaches out to you to get feedback on how to improve the user experience, which I think more company leaders should do. All in all, a great app for those who need it.

I absolutely LOVE Atlas . I first came in contact with the source from incorrect grammar and psychology mix ups. Ended up applying for a membership and a 1k card only to find out it’s points I earn. Even then point turn into cash and Atlas has almost 6 plus credit building , money financing , tool saving , resource finding sources in Atlas and I love every last bit of them! Atlas has been such a huge help within the first 10 -20 minutes of usuing it and getting everything connected ! I would LOVE to continue this journey and see how much progress Atlas brings along. Such a great pathway created ! I love this! this app ✨‼️

-@Jada_Lael

I’ve had such a hard time getting a credit card, just trying to rebuild my credit. This card was approved in literally seconds. It is great and Atlas is so easy to use to keep track of everything. Love that it helps me to track my spending too!! It has a tiered reward program that helps you earn money back on almost anything and everything. Even websites and companies I’ve used Id never expected to see on those types of rewards programs. I definitely recommend this card to everyone I know and even those I dont. If you’re hesitant please don’t be. It’s definitely worth it.

Amazing that your own income you already receive from a job or benefits is easily translated into a line of credit that can be used via a secured credit card anywhere MasterCard is accepted. AutoPay options prevent missed payments so payment history remains in good standing, which is a major part of your credit score. Also helps with credit utilization and credit mix. Process was effortless and cost is less than 10 bucks per month. Highly suggested if trying to build credit and you have a steady income...

They take out whatever money you spend the next day , so if you need time to pay it or until payday it won’t be much help. They say they report to the credit bureau’s but I’ve had them for almost a year and my in time payments with them never show up. Whatever money you put into the account is what they’ll allow you to spend and only twice have I gotten a $5 increase to my credit limit which isn’t anything at all for being a customer for almost a year. Once they take this last payment I’ll be leaving as a customer. Save yourself some time and go with a nice secure credit card with a well known company. Do your research and build credit with them. When I had Self credit it was much better I mite go back to them.

At the moment that I went trough this app description of services I knew it was what I was looking for . CREDIT BUILDER. easy signup , after the first 2 months my credit went up significantly. I would suggest for anyone that is working on your credit to have this app as your partner to rebuild your credit . Easy access , Atlas navigate you trough the process , spending habits that need to be improved, credit score analysis , financial tips to help you grow your credit , everything that you need on Atlas . Thanks this app for provide a outstanding customer service and management.

If you haven’t already then you need to hurry up and get Atlas. this app is heaven sent. I love this card it has given me more financial freedom than any other card. Lots of cards make promises only to see no changes but with this app you will see what this credit card that actually builds your credit can do for you. Although I’ve only had it a few months this card is one of the best out there. They offer cash back on thing you buy everyday and the rewards point scale is amazing. I’m grateful to have stumbled across a rare jewel.

this app so far has been great. I did have a problem recently with a payment but it worked out. The only downside I don’t care for regarding this app is the customer support, I want to actually speak to someone when I am having a problem, like I did above regarding my payment. I did chat with someone that took a few days to respond. But they DID respond and kept me updated.

It’s just when it comes to things like money and payments, you want to speak to someone and get it right or clarified right then. Another thing that is a downside is to get the really good deals on cash back and points you have to have tiers, which is understandable but why must I put in $200? Why can’t the amount be less than that?
If they get actual phone support and lessen the amount to put in for tiers it would be an amazing app!

But overall I enjoy this app, the points and cash back. GREAT JOB

Was excited to open this account, me and my partner were using it for basic expenses for a couple months. It was added to my credit report and everything was going fine, we were getting an increase in our limit every month and making our payments accordingly. Then out of the blue I get an email that they are closing my account due to not being able to verify my identity and I have reached out to their support multiple times over the past couple weeks. I get computer generated responses that say the same thing. Can’t reach anyone to fix this issue as we would like to keep the credit line and if my account is closed will be detrimental to my credit for opening and closing so quickly. Beware of this virtual credit card!

