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Petal card! Any success?

Regular Contributor

Re: Petal Visa Credit Card??


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


@FreeIsForMe2019 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.


Starting Score:EQ = 690 TU = 702 EQ = 673
Current Score: EQ = 690 TU = 702 EQ = 673
Goal Score:EQ = 725 TU = 750 EQ = 715

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Message 31 of 38
Established Contributor

Re: Petal Visa Credit Card??

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.

First Tech FCU Choice Rewards World MC 35k
Fidelity VISA Signature 11.5k
Capital One VentureOne 11k
Amex Gold NPSL
Amex Green NPSL
SoFi MC World Elite 8k
PayPal Synchrony MC 6.4k
AMEX Hilton Aspire 6.2k
Petal2 VISA 6k
DiscoverIt Cashback 5k
Amazon/Synchrony 5k 5k
AMEX Marriott Bonvoy Brilliant 3.1k
Apple Card 3k
Cathay Pacific/Synchrony 2.5k
AMEX Hilton 1k
Target 800
Ch 13 filed 12/13 discharged as paid 1/19
Message 32 of 38
Valued Member

Re: Petal Visa Credit Card??

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.

Not Bad For Someone on Social Security, Credit Limit Total: $12,551. Best Credit Scores EX-686, TU-717, EQ-725
Starting Score: 558
Current Score: 686
Goal Score: 850

Message 33 of 38
Established Member

Re: Petal Visa Credit Card??

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.
Message 34 of 38
Valued Contributor

Re: Petal Visa Credit Card??

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: 62. Cards: 17/24, 5/12, 0/6. Accounts including loans: 21/24, 6/12, 0/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $104,100, not counting the AU card. The AU card brings the total to $129,100. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 35 of 38
New Contributor

Re: Petal Visa Credit Card??

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. 


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
Use routing and account number
Add an account you can only use to make payments.

Message 36 of 38
Epic Contributor

Re: Petal Visa Credit Card??

@Shelleb wrote:

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.

Welcome To myFICO Forums and

popcorn eating emoticon.gif
Message 37 of 38
Established Contributor

Re: Petal Visa Credit Card??

Well, this was fun while it lasted. Closed after six months of inactivity. Net $40ish from cashback and statement credits. 

Message 38 of 38
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