App Reservecreditcard Reviews 

I wouldn't leave a star if you would have let me! Absolutely horrible company. This place is a scam running fraud accounts. Took 2 months to get my card, and been trying over a week to activate my card an already telling me I have a payment due! Dont do it people! This company lies.

100% scam. Called when they first “opened” 9am eastern time. No reps available and tried numerous times. Finally got a rep ant 1:15pm and he tried transferring me to credit cpr to “activate” the card. I asked to refund the fees I paid and cancel the card or I’d contact the cfb and the Maine attorney generals office. 5 minutes later I got my refund and email for the application cancellation.

I wish I could give this company 0 stars, 1 star is too much if you ask me. They are the absolute worst. Waited 2 months to receive card and you have to call to activate the card and no one is ever available in the activation department. I spent $95 for this crap. DO NOT APPLY FOR THIS CARD!

Glad I went on here and read the reviews was going to sign up but now nope, it’s definitely a scam just like those scam operations in India that you would see on YouTube and what really told it off was those ”fees” to get your application approved and activate your card $195 sounds like those scam emails that tell you your computer has a virus and call this number then you hear an Indian guy voice on the other end, I’m being for real even watch the YouTube videos where a hacker catches them live.💯

you might as well just get a secured card with a credit card company , you have to pay 100 bucks for the little activation and whatever else it was , they tell you the card should only take up to 14 business days I didn’t get mine for 3 months. Then you have to call to activate the card I’ve been calling for 3 days now , no answering keeps saying no representative available that they are busy to leave your information I’ve done that atleast 20 times each day no call back no anything the hours for them are 9am-9-pm seems I little ridiculous for me to not have received a call back yet.

Don’t even want to give them 1 star!!!! Biggest bunch of liars and scammers I have ever come across. Every situation listed in other reviews mirrors mine. Paid the $35.00 fee in early May then they took $60.00 more to activate. May 19 I get an email my card was shipped and would arrive May 26-29. June 1, no card. Sent emails, was told they didn’t know when it was mailed (lie) and it was out of their hands as the postal service was responsible. But don’t worry, it’s on its way! Day after day, I received nothing. More emails, more lies!! Finally, June 13 my card arrives. Have spent the last 3 days trying to get it activated!!!!! Can’t ever get through!! Biggest scam ever!!! DO NOT APPLY; RUN, DON’T WALK, AS FAR AWAY AS YOU CAN!!!!!!!! SCAMMERS!!!!!!!!!!!!!!!!!

Having reviewed this information I'm calling for a class action lawsuit against TAB Bank, the company allegedly partnering with Directcard Reserve.

I applied for the Reserve Credit Card(Direct card) in May 2026 and received an email, and they promised in the email I received that they would provide the card between May 26th and May 29th. I sent an email threatening to send a complaint to NCDOJ, and I just miraculously received my card today, and now I can't activate it. I called the number on the card, and the lines are busy, or no one can answer your calls. They want you to leave your name, email address, and phone number, and someone will call you back. Now I am reading the MANY complaints that there is no $300 credit limit on the card, and you have to sign up for credit repair and pay a $195.00 enrollment fee in order to access the "elusive" $300.00 credit limit. I am cancelling my card and requesting refunds for fees. I have formally filed a complaint with NCDOJ and USCFPB (US Consumer Financial Protection Bureau) about this company. This was advertised on Facebook and TikTok, and I will also file complaints with those companies. It is a SCAM!!!

I just got approved glad I read these reviews first I was about to order this credit card I just got approved for I guess I’m not I wish I would’ve read these reviews first reviews before they hit my credit up my score went down but I don’t want this headache

This company is horrible. They charged me $35 fee and an additional $60 fee once my application was approved. They promised there wouldn’t be any additional charges. I had to wait a minimum of 3 months to receive my card with no support help whatsoever.

Once I finally got the card and activated it, I was alerted to call them to activate it & it took me 3 hours to get someone on the line after calling a bunch of times.

After I finally got someone on the line, I was told they wouldn’t activate my card unless I signed up for a credit repair service which cost me additional $119 and then they hit me with an unexpected $75 annual fee.

Considering that I only got approved for a $300 credit limit, how are they actually helping me?

This place is a total scam. Do not sign up for this card. It’s set up to take you money.

I would give less than 1 star if possible. Card is junk. I was approved and asked to pay $35 fee, which I did. After paying that fee I was asked to immediately pay another $60 fee from a separate account. So I am now $95 in and just received the card after waiting weeks. Went through the activation process and asked to call and speak with someone over the phone to activate. I have called over 130 times and unable to get someone on the phone to activate. I pressed another number and was able to talk to a person. He said that he didn't do activations and gave me another number to call. I've called this number 28 times and no way to get a person on the phone.
This card is junk and will never help anyone repair credit if they are just stealing money from people and not providing the service.
I am making a report with the BBB and requesting a full refund of $95!!
If you are struggling with credit or finances this card will only make it worse. Better to save your money and pay for a secured card with a good company like credit one, discover, or any others available.

Stay away these people are scammers I finally got my card today after a month just for them to tell me to call a number that doesn’t even work !! I called my bank to dispute the charges

Do Not Apply!!!?
Took over a month to receive the card and then could not activate the card. Reported company and scam.

I really don't care about getting my money back or getting a card cuz it's probably not going to happen but I want to know is there a way to get them in a class action suit? Any kind of way to get them unless it's just accompanying another country

Do not apply for this card. Ok I understand if your credit is not perfect and fees have to be paid upfront. But when I finally got my card which was 2 months later and tried to activate it I had to pay a $195 credit monitoring program fee in order to activate it. It is a total scam. Do not apply for this card.

This company is straight GARBAGE. PLEASE DON'T WASTE YOUR TIME OR MONEY GETTING THE CARD. ITS THE BIGGEST FRAUD, ON THE PLANET. I WANT MY DAMN MONEY BACK .

I am putting yet another review up here because I finally got the useless piece of plastic after a month and a half. You go onto the portal to activate it, and they say you need to call their 800 number to activate it. I had to dial about 100 times before anyone answered. What this is is a scam to try and collect another $195 from you for some bullshit credit credit repair. This is not a credit card. There is no $300 limit. These are scam artists. These are thieves. I have reported them to the BBB Scam alert and am reporting them to the FTC, and hopefully somehow we can get together for a class action lawsuit. These people need to be found and brought to justice. They have a big target on their backs and rightfully so. As if there was ever a worse time in recent memory to screw with people's money........they are going to come across the wrong people with their scam and they are rightfully going to pay for it. Parasite cockroaches.

This company is the worse. I wish there’s a way to sue them. They not picking up the phone I waited over 2 months for a card. Trying to activate for days now and no one answers not even customer service. I just want my money back that I paid for these bullshit ass fees. How can I sue this company?

TOTAL FRAUD!! DON'T FALL FOR THIS SCAM!!!!!