App Reservecreditcard Reviews 

After three months, received my card. Tried to activate only to see my account doesn’t exist… total scam. Reporting to BBB

If I could give zero or negative stars, I would. They take your application fee and a program fee and hope you forget. Once you start calling them on their scam, they start blocking and stonewalling you. I had to threaten to get legal counsel and involve the BBB and FBI Scam reporting to get an answer. They are still holding my money. If I don't receive a check within the promised time, I'm looking at a class action lawsuit. I most sincerely hope no one ever tries to get a line of credit with them.

Scam!!!!! Take your money and then you can’t activate the card and it will take 30 days to get a check I’m calling the bbb!

If I could give zero stars I would. Do not give your money to these people. They are a fraud. I was approved paid 95 in fees 3 months later no card sent. Many calls to customer service and them lying to me saying they were just behind. I finally said if I didn't have my card this week I wanted a refund was promised it would be sent this week. I get on there today and checked the status and it said unable to approve my card... Mind you I was already approved and paid fees. They said I would get a refund by check after a 30 days before they send the actual check. They refused to refund me back onto the original payment method was usually takes 5 to 7 days. I tried to talk to supervisors never could get a hold of anyone All I kept hearing was in this case in this case in this case over and over again from the poor guy who probably didn't even know what to say. This company is a fraud. If you do get a card from them I don't know how that works cuz I never got that far. Please don't use this company I am on a fixed income I'm disabled and they still took advantage of me they did not care so why it takes 30 days before they even mail the check I don't even know It's ridiculous It makes no sense I'm calling a lawyer to ask them about this this company needs to be shut down.

Applied, paid fees, received card in mail. When I try to activate it, it says my account can't be found. I try emailing the support email and it gets bounced back to me as undeliverable became the email address "does not exist"...what the hell do I do now?

Horrible experience. This is a complete SCAM. Paid the activation fees waited 2 months for the card. Took another month to activate the card. Tried to use it and it wouldn't work. Called and was told my application was declined and would get a refund of fees. This company should be investigated and shut down.

DO NOT SIGN UP. Filled out the application, paid all fees, then waited a month with no card. Called customer service and was told my card was on a list to be shipped out within a week. Log in to see a message saying they were not able to activate my account so they are sending me a check in the mail that will take 31 days to get here. Scum of a company.

This company took my.money for set up and program fee cost. Told me I was being impatient while waiting for my card. They then said I was no longer eligible but said they would have send me a check for the 95 bucks I spent. I guess because I kept chatting and calling them.

Over 2 months ago they took my money and never received a card I a. Filing a police report and my bank has been contacted as well not playing any mire

⭐☆☆☆☆ (1 Star)

I would strongly caution anyone considering applying for the Reserve by DirectCard credit card.

I applied for this card on April 29 after being approved. Like anyone else, I expected to receive my card within a reasonable amount of time. Instead, I spent over two months waiting while my account continued to show that my application was “being processed.”

During that entire time:

* I never received the credit card.
* I never received any meaningful updates.
* There was no explanation for the delay.
* Customer service never resolved the issue.
* My application remained in limbo for months.

Then, without warning, I logged into my account and saw a message stating that they were unable to open and activate my account and would instead refund the $95 they charged me ($35 application fee and $60 program fee).

To make matters worse, they informed me that I now have to wait approximately another 30 days before they will even mail the refund check.

So let’s recap:

* They accepted my money immediately.
* They approved my application.
* They never mailed my credit card.
* They kept me waiting for months.
* They canceled everything without explanation.
* Now they’re making me wait even longer just to get my own money back.

After experiencing this, I searched online to see if anyone else had gone through the same thing. I was shocked to find numerous reviews describing almost the exact same experience—people being approved, paying the required fees, never receiving a card, waiting for months, and then eventually being told they would receive a refund instead.

That pattern is extremely concerning.

Consumers should not have to pay upfront fees only to spend months waiting for a card that never arrives. If a company cannot provide the product it promises, it should issue an immediate refund—not place customers on another waiting period.

This entire experience has been frustrating, disappointing, and a complete waste of time.

I cannot recommend this company to anyone. There are many legitimate credit card companies that do not require large upfront fees and actually deliver the cards they approve.

I hope my experience helps someone else avoid going through what I did.

Application Date: April 29
Card Received: Never
Fees Paid: $95 ($35 application fee + $60 program fee)
Current Status: Account canceled, refund pending after an additional 30-day hold.

My advice: Save yourself the frustration and look elsewhere. And report this company to the BBB..

Paod the fees, was accepted, waited 2 months for my card which never showed, then was told I wasnt accepted and that they would MAIL my check out to me for the fees I paid but that will take another month before its sent out! Horrible, horrible company!

