Arro: Credit Card & Cash Back

Absolute garbage. Literally zero support. The app stops after the first "lesson" ( which is a requirement to move towards an actual credit card). They have this "agent" called Artie but there's no message space. You can't ask any questions. I can't see the point of the $12 fee that I spent. I can't ask for a refund since they have zero communication possibilities. STAY AWAY!

Terrible! I was charged for interest on a 0.00 amount. They finally fixed it. I now have asked MULTIPLE times to close my account and no one will! Now I've been charged the annual fee when I have asked MANY times to close my account before the annual fee should have even been charged. No one will answer my emails. NOT WORTH IT GUYS! Capital One is a good choice to build credit and you can easily get ahold of them.

New issue. Do not trust autopay. I made a manual payment before the due date, and it was returned to my account for some reason. It didn't autopay, despite me having it enabled as a failsafe, and I now show a late payment, and lost my platinum status due to a system glitch.

This app sounds good but I couldn't even open it up to find out anything! To me, it's a waste of time and energy and they need to fix it, or take it down, NOW! You still on the same stuff of not fixing it! FAKE app!

This app is awful you guys need a website I hate mobile apps that don't work and then don't have another option to wait until you fix it. Also they might as well trash the AI it's literally completely useless and is super slow. it also now disconnects my bank and just loops trying to connect. The worst part is majority of the options and questions are just plain missing. They updated and it still is just as bad with no bug fixes. This app just continues to get worse daily. now it loops /won't co

great experience nothing but positive energy

This company is shady, I have tried closing my account for several weeks to no avail. No one responds to email and their phone number goes straight to vm. Be very cautious.

company is getting worse 1 payment away from platinum tier as of today they added 4 more items to complete to reach and removed all the others. you complete all task with no raises in credit limit for 4+ months waiting on updates is the excuse. the app is like a toddler made it no way to talk to real people just email or the ai they have in chat that doesn't help at all can't explain anything. they hurt your credit more than help reporting wrong credit limits.

it cost more to have than the credit it gave

I now have a new issue with my online account. I can't remember my password, no big deal, right? Wrong! I get the alert stating "verification code was sent to the phone number used in setting up the account". Updating my info is why I want in my account, I don't have that number anymore. I've sent an email about this twice & have yet to get a reply. That was well OVER a month ago! There's no other option such as "try another way" given. So, I give up. When this review is read, just close the acc

This is about the least logical business I've come across in some time. Like everyone, they have their little character Artie, I'm sure they pray to him everyday. There seems to be no way to ask a question beyond questions the website produces. I have such a simple question and I can't get it answered which I'm sure much to Artie's chagrin , I'll have to part ways. One little two second answer question I can't get answered. Boggles my mind how far we've come from walking into an actual building

slow and never follows thru with promises

Not allowing me to view the credit builder screen. Keeps saying something went wrong. Fix It!

Worst costumer service I have ever dealt with. No number to call and they never answer my emails. Been needing a new card since they flagged the old one and no answers 😪

not getting credit increases

its yet another joke app probably with employees saying its great just so you waste your time applying for something you WONT get

This is what was recently stated by another Arro Member. 👉🏾 Antonino Giuliano 7/21/26 The updates and bug fixes have been completed and my credit limit has been increased commensurate with what I have earned. I understand growing pains and I look forward to completing more lessons and goals to see my limit continue to increase. ***So now i know that this is purposely being done to certain account holders! Which is illegal... No more payments from me!***

great app

absolutely love love this app it really truly helps with your credit fast you'll see a change within a month

great app to learn about credit and try to build your own credit limit but they will crash your credit score as well. they keep reporting to the credit bureau that my credit limit was $23,700 instead of $237 then the next month take it away making it look like my credit limit was taken away from me for being irresponsible. this has happened multiple times. I tried to reach out to them about it and looks like it fell on deaf ears. get this card at your own risk.

