Petal Reviews 

Such bad hidden fees and horrible service

Horrible customer service and ridiculous policies. My card expired and they refused to ship to PO Boxes claiming it as “not secure” when it’s under a lock under the supervision of the post office when regular mailboxes are easily stolen from.. They don’t give a crap about rural areas that can’t get mail delivered.
Took weeks to get any kind of response from customer service and my questions were never fully answered. I had to email multiple times to get anything back. Completely unprofessional.

The worst card I have ever had. I wish I had enough to pay it off and close it and definitely will when I can. The interest charged depends on the amount you pay. It will allow you to pay the minimum due, however, between the interest and their $8 per month fee (which started AFTER I had the card), you will find it only leaves a few dollars left available. The rest goes back to them. For example, a $35 minimum due minus an $8 fee per month minus interest charges will leave you with about $7 available. Basically, you're left paying monthly and may have enough for a very small purchase once or twice a year. Avoid this card unless you want to just give away money.

I filed an application including my banking info which was mandatory. Fir an email back saying they needed more and to call etc which I did. They couldn't help me and seemed confused as to why I was calling. Have emailed several times with no response.

I had to write a 2nd review of these low life's. They are very RACISTS against certain ETHNIC GROUPS!!!
I have a credit score of 700 and told me NO after sending me several offers!

ISSUE #1: March 7, 2025 I bought an item from Best Buy. I returned the item less than 2 hours later as it did not work. On my statement Petal listed the -$64.19 and then promptly added $64.19 to my balance. This has NOT bee corrected and they indicate a balance $64.19 HIGHER than what it actually is. This will now be TWO months of interest they are collecting for a balance that does not exit. Petal wee informed of this obvious mistake via email on March 10, 2025. To date they refuse/have not corrected it and continue to charge interest on a balance NOT owed.

ISSUE #2: On March 10, I wrote via e-mail, to Petal regarding the $100 increase. I reminded them that I have NEVER been late with my payment for well over a year, and NEVER gone over my limit, and also that their advertising regarding credit increases is false advertising. My income is NET over 1K per Week. Their advertising IS false, and is clearly stated to manipulate people to get their card.

ISSUE #3: After all the above, this is where it get interesting. On March 28, 2025 I receive an email informing me that my payment is 2 days late. I NEVER received any payment reminder like I have all this time... BEFORE.... complaining to them about their services and shady practices (see #1 above) They also charged me $25 late fee! It is very obvious that this company resort to dirty games in the event you call their shady business practices and false advertising out out!! I did not receive any notification of payment due! Keep in mind, the amount they say I owe is incorrect by $64.19 (see #1 above) and they are charging me interest on it too! This Company's business practices need to be investigated! What they are doing is Fraudulent/False advertising. I could NEVER recommend this credit card to anyone. They will deliberately "forget" or "glitch" with their system in order to 'teach you a lesson" for speaking up about their shady business practices. Read ALL the reviews. They are not credible..

Ever feel like you are constantly getting singled out and discriminated against because of your heritage? Well, then this card is definitely not for you. I have several credit cards in my wallet with limits over $10,000. About three years ago I foolishly applied for this Petal card. I was approved for a measly $1300 credit limit. I was shocked! Over the next three years I continued to play their foolish games by flawlessly completing what they call “leap challenges” which is a juvenile way this company makes you beg like a dog for a limit increase, only to decline the request by saying “ we are not considering increases at this time”. My credit score is close to 800 across all three bureaus, anytime I’ve used this piece of crap card, I have paid the balance down to zero by close of every billing cycle. I’ve been nothing but the perfect and responsible consumer. So, only one of two things or maybe both are going on here. They would like me to carry a large balance so they can charge me exorbitant interest rates, or, the one I truly suspect is that they do not like my Hispanic surname. I urge you to take this review to heart and definitely reconsider even thinking about opening an account with this sham operation. I’m not a person who uses the race card often or unseriously but this is the only excuse I can think of as to why it’s been three years without any consideration at all from Petal. The part that really gets you in the end is that when you have access to over $100,000 between several cards and you are two points away from an 800 credit score, this stupid racist card with this measly $1300 balance sticks out like a sore thumb and prevents you from moving forward. And, if you cancel the card, your length of credit metric takes a hit on your credit report. Seriously do not do business with this company. It will just be years and years of degradation and disappointment. Shame on you, Petal!

