Petal Reviews 

I see everyone is downing the petal credit card but I am going to give my honest review. Petal gave me credit and helped me rebuild my credit. I’ve had them for a little over a year and must say I really liked this company, they have gave me an increase and I will tell anyone to try them for yourself. The only downside as of right now is I froze my credit card to prevent unauthorized uses and would unlock it when I was ready to use. But when I needed to use it I notice the app was tripping saying it could not unlock it, so I deleted the app and downloaded it again and the unfreeze button was completely gone. I reached out to the petal representative and the customer service agent said that it had happened to many of there customers. I asked if they could unlock it for me and I was told no and that I would have to wait until they notified me that the issue was fixed. It has been 3 weeks now that I can not use the app to unlock nor received any response. So up until now I give them a 4 star if this had not happened I would had gave this company a 5 star because I have never had issues and am just finding out that this company has lots of app issues. So if you have this card DO NOT LOCK IT!!!!!!!! If you do you may not be able to unlock it nor will petal unlock it for you.

This company is a scam .I bought something for a very small amount of money . They pretend to be associated with the company RITUALS Never received what I bought and no replies to any of the emails I sent to their so called Customer Support .Absolute scam DO NOT PURCHASE and watch out for possible subscription scam

This company has become a complete scam.

They sent me a new card as my old one expired. It doesn't work and they said in a heavy foreign voice they dont know what the problem is. That they have a team trying to figure it out. That was over 2 weeks ago. I tried calling Tilt and they referred me back to Petal.

They sent me a new card as my old one expired. It doesn't work and they said in a heavy foreign voice they dont know what the problem is. That they have a team trying to figure it out. That was over 2 months ago, card still doesn't work. They won't give me a new one or any explanation.

Great card for building credit, but beyond that it’s maddening. They block transactions constantly and there’s no way to approve them. You have to call customer support during business hours. The online account interface has very little functionality. This is a bare bones card for building credit. If you try to use it for more than that you will be frustrated.

The app is hard to navigate and wait time for customer service is awful

Paid my petal credit card payment for June they sent me a fake confirmation number I took the money out of my bank when I called customer service they said I never paid it I've got the receipt for my bank they don't want to hear it. Whoever processed the payment stole it. They did not offer no help got nasty. I would never recommend petal credit card or web Bank.

Absolutely worst of the worst. Be careful. Delete your account immediately close your account.!!
Young kids incompetent Philippine call center can’t speak English broken system can’t accept documents. Terrible waste of money fraud! Low education low bar Incompetent complacency… 🤮👎👎👎👎👎👎 don’t waste your precious time in misery !

They’re trying to stole my money out of my bank account and making me pay double and they took the money out of my bank of account.

I am in no way shape or form trying to be an a$$. When you have a customer service representative with a very thick accent they should not be helping anyone. I asked about deactivating my accounting closed and the answer was you only have one unless you get an email to reapply. When I asked what that meant she hung up.

Just got my Petal 1, and setting it up was a nightmare, and felt scammy, and I can not even cancel it myself. So, I linked my bank as they requested right off the bat to verify it. There was no option to skip ... you have to have a bank linked (not everyone wants to pay online with the same bank account every time ... but apparently there is no other option). While linking my account, there is a part where you have to confirm something, and I wanted to read all the details. Turns out, if you take a second to start reading, it kicks you out of the entire activation process. So, that feels scammy. Why can't I read what I am confirming to, hmm? There is a skip option, but it is small, and maybe I want to skip it. I went back through and had to confirm because I didn't have a second to read and know what I was and wasn't confirming. I linked my bank account, but I got an error code saying it didn't work. I went through the entire process again and got the same error code. I checked my email... odd... I had two emails saying it was added. Honestly, I do not know where the disconnect is. But it feels scammy. Why are you telling me it did not add, but it did? Then I got kicked out of the website entirely and had to log back in. I did ... and it said to check my connection. My connection was perfect. I tried it again, and it said to try again tomorrow ... I kid you not ... try again tomorrow. How unprofessional?! And also, that feels like a major scam. Added my bank ... told it was not added, but it was ... then kicked out and unable to log back in. That is SO sketchy. If anything happens to my bank, I will be suing. So, I ended up having to email support to ask them to cancel the card because why would I continue with a company that, out of the gate, is so unprofessional and sketchy? Hopefully, it actually works, and they cancel it. It just sucks because I had a hard credit check to apply, waited weeks to get the card in the mail, and now I don't feel safe to use it. 100% not worth it. Thankfully, I really do not need to build my credit; I just wanted a credit card to keep my score high. But this wouldn't be worth the hassle, even if you DID need it. I struggled with PayPal Credit Card, but you know what, it was a lot less scammy and bad than this. At least there were perks, and you could call for help. It just flagged my account too much because I traveled and spent money abroad, and I didn't like the hassle of having it constantly flagged. This, though, is so much worse.

