App Reservecreditcard Reviews 

Well, I had a great experience with the Reserve card, I didn't even know there were problems until I called customer service to activate card and it took 3 days. I applied for the Directcard Reserve card, online, got approved, but did have to pay 25.00 application fee and 35.00 processing fee. After I paid the back to back fees I did get my card in 10 days. I called but it took 3 days to get a live agent for activation. The agent tried 2 x to get me to sign up for a credit repair program 195 or 129 I said no, and hell no, but I was nice, and the agent activated my card. I used the card for 2 weeks. 75.00 charged for annual fee, then I used the card the 2nd week, during week 3 I submitted a payment to pay down the annual fee and week 4 the card was rejected for payment a few times, so I called the number on the back of the card, agent answered almost immediately, and told me the were canceling the Reserve credit card program. They would refund fees. That was it. Waiting for my refunds.

Do NOT FALL FOR THIS THEY CHARGE IN one fee then another and then never send your card or refund! I’ve reported them and file a report these scammers are getting better by the day!!

Same as everyone else. They do not deliver the card and when they say they refund all fees paid, a month later and still have not received refund. Reported to bbb as well

I was approved on April 28, 2026, but never received my card. After countless calls and follow-ups, I finally received it, only to discover it could not be activated. The message instructed me to contact the issuer, but despite numerous attempts, I never received a phone call back—only emails.

After weeks of getting nowhere, I was told they would send me a check instead. I even disputed the charge with my bank, but my claim was denied. It wasn't until I started reading other customers' reviews that I realized many people had experienced the same problems.

My experience has been extremely frustrating due to the lack of communication, delays, and inability to use the service I was approved for. I hope this review helps others do their research before deciding to do business with this company.

I never recieved my card and i will complaining to the bbb and I want my refund!

7:01 pm Thursday July 16th

Direct Card Reserve,

Are they out of business, the past two days ?
I really don't know where to start?

Finally got them on the phone after live chat, and nothing happened.

Think it's been about 2 weeks of communication, my email just got a return notification,

• they're not accepting email communications,

• toll free number suggested nobody's available for the past 2 days and just leave a message

• nobody available for live chat either

What a stark contrast, is this the same company from 2 weeks ... getting a little worried.

It did take 2 months just to get the card, it was a very nice account number, but the surprise me with the annual fee first she paid $35 then $60 and another $80 or something like that

It's sort of like a 50% down secured credit card with mysterious disappearing customer service

My first impression is correct "very unprofessional"

Please call me back!

Adam S.

of Daytona Beach

I did the same thing everyone else did... paid fees then said I was approved. I went to check to see when I would get my card only to find out I've actually been denied. Now they won't refund my money back to my card I had to REQUEST a check that will come in 30 days AFTER A SECURITY HOLD OF LIKE 24 DAYS.... wtf. I emailed them expressing how much of a scam this is.
So if u paid ur money be sure to go back on the site because u will be denied and u have to request a check to get ur money back then wait over 30 days.im still waiting for my check.....

As others here have described, I got approved, paid all the fees, and nothing - no card and no response to my emails. It's been a little more than a month now. I'm hearing impaired so calling isn't an option. I'm not sure what to do next. FBI'S IC3? BBB?

Update: I filed a complaint with the FBI-IC3, which, as it seems, will go nowhere. I'll be filing a fraud report with my bank tomorrow, which also will likely go nowhere.

The abhorrent thing in all this is that these people are preying on the most vulnerable of society - those already struggling to rebuild their credit and likely having limited income.

Would have gave them a zero if I could. Stole my money never gave a meme a refund back after I cancelled the card. Don’t mess with them at all. Hope they shut this bs company down.

Biggest scam ever. Considering all the complaints, I believe it's time to start a class action lawsuit against Reserve Direct Credit. They gladly take your money and then there's no card. Called and canceled, no refund for 2 weeks now and counting. Ongoing since the date of application which was June 1st of 2026. It is now July 15th 2026

I would give this company negative stars if I could. They take your $95 then ghost you. Waited 2 months no card. As of now I haven’t received my refund. Stay far away from this place.

Scam!! Don’t send them a penny you will never get your card ! After being approved and waiting 3 weeks for card Never received when I followed back up by logging onto their site. Received a message saying that They couldn’t open my account and I would have to wait 30 days to get the 95.00 I paid in program fees back in the mail by check !

Reserve Direct card is a scam! I paid the application fee and program fee and was told that a card was sent out. That was May 14, 2026 and was told that I would have my card by May 27th and now it’s July and yet nothing! I have cancelled the application and requested a refund and now they tell me that I have to wait 30 days to get my refund. No explanation was given. I paid the program fee and application with a debit card and now they refuse to pay me the same way I paid them. I will never do any kind of business with them and I encourage everyone to avoid them at all cost!

I paid all my fees Atotal of 95dollars After contacting them several times, they said they were unable to approve my card and they would issue a refund via check after a 23 day hold I still have not received my check This company will not respond and is a scam

I was just told by customer service that they shut the program down. So I can't even use the card No more, and they told me my program fee would be refunded. It's crazy, Such a waste of time.

They took my money, decreased my credit score and now keeping my money for 30 more days before they send it. I’m now taking legal action.

Company is a complete scam. Do not sign up. I paid the $95 fee 18 business days later still no card. I called to just get refunded. That was 11 business days ago and still no refund. I’ve attempted to contacted them multiple times and no one replies anymore. I had to file a claim with the BBB

Direct Card Reserve Review – 1 out of 5 Stars

My experience with Direct Card Reserve was disappointing due to the high fees and the lack of clear communication about how the account works.

To activate the card, I was required to pay approximately $60 upfront, including a $30 activation fee. After activation, I was surprised to discover that the advertised $300 credit limit was not fully available for purchases because $195 of the credit line had been allocated to a credit repair or membership service. In addition, the card carries a $75 annual fee.

When I contacted customer service, I was informed that I had 30 days to request a refund of the $195 credit repair service. While I appreciate that the refund option was available, this important information was not clearly disclosed before I activated the account. It also took a considerable amount of time to reach a customer service representative by phone.

Update: I did receive a full refund of the $195 credit repair service after requesting it within the allowed timeframe, and I appreciate that the company honored its refund policy.

I would not classify Direct Card Reserve as a scam. It is a legitimate Visa credit card issued by TAB Bank. However, in my opinion, the combination of high fees, reduced available credit, and insufficient transparency makes it a poor value for consumers looking to build or repair their credit.

Before applying, I strongly encourage potential customers to carefully review all terms and conditions, including activation fees, annual fees, refund policies, and any optional services that may reduce the available credit limit. Understanding these details in advance can help avoid unexpected costs and ensure the card meets your financial needs.

Rating: ⭐ 1 out of 5 stars.

Im not able to out 0 stars but thats what these SCAMMERS are worth! I would nit wish this in my worst enemy! How do you charge me $95 and then forget to mail me my card only for me to get a message that's reads this: Unfortunately, we weren't able to open and activate your account, so we're refunding you $95.00, sent as a check in the mail. Confirm where to send it, request your check, and we'll get it out to you. There's a short hold before checks are issued.
Check requested

We've got your request. Checks go out after a short safety hold — about 30 days for yours, then your $95.00 check is mailed. No action needed from you.

This is bullcrap!