The updates and bug fixes have been completed and my credit limit has been increased commensurate with what I have earned. I understand growing pains and I look forward to completing more lessons and goals to see my limit continue to increase.

hey arro If you're listening to this apparently I can't have the arro card due to something going wrong? so please fix this as soon as yall can but overall it's a great app

I had hopes for this company. I even gave them a chance after reading the negative reviews but now, I'm joining the negative reviews in warning others to stay away from this card. The lack of communication with anyone is horrible. They have " paused increases temporarily " has been going on for months, now. They report a very high balance to your credit report and then chsnge it another month, then did it again. getting ahold of anyone from customer service is impossible! Stay Away!!

I feel this app is a scam. Take a yearly subscription ninety.Something dollars you might as well call it a hundred would not let me change my date of birth. So I was never able to finish an application, and yeah, I was scammed out of a 100 bucks.

Usally crashes every time you make a payment. You can't use it anywhere 😕 no streaming so tik tok lives you cant use also for pay in four like klarna and afterpay etc cannot use. Gas stations even if you have the full amount available for example $300 you still have to get out of your car and pay in person and get this they usually lock your card for fraud for almost any purchase and to reach customer service all they have is a online chat which is not available 24/7 .. do not get

I love Arro but it just loads slow and always freezes, and takes too many days to show the payment that was made, to show the new balance available and also doesn't give you your trophies after completing the task

I paid my membership fee last week and still cannot access the website a customer service is a joke so I had to report them to the Better Business Bureau because this is ridiculous

This app is garbage. It's slow and please dont give it your information... I have been trying to delete my account and it doesn't have anywhere for me to do it... Please find another app to help you build your credit... This app is not it!!!

dude they dont help in anyway wanna losrme 12 dollars here ya go this is the place to do so.

It's a great idea, and started off well. Start with a low credit limit, and take lessons and achieve goals to increase credit limit. And then as quickly as it started, they paused all goals and rewards increases. They said they were working on a new system, but that was several months ago. Also, payments take over a week to apply to your balance, even though it's out of the bank in 1 say. And the app itself is an awful, clunky mess badly in need of optimization.

Another BIG SCAM download the app from Play store filling out information when they sent me six different codes I put in the first code not valid second code not valid third code not valid too many attempts try later considering y'all sent me six codes back to back less than 1 minute but none of the codes work 👎👎👎👎👎

this app don't work

great card

I have had this card for 10 months. it is entertaining how you can increase your credit limit by taking lessons and signing up for affiliate things. but they don't always add the additional credit limit for the things you sign up for for their affiliates like acorns or chime. previous problems I've had are they reported $18000 CL instead of an $1800 CL and then they reduced it back down to 1800, causing my score to drop drastically than what it was. recently I didn't receive my monthly invoice.

First year was good they reported and generally helped my credit go up. last year and a half they have been a nightmare to the point where i plan on closing this card. Had months of them not reporting my correct balance, have had them report my balance thousands over my actual usage amount and then report it back to the actual amount. The app has been slow and sluggish, have had them report my credit on random days instead of the 2nd of every month. Dont recommend at all.

update the new app version terrible sucks.

Kind of hard to navigate

it used to work, but now I can't log in. I can't access my account, and I can't pay my bill. I try to log in and it sends me a random code through text that doesn't have a place to put it on the app. it's just a blank screen.

not worth it

Arro is a not reputable company that I can recommend to anyone. After I logged into the app, it prompted me to take 3 short lessons to increase my credit limit by $5 for each lesson, so $15 total. When this didn't happen after I completed the lessons, I contacted their customer service and was told that they are making changes to the program and the credit limit increases are paused. I asked why I was prompted to do the lessons then if the increase was not available? Follow ups have been ignored

This app is garbage. Horrible site design and will not help with poor credit approval. Absolutely junk.

not what they claim

app is broken. nothing was wrong with the previous login interface. they changed it for some reason and now you have to jump through hoops and play with it just to login. why?

didn't work for me

I will never recommend this credit card to no one. I got this card and never used it because I have no need for it at the time. Every month for a year I was in good standing with this card, the all of a sudden I started seeing charges when I wasn't using the card. I complained and it took the 3 months and a lawyer to have charges they placed on the removed, account closed, and no reflection on my credit.

