Cred.ai

[Red1Blue]

Did any one use or familiar with CRED.AI. I am trying to find information on this card. Thanks.

[CreditInspired]

I did a Google search and my thoughts are that it's just a glorified "metal" debit card. 

https://topmobilebanks.com/cred-ai/

[Red1Blue]

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@CreditInspired wrote:

I did a Google search and my thoughts are that it's just a glorified "metal" debit card. 

https://topmobilebanks.com/cred-ai/

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I found the same thing. I already applied and approved. It is too late now. I put $250 into the account and see what happens. At least I am getting a Metal Card.  I read they are reporting the credit limit as $1500 to all accounts. I am not sure if I want a new account reporting but it is too late. I'll see what happens. 

[b0yinterrupted]

There is a lady on the /cRedit subreddit who loves this card.

DP for anyone considering applying...if you're on Chexsystems you can't get it. 

[Red1Blue]

Today I received the card in the mail. Card  Looks very nice. But it is disappointing it is only a debit card and no rewards or benefits attached to it. I'll keep it as souvenir. That is it for now for this card. 

[Horseshoez]

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@b0yinterrupted wrote:

There is a lady on the /cRedit subreddit who loves this card.

DP for anyone considering applying...if you're on Chexsystems you can't get it. 

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It seems for every subject covered on Redit, there is at least one person who loves said subject; color me unimpressed. 

[Anonymous]

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@Red1Blue wrote:

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@CreditInspired wrote:

I did a Google search and my thoughts are that it's just a glorified "metal" debit card. 

https://topmobilebanks.com/cred-ai/

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I found the same thing. I already applied and approved. It is too late now. I put $250 into the account and see what happens. At least I am getting a Metal Card.  I read they are reporting the credit limit as $1500 to all accounts. I am not sure if I want a new account reporting but it is too late. I'll see what happens. 

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"Should I jump? Too late now I jumped. Let's see what happens." I love your enthusiasm.  

So is this like a SELF credit building account or a millenial fintech debit account?

[Red1Blue]

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@Anonymous wrote:

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"Should I jump? Too late now I jumped. Let's see what happens." I love your enthusiasm.  

So is this like a SELF credit building account or a millenial fintech debit account?

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I beleive it compares to Chime. It is a debit card  but reported as a credit card to all 3 CRAs. Even if we dont keep money in the account,  I believe they report credit line as $1500. It is what I read on google and there are quite a few videos on You Tube. I got the card yesterday and it looks very nice. Made out of Metal and design is out of the world. I dont need a new trade line on my report but since I already jumped,  I want to give it some time and see how it works out. Good Luck.

[Anonymous]

Researched it a bit. Sounds like a good Day 1 card where you go on an app spree in the beginning of building so they can all age together with few negative effects. Tough to find a use case in the mid stages other than novelty.

[Red1Blue]

I received my Cred.AI card and started to get famialiarize with it and understand better. Please feel free to share your experiences. I put $500 in the bank and I used the card for $1.51 at McDonald's. Now I am going to wait some time and see if they would send a statement or how it works. Feel free to share your experience with this card.