Why isn't Blispay a coveted card?

[Aahz]

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@Anonymous wrote:
Now the big issue. Blispay says all payments will be prioritized to the financing side when something is 2 months before hitting the defferred interest. So if I get a $100 statement and pay $300 to help pay off a $400 financed order (due in 2 months), you expect a $0 statement and $200 financing amount left. Blispay says you still owe $100 for the statement and $100 for the financing. So you get hit with interest on $100. This is why I avoid it. If I only had big purchases, maybe I would get it. But the hassle isn't worth the financing, as I already get 2% min back on my purchases.

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This wasn't Blispay's decision it's mandated by Federal Law in the CARD Act.  Any card with deferred financing has to apply payments this way.

[grillandwinemaster]

The name sucks!

[sarge12]

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@Azza wrote:
Easily accessible, seemingly generous credit lines and baked in financing. What is this card seem to be panned or otherwise poorly reviewed?

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I would have probably gotten this card except I am one of the few without a smart phone...just regular dumb cell phone. The fact it requires a smart phone was a deal breaker.

[UncleB]

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@sarge12 wrote:

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@Azza wrote:
Easily accessible, seemingly generous credit lines and baked in financing. What is this card seem to be panned or otherwise poorly reviewed?

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I would have probably gotten this card except I am one of the few without a smart phone...just regular dumb cell phone. The fact it requires a smart phone was a deal breaker.

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Someone can correct me if I'm wrong, but I believe you only have to have a cell phone to receive text messages... Blispay should work fine with a 'regular' wireless phone.

Of course you'd not be able to use the app, but that's only necessary if you want to pay at a merchant w/o the physical card, and only specific merchants (and online) would allow that anyway. 

Honestly I very seldom use the app myself... it was most useful to give me the card number the few days before the plastic card arrived for use on Amazon and for car insurance. 

[sarge12]

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@UncleB wrote:

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@sarge12 wrote:

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@Azza wrote:
Easily accessible, seemingly generous credit lines and baked in financing. What is this card seem to be panned or otherwise poorly reviewed?

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I would have probably gotten this card except I am one of the few without a smart phone...just regular dumb cell phone. The fact it requires a smart phone was a deal breaker.

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Someone can correct me if I'm wrong, but I believe you only have to have a cell phone to receive text messages... Blispay should work fine with a 'regular' wireless phone.

Of course you'd not be able to use the app, but that's only necessary if you want to pay at a merchant w/o the physical card, and only specific merchants (and online) would allow that anyway. 

Honestly I very seldom use the app myself... it was most useful to give me the card number the few days before the plastic card arrived for use on Amazon and for car insurance. 

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If that is the case, then the CSR lied to me...I called and informed them that my cell phone did not have internet, and was just a standard flip cell phone. The CSR said a smart phone was required...I do not know why.

[Aahz]

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@sarge12 wrote:

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@UncleB wrote:

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@sarge12 wrote:

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@Azza wrote:
Easily accessible, seemingly generous credit lines and baked in financing. What is this card seem to be panned or otherwise poorly reviewed?

---

I would have probably gotten this card except I am one of the few without a smart phone...just regular dumb cell phone. The fact it requires a smart phone was a deal breaker.

---

Someone can correct me if I'm wrong, but I believe you only have to have a cell phone to receive text messages... Blispay should work fine with a 'regular' wireless phone.

Of course you'd not be able to use the app, but that's only necessary if you want to pay at a merchant w/o the physical card, and only specific merchants (and online) would allow that anyway. 

Honestly I very seldom use the app myself... it was most useful to give me the card number the few days before the plastic card arrived for use on Amazon and for car insurance. 

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If that is the case, then the CSR lied to me...I called and informed them that my cell phone did not have internet, and was just a standard flip cell phone. The CSR said a smart phone was required...I do not know why.

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I've been using Blispay almost daily since it was introduced and have never downloaded the app, so a smart phone is definetly not required.  Just a way to receive SMS messages for confrmation.