I downloaded the app I paid the $12 but the app keep asking me to sign up for my credit builder account and then the app keeps closing or I try to open it so with all the issues with the app I don't know if I've done the right thing because the payment was taken out of my account for the credit builder account

this app are not what they say about it, absolutely scam, scamming everyone for money, Google need to get this app from here

👍🏼

this company has no telephone support team they say email the only you you can get hold of them an they dont answer their email when sent them they make their own rules has they go. the only thing you can deal with is ai witch is not very good when you have an issue they make a support ticket for you witch they never answer an if they do answer your support ticket they give you an excuse that they are look into it an they get back to you in 5 to 7 business days an they never get back to you

The card itself is a great way to build credit, however the app stinks. I can't tell you how many issues I have had with the app. It won't let me use fingerprint authentication, but then the face recognition fails. When it does finally let me I the pages won't load. I made a payment for a future date, but canceled it because I could make it sooner. Now my bal shows zero like I made a double payment. Please fix the app.

The card was great and worked as promised when I signed up, however that was over a year ago and it's horrible now. they will freeze your card for no reason. the grow your credit limit is a lie. customer service is the absolute worst. I don't want this card but not taking a hit to my credit because they can't do as stated.

Arro started off as a Positive experience, go though the set up process, paid, then 30 minutes later, app won't let me in, says my password is wrong, even though it wasn't. but I go to reset password, but then the link to reset it won't let me , gives an error, after about 2 hours, I managed to update the password, go to log in and them bam , incorrect password, account locked for 80 minutes. you have taken my money, and no support response , fix this please upsetting

grow knowledge and fun

this is the worst card I have ever used. my credit is great and I just wanted to add something else on to just expand and the card hardly works. I cant even but something online without it saying insificant funds when there is more than enough. the app doesnt let me long in every other day. it sucks. ill pay off the 20 dollars I owe but im closing this thing.

definitely different than all the rest, actually vested in your success!

I got my first ever credit card with a small line of credit to start that I've already been able to add almost 25 bucks to! I think this app has the potential to help my life immensely.

great learning credit card that is helping me out tremendously

ugh...

this app will not let me into my account. i have reset my password four times now and every time the app says my password is incorrect. this is suspect because now they have all my information and won't let me access my account.

Don't do it!! The app is trash error happen all the time I can't even finish anything. I have heard back from anyone.

they freeze your card with our giving an reason and ask you to contact them takes days to hear back from them.

it tells there is a security issue i know i dont have any issue

don't waste ur time. it starts off seeming like it will help ur credit but in the long run may hurt it. I'm in a panic cause I cannot login through the app. app is completely frozen even after uninstalling and reinstall. even going online to login don't work. online only allow sign up. can't get n touch with no one. also I don't have a balance but it wouldn't let me move on to next challenge cause it say I have a balance. when I try to pay it say I can't cause there's no balance headache app

Garbage app with ads that lie

was a great card till I had fraudulent charges and when I reported it to them they called me a lier and they were my charges. so I am paying off little I owe and closing account o already cut up my card. they suck if I could give minus stars I would

Overall, this is a great app. But I'm making this note to kind of report that they're bug. A new bug now prevents me from logging in and I do not need this to impact my credit further. I am over 20K in debt. Twenty six years old and very glad to have over a 600 credit score, i need to be able to manage my credit here.To keep improving my score, please fix the app

It's like a card for toddlers. Its pretty useless for credit building due to low limits. To increase the limits they want you to sign up for "partner offers"like you do to gain points in mobile games. All of which I had prior, so stuck with a low limit that has zero impact on my credit score. I've actaully been told my score would increase if I closed this card since my lowest limit on other cards is $2,000. now they are pushing a monthly service to build credit as well. Real spammy feeling.