Don’t listen to the 5 star reviews they offered $5 for a good review in Atlas Store so those are liars or their staff. It’s a definite scam. And my lawyer says if they don’t close the account after I told them to and try to charge me or report it negatively to my account that I have grounds to sue. So I’m just waiting for them to try that angle so I can sue them for refusing to close the account. Customer Service is terrible. Takes a week for them to get back to you. Then when you respond it takes another week for them to reply. There’s no contact number and since I decided I wanted to they decided they wanted me to pay a balance off that I deposited. Nowhere in the history of a secured credit card do you have to pay off a balance that belongs to you.

I was skeptical about this at first. However I have to say it truly is an amazing service and is dedicated to helping everyone out! I may have started with a low spending balance but I can build it up every month on top of adding a deposit to it as well to increase my spending balance! Already made an impact on my credit score as well!! After 1 month! Can’t wait to see what the next 2 months hold and will give an update but so far I’m absolutely in love!! Thank you this app!

I’ve been using this app for a month now, and I appreciate the ease of Atlas (a lot). Now that I’m older and a bit wiser, I’ve only been using the card for train tickets when I have to go into the office. I appreciate the ability to increase your credit through deposits and the like, but mostly I appreciate the automated payment back to the card. Highly recommend this card to rebuild your credit if you ruined it in your 20s like I did. Within a month my score went up 40 pts. Definitely sign up!

If you have bad credit and want to boost your score, or just want to boost your credit score try Atlas! Doesn’t matter what your score is they help you by reporting to the credit bureaus and they base your spend amt on your banking history. It’s got auto pay so it automatically pays your balance off (if you want it, you can disable) each week and reports that you have low credit usage which is great at boosting your score. You’ve got nothing to lose, I can’t recommend it enough

Yes this app, this app, this app, this card is really lives on to its name, this app for real, I was having trouble finding a credit card company to help me get a credit card so I can rent a vehicle for my little business, even though I had a chime credit card, the rental company rejected the chime credit card, I had to find me a card quick, I tried to get a secured credit card with capital one, I had no success, even though I was ready to put down the $200 they asked me for, and then one day scrolling through my Facebook page, I saw this advertisement on my Facebook page, I said let me give them a try, i was kind of worried at first, I didn’t want it to be a scam, to give them my credentials then end up being a victim of identity theft, I went ahead and filed the application, and then boom there it is, this app is making it do what it do guys, not only I finally went and got my rental vehicle so I can run my little business, this app is helping me to build my credit guys, hopefully in the near future I can purchase my own vehicle for my business, I use this card for everything, I don’t use cash anymore, unless if the place doesn’t take cards, thank you this app, thank you, best card ever 🙏🏾❤️❤️❤️❤️❤️

They take your money, which in my case was funded straight from payroll. They freeze your account for no reason and take all the money you have used to fund it and keep it. In order to release it you have to pay them back for money they never loaned you . Yes, read that. They want you to give them back what they never gave. If you deposited 200 dollars. They want you to give them 200 to release it. So your out of the 200 dollars and they are out of nothing because they have frozen and stole your funds . Pay for your own money to get retuned Even with proof. Believe all of the reviews that say tell you this same exact story . The good ones are paid reviews and that is obvious. They froze mine immediately when I decided to disconnect my payroll. They already had money of mine and I wasn’t allowing them to steal anymore . So they just stole and kept what they already had. This is worth an investigation . It’s got to start somewhere. Out in California living the life off of stealing from innocent people. Shame. You’ve been warned. This is a complete scam!

I love this app!!! At first I was a little skeptical about it because I didn’t take the time out to learn how Atlas worked. I started out with $8 credit which then went up to $10. I didn’t think anything of it. I started using the small amount for Uber trips and that’s when I noticed I kept getting increases on my credit limit and my credit score had gone up 30 points. My current credit limit is $25 and that’s only from using the starting credit this app gave me. The more you use Atlas you get points which in turn turns into credit limit. I have yet to make a deposit of my own money but after these results from my points alone, next paycheck is going to the this app app deposit!!!!

