Self

They have the worst customer service, please don't call on the weekend because no one can actually help you with anything they all have limited access meaning you would have to wait till Monday if you have a problem with a transaction made on your account...

So I had 3 transactions that was made for 450.30 it didn't list a name or where it was going to but customer service couldn't see it, and couldn't help further but to give you a number you cant use until Monday...

You cancel your card they can't send you out a new one, they will give you another number to call again that department isn't open until Monday

Keep in mind they can't transfer you over to any departments on the weekend...

I have 7 other credit cards and on any given day of the week they all can help me with all my needs...

If think your card been comprised on a weekend be prepaid to have to make another call on a week day when you probably at work trying to earn some money to pay the money on this card...

All the other major credit cards companies have secured cards if you want to use self builder account which is great but your better rolling your money over to a more establish credit card company

If u are not prepared to do their program, signing up with self will screw up your credit. They will close your account for non-activity and then they will report it to all three credit companies.

Absolutely the worst. I never used their credit card and they reported a late balance to the credit bureaus. Completely screwed me over. I was never contacted before they reported.

They make it seem like your paying towards a loan you get once paid off but honestly the loan is the credit card they give you and just keeps moving the money over with the increases on the card they don't make it seem like it but that's what it really is your loan is the credit card they give with you paying fees to them so once paid in full don't expect to get the amount of the loan you choose if you have a balance on the card, it's a ripoff to me I'm sorry I let myself do this for 2 years, so you are paying them interest even if you card balance is 0 on your card your paying more and they are making money this was a crock of DO NOT USE SELF! Warning

I opened up a self credit builder account to build my credit & save some money. They opened up a "loan" which I now had to make payments on. The "loan" never did really exist & I couldn't touch it until I had submitted enough payments. THEN and only then could I open up a credit card attached to the loan. I could switch my accumulated payment amount to the credit card if I needed money. Of course there is a fee!
So they charged me for my credit builder account THEN when I switched over funds they charged me on the credit card. So they're double charging me and on my money!
I got tired of this nonsense. My credit score went down considerably and has never recovered!
I finally closed both accounts. They took whatever they needed from my payments to justify what was owed on both accounts & sent me the difference. Imagine my surprise when they sent me a bill a month later stating I still owed them $8.16! This was last November.
I let this slide until today (May) and called them up on it. The last informed me I owed them over $33.00! How does it go from $8. To $33. In just a few months? "Well we have interest and fees" she said "and you didn't pay your balance". "They took it out & sent me the difference".I said.
It's obvious they're scamming people.
STAY AWAY!

Firstly, when you pay off your loan, get ready for your credit score to DRRRROOPPP. Then, god forbid you use their credit card, which is secured with your own money/deposit and you try to close it. They'll make SURE you have a "balance" left (of their own fees) and then keep adding interesting and late fees when you refuse to GIFT them money. They harass and threaten to report you to the bureaus, thereby doing the exact OPPOSITE of what this company supposedly aims to do. For $40 of their own fees, they are threatening, and relentless in their thievery. Save yourself the headache and DONT SIGN UP

So I signed up in June 2021 for the credit builder account. I missed about 2 payments due to things changing in the year. Being late I paid a little extra for late fees. I payed $25 every month up until June 2023. I never signed up for their secured card for whatever reasons I already had secured cards. So I didnt need theirs. So I completed my term 6/18/23 they told me that my deposit will be sent to me a certain day after my account was closed. Because I was complete It was exactly two weeks from my complete date. Today June 30,2023 I recieved my payout for $521.00 into my account. As far as my credit score I really wasnt monitoring it. I just know it was going up and down due to other non related accounts. This payout came right on time. This will help me add to the deposit to move into my new apartment next week. Whoop, whoop! Will I use Self again? Yes and this time I will set my husband up. I was not offered any incentive or payment for this review this is a real person with a real review

I canceled my account and it's been two weeks and my payment still has not been processed and after processed I have to wait another 10-14 days to recieve

I enjoyed using this card it really helped me credit score Go up I'm able to buy a house now and I finished paying off my card so now I get a refund of 500

Do not trust this company. For one, I have made all of my damn payments on time 1st of all. After they submitted a fraudulent a$$ hard credit inquiry on my report that I didn't have a clue about, I was informed by a client to close my account; I did! Only for me to spend countless hours submitting the same verification documents that they "allegedly " can't find by the " Administration system ". My f$$$n same social I was born with they claim they can't find. Now they're refusing to pay out my damn money. If this isn't the most fraudulent a$$ s$$t I've even seen.