This company is full of it. They when you fill out the application you are approved right away, but they want you to pay the fees upfront before they do anything else. They said that they would get back to me in 15 Calendar days. It’s been 14 days I log on and I couldn’t get into my account because they locked me out and they are giving me my $70 back saying that I was not approved but when I signed up, I was approved so they’re full of shit excuse as my French this company is bad news. They should not even be open the emails to helpdirectcard.com does not work. The phone number does not work so they’re scamming people they need to be shut down.

If i could I would write a o review this card is so fake I was approved. Paid the fees. Told have to wait 10 to 15 days they will mail my card out. I had called. To day July 5th 2026. I checked in wasn't approved and will get a check in the mail in 31 days after a safety hold. $70.00.I will let my bank know today about the fake card. Get my money today. I have 6 cards you always pay something. But approved is approved. I told believe all reviews all the time. But this is the second time I believe the reviews are 100% right. This is a fake card. DON'T DO IT

Applied, approved, paid the fee, now that was in march. Still no card. Went to log in and talk to customer service after they had been promising me the card was on the way and there was a mail delay, to a message saying. “We where unable to activate and open your account here is your fees, but we will mail them to you after a 30 day safety hold.

Applied, paid the dues and never received the card. It’s now over a month and I checked the website and it says they need to refund the dues. It stated I have to request a check and there is a 30 day holding period before they mail it out. Beware of this company.

Waited 2 months just to be told I wasn't approved after telling a long time ago I was already approved. They obviously used our money and/or gained interest on it they're scammers garbage company. Waited 2 months to be told they're going to refund my fee payment after another 30 days! What type of joke is this. Should be illegal

I paid my fees on May 20th. I have spoken to 2 different people the last was on Monday June 29th. And they said that they were mailing out my card this week. Went to check today and now they are saying that they could not approve me and that I had to wait 30 days to receive a check. I should have knew something was off the 1st time I spoke with someone and should’ve asked for a refund then. This company is bull shit and should be reported better business bureau.

Do not deal with this fake credit card company. Applied got approved paid 35 application fee and 60 program fee for a total of 95 dollars. Wouldn’t take my Bank of America card as payment had to use Cash App should have been first red flag . Then said get card in 5-10 business days no card reached out said they had a lot of applications so will be 10-14 business days never received card or mailing confirmation. Reached back out which is very hard to talk to or chat with a rep. Told me to wait until the Tuesday which was another 4 days. Reached out today in chat and they sent me a message saying they couldn’t open and activate my account they would refund my fees by check, but have to wait a short safety wait of 30 days then they will mail my 95.00 out in the form of a check . Why is there a safety hold when they received my money over 30 days ago. Now u gonna make me wait another 30 days to get my money. I will be filing a complaint. The company is fraudulent.

I wish their was a star for Zero. I applied for this card June 2. I paid a 35.00 fee and a 60.00 Fee. I was approved a limit of $300.00. I have not received my card. I have reached out to these people by email of course. They continue to say that the card is coming. I want my money back and something should be done about this. Who do I contact,

First and foremost shoutoutto Trustpilot for give consumers a place to voice our opinions and keep it 💯!!! (UPDATE) I did recieved several emails.
Lets back up this started way back in April this year and just like most of us they decieved everyone, lied to,
manipulated, scammed!! All the while these people, this company laughing at us clowns and to be honest I dont like to be a made a clown, fool or any other for that matter (back to that in a minute)
Started mid April was approved for $300.00 Credit limit, I paid the original $35.00 for " Processing Application, once I was "APPROVED " Only to be directed to pay another $60.00 for processing my card which i never paid then only to find out if I would of continued to the next page itnwould of stating that they will deduct $75.00 from my credit card to pay for the yearly fee. I have know been waiting almost 3 weeks now for a $35.00 refund which they say they have processed the refund. With all that being said I like to screw but I dont like getting screwed, now then this is just a suggestion this is what I have done as of today i have filed legal documents
1. Consumer Financial Protection
2. Federal Deposits Insurance
3. Office of the comptroller of currency
4. Federal Reserve Consumer Help
The document was very detailed from beginning to end I attached copies of all emails had it notarized and then I faxed or uploaded this document on there website. Here's the great part of this is I recieved a phone call from an attorney today and along with this attorney and myself say its time to put these people out of business for good he says that i have a great case to take this to court but what would even be better is a class action cival suite the more people who sign up the bigger the case and as far as im concerned its payback time!!!! That is what I have done and I am not backing down I know $35.00 is not a whole lot to most people, it is to me i recieve SSI & SSDI and that dont even meet my needs. Im taking my money back with interest