I've had the Petal 2 Card for several years and things were flawless. Approximately one month ago, I woke up to emails from Petal about fraudulent charges. I disputed those charges and just like other customers, I was on the hook for more than 75% of the balance. Customer service was no help whatsoever

What a SCAM! STOP NOW! Don’t APPLY! They offer a credit limit increase as soon as you activate your card and link your bank account within 30 days! Problem is! You can’t! Took them 65 days to get me the card! Called them multiple times and got BS responses. This is one I’ll pay off on the first payment and close quickly! The APP is a JOKE! Like a 13 year old created it! Highly recommend you AVOID this scam! Never been so DISSATISFIED with a credit card company in my life! If there was anything LOWER than ONE STAR, I’d submit it! -10 stars. I’m contacting FDIC, FTC and BBB as soon as I have time!

Terrible experience with this credit card company! My card was stolen and used for fraudulent transactions, yet they only credited back a small portion, leaving me to pay 75% of the unauthorized charges. Their dispute process was unhelpful, and customer support did nothing to fully resolve the issue. If you want real fraud protection, avoid this card at all costs!

Current happy customer!!!! Petal has an extremely sound credit card and even better service! Petal and it’s employees/associates are able to notice and handle most illegitimate transactions before they are allowed & are super fast in communicating with the card user to keep such things from occurring in the first place. A time or two I brought an issue to Petal and it resolved without further hurdles or hassles. Petal is phenomenally helpful and truly deliver when advertising they’ll help build your “credit” - from nothing to something and fairly quick as well.

***they do have an annual fee but what they provide for that is WELL WORTH IT! Easy to establish credit especially for the1st timer or beginner to the credit world. Terms are easy and credit is pretty quickly gained and held….

I was trying really hard to get past their little game they have to increase credit, I did everything right On time payments and sufficient payments for 6 months, but it's just a game it never happens they will make intentional mistakes that keep you from getting past the 6 months. I had them for several years I gave up on the game. I was trying to build enough to get my roof replaced, never going to happen. This is not the only CC that played games with me being on time . I was never able to accomplish my goal to get enough credit to do what I needed now I had to take other measures to fix my roof putting me deep in a hole forcing me to consolidate all my cards I tried not to include the ones that did the right thing but what can I do im not letting my roof collapse because of a game.

Negative 100. This card is as close to a scam as you can get. And the customer service is pathetic and non existent, if you can even get someone on the line. It's actually more helpful if no one picks up at all, and certainly less frustrating. There is no scenario that it makes sense for anyone to get this card. And once your balance gets high, they introduce new fees and monthly charges to trap you. Even closing the account hurts you, which is how they force you to pay. If a comet hit earth and landed on their building, I would thank God for the blessing.

Just close my pedal credit card. Not just because they started charging the $8. But my credit card got compromised twice told pedal about it. They did reverse the charges. Then, 3 months later, they reversed the charges. I called Uber up and told them what was going on. Uber didn't have any recognition, they said we would reverse the charges. Then, when I closed my account with pedal, they turned around and charged me 2 and a 1/2 months later? So beware with pedal, they're not veteran friendly and just be careful.. I asked them to send me proof where they said.I owed Uber the money that they were charged 9.90 a month and they couldn't so people beware.They make up their investigations , then all they save if you don't get back to us days to charges will stand. Pretty much said tough luck. Service country for many years peddles forgotten where they come from. No one's of them. It's nice. They do speak english but very disrespectful

Charged an 8 dollar monthly membership fee. No thanks Petal! Cancel card everyone.

Petal is the worst credit card company in existence. Save yourself a bunch of headaches and choose another card.

WEBBANK/PETAL has been inaccurately reporting my balance to the three credit bureaus, which constitutes a violation of the Fair Credit Reporting Act.

Despite previous assurances from Petal, the issue remains unresolved for several months now. Despite multiple attempts to dispute the balance with the credit bureaus, PETAL has failed to rectify the situation and continues to provide false information.

I have communicated the financial hardships caused by this violation to Petal on several occasions, highlighting how it has significantly impacted my family's housing situation. However, PETAL has yet to take appropriate action to correct the inaccuracies.

Current Balance: $0 (Not reported)
Account paid off: since 2023 (Not reported)

I issued this card to build my credit score.
After I closed it, they kept charging my closed card for nothing, and now my credit score is -54!!!!!!!
It's completely ridiculous. Never ever use it, never! Customer service is terrible

How I wish I had read these reviews before signing up with this company. 8 dollars a month for awful service, on top of a very high interest rate. Petal used to be just ok but now they are putting an even heavier burden on those least able to carry the weight. Shame on them for their greediness. I wish I'd never open an account and will be paying it off ASAP.

Avoid this company at all costs. And for current or former customers who are dealing with the $8 membership fee plus late fees and finance charges assessed on a balance that consists of ONLY the membership fee, please file complaints with the BBB and most importantly, the FDIC. This is borderline predatory lending and they need to be held accountable.