I have tried for two days to connect my account and it says it is but my application still does not show it. Customer service has not been any help

dont waste you time. there are very few places that you can actually use the card.

My bank is connected to the app. but after I login it keeps telling me to finish my application and "Artie" does not seem to understand the issue then it sends me back to the beginning of the app. I don't know if it's a glitch, but I was very disappointed.

Absolutely terrible company and the app. The app is absolutely unusable, can't even make a payment properly. Before you start operating a credit card business invest some resources into creating an app that actually works. Will be leaving negative feedback on all the platforms. Unacceptable!

great card

cool I like the arro app

The app is frozen up to where there's no way to log in even after uninstalling and reinstalling the app. There's no account access through any browser so I am completely locked out of the account

App is totally unresponsive. Unable to open account

I like it and they gave me credit when others wouldn't. but I've had some issues and customer service never returns messages. I've tried multiple times. I never got the credit raise for making the second on time payment. and now it's the 17th, my payment was pulled from my bank on the 9th but my account still sais payment pending.over a week and it still hasn't went through? it did not take this long the last couple months.and it sais up to 5 days to process. I'm over 5 days since they got it.

Avoid this card! What used to be a recommendation is now a warning. Since getting a new phone, I’m locked out of both the app and website. Their "support" is email-only and takes days. They send temporary passwords that don’t work and OTP codes with no place to enter them. Worse, they’ve scrapped credit limit increases and abruptly canceled programs I was midway through. Between the technical failures and disappearing features, this company is a waste of time. AVOID!

Plaid does not redirect me back to your site after my bank acknowledges link up and then I try to open your app and the screen diminishes. This is a Sorry App and a waste of time. NO STARS🤐🤐🤐🤐🤐🤐

won't let me log in , I know the password and even reset it . every time I enter my password it text me a code to enter but it doesn't move from the password screen to enter the security code....horrendous.

not signing in

worked well until I got locked out and now when I try to log in they send me a verification code that I cant enter anywhere.

still waiting for customer service if it even exists to get in touch with me. it says there was an error processing my application. put in a trouble ticket and they said it would be looked into within a business day or sooner. it has been over a week. perhaps I should take a cue from the other reviews and pass on even opening the account.

samsung Ultra 26. I enter name and password. get a text to enter code. there is NO PLACE TO ENTER THE CODE edit to add any device, after typing email and password, it's send a code but no place to enter the code. I'm all for security, but you need to turn off the code if you don't have a pla e to enter it

the Arro App is a very Good Credit Card App and an excellent way to build/Rebuild credit. the payment button on average takes about 4-5 days for the actual payment to be processed and account recredited. I Humbly Thank You, and Respects.

I did have five stars but they keep allowing on fraudulent transactions to hit my account and don't do nothing about it. besides, send me a new card and then the same merchant. they allow to hit the same the new card 3 months later. there's no way to contact them. there's no way to talk to them

first picture says, start your credit journey for free. when I signed up there was nothing I saw saying I would be charged upfront $60 for a year subscription. maybe there was something on page 7 subsection B 5.2 but it was not stated anywhere clearly or upfront. misleading not nice of you arro. you get 2 stars instead of one only because you give me the ability to make back that 60 in app through the rewards you give.

arro app is about the most ignorant app I've tried. I apply and connect my account which I've had for 2 years already and tells me that it doesn't have enough history?? I'm like what lol whatever guess one less card I have to deal with.

you guys suck! make it impossible to delete my account and info! useless

I'm impressed with the app so far!

Erroneously labeled BOTH of my landline phone numbers (each from different service providers) as VOIP numbers so uninstalling. Was only signing up to earn in a rebate app but definitely speaks to the quality of a company if potential clients are shut out mistakenly that soon in the signup process.

The app is not working properly. It took all of my bank info and now it's showing an error. I've reached out and no response......very skeptical about the legitimacy of this app!