Be careful when funding this account I funded it $200 thinking OK cool I will just use it for my gas well right after I funded it and asked for me to upload a picture of my ID I had recently lost my ID so I would have to order a new one which will take 7 to 10 business days and I understand the reasons why I need to verify ID but you should be allowed to refund the money that you just put on there back to your account. They do not do that and I did not have the gas to get to work and I lost a very good job, it seems like everyone I talk to just you copy and paste messages and that’s it. It could be a great app could be a great card. It could jump your credit score a lot I don’t know all I know is that they caused me to lose my job or I guess you could say I caused myself to lose it because I should always have my ID, but it was the fact that they wouldn’t refund my money until my ID came in but it’s OK. Life happens I guess.

Beautiful user interface and easy to navigate and understand. this app is a great tool to properly budget and to reign in bad spending habits. It is a great way to build credit while earning points, prizes and peace of mind knowing you won’t over leverage yourself. The cash back % on everyday services and subscriptions are excellent. If you have any questions about Atlas or your account, it is super easy getting in touch directly with customer support. They answer promptly and have a very knowledgeable and professional staff. I love this product!

As someone with some debt and poor credit rating, I was really hoping to find a reliable solution to get back where I want to be financially. When I came across this app, I will admit I was skeptical at first because there are a lot of apps and vendors out there that make some serious claims, fortunately I have found that all the claims this app made were true. The secure card allows me to spend responsibly while rebuilding my credit and also get cash back through various vendors. Also if you connect your direct deposit they will bump your credit line even more. Would definitely recommend this to anyone looking to better themselves financially.

this app is the perfect app for someone with less than perfect credit who wants to improve their credit score. Atlas is clean and loaded with tools to assist one in improving their credit score. Yes there is an $8.99 charge when you first get started but just in the first week of using Atlas , one will reap so much more value than $9. Literally Atlas will improve your credit score with just the bare minimum of effort by the user; however, if you add some deposits, direct deposits, pay some subscriptions you already pay for, etc. your credit score WILL dramatically improve at a faster than expected rate! this app app is one of those apps that after you start to use it you will definitely wish that you would’ve found out about it and/or began using it sooner.

I thought this would be a great service to get my credit back on track. However, the entire sign-up and support from this app has been terrible. I get to the point in account creation where I have to verify my email. The email verification comes through, when I click on it I’m redirected to page informing me the link as expired. I thought I can sign in my email and password to trigger the email verification but when I do I get this message, “Error: The user account has been disabled by an administrator.” I emailed support and I was told troubleshooting was done on their side and I was instructed to try to sign in again. When I tried the error message still was there! Eventually, I asked if it’s better to do account set up with a different email address. The representative suggested that I try. I tried a different email and got to the point where I enter my financial information. Once I entered my financial information, the continue button doesn’t move the page forward. I went through the application on my iPhone on Safari browser and on my Windows computer on Firefox browser the same issues continue.

I would not recommend this card due to this app being unable to resolve this issue.

I really love the this app credit card. Regardless of what the haters say. If you’re trying to build credit, or have bad credit and trying to rebuild credit with payment history and low credit utilization, this card is it. It reports a $1000 limit to the credit bureaus regardless of what your actual balance is. So if you only have $200 deposit on the card, it is impossible to exceed 20% of your credit utilization. Pay off the card by the end of every month, and it will report a $0 balance with a $1000 limit. Ideal. This card actually gives you points back and perks. By far, hands down the best credit rebuilding card I’ve ever seen. The people complaining about the membership fee didn’t read their agreements before blindly signing up for what they apparently expected to be the equivalent of a cap one venture card.

I was looking for something to help my score instead of hurting it. I was getting denied left and right and all I wanted was to get my credit back on track. I found this app and got approved right away. Yea it was just a 10$ credit but over time I connected my paycheck and was making deposits to my account so eventually I got a bigger credit. I’m trying to get to the 1000$ in the first 6 months intro offer but am struggling to get my card to go on so I can instantly transfer money over to my card and use it. That’s probably the only complaint I have is that deposits take almost a full week to post and then it has the option to add a debit card for instant transfers but it doesn’t seem to work at all. Just a screen where u enter card info but can’t do anything with it?

The this app credit card is a great option for people who are looking to build their credit score. It is specifically designed for people with poor credit, so it is easy to get approved. The card comes with a generous credit limit that can help you manage your finances better. The team at this app is also very responsive and helpful, so you can be sure that you will get the support you need. While there are some negative reviews online, it is important to note that every credit card has its pros and cons. The this app credit card is no exception. However, if you are looking for a credit card that can help you build your credit score and manage your finances better, then the this app credit card is definitely worth considering.

