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Upgrade Review

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Reviews 34,311

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
Mar. 16, 20224 min read

Upgrade summary

Upgrade is a San Francisco-based online bank founded in 2017. It offers a checking account, credit cards, personal loans, and a credit monitoring and education center. Upgrade’s Rewards Checking account offers 2% cash back on certain types of purchases made with your debit card up to $500 per year, plus 1% cash back on all other purchases. The Rewards Checking account has no account fees, no minimum balance requirement, and no ATM fees.

Pros

  • No account or ATM fees
  • Up to 2% cash back on debit card purchases
  • No minimum deposit required

Cons

  • Doesn’t offer a savings account
  • Limited online accounting dashboard
Upgradeat a glance
4.6

Editorial score

Fees?

No fees at all

5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

5.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team

4.0

Online experience

User friendly site with full online banking capabilities

4.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

5.0

Upgrade Upgrade Visit Upgrade

Advantages Over Traditional Banks

The Upgrade Rewards Checking account is completely fee-free and there’s no minimum deposit required to open an account. You won’t pay monthly account fees, ATM fees, transfer fees, or even overdraft fees.

In addition, the Rewards Checking account offers cash back on every purchase you make using your Visa debit card. You’ll receive 2% back on purchases made at convenience stores, drug stores, gas stations, and restaurants. You’ll also get 2% back for many monthly subscriptions and utilities.

The 2% cash back offer is limited to $500 per year in certain categories, after which you’ll receive 1% back. All other purchases also receive 1% cash back. 

Another benefit of the Rewards Checking account is that existing account holders can receive up to a 20% discount on the interest rate for a new personal loan or credit card through Upgrade.

Cutting-Edge Banking Services

Upgrade offers a browser-based dashboard as well as mobile apps for iOS and Android to manage your Rewards Checking account. The online dashboard enables you to tag transactions, make fee-free transfers, and automatically pay your bills online. However, it doesn’t enable you to integrate accounts from other banks, and there aren’t many tools for monitoring your spending over time.

Upgrade also has an online credit monitoring and education center. You can monitor your credit score for free and get weekly updates on any changes. You can also sign up for email alerts to find out if your score is changing and quickly identify potential fraud.

Traditional Banking Services

Upgrade offers personal loans and credit cards in addition to the Rewards Checking account. The company’s 4 credit cards are all free of annual fees and offer up to 3% in cash back on select purchases. One credit card offers unlimited 1.5% cash back in Bitcoin on every purchase.

Importantly, Upgrade does not have any physical branches or in-network ATMs. Upgrade does not charge ATM fees, but you may be charged a fee by the bank that owns any ATM you use.

Interest Rates and Fees

Upgrade’s Rewards Checking account offers cash back on debit card purchases rather than interest. You’ll earn 2% cash back up to $500 per year on convenience store, drug store, gas station, restaurant, subscription, and utilities purchases. You’ll earn 1% cash back on all other purchases.

The Rewards Checking account doesn’t require a minimum account balance and doesn’t charge any monthly fees. There are also no ATM, transfer, or overdraft fees.

Account Fee
Minimum Balance
ATM Fee
Overdraft Fee
None
None
None
None

Customer Service and Online Experience

Upgrade offers customer support by phone and email. You can get in touch from 6AM-6PM (PT) Monday-Friday and from 6AM-5PM Saturday-Sunday. There’s also a detailed online knowledge base where you can find out more about how to use your Rewards Checking dashboard and Upgrade’s other products.

 Upgrade’s online dashboard is easy to use. You can see a list of all your transactions and tag them for organization. You can also see your current cash back balance. A bill pay center enables you to set up automatic payments for utilities, credit cards, loans, and other recurring bills.

 Upgrade has a 4.7-star rating on Trustpilot, with more than 25,000 reviews, and an A+ rating with the Better Business Bureau.

Mobile App

Upgrade has a free mobile app for iOS and Android devices. The mobile app offers much of the same functionality of the online dashboard, including the ability to track transactions and set up automatic bill pay. You can also lock your debit card if it’s ever lost or stolen.

The Upgrade Visa debit card is compatible with both Google Pay and Apple Pay.