I can't update any information on the app, I never received my physical card and can't even contact customer service to notify anyone. I'm frustrated

awesome card thanks

poor customer support and do not accurately report to credit bureau. I paid my balance but they failed to report to credit bureau now my credit dropped. I've reached out to customer support multiple times and they will not respond back to me.

this card appears useful in every way!

absolutely interesting lesson should be accessible without goals/time frame only thing need fixing I'll love to learn from as many lessons as possible the delay will make many leave if not abandon immediately beginning awesome delays make it less appealing after awhile you'll wanna avoid all together shucks I receive false lessons notifications which is another stab hoping arro reads perhaps even update over look so many times I'm lucky I even gave it the ole collage try

I tried applying and it got stuck on the "applying final touches" page and i received no communication at ALL ...bad customer service!

This card and app are amazing. if you are able parent with a kid turning 18 get them this card and get them to do the learning included

Interesting idea for building credit

update! CS replied here, but still hasnt responded to my email a month later. Contacting the FTC for assistance and to file a complaint. Customer Service won't respond to my emails. so thats not a good sign at all. Definitely proceeding with account deletion.

can't verify my identity. Hogwash! They are the first app to ever say this. I jumped through their hoops, and now I'm unable to apply again for 30 days. This app is horrible. No customer support. DONT INSTALL.

I give it CREDIT !! When it comes to hunting for good time and putting in work , i take my BOW and use this Strong and Reliable ARRO!!! IT May seem fake looking at this app but yet we breath just fine something we can't even see, So don't think on this one , Go head and see what you have been missing and needing your whole in-creditable life!!! I love this app it

I have been trying to re access my account for the last five and a half months. I have already done all of the little tests that the site provides for you and had gotten to the point of ordering my card. However, since getting to that point; the site has denied me any further access and the means to request my card being mailed out to me. I would greatly appreciate it if Arro would prioritize attending to this matter and get my card mailed out to me.

app was glitching whole time I used it now can't even get into my account changed the password but it didn't stick n I can't see any of my credit card information this is very suspicious and the fact they are locked into your bank account is real upsetting. I think that's illegal as heck! their device is in your registered devices list in your bank account seems to be they may have been hacked I made my minimum payment. pd it off already once got a 10 cr extension I'm only getting 60 bucks cr

Seems that their system goes all wonky every once in a while. Every time I have tried making a payment using a debit card, it doesn't work. Then I have to contact support, which takes days to weeks to get a response. They fix it until they break it again. I wish they had an online dashboard.

was a decent app and card, until they reported a 10 grand credit limit to the bureaus when it was supposed to be 1000..the. corrected it without telling the bureaus that it was there mistake, resulting in a 70 point drop in credit rating. When I contacted them about it, was told they made a mistake but I would have to deal with it. Horrible customer service, and a bit predator since a lower credit score means they will charge a higher APR. Wont correct their mistake, so looking into lawyer..

Started to create account and it said failed to connect to server. after about an hour of hitting submit button it goes through. So I tried signing in and it tel me my email is used with another account. This app has a lot of issues and kinda makes me wonder how well are they protected their customers information. This app misbehaves and has to many glitches.

This is for kids. Miniscule credit limits. At first it allowed users to jump thru hoops to increase credit limit but that single upside has been removed. Not worth it, in my opinion. Update: Sporadic and incorrect balance reporting to credit bureaus and now incorrect credit limit reported to credit bureaus. What an unprofessional outfit! ...and a $36 annual fee for this?! Outrageous.

First, I didn't get approved but I slowly tried to improve some of my score and now I got my Arro card, i got a $75 credit limit to start and got it up to $90, so lets take it from there. Listen, a $75 credit limit is better than nothing.

I would like to give it a higher review but until support addresses the issues I have just noticed this morning. I would give zero at this point if I could because I have earned $65 in credit but this morning it said I used it before I actually did, but there is no way to tell what or how the money is just gone, or even where it went to. This is ridiculous 😡!