[UncleB]

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@sarge12 wrote:

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@UncleB wrote:

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@sarge12 wrote:

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@Azza wrote:
Easily accessible, seemingly generous credit lines and baked in financing. What is this card seem to be panned or otherwise poorly reviewed?

---

I would have probably gotten this card except I am one of the few without a smart phone...just regular dumb cell phone. The fact it requires a smart phone was a deal breaker.

---

Someone can correct me if I'm wrong, but I believe you only have to have a cell phone to receive text messages... Blispay should work fine with a 'regular' wireless phone.

Of course you'd not be able to use the app, but that's only necessary if you want to pay at a merchant w/o the physical card, and only specific merchants (and online) would allow that anyway. 

Honestly I very seldom use the app myself... it was most useful to give me the card number the few days before the plastic card arrived for use on Amazon and for car insurance. 

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If that is the case, then the CSR lied to me...I called and informed them that my cell phone did not have internet, and was just a standard flip cell phone. The CSR said a smart phone was required...I do not know why.

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Yeah, I think the CSR is just mistaken. 

They are trying to promote it as a store card replacement for merchants who sign up with them; in those cases it does require a smart phone w/ internet to be able to use the account the same-day (while physically in the store).  Perhaps that's what caused the confusion with the CSR.

If you just want to use it as most of us here do (for the 2% and 6 month financing) you should be fine to apply online via computer.

[sarge12]

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@Aahz wrote:

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@sarge12 wrote:

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@UncleB wrote:

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@sarge12 wrote:

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@Azza wrote:
Easily accessible, seemingly generous credit lines and baked in financing. What is this card seem to be panned or otherwise poorly reviewed?

---

I would have probably gotten this card except I am one of the few without a smart phone...just regular dumb cell phone. The fact it requires a smart phone was a deal breaker.

---

Someone can correct me if I'm wrong, but I believe you only have to have a cell phone to receive text messages... Blispay should work fine with a 'regular' wireless phone.

Of course you'd not be able to use the app, but that's only necessary if you want to pay at a merchant w/o the physical card, and only specific merchants (and online) would allow that anyway. 

Honestly I very seldom use the app myself... it was most useful to give me the card number the few days before the plastic card arrived for use on Amazon and for car insurance. 

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If that is the case, then the CSR lied to me...I called and informed them that my cell phone did not have internet, and was just a standard flip cell phone. The CSR said a smart phone was required...I do not know why.

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I've been using Blispay almost daily since it was introduced and have never downloaded the app, so a smart phone is definetly not required.  Just a way to receive SMS messages for confrmation.

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A CSR that does not understand the requirements of their own card does not surprise me, but is enough reason to not apply. If a smart phone is required, it is a deal breaker. If the CSR is so incompetent to tell me it was a requirement, when it was not, that is also a deal breaker.

[Anonymous]

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@sarge12 wrote:

A CSR that does not understand the requirements of their own card does not surprise me, but is enough reason to not apply. If a smart phone is required, it is a deal breaker. If the CSR is so incompetent to tell me it was a requirement, when it was not, that is also a deal breaker.

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I understand your viewpoint, but if "Are CSRs misinformed/incompetent about important details?" was a gating factor for chosing an issuer, most of us wouldn't have any cards!

[UncleB]

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@Anonymous wrote:

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@sarge12 wrote:

A CSR that does not understand the requirements of their own card does not surprise me, but is enough reason to not apply. If a smart phone is required, it is a deal breaker. If the CSR is so incompetent to tell me it was a requirement, when it was not, that is also a deal breaker.

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I understand your viewpoint, but if "Are CSRs misinformed/incompetent about important details?" was a gating factor for chosing an issuer, most of us wouldn't have any cards!

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+1

I've been annoyed plenty of times by CSRs (at banks and elsewhere) but I'm not going to allow their ineptitude to cause further issues by depriving myself of a product that's a good fit otherwise.