 Security

Upgrade secures your account with SSL and 256-bit AES encryption. The Rewards Checking account is insured by the FDIC up to $250,000. You can also sign up for credit monitoring and email alerts through Upgrade to quickly detect potential fraud in your account.

 Summary

Upgrade is an online bank that offers a checking account, personal loans, and annual fee-free credit cards. The Upgrade Rewards Checking account offers up to 2% cash back on everyday purchases up to $500 per year and 1% cash back on all other purchases. There are no account fees, no ATM fees, and no overdraft fees, and you’re not required to keep a minimum balance in your account. You can manage your transactions through an online dashboard or the Upgrade mobile app for iOS and Android.

Methodology

This review was created using information from the Upgrade website, Trustpilot, and the Better Business Bureau.

Upgrade Upgrade Visit Upgrade

Disclaimer

Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA ® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Upgrade
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ExcellentReviews 34,311
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Trustpilot reviews

See what some costumers are saying about Upgrade
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ExcellentReviews 34,311
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Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
  • author
    Derrick Bailey
    Jan 01, 1970
    Helped me bring my credit score up

    Helped me bring my credit score up, I can talk to a real person when I have questions & they work fast when I apply for a loan

    ...

  • author
    M.D.Stallings
    Jan 01, 1970
    Great

    They are great to work with. The lady I spoke with was very helpful and professional on the phone.

    ...

  • author
    Norma
    Jan 01, 1970
    Upgrade has been the easiest to deal with. I highly recommend them.experience…

    Upgrade has been the easiest experience I've had when it comes to my finances. Everything is explained thoroughly, and you don't have to wait long to get an answer. They are professional and prompt.

    ...

  • author
    Julius Carter
    Jan 01, 1970
    Very convenient

    Very convenient and smooth process

    ...

  • author
    Mary Andrade
    Jan 01, 1970
    Very helpful

    Very helpful

    ...

  • author
    B LUANGSRINHOTHA
    Jan 01, 1970
    Very good service

    Very good service

    ...

  • author
    Dianne Good
    Jan 01, 1970
    quick and easy

    The process was quick and easy and payments were made qickly.

    ...

  • author
    Frank Isola
    Jan 01, 1970
    Very easy and friendly

    Very easy and friendly

    ...

  • author
    Sam
    Jan 01, 1970
    Quick and experienced

    The whole process was fast and easy

    ...

  • author
    SANDRA GONZALES
    Jan 01, 1970
    Great

    Great experience, helpful and clear understanding

    ...

  • author
    Tracey Lane
    Jan 01, 1970
    Persona Loan

    Upgrade is a great company!! They assisted me with a personal loan & the process was completed within a couple of days!! The customer service was great & I was well informed with every step.

    ...

  • author
    anthony Santiago
    Jan 01, 1970
    I recieved the amount I needed and…

    I recieved the amount I needed and everything worked out thank u upgrade

    ...

  • author
    Jack
    Jan 01, 1970
    It was a very easy process.

    It was a very easy process.

    ...

  • author
    Marvin Barrios
    Jan 01, 1970
    The best

    Very good experience they deposited the money one day after the aproval

    ...

  • author
    Adrian Robinson
    Jan 01, 1970
    Great Line of Credit

    I was excited to receive a line of credit with a 5,000 limit available with a quick approval and ready for use.

    ...

  • author
    Tom Squires
    Jan 01, 1970
    I'm trying to rebuild my credit and…

    I'm trying to rebuild my credit and Upstart was kind enough to offer me a credit line. Thank you Upstar.

    ...

  • author
    Lila Brown
    Jan 01, 1970
    From start to finish this process was…

    From start to finish this process was streamless and speaking with Steven was my absolute pleasure

    ...

  • author
    Allan Lewis
    Jan 01, 1970
    Process was very easy to navigate

    Process was very easy to navigate. Customer service was knowledgeable and courteous.

    ...

  • author
    Marisol Santana
    Jan 01, 1970
    I was amazed on how fast and quick this…

    I was amazed on how fast and quick this process went. I can now pay all bills and just have one payment a month. Thank you

    ...

  • author
    Gayle Veanueva
    Jan 01, 1970
    Have not received paperwork yet or…

    Have not received paperwork yet or amounts of payment or loan

    ...