Download the app, created my account, and the app would never send a code to my phone, app then closed by itself before I could try to get another code sent. upon reopening and trying to login, it now says my account is locked. Fantastic experience, 10 of 10.

This card sucks. When I filed bankruptcy every credit card on my credit report went to zero and said included in the bankruptcy except this arrow card. They made every excuse they could to try not to report the right information. Please do your research. These small company credit cards are liars!

it's cool and educational Update, I was wrong. It means well, but the execution of the overall system can end up causing you more harm than good if you really intend to keep for emergencies. This card rewards you if you use it regularly, but with such a low balance, the utilization rate will cause you trouble. If not that, the restrictions placed on amounts payable through their system, unless you're late, then you can pay through a convenient method. Bogus experience with customer support

Well, the app will not let me verify my email address so I cannot claim the learning rewards. All of the affiliated apps that I tried through them turned out broken in some way also. Convenient. Skimming off your welcome offers on other apps, offering points for the cash that they skim, then blocking you from redeeming the points. Data stealing, data selling, lying trash app.

It's been about a month since they took away credit increases for the time being. It's been frustrating completing lessons and goals and not seeing the credit line go up. There hasn't been any update, and it sucks because I'm probably not going to get anything for the progress I made.

So I had this credit card for a few months now and regret it... this card is made to grasp a understanding of how credit work you start off with 50 and continue growing as you go thru their minor lessons on credit.... my first regret of dealing with them is my card never received it until late last month after complaining several times about the card not showing up also I have complain to them about them freezing my account for transactions they seen in the pass the app is trash

I've been using this app/card for months now. I moved several months ago and notified Arro of the move. They requested a copy of my drivers license with the new address. I have now sent the return email with the copy of my drivers license with the updated address 3 times. It has now been over 2 months and the address on file still has not been updated. At this point I'm just going to contact CFPB and the credit bureaus to report their refusal to update my official address!!

Several months ago they froze my card because I mistakenly paid them from a closed bank account which I forgot to remove from the payment methods. I contacted them in September. They ask me to: "Please provide the bank statements for all accounts connected with Arro. Please provide details as to the steps for adding a closed account payment source and making payment from it. " I explained to them that I no longer have access to the account and that obviously it wasn't closed when I added it.

Please update this app. I have not received any of my rewards for the goals I have met in the past few months. I recently opened this account and it was wonderful for the first month, and then no funds for meeting goals and the section of the app to better your financing by practicing your financial literacy quit unlocking. I was able to learn and earn rewards the first few weeks and then the card was not working as well. The learning section of the app I liked more than the card itself! Done!

I'm giving 2 stars because even though this is an awesome app to help learn about credit and grow a credit line for emergencies, the app never loads completely. It's very very very frustrating. I've been dealing with this since I downloaded it. I clear my cache, force stop and re-open every time and it has never loaded any of the pages fully. Fix this and this is one of the next credit building/ teaching apps ever.

I've had this app since September, and so far, so good. The card itself is somewhat limited but it helps build credit and the app does, too, by educating you about the credit game and credit cards. All in all, a worthwhile experience and I would recommend it to all those new to credit cards or trying to rebuild their credit.

After many attempts,I can't get it to go past the connecting of my bank. It just keeps putting me back at step 7. I've updated the app, erased the cache, and tried again and again with the same results. The bank is connected.

I've been trying to sign up for months. Can't get past the verification stage because it won't text me a code. When I message support, all I get is a "We hope to get it fixed eventually. Unfortunately, some people are having the same issue." Not worth the time and effort.