Don't believe the deceit of these fake reviews that claim, oh they're great and my credit score increased! It's all BS. You'll never speak to an American agent, they'll continue lying and transferring you. Listen I'm not the guy for writing lies because I'm pist. I'm sending a warning don't fck with Self. It's a perfect damn scam at its finest. It's only $516 they I paid. Pennie's but it's sure principle. How in the hell you can mysteriously find my information after of year of my damn money paid into your business. Fraudulent disgusting damn roaches. I've contacted my families attorney, it's sad that America has fallen to allow such scum as this take peoples damn money. I'm telling you now, don't FCk with these foreign scum. Absolutely distasteful and high fckn pist that they simply think they can just take my money and the. Say they can't tell me when I'll get my gd payout. Don't trust these Fckrs! And this message I will continue to expose and repost until they up my money.

I stared using this as a savings account. I reached the amount I wanted to get I was tempted to just pull the money out but they keep sending me messages to get the self credit card so I can improve my credit score. I don't have bad credit I just don't have credit built yet, so I said why not. I used the card without issues, one night I was carjacked and they stole everything including this credit card I called them to cancel my card righ away. There is no one working after hours in the event this happens other banks have people working throughout the late hours in the event you lose you card self does not. I emailed them and called them the hold times are very long. I decided this is not a secure card and not for me. I closed out my account I asked for them to deposit the money into my account since it was linked to the self account that is how they would take out most of my payments. They said they couldn't do that, so they mailed me a check. The check bounced because self put a stop payment on the check I have been attempting to figure out why this happened and I am being told it's being looked into. It's been days and I have no update. This card is not worth the hassle.

I'm all about finding fun ways to raise my credit score since I've been on the journey of preparing to buy my first home. I found SELF and thought it was interesting. I knew there would be fees and told myself "it's an investment in my future and well worth it" but it got to the point where I felt I was being taken advantage of. There are steps you have to take to be eligible for the credit builder card before you can get it (3 on time payments, atleast 100$ in account) they take a decent chunk of each months payment for the fee and I was 6$ short of the 100 I needed so I added an extra 10$ to the account after my monthly payment so I assumed (I know, that's on me) I wouldn't be charged the whole fee. They took 8 out of 10$ for the fee and I was only given 2$ towards my account. INSANE. I canceled my account and they charged me more interest and fees on top of it after telling me I wouldn't be charged. In my opinion, not worth it because 1. THeyre not up front about ALL the fees and 2. They think they can take advantage of us so they can make money off us. Beware and do all your research before opening an account.

This company is trying to keep my refund. My accounts have been closed, and I am due for a refund. On May 25,2022, I received an email that my account matured in the amount of $539.54. However, $84.68 was deposited into my account on June 13,2022, and $450.00 was transferred to my credit card account as a security deposit. For nine months my account did not require a security deposit and now the company wanted to keep my money. I immediately paid my credit balance in full which I had a credit due and on June 20,2022, $357.89 was deposited. The total that was deposited was $442.57. The company still owes me $96.97 and $78.18 credit that I overpaid on my credit card. I have sent several emails and nothing. My next step, I will dispute the matter with CHASE and the MATTER WILL GET SOLVE! I am disabled and this company will NOT be scammed and get away with this. PLEASE STAY AWAY! I WAS A FAITHFUL CUSTOMER, and this is the thanks I GET. HORRIBLE HORRIBLE! IF I CAN GIVE THEM NO STARS, I would! Please read all the reviews if all the reviews are saying the same things then it must be true? Stay away! I am going to make it my mission to post on every search engine to warn potential customers.