  • author
    Michael Vigliotti
    Jan 01, 1970
    This company should be called down grade

    All you fools that gave a 5 star with this company are probably to blind to see how bad and incompetent they really are. This company sucks and the BBB should take them off there list of companies. They should be called down grade instead of up your ass grade. Because that's what they did to me. They know what happen but cant fix there stupidity and incompetence.

    ...

  • author
    Donna Jenkins
    Jan 01, 1970
    Easy application

    Easy application, but did not answer all the questions I had.

    ...

  • author
    M. Cannon
    Jan 01, 1970
    Upgrade made the process so easy

    Upgrade made the process so easy. Between the app and online uploading documents was easy. The communication and explanation of what is needed was done professionally and efficiently making it Seemless.

    ...

  • author
    GARY WATERS
    Jan 01, 1970
    Easy

    Easy, convenient, and fast response to receive your desired results. Appreciate the experience.

    ...

  • author
    James Withrow
    Jan 01, 1970
    Easy and fast acceptance.

    Easy and fast acceptance.

    ...

  • author
    cynthia ortiz
    Jan 01, 1970
    I applied for a loan with upgrade much…

    I applied for a loan with upgrade much to my surprise I was approve to pay off 3 credit cards.. then they approved me for additional $1,000 this was an easy process they deduct the money right from your acct no problems I recommend them very highly

    ...

  • author
    Lauren
    Jan 01, 1970
    Easiest Ever

    Getting loans, especially sizeable ones, is an excruciating process. Usually. Not this time. I'm not sure how they do it, but I wasn't asked for any proof of income or assets or other debts, for that matter. Getting a loan from Upgrade was one of the quickest, easiest, and most problem-free things I've ever done. Everything was completely transparent, and I easily understood everything about the loan. I don't know what else to say.

    ...

  • author
    Dennis Scott
    Jan 01, 1970
    The application process was easy to…

    The application process was easy to follow and understand. When I called with questions regarding the terms the agent was very courteous, polite and knowledgeable. For me the entire process was great!

    ...

  • author
    DARON TUTT
    Jan 01, 1970
    Well i never been realy big on words…

    Well i never been realy big on words but these guy and girl at upgrade came threw for me.they listed to my request studyed my profile and found ways to help and am greatful thanks upgrade

    ...

  • author
    Linda Griego
    Jan 01, 1970
    Great Card

    The application process was easy and I had a very quick response. My questions were answered promptly and professionally.

    ...

  • author
    STEVE BOND
    Jan 01, 1970
    Applying was a breeze as was using my…

    Applying was a breeze as was using my virtual card. The only problem I have is sending money to my every day account

    ...

  • author
    Nina Glover
    Jan 01, 1970
    So far so good

    So far so good. I love the credit monitoring.

    ...

  • author
    B.Smith
    Jan 01, 1970
    Fast and Friendly

    Very quick response and friendly customer service people.

    ...

  • author
    john womack
    Jan 01, 1970
    Was trying to figure out which loan I…

    Was trying to figure out which loan I needed or wanted,everything went well and I got the right loan for me

    ...

  • author
    GREGORY
    Jan 01, 1970
    Simple and and easy to use

    Simple and and easy to use

    ...

  • author
    Rob Stumpf
    Jan 01, 1970
    Idk ?

    I once saw a squirrel and his name was nuts. I threw a ball at him knocked him numb. He then became numb nuts. It was kinda funny. Hope you have a nutty day. We don’t moderate or censor reviews before they’re posted because we trust that the majority of our users have good intentions. But publishing a review online means it’s public. Therefore, the same kinds of rules apply to customer reviews as to any kind of published opinion. Freedom of speech gives you the right to express yourself, but there’s a line between appropriate and inappropriate. At the extreme end, the law prohibits defamatory statements. This includes accusatory statements that are untrue or not yet proven to be true.

    ...

  • author
    Steve
    Jan 01, 1970
    Very simple

    Very easy online process. Recieved our funds quickly.

    ...

  • author
    Victoria Powell
    Jan 01, 1970
    although I have not use the card or…

    although I have not use the card or have receive the card thank you for the experience of filling out the application was easy.

    ...