I've had the card since October, and recently found out my payments arent being reported to the credit bureaus, my statements have modifications and I have been going in circles with their customer service reps via email (because no phone number) since mid September regarding these issues! This problem has dropped my credit score 200 points!! I'm beyond stressed out because of this. It was a great concept to educate for limit increases but not with the mess they have made for me now. ☹️

Would be cool if I could access my account. I had to file a claim on my phone and ever since I got the replacement phone I can't log into my account. It sends me a verification code but there is nowhere to enter the code. If I hit continue it just tells me to enter the code. THERE'S NOWHERE TO ENTER THE CODE!!! Can't log into your account online either, only through the app. I've un-installed and reinstalled the app and that does nothing. Hope you aren't expecting your payment Arro!

Very slow to respond via the only communication channel offered. My account was denied due to me linking this app to an account with little money. I took this as a precaution. Should support communicatie with me to resolve this issue I will adjust my rating. Otherwise, ai will have to consider it a scam.

I'd love to give 5 stars, if I could ever actually use the app that is... I've contact support multiple times just to be met with the same answer. That some people are having trouble with applications so it's taking longer they must not be reading what I'm saying correctly because I've stated many times now that I have an account I just need my phone number changed to be able to get into said account. Why make something ans the forget you need the customers to make this grow...

Sent me unsolicited spam, then denied me after going through their pointless application process. They offered to help me with my credit and then deny me because I don't have enough open credit accounts in good standing? Sounds like a data mining scheme to me. BEWARE!

I am unable to sign into my account because of errors and I'm unable to reach customer service. If somebody from customer service could please reach back to me. Thank you. I have already tried to email several times but have not got any information back

Support was fast in replying to my problem, the have a fix in place, will see if it worked by next month. So far I do really like this product, once they've gotten all the kinks worked out and it's running smoothly, I'll be more than happy to give 5 stars.

Tried to apply but kept running into "sorry, we ran into a error processing your application" message. Reached out to support through email to get clarification. All I got was what seemed like automated responses. Was very interested in utilizing this platform

It takes entirely too long for your payments to process (7-10) business days. Also, it doesn't track your "education" progress or payment bank account frequently enough. I have to wait days after my payment account reflects a balance greater than the amount due for my payment. In the meantime, I've made 2 or three payments that haven't been counted towards my "education" progress. It's all totally understandable I guess, but way too frustrating for me.

Ok. I would have had a 4 star rate. I rarely give 5 to anyone or app. No one is perfect. But it's 3 now because of recent updates changing everything! Some of this was finally fixed on my end. But I still lost at least a chance for a $25 increase in a week or so. Plus now I have to make at least 15 minimum payments now to advance to gold. I can't afford anything but minimum. This isnt way it was before. There is another option but it's worse! Otherwise 4 stars would be a given! Great 💡 but ...

super cool idea and awesome app of it loves up to it's description. but I wouldn't know because I got my account created, password set, name input, and wait listed! it was a pretty frustrating time/place/way to be informed that there was a wait-list. all excited signing up only to have the wind abruptly taken from my sails. wah wah.

Was able to log in once. Yah this app has too many engineering errors to even be functional. Basically just wants your banking information. All the sudden I can log in which makes me very suspect. So im definitely gonna try to hopefully be able to long in and disconnect it from my bank. The math aint mathing on this app for me. It makes me suspect alot of folks have log in issue after fed Flag!!!!!

This app, the customer service, the content that teaches you about credit and more. I can't put in words how much they have helped me, there's so many great reasons to choose Arro. They truly deserve 10 stars. Easy to navigate the app, the courses are well structures and the incentives keep you motivated! Choose Arro!

What a GREAT service!! I have been nothing but totally happy with my experience using the Arro app and service!! Very customer oriented and very helpful if your in need of help establishing a positive credit score/report. 5 Stars!! I will update my review if any issues arise in the future but I honestly don't see that being the case anytime in the foreseeable future!!

This is a great card for rebuilding credit and has great financial advice. Increasing your credit limit is quick and easy. On the downside, the functionality of other app is dismal, and there is no way to speak with an actual person to resolve issues quickly because there is not a live representative to speak with and they don't have the staff to resolve the issues get. Arro: please don't ask me to contact you about this review. Try contacting me.

