Petal Reviews 

For the first 3 months everything seemed great. Then I was alerted about "fraudulent activity" on my card, but there were no purchases made on my card that I did not recognize. So I emailed customer service and told them, but got what must've been an automated response telling me I'd be updated when the investigation was done. Two weeks later still no update so I emailed again, only to get the "Welcome to Petal" email as a reply, which was pretty infuriating. After I calmed down I called customer service, hoping to get some actual help. I was told he "couldn't access the account" because it was suspended. He told me I would be updated via email when the investigation was done, even though I had attempted multiple times to tell them no investigation was needed because there were, in fact, no unauthorized purchases made with my card. It has been a month since I've been able to use my card and I have still not received any updates whatsoever. I decided to look up reviews for Petal to see if others had similar issues and lo and behold the ratings are abysmal. My card is now a useless piece of plastic. It's a huge shame because this was my first ever credit card and now my credit score, which was actually good, is going to drop because I'm going to have to close my account and find another company. Horrible customer service, if you can even call it that. Do not even bother with Petal.

I have a Petal 1 credit card. I had two transactions on my billing statement that were fraudulent transactions. I contacted Petal Credit Card Inc. They investigated and said it was not fraudulent transactions made on my account. I sent them a police report showing my phone was lost, and I had other issues with apps and fraudulent transactions orders. They denied my fraudulent dispute on two transactions. I requested this by email after receiving their denial letter. I noticed both transactions happened with a food app delivery company I never used because I am homeless, but I only received mail at that address. Petal credit card sent me the documents from that food app delivery company showing me an email address I never saw before that was used to make fraudulent transactions and other information was not mine. I requested a denial appeal and sent the police report and new questioning the information the food app delivery company documents. Patel's credit card denied it again. I did all I could do to work with Patel Credit Card, but they made me feel like I was guilty of fraudulent transactions from the beginning to the end and how they treated me through the process. They did give me temporary credit for the two amounts of their fraudulent transactions, but I never was able to use it; they had it on hold. I finally closed my account immediately because if fraudulent transactions happen again, I will be responsible for paying it back like I’m now making monthly payments. I strongly do not recommend this card to anyone. Many better credit cards out there to help build good credit. As a member of the American Consumer Council, if I can rate them a “0,” no stars I would have.

I lost both of my jobs due to the covid pandemic back when... I attended college for a year and a half with no income. I just recently returned to work and am currently getting caught up on all my credit cards besides PETAL CARD VISA. I have been making payments to get caught up, but they continue to charge me a late fee without paying the minimum due of 500 dollars. They offer NO payment arrangements of any kind and continue to charge a late fee. How does someone get caught up to their minimum payment if payments are being made but continuing to charge a late fee of 40$? I have contacted PETAL CARD collections and CUSTOMER SERVICE. They state there is no help until I pay the minimum which keeps getting higher each month even when I am attempting to make the payments. They refused to help me set up a hardship payment arrangement and will not stop charging me late fees. Is this even right for the consumer who wants to pay their bill?

They require Plaid to approve you. No thanks. 2FA does not work with Plaid, not going to do it.

not the best at all. would not recommend. signed up for this had an exceptional payment history and then when the pandemic hit they offered no kind of help or pay plans for those affected by the disaster. randomly closed the account instead and have largely refused all inquiries about payment arrangements since that time. would not advise at all if you take your credit seriously customer service is abhorrent and often does not listen at all.

Liars and thieves. I was preapproved. Having good credit I assumed it wasn't fir the minimum.
Hard pull later, yep minimum ampunt.
BUT WAIT! Link your bank account for 100 more credit. 500 is bs so I say since y'all lied and I'm basically stuck, ok!
Today they said they are a lying fraudulent company and the 100 credit isn't there but my card is on thr way.
I called.thek and said cancel their fraudulent card and am about to contact the DTC and attorney generals office

Petal, and their customer service is crap. Stay away from them.