  • author
    GLENNA WILSON
    Jan 01, 1970
    Appreciated the prompt response.

    Appreciated the prompt response.

    ...

  • author
    ETHA SANDERS
    Jan 01, 1970
    satisfaction of service

    Everything was easy and quick responses.

    ...

  • author
    Brenda Small
    Jan 01, 1970
    So far I have not have to hold on the…

    So far I have not have to hold on the line for a long period of time. I like that I can speak to someone in less than 5 minutes. At each time I call, I was given the information that I needed to solve my problem. Also, everyone whom I had the pleasure of working spoke clearly and concisely, making my conversation easy to understand. Thank you for giving me the opportunity to let you know about my great customer service that I have received.

    ...

  • author
    K.C.
    Jan 01, 1970
    I took a chance on applying for this…

    I took a chance on applying for this credit line based on recommendations from Credit Karma. I was happy that I was approved. I have 2 other accounts from Upgrade. This product will give you a credit mix. You are able to make a cash withdrawal and also use it as a credit card.

    ...

  • author
    James
    Jan 01, 1970
    Very easy to use thank you for your…

    Very easy to use thank you for your business

    ...

  • author
    TRINA MORGAN
    Jan 01, 1970
    No problems

    No problems. I appreciate that the reps speak plain English and that they seem to sincerely want to help

    ...

  • author
    Ortega
    Jan 01, 1970
    Best Personal Loan service out there.

    Loan process was very simple and quick. I received my loan quickly and took care of what I had to right away. I would definitely recommend Upgrade to others for their financial needs.

    ...

  • author
    Peter
    Jan 01, 1970
    Good company that helps you out if you…

    Good company that helps you out if you want to rebuild credit.

    ...

  • author
    KENNETH BURTON
    Jan 01, 1970
    Thank you

    I have found your company to be very helpful and I am very appreciative! Thank you

    ...

  • author
    Steven Morgan
    Jan 01, 1970
    I haven’t had the card long

    I haven’t had the card long , but I see the other reviews was good .. so I’m looking forward to seeing what I’m Store for me .

    ...

  • author
    Tammie J Starks Boyd
    Jan 01, 1970
    Easy and quick website

    Easy and quick website

    ...

  • author
    Mary Cain
    Jan 01, 1970
    Upgrade Came N Help Me N

    Upgrade Came N Help Me N My Need Of Time When My Vehicle Went Down Thank U For Your Service 💞🙏🏾

    ...

  • author
    Trudy Tool
    Jan 01, 1970
    I had some questions regarding my new account

    I had some questions regarding my new account, and the representative was friendly, knowledgeable and answered all my questions in a positive, upbeat manner. I appreciated the great customer service.

    ...

  • author
    Polo
    Jan 01, 1970
    Easy to Apply

    The whole process is quick. There are some improvements that the website could use, but in general it's easy and painless.

    ...

  • author
    Rani Torres
    Jan 01, 1970
    Easy to sign up

    Easy to sign up. Funded checking account but after about 4 business days, funds are still not in available balance though they show in current balance. App seems to have alot of technical problems. Can't really access anything.

    ...

  • author
    Christi
    Jan 01, 1970
    Quick & Easy Process…

    By far the quickest and easiest experience for getting a loan/line of credit. I received a pre approval letter from Upgrade, decided to check out their offer, and within minutes we were done and my card was on its way. I didn’t even have to call anyone or wait on hold!

    ...

  • author
    Sean Stacy
    Jan 01, 1970
    Is was an easy process with a quick…

    Is was an easy process with a quick response time! Very helpful!

    ...

  • author
    Shelia
    Jan 01, 1970
    I have tried unsuccessfully at least 10…

    I have tried unsuccessfully at least 10 times to sign into my account and an am unable to do so this seems like it's so complicated all I try to do is sign into my account tells me my password's wrong and then I need to verification code but when I get out of that screen to go get the verification code from my email and go back to put in verification code it goes right back to from the beginning again it's ridiculous I am very unhappy that I cannot get into an account of which I was approved for so the funds will just be canceled

    ...

  • author
    Anthony Ratti
    Jan 01, 1970
    Rate is great!

    Quick, easy, professional, great rate!! Thank you!!

