App Reservecreditcard Reviews 

They are full of shit 💩 they are scammers and and they give you the same excuse every time you call them.

My experience with DirectCard Reserve has been extremely frustrating and they are a scam. DO NOT get this card.

I applied after seeing an Instagram advertisement, paid the required fees, was approved, and then waited approximately 2.5 months to receive my card. After finally receiving it, I called to activate the card and spoke with a representative who talked so quickly that I had difficulty understanding what was being explained. I believed I was simply activating my card.

Later, I discovered that approximately $195 in additional charges had been added for a credit protection product. Had I understood that I was agreeing to nearly $200 in additional charges on top of the fees I had already paid, I would have declined it.

I contacted customer service multiple times seeking answers and called 810-775-2581 (Michigan), 218-322-0411 (Minnesota), and 855-945-4898. I was repeatedly told the charges could not be removed or was directed to another department. I spent hours trying to get a clear answer and resolution. Having multiple different phone numbers to different states is highly suspicious.

The combination of the lengthy delay in receiving the card, the disputed charges, the multiple phone numbers, and the difficulty obtaining a resolution caused me to lose confidence in this program. I have requested proof that I knowingly consented to the additional product and charges.

Due to my concerns regarding the enrollment process and disputed fees, I have filed complaints with the Consumer Financial Protection Bureau (CFPB) and my state's Attorney General's office and requested that the matter be reviewed as well as the issuing bank.

My advice to anyone considering this card is to carefully review every fee, ask questions about any optional products, and request clarification before agreeing to anything over the phone, if you can even understand them.

got approved in April finally got the cart 6/12. found it weird they didn't have an automated system to activate the card. the phone number would tell you all agents where busy then hang up on you and it would tell you that their phone service provider would monitor the call for training and such. finally got someone and he gave pitch. then wanted to sell us a credit protection plan for $195. then when we declined the plan they told us we didn't have a choice. that in order to activate the card we HAD to sign up for the credit protection/monitoring plan. DO NOT MAKE THE MISTAKE WE DID. AVOID THIS CARD AT ALL COSTS. IT IS A SCAM!!! we lost our daycare because of these people!!

This company is a scam!!! Stay away!!

Got approved may 8th I paid the 35$ and was immediately asked to pay another 60$. I declined and asked for a refund. They offered to waive the 60$ fees so I accepted. I waited over a month and my card finally arrived today. I spent over an hour trying to get someone on the phone to get the card activated. I was told that in order to activate the card I had to pay a mandatory 195$ for credit repair from my 300$ limit I said F$)& no and demanded a refund. My bank just sent me an email saying my 35$ was being refunded!

Scammed me out of $60. They want $190 more for a credit service. Do not give them any money. It took 2 months to get my card!

I paid 95$ in fees beginning of April. Since then it's been nothing but excuses. There's no app, the social media shortcut buttons on the website are fake, and they've given no proof any progress has been made on their side. It has been over 2 months and every single person I have talked to from this company has lied absolutely constantly non stop.

Same as everyone else. DO NOT get a card this is an absolute scam. Never received my card. Its been over a month.

They are full of crap and they are scaming people they don't want to give me back my refund of $35

I need a number for refund ,

paid their $95 fee to get the card 10-14 days was told id have it. that was April 17th it is now June 4th after calling every week and these barely speaking English call center scumbags lying and saying its in transit and after getting an email on May 27th it supposedly went out today. these people suck and should be imprisoned for stealing money with out delivering an actual product.

FRAUD FRAUD FRAUD Same as everyone else. Was approved for $300 line paid the $95 fee and told it would be mailed 10-14 business days. Paid 4/30 and it is now 6/3 and still no card. Got the email stating it should arrive 5/27-5/29. This is a complete SCAM! DO NOT GIVE THEM YOUR MONEY. Still waiting on a refund and the guy stated I hope you know you can never reapply to this card in the future. I HOPE YOU KNOW I WOULD NEVER BE DUMB ENOUGH TO REAPPLY TO YOUR SCAM!

Don’t do it, sorry if you already did. I paid 100 in fees still no card after 30 days! They said it was sent out 2 weeks ago still nothing! When u call all they say it that it isn’t in their hand to wait another week. At this point I want my money back!! Scam scam!!!

It's is a scam I have been wanting for my card for 30 days still nothing... I just called to get a full refund.

Its a scam. Stay away from these so call company. Needs to be investigated. There stealing from people.

After paying the initial fees instantly and waiting a month for a card that never came. I called and customer service was not helpful at all couldn't give me a time frame of when it was going to be mailed. I would run as fast as you can AWAY from them and this card. Its a scam

IAfter waiting an entire month for a card that still hasn't come after paying exuberant fees on top of fees from here I got a full refund by cancling the line of credit and no longer doing any business with this company anymore customer service was non existent fir weeks on end in the chat Ifinally got a hold of a human to get my refunds and cancel this line of credit I recommend you very credit one first way better communication

I applied for the card, paid $125 in fees to receive the card but it never came. When I called the company to inquire about it I was advised that it takes 14 business days from my approval for them to ship the card out, to date, it has been 27 business days and I have yet to receive the card. Big scam... stay away from this bogus company!

Do NOT I REPEAT DO NOT GIVE ANY MONEY TO THIS SO CALLED COMPANY.! It’s one man that answers every time. ! It’s a scam! I was scammed out of 95.00 in fees. Going to report him and this reserve credit card to federal bureau of investigation.

They don't keep their promises and they lie to people

Went through the application process got approved wanted a $35 application fee I paid it then they came back with wrong phone number trying to verify account so I went to their help center send email and it came back with this email does not exist so I'm about $35 this is fake and a scam