Petal site does not allow extended history of charges and when you call they cannot verbally tell you or send you a copy if previously charged items, red flag all! The website and App are horrendous. They have connections to my bank account and I have tried 30 or more times to remove them, and after giving them negative feedback on my open account they are not letting me sign on to the site, really strange service! Be careful!!!

So I got this card after a bankruptcy, knowing it was a high interest card, which is fine. There are no rewards. I had it for about. I don’t know five months paid on it. Low credit line and they raised it. My concern is I’ve tried to use it on two different online websites and they have declined the purchases when I called. They’re telling me that they’re not supported merchants.WTF does that mean? I couldn’t get an answer given that there are no rewards and high interest and I understand my credit is crap. I close the account and paid it off. I’m not going to have a card that police is where I shop. These weren’t sketchy merchants. They were private merchants, merchants I’ve purchased from before with other cards without issue. There are other bad credit cards out there that you can look at I wouldn’t bother with this one. they also take over a week to post any payments so that they’re reflected in your credit line. And Their app is completely dysfunctional. …

TERRIBLE CUSTOMER SERVICE!!! I made a request to consolidate my Petal credit balance to my primary credit card to pay everything off at once. Unfortunately Petal doesn’t allow balance transfers, which I have no problem with, that’s absolutely ok. The problem is that I never once received an email or a phone call saying that by transfer was declined and Petal kept me in the dark, making me think that the transfer was accepted (on my primary credit account, it showed the balance transfer as accepted). I voiced by concerns and disappointment to a representative and a supervisor, but they refused to elaborate on why the balance showed as posted and why the transfer request was still showing on their end. When they refused to help me, I demanded the supervisors full name and who he answered to. He only disclosed his name, Jed, but rudely refused to disclose his last name and employee number. When I demanded a manager he answered to, he dismissed my request and wouldn’t even disclose their CEO’s name. BEYOND unprofessional, BEYOND disappointing. I paid off my whole card just to cancel my account and card. Will never be using Petal, Chime or any subsidiary of there’s ever again

Scam product. Customer service is over seas. I was a Petal 2 card holder and they down-graded me to a Petal 1 with no option to upgrade. Closed my account. Good fuc*ing riddance. Hope they become insolvent and file for bankruptcy soon.

I made a purchase on September 25 for $59.40 from a website that sent me a counterfeit Dermalogica product. After using it once, I had a reaction that required a dermatologist visit on October 18, where I was diagnosed with contact dermatitis caused by the product.

I filed a dispute with Petal on October 20 and provided all evidence, including:
• A doctor’s note from my dermatologist
• Screenshots of my conversation with the merchant
• A photo clearly showing the product was fake compared to the real one

Despite this, Petal closed the dispute on November 11 without offering any explanation. I requested that the case be reopened and resubmitted all the evidence again. Petal closed it a second time on November 20 — again without explaining how a counterfeit, harmful product sold by a merchant does not qualify for a refund.

Petal provided no reasoning, no transparency, and no indication that a proper investigation was done. As a customer, I expected fair dispute handling and basic consumer protection.

This experience has seriously damaged my trust in Petal as a credit card issuer. If you find yourself in a similar situation, I strongly suggest filing a complaint with the CFPB.

Terrible card!

Stay as far away from this company and its products. They have the absolute worse customer service with limited hours, limited resources and, their representatives are subpar at best. They don’t take any other forms of payments other than bank information. If you ever want to do a balance transfer to another account, they have made that pretty much obsolete.

They give no rewards, they give you service fees, their interest is ridiculous and, they offer nothing more than a small credit line. The only thing they are good for is building your credit if you have bad credit or you’re hurling your credit but even that is awful because their reporting is backed up by like 2 to 3 months.

Absolute horrible product and a waste. There are other companies out there that do a better job at helping people with less than favorable credit build up their credit with less nonsense to deal with.

Stay away!

Totally unusable website. Have tried phones, PC, with different browsers and ISPs and still, website just won’t work. Keeps kicking me back to login and hangs on the few pages I could get to load.

I got approved but never received my card. I sent emails but no response, then they closed my account. I would stay away from this card. Janky.