I allowed my deposit from my pay check go into my this app account for the first and last time. I can’t access my money because my account is locked the reason is unclear. I’m not able to speak to anyone other than boys in chat or email or text. However, it’s all redundant because it’s day on the chat for quick response email. But on the email it’s say for quicker go to Atlas and message or you have the option of texting. I’m sorry but as soon as this is fixed I am pulling my money and closing the account with this app their is too many different cards that are better. I was using chime and I loved it especially the credit building card and highly recommend Chime. I’m sorry but nothing takes two days to fix on your account that my money will be locked up with no communication whatsoever from a human and no solutions I hope I get my money back don’t try this app it’s horrible feeling to have your money locked up!

The features that this app provides for its customers are unbelievable for the price that it cost for those rebuilding credit card. There are many other companies out there, but they charge way more and at the low price of $8.99 to get started it helped out my credit score with a 25 points almost right off the jump to see instant results like that that’s what everybody wants and what everybody’s looking for So using this app on every day expenses only has helped my credit score to jump up even further. Thank you for assisting my credit score to where it’s at. Hope to get to my goal one day and I don’t think it would’ve been possible without this app.

I’ve had this card since July and my score has went from a low 498 to a whopping 676 within just 5 months. I’ve never been into credit, established any or knew anything about it at all other than I needed it to obtain certain things I wanted. So, I seen this ad on social media for this card (after being turned down for the ones I tired to apply for) and took and chance and it’s really paying off. My score is the highest it’s ever been and I’m truly proud of myself for just taking a chance. I now have an actual credit card with with a major brand and I’m truly on the road to a better and more rewarding credit future. Thanks this app! 💯

Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn’t work. I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20. Maybe initially but afterwards you should be able to add any amount you want to your account. I’m a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there’s no option for ‘whole paycheck’ just set dollar amounts. The whole point is to get the instant higher spend power so I’m not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one … I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it. 🤔

The this app Financial app is a solid performer, offering a seamless experience in managing finances. Coupled with their card, which has proven to be reliable and widely accepted, it's a great financial tool. Atlas 's design and functionality are commendable, making financial transactions effortless and intuitive.

However, the area that severely needs improvement is customer support. Currently, there's no option for phone support or live chat for urgent issues like potential fraud on the account, which is a critical shortfall. The only phone option leads to a voicemail, which is far from reassuring in urgent situations. Additionally, the support provided through the existing channels feels scripted and impersonal, which is a significant turn-off. It's vital for a financial service to offer prompt, genuine, and effective support, especially for urgent and sensitive matters.

In conclusion, while this app Financial offers a great app and card, their lack of effective communication channels and poor customer support quality significantly hinders the overall experience. There's a pressing need for them to address these issues

So far I’ve had a great experience with this app. Everything is easy to navigate and the setup process is FAST! The layout is so simply designed that you really can’t mess up or get confused about onboarding. I had tried this app last year when it was first rolling out and for whatever reason the system glitched and it wasn’t working in my favor; however, the owner of Atlas (I believe) was in constant communication with me and did all the things and more to assist me in overcoming the glitch. When it seemed like we may not get past it he took other measures above and beyond to assist me. So customer service is outstanding too!! The more you deposit the more credit line you get and your credit line is not the same as the amount you deposit. So there are many great things to come from Atlas!! Crystal

Absolute garbage I had the account before and I wanted a new one just for security and I didn’t have my ID so they couldn’t verify my second my new account although it was already the same exact one as the last one therefore, my money was stuck on this stinking account while my son and I were stranded 2 1/2 hours away from home and I could not access my money to pay for my motel food or the car part I needed yet they kept beating me around the bush, saying to be patient. how do you be patient when you have to pay to stay somewhere when you need money ASAP here it is a week later and I still have not accessed my money. They came from my school from my hard work, because they didn’t like the way my ID looked. I hate Atlas and I highly highly recommend it. Customer service is the worst worst unless you like to write emails back-and-forth highly disappointed let me down made me starve almost went homeless all because my ID didn’t look as good as they wanted to although every other little thing to T was good

Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn't work.
I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20.
Maybe initially but afterwards you should be able to add any amount you want to your account. I'm a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there's no option for 'whole paycheck' just set dollar amounts. The whole point is to get the instant higher spend power so l'm not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one ... I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it.