    ...

  • author
    charles fink
    Jan 01, 1970
    Everything was fast and easy

    Everything was fast and easy. Fee was high but Everything was great.

    ...

  • author
    LAWRENCE WILSON
    Jan 01, 1970
    I've only had a great experience with…

    I've only had a great experience with upgrade. I will recommend them to everyone I know. Thank you for basically giving me my life back!

    ...

  • author
    Stephen Martinez
    Jan 01, 1970
    Upgrade rocks

    Overall easy and quick experience I thank you graciously

    ...

  • author
    Dorothy Lovett
    Jan 01, 1970
    I applied for the Upgrade card last…

    I applied for the Upgrade card last week and was received a email advising me that, not only was my application was successful but that I may use the credit before the actual card was received. Unbelievable!

    ...

  • author
    Michelle
    Jan 01, 1970
    Quick

    Quick. Easy and affordable pay back terms

    ...

  • author
    Michael Wiechert
    Jan 01, 1970
    Quick and fast.

    Quick and fast.

    ...

  • author
    leevoied lawson
    Jan 01, 1970
    A sinking ship

    I needed a loan. After trying a couple times I thought I was outta luck trying to pin one down. Upgrade came through for me when others wouldn't. The process was simple and easy to understand. Thank you Upgrade, I appreciate you very much for helping me when I needed it most.

    ...

  • author
    LATONYA MADDOX
    Jan 01, 1970
    Great company

    Great company! Willing to help when in need and approval is fast and easy. Great customer service.

    ...

  • author
    Karen Pierce
    Jan 01, 1970
    easy to use

    easy to use, great customer service

    ...

  • author
    WILLEAN JONES
    Jan 01, 1970
    I have not used it yet.

    I have not used it yet.

    ...

  • author
    Deedee
    Jan 01, 1970
    Thumbs up

    Thumbs up ! For Upgrade, they really came through for me when I needed them. Quick and easy no hassle whatsoever! DH

    ...

  • author
    Rita Gutierrez
    Jan 01, 1970
    I recently applied for a small loan…

    I recently applied for a small loan based on recommendations from Credit Karma. The process from Upgrade was simple. There was a step by step guidance, the approval was very quick, paperwork was handled efficiently and promptly and the funds were distributed within 2 days. I would highly recommend.

    ...

  • author
    minnie jefferson
    Jan 01, 1970
    I am please and happy how fast and…

    I am please and happy how fast and timely manner I was approved I was

    ...

  • author
    Janet Hankamer
    Jan 01, 1970
    Very convenient web page

    Very convenient web page. Was able to get what i need all on my computer Janet Hankamer

    ...

  • author
    isaiah johnson
    Jan 01, 1970
    Not sure how to review just yet

    Not sure how to review this just yet I haven't received or used my card yet. However it was quick and easy to sign up. For some reason it's system tried to get me a personal loan that I didn't ask for and after getting denied the loan it has been trying to get me to try again on a daily.

    ...

  • author
    Richard Demers
    Jan 01, 1970
    Fast

    Fast, Fair, Dependable Service,

    ...

  • author
    Albert Davenport
    Jan 01, 1970
    I had a great experience

    I had a great experience, it was easy and quick results. I wish all experiences were just as great.

    ...

  • author
    Anthony Cuccia
    3 days ago
    Great Service on helping me through the Application Process.

    Great Service on helping me through the Application Process all the way through the Approval. Thank you again for the Professionalism along with your Staff.

    ...

  • author
    CRAIG SPENCER
    3 days ago
    Making it through the beginning

    I’m not good with computers I’m still in the learning stage.so to have someone from upgrade to reach out to me to make the process easier ,I appreciate you

    ...

  • author
    Ricky Garcia
    3 days ago
    Fast set up, good customer svc

    Fast set up, fast set up.

    ...

  • author
    PAMELA SINGLETON
    3 days ago
    It's been great so far

    It's been great so far. I was able to pay down credit cards and hold them steady. I would recommend upgrade to all my friends.

    ...

  • author
    Anthony Barnes
    3 days ago
    Excellent concept and is saving me over…

    Excellent concept and is saving me over $200 per month by refinancing a installment account. Thank you upgrade team.

