Do not use for international travel! They advertise most cash back on international travel but it’s a lie! Was called to say travel to Italy , turned on international purchases on the app. Cannot use it !! False advertising! Do not get this card!!!
They pre-approved me on their website, then declined me after I filled out the application for the reason of "too many inquiries" - which they could have seen from the soft-pull for the pre-approval (there were 8). Then, as a parting ϜU, they added another one to my credit report.
Don't waste your time applying for a deserve credit card all they going to do is pull your credit and decline you it's ridiculous what they do this is what they did to me I had applied on 11/14 my credit report has a security freeze on 1115 I unfroze it to let them pull my credit because the reason why I'm froze it cuz they said if you can have limited credit plus this card is for students that are attending the University or college I am attending a university they also stated that it would help build your credit this is the notice I received from my email about my card application Your credit score: 661 Date: November 15, 2021 Scores range from a low of 300 to a high of 850. Key factors that adversely affected your credit score:
● Serious delinquency and public record or collection filed ● Number of accounts delinquent ● Length of time accounts have been established ● Proportion of current loan balance to original loan amount
I need them to removed inquiry soak my score can go back to where it was
The Deserve card is a (very) basic but okay credit card to hold on to but I tend to prefer paying with other cards that have higher rewards. Tend to use it as a backup payment method if Visa or AMEX aren’t accepted. In my case I was approved without a hard pull, but the initial credit limit was not competitive compared to my other cards.
I helped my daughter try to get this card as her first credit card, starting college. The application process was a nightmare. We followed all the instructions, and then they demanded a copy of her student ID card. She only had a digital copy, as she hadn't started school yet. Went back and forth with them for weeks, playing phone tag, unable to reach anyone who would answer the phone. Hours wasted, I finally sent an email of my frustrations. A supervisor called and said the digital copy would be fine. So she submitted it again and a week later her whole application was denied because of the lack of student ID (which she had sent successfully numerous times). Total waste of time, we will be going elsewhere and never doing business with Deserve again.
Do not trust them. They didn't credit me with the advertised promotion and ignored my request for fixing it... It's always a red light when customer service fails to help even right at the first moment.
I have had the card for almost 3 years, and it is not showing on any of the credit bureaus. It is a scam, it does not help you building any credit. Customer service is extremely rude and unhelpful, stay away from this shady company
This is a shady company. They request that you provide your online bank log in AND password in order process your application. I can understand needing to verify but asking for a password to your bank account seems a bit extreme.
BAD, NO GOOD, Picky, ask too many questions about your school. Then they denie you. Not worth it, waste of time and lowers your SCORE. This is not even a LAST resort find something better. DO NOT APPLY you will be sorry.
I really like this card. They were cautious in approving me. It took almost a month for them to approve me and my score was 784! Then they only gave me a $500 limit. My credit “age” isn’t very old so maybe that was a factor. They have since raised my limit twice in less than a year so I am up to $1500 now. I think this is a good company to do business with if you are trying to build your credit. The Pro card also gives me 1-3% back and the categories do not change which makes it one of the best cards in my wallet.
The Deserve® EDU Mastercard for Students interest rate is 20.99% Variable. This Deserve EDU card interest rate is variable, meaning it can change based on certain economic conditions.
Deserve EDU gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your Deserve EDU card, it will accumulate interest daily at the card's regular APR. Interest is compounded, meaning you will owe interest on both the principal balance and any interest already accumulated.
All Deserve EDU card interest rates will be listed on your statement and on your online account summary.
Yes, the Deserve Classic Mastercard is a regular credit card. It's designed for building credit, but that doesn't change anything about how it works, looks or is reported to the credit bureaus.
You will need a credit score of 640 or higher or limited credit history to get the Deserve Classic Mastercard. It was designed for building credit history and it's a great asset for that.