I’m 43 and when I was younger I didn’t realize how important it was Aquire and keep up your credit score. I also didn’t know how having a low credit score could hinder n paralysis your ability to have anything such as renting a apt, applying from a loan to buy a house, or even a car. I most definitely placed myself in a very tough position. Now that I’m oldest and a lot more knowledgeable about how beneficial it is to keep good credit. I’ve been doing my best to slow start repairing n building my credit n man it’s been a long road that I’ve been traveling I’ve tried all type of ways to build up my credit. Non of those help me the way this app has though, they’ve even got it set up to where there is no way you can’t win and it help increase my credit score more then any thing else I’ve done and in a way quick time frame. If you need help boosting your credit score this is definitely Atlas for you. Don’t take my word for it try it yourself.

I am going to file a huge lawsuit against your company. You make all of these claims of approval rate being high, of course it is! $10 limit, $9 monthly fee, makes it really a $1 limit. That has got to be the most disrespectful offer ever, might as well deny me, but obviously its more profitable to approve. If you all leave a negative mark that my account is closed, when I barely had it for 25 minutes, I found out about the $1 limit only after giving them every single piece of personal info and going through a full sign up process!

They dont tell you the range of credit limit possibilities!! So most people would assume it is at least $100, which would be the least amount that is reasonable based on the fee. And their software shows I have been receiving direct deposits for only 1.5/ 6 of the last months. Impossible, and the reported income/spend is almost 3 times my income for that month that is recorded. Overall, you all have opened a grand door to maybe one of the biggest law suits ever.

I was truly skeptical and to be honest, still slightly am. I am a fairly new customer but so far it’s been so great! They immediately started reporting to my credit, I can start with a low amount and build up a lot faster than waiting on semi-annual reviews. It’s already helping me build my score back up after getting myself really behind after medical issues. Their customer support is great about trying to help you understand especially since this card is very different than most standard cards. I only had one complaint and that was not getting a physical card automatically and having to order one. That wasn’t made clear in the beginning but besides that, it’s been wonderful and they were able to get me one ordered without really any hassle.

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This is not a credit card, it is a paid subscription to pay for things with another account but here’s the shocker, the spend amount starts at just $10. Self was much much better and I wish this app had modeled after them. Why am I paying this company $8.99 just to be able to use $10 every month and MAYBE get an increase. What am I even supposed to buy for $10 in this economy?? It was such a waste of money and a useless hit to my credit score. This model makes zero sense to me but I can’t cancel without it effecting my credit negatively. For those of you who read reviews beforehand, beware Atlas.

It’s a third party checking account you have to pay for. Your spend power is whatever you personally deposited and they’ll review to see if you use the card enough to get a boost, like cash app. We’d literally be better off using Borrow from Cash App or Self, things that ACTUALLY work like a short term loan or credit card by giving you a limit based on your credit. Why is this app on my credit if I can’t have more than $10?? Useless.

The idea of this app seemed great at first. Had some nice reviews, guaranteed credit long as you kept money going in, no fees other then the standard $8/month service charge. Well I can tell you some of this is true, but they don’t make it easy for their clients. During the first 3 weeks of signing up and using the service my account was “locked and on hold” (for 2-3 days everytime) while they validated information they had from day 1. All of my information was correct, including my direct deposit into my this app account. Still they would randomly lock my account and demand I verify my identity using an account from another bank. I’m in my mid 30’s and have had plenty of bank accounts and I’ve never had to jump through so many hoops and been so dissatisfied with a bank before. Also when they lock you out you can’t access any of your funds so be ready for that. After signing up for this app I went over 4 weeks without access to my funds, except for a virtual card I could use online but that doesn’t help me at grocery stores to feed my kids or the gas station to put gas in my vehicle. If your credit is shot and you have no other option then maybe worth a try, but if you can avoid them, I would.