Mobile App Neglected By Deserve I've been having a decent experience with Deserve, paying my bills on time, however the app on the Google Play store hasn't been updated for almost a year. People worry about security and when banking apps are updated on a frequent bases it's to make sure customers see the company is in there best interest. Improve your mobile app, respect your user base that has issues with it, it has issues.

Dishonest company Dishonest company. They partnered with BlockFi to issue credit cards. When Blockfi went under, they closed many people's credit cards - even if they paid bills/paid off card every month. They gave fraudulent reasons for account closure.

Nice Yet Small Credit Card Company Limited operating hours. Payments can sometimes post late when you pay them the day before or on due date. I recommend to always screen shot your payment with date time and confirmation code, to send ad proof if there’s an error of payment posting on time. They are friendly and they do work well to resolve issues. I do like the app. Charges are immediately push notified to your phone. Balances seem to always be real-time. Card can easily be paused on app within 2 seconds.

Poor customer service I changed my checking account, though I forgot to change the information for auto pay on my credit cards. So all my payment returned. The interesting section of this story was that all credit cards waive "RETURNED PAYMENT FEE" except Deserve. I called Deserve customer service multiple times but they cared about my case unprofessionally and never waived my first returned fee. After that, I barely used my Deserve card and prefer to use my other credit cards that value their customers.

Payments processing It will be a great choice to opt for this card, for those who just start building a credit history, especially International Students. All great except that it might need little update with the card payments processing. Like, if card payments gets processed and account reflect with updated balance instantly or at max in a business day.