I just got this card and I love it so far hope to take it to higher limit’s lol credit limit’s. Ok so today make the 6 month for me they ask me if I want a credit limit increase well the increase is only 50.00 dollars that is it and ever other credit credit cards I have given you like 350 to 450 what the hell petal you are a joke I do not want this joke any more apt is 29.9 way to hight

Underhanded. Unlike literally every other card I've had, they intentionally wait 3 months to reward you so that they can collect as much interest as possible--and now that the 3rd month's statement has arrived... NO REWARD! I will have to call the subpar Customer Service tomorrow. It's not a seamless experience, be prepared for trouble. Customer Service only available weekdays, website is not user-friendly. Do not recommend on any level. Seriously considering closing account asap.

PARRIS SANZ ATTORNEY FOR PETAL CARD & WEB BANK, (OWNS PETAL CARD)
EMAIL UPON REQUEST.

CELL PHONE
914-874-3352

CALL HIM. BLOW UP HIS PHONE. POST THIS INFO EVERYWHERE.

These people are funny. They use software recognition, in the application process. They record an image of your self, they also want a picture of you holding a government ID. I never heard of such an application process. Plus the barely speak English. I definitely don't recommend applying for this credit card.

Jesus, No! Do not try to fill any application and give away your information!!!

I had high hopes of this card but I was leery -- I should have trusted my instincts. From the beginning their customer service was horrendous and unhelpful, but I somehow convinced myself, I'll just use the card and not have to deal customer service it will be fine. I continued to ignore the warning signs. Starting out was fine, used the card for several purchases and paid the balance off in full before I even got my first statement (i.e. $0 balance due). Then get an email which notoriously resembles a phishing scam which Petal threatening to close the account. After discovering Petal was actually serious about this, I obviously (and many others) regretted ever getting this card and would caution anyone to RUN AWAY!
This company is a joke and I would not be surprised to see lawsuits (if not already started) very soon and hopefully Petal is shutdown swiftly before they can harm anyone else. They are huge risk to personal security and next major information breach waiting to happen. They're constantly having glitches, suspiciously closing accounts and emailing new customers that their accounts have been closed less than 48 hours of being approved--then blaming it on the customers. Also freezing and closing accounts due to "unusual activity" that are in perfect standing or in many cases before a customer has received, activated or used their card, threatening to close the account to extort sensitive personal information (for example taking a "selfie" with your government ID or Passport) that no reputable credit card or bank would ever ask. They are doing more damage to consumer credit then helping because they are faulty company. Hopefully reviews like this will warn others from falling into the same trap.

They have the worst customer service when compared to any credit card provider. If you email them or contact them on social media be sure to get copy/paste responses alone. If you get any fees charged, there is no way of appealing or getting them canceled even if your reason is valid. I’m not sure if I did the right thing by choosing to link all my bank accounts and credit card accounts with this company to get such a card. I'm thinking of closing my account and asking them to delete my data. Please avoid this company at all costs. They want to sound hip and appeal to millennials, but with such poor customer service and agents who are not ready to hear you, you are better off not having this credit card. I don’t even think they are legit anymore. Even if you contact their customer care on phone, the agents are helpless and they cannot help you most of the time. They read ready-made responses that make you feel you are talking to robots.

Update: They have become even worse. Today when I was disputing an interest charge, they did not provide me with any solution but only were apologizing. I asked to speak to a supervisor, and after waiting, I spoke to an accounts manager, I was complaining and I told him that I was considering closing my account. He said that if I closed my account, I could not open one again, to which I said that it would not be a problem. The next minute that guy tells me that my account has been closed as per my request. These guys did not even confirm account closure before doing so. Such indifferent folks. I have written emails to top people in the company and I am awaiting a response. But even if my account is closed, I think that it is GOOD RIDDANCE!

Update 2: Someone from operations reached out and offered that I could reinstate my account which I did cos I did not want my credit score to take a ding for the closure of the account. Also, only after the assurance that I would get a better customer experience did I say yes to reinstatement. Let’s see how this ends up. Maybe a stupid decision, but only time will tell.