EXTRA: Build Credit with Debit 4+

I rarely leave reviews even for apps that I enjoy, but for Extra I will. I’d start by saying Extra has one of the best, if not the best support systems out of any company I’ve interacted with which is of course probably hundreds. It kind of feels out of a sci fi movie occasionally with how swift and convenient it is. I also dislike the general concept of credit, and I’ve heard too many a cautionary tale to be using credit for things that I can’t buy with cash or debit. This has led to a history of little credit usage, which unfortunately with capitalism makes it difficult to get things like low rate mortgages or other credit cards with plenty of rewards for specific things. This means that Extra is perfect for building credit history for the frugal. Unfortunately, I’m not too sure of the rewards points system and how it stacks up versus using debit cards with cash back. I have a debit card I primarily use for large purchases because it offers decent cash back and other discounts on businesses. I use my Extra card primarily for recurring purchases so that I don’t expect the cost to change much. The rewards system might be worth taking another look at, but could maybe also use improvement to make Extra more enticing than other cards with rewards. I might use it more! All that being said, the app and the card get a 5/5 from me.

first of all, just wanna say they have the BEST support system i have ever had the experience of talking to based on a company. they really do make it so much easier. this really does help me out when building my credit. the app itself has a few bugs when it comes to the rewards page but the member concierge are absolutely helpful for getting anything fixed or even to check on anything. i love their support team. i'm young and this is all so confusing and new to me. credit scared me and the fact that credit is the basis of this economy to have a "nice" life, frustrated me. i'm an adult now and starting my life. i wish i had tried harder to understand it, but this Extra Card has already made me lose my doubt about screwing up and being in debt. i love this company, and this card. i would love this even more so if the spend power was closer to your actual account balance. having a bit of trouble managing all the bills i have that keep getting declined because my spend power is $2 less than a bill. ticks me off but that's just because i'm broke. 😭🤚🏽 all in all, this company and their mission really do fit with us not rich folks. that's more than i can say for a lot of these credit cards. thanks Extra.

From the moment I read their business model, I knew this card would work. And it didn’t take long for me to realize that I was right. I’ve been using my Extra Card for only 3 weeks (app only, card is in mail), the first transaction report has already been filed and my credit has shot up 51 points! I understand the reasons to be skeptical, I considered them all before allowing Extra access to my bank account. But this is the real deal, guys. everything has been great so far. The app is easy to navigate, you’ll like the interface, everything is in big lettering, easy to understand and operate. SO SIMPLE. It sends little reminders for things like balance alerts, spend power increases, and, if you’re like me, accidentally leaving your card on FREEZE (another cool feature of the Extra Card is an on/off “freeze card” option found in the app), the support staff are very friendly and helpful, there is a messaging service in the app, it connects you to them pretty quickly and they work FAST to resolve any issue that may come up. If your goal is to build credit, give this a try. For me, I pretty much had nothing to lose, which means everything to gain! Thank you, Extra Card, you guys are great!