    ...

  • author
    michael solerto
    3 days ago
    Very professional,helpful

    Very professional,helpful. Easy process, .

    ...

  • author
    greg beck
    3 days ago
    Im a new customer and I must say I'm…

    Im a new customer and I must say I'm well pleased thus far.

    ...

  • author
    Daniel Uzcategui
    3 days ago
    It was a nice experience but they take…

    It was a nice experience but they take to long to do things and go back and forth with the same problem

    ...

  • author
    John
    3 days ago
    The application process was very easy

    The application process was very easy to complete, customer service was great

    ...

  • author
    Leah Goldacker
    3 days ago
    Best card ever

    This is the easiest credit card o have ever worked with.

    ...

  • author
    F-alan
    3 days ago
    So far so good

    So far so good. Approval was quick and easy. I like the fact that they make a virtual card available for immediate use.

    ...

  • author
    Martin Baltierrez
    3 days ago
    I needed cash fast

    I needed cash fast and I didn’t know how to do a transfer so I called customer service. The young lady that answered walked me through it step-by-step and within 48 hrs I had the cash. It was great!

    ...

  • author
    Santa Claus
    3 days ago
    The agents made this very easy to…

    The agents made this very easy to do.... It so far has been a great experience.

    ...

  • author
    DEBBIE WILLIAMS
    3 days ago
    Upgrade have help me thougtout my most…

    Upgrade have help throughout my most difficult time to catch up on things I need to take care of I will keep my payment current and and time cause I very much appreciate them for always being there for me they like my guardian angels if they can't help me with loan the work out another wait to help me thank you upgrade from the bottom of my heart may God continually be upon you business 🙏

    ...

  • author
    Tom Petrovick
    3 days ago
    Painless and pleasurable

    Painless and pleasurable, all the people were very nice

    ...

  • author
    James Mullins
    3 days ago
    I have not received my card as if this…

    I have not received my card as if this survey

    ...

  • author
    KELLY WAGNER
    3 days ago
    Great and friendly and fast service

    Great and friendly and fast service ! I’m glad I’m a upgrade customer! Thank you upgrade

    ...

  • author
    Amanda Barreras
    3 days ago
    This is the best decision I have ever…

    This is the best decision I have ever made in the time of need!

    ...

  • author
    Harriet
    3 days ago
    Good customer service Ier customer ple with the process of…

    I am very pleased with the process of reviewing my loan and line of credit. Very thorough and processed quickly

    ...

  • author
    Casey Lane
    3 days ago
    Representive was friendly and helpful

    Representive was friendly and helpful. Application process was very easy.

    ...

  • author
    Tamara Miller
    3 days ago
    Upgrade is an amazing credit card.

    Upgrade is an amazing credit card.

    ...

  • author
    customer
    3 days ago
    Great customer service and enjoyed the…

    Great customer service and enjoyed the hospitality

    ...

  • author
    Keith - San Pedro, CA
    3 days ago
    You guys,we're great filled out on …

    You guys,we're great filled out on line credit approved same day, got funds 3 days, excellent process not hard fill out info keep up good work

    ...

  • author
    Bethany Monhead
    3 days ago
    This was easy to use and very quick.

    This was easy to use and very quick.

    ...

  • author
    Angel R Diaz
    3 days ago
    Excelente

    Excellent service

    ...

  • author
    Brion Ciccone
    3 days ago
    Im absolutely fine with Upgrade but am…

    Im absolutely fine with Upgrade but am totally surprised and dismayed by the need for 2 hard hits on my account by Upgrade. I had even funded my card account prior to even receiving a card. I still haven’t received the card I funded days ago. Somewhat gun shy since my application and actions have all been in good faith. I had written a number of times clearly showing my desire to earn my credibility back since I had become disabled due to no fault of mine. I’m just a lil upset with Upgrade today for that action I can’t find any reason for 2 hard hits. If I’d have known I would not have funded the account with $100.00 prior to receiving a card. But I had received a message from Upgrade to fund the account. Originally I had entered the cvc wrong by a digit. The wrong small buttons are so easy to hit at my age. Thank you all very much. I believe the correct action would be to admit a mistake was made and have it removed from my credit bureaus.

    ...

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