Re: Petal Visa Credit Card??

Anonymous · ‎05-05-2019

Have had the card for almost a year and no problem what so ever. So no need to be worried at all...

@Anonymous wrote:
I agree with you, I saw that APT # 2 address in the Experian's Credit Report info of PETAL and when I saw that, I quickly changed my bank password. I plan on changing my bank account info in the morning also. If I keep them, I will pay by other credit card instead much safer.

notmyrealname23 · ‎05-29-2019

I wouldn't be freaking out about them using an aggregation tool that any more than I would about Mint/Intuit, Fidelity, and so on (my credit union offers one)... but you do you I guess. This is actually fairly common for banks to offer this; what's unique is Petal uses it to help inform how they grant credit.

Anonymous · ‎07-06-2019

It took 2-4 weeks for the PETAL card to arrive. and I figured out they won't report to the Credit Bureaus until you first make a purchase on their card which took 2-3 months to show up on. They do report to all 3 Credit Bureaus (Experian, Equifax & TransUnion). So for any new card for anything I recommend you make a small purchase so you will get on the Credit Bureaus Radar which will boost down your credit usage percentage (Below 30%) and raise your credit score each month.

rcrawfo2 · ‎07-08-2019

They denied me in 2017. They said the card is for people with no credit. At that time I didn't have any credit cards just horrible credit. Now I have almost every card i ever wanted without petals help.

KJinNC · ‎07-08-2019

I applied about two months ago. At the time, I had a couple of starter cards and not much else. I reached the part of the application where you enter your bank login information. I entered it, but got the password wrong (I realized later). It said it was "trying to connect" and told me to "check again tomorrow" every time I checked for about a week. I don't remember now if I was unaware at that time that I had the password wrong, or if it didn't give me an opportunity to change the password. I think the latter, but wouldn't swear to it. Eventually, it told me that I had been denied. I don't think it gave a reason. I am unable to try again, because Petal does not allow you to reapply once you've been denied. Don't really care at this point, just posting for data points.

FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan

Anonymous · ‎07-16-2019

Hi I got approved for Petal account and i didnt have to link bank information, I was able to be approved from credit report only. When you set up bill pay they have 2 options. I picked option 2 as i will not give anyone access to my banking account in this way.

(1)

Link your account

Linking one or more accounts allows Petal to analyze your finances over time and determine your eligibility for additional offers and services, including access to budgeting features and benefits

(2)

Use routing and account number

Add an account you can only use to make payments.