Unfortunately I was unable to use this app. After going through the whole process and linking my bank account,it said I didn't make enough money even though my direct deposit from my employer is over the amount they require ($1000) per month. I'm not sure what the problem is. It found my paychecks but still said I was under the required amount. Wasted my time, I was looking forward to trying this out.

I can't change my phone number because I ran out of attempts. My current phone number doesn't let me receive SMS texts or verification codes because it is stuck on stupid!!! I just need to change it one more time to make sure I can finish creating my account, but it says that I have reached my maximum number of attempts. Not fair!!

Hey this might be some kind of phishing scam. As soon as I entered all of my personal and sensitive information I got an error code that has not gone away. It's been 3 days and when I contacted customer service they said, "oh it's a glitch. we've deleted your account and you'll have to start over... they lied.

The app doesn't let me make payments. I've tried the minimum due, as well as attempted to pay the entire balance. It tells me that my payment is more than I owe and won't let me proceed. Since it won't allow me to pay, my card is suspended. I've emailed them, but they apparently don't want to respond and don't want their money. I'm about to cut the card and throw it away.

Awesome credit card/app! They start you off with a small credit limit, and you can build it over time by taking their credit literacy lessons and by good practices with your account. I love it. Capital One was a horrible experience for me. My experience with Arro has definitely been much better!

I'm not even a part of this app. I was about to sign up because "I'm building credit." Saw and read they use your income to approve you and not your credit, but then saw at sign up."They do a soft credit pull." - I said, NOPE! Don't need no inquiries on my report. Don't waste your time, guys & gals. They lying in their advertising.

I have been waiting on a decision from this company for four days now and every time I go to check it says the team is still analyzing and will get back to me shortly to look out for an email. So this is extremely aggravating. I have never waited this long on a decision it's usually either instant yes or instant no. Then when you click on the explore the app, there's nothing there is blank it's almost as if it's a fake app to get your information. I will update review once I am contacted.

Got approved for $50, which is a start. I like how learning credit and personal finance can level you up and increase your credit limit. I want to make a few suggestions. The app would be better if it had fingerprint authentication and an option to use a debit card to pay down the balance.

One star for now because when I first signed up everything went smooth didn't have what they needed for my bank account so I waited until I did....now I can't get into this app for nothing and I really wanted to try it I've installed and uninstalled still nothing change my password and all still nothing..just my luck

Probably a better card......if you can get approved for this product, you may as well get a secured discover card or another secured card that will give your deposit back after 7 months or more. I did that with my discover card but I wanted a second one and I wasn't approved. It was a waste of time and I will just stick to my one card and not believe the advertisements.

Ridiculous... I tried to sign up but they couldn't verify my identity... I've never had this issue before with a creditor. I reached out to customer support and was told you are o ly given one chance to sign up and because the app couldn't verify me they could not move forward with my application. Unacceptable.

Is this like Zolve Credit Builder Card ? I can't get a clear cut answer with them . One minute I'm considering the card so I ask can I rent through Hertz, Avis, Dollar, Budget car rental & was told yes . I deposited the money for a credit limit which of course was approved . I get to the car rental & the transaction declined . I contact customer service but they're only online . They tell me I have to ask ahead of time for approval to spend amounts of a certain sum . Are you like that or better?

Awesome customer service. Awesome platform. This app will help you relearn everything about credit that you might not have known and if you have a job, you have a chance at credit. Thank you Arro for everything you do. I am so very happy I found this app and I am going to use it to become more financially fit and understand how to increase my credit to better my family's lives. Thank you.

Easy sign up process. Got approved on the spot. I like how the emphasis on helping people learn about credit and rewarding them with limit increases when they complete lessons. One of the better if not top credit builder cards. I'll definitely be including this in a future video review. Edited* Minus 1 star. This app needs fingerprint sign in or samsung password save feature because typing my info in each time I exit the app sucks.

Great idea and execution for an app/financial service that not only provides you with a line of credit, but gives you the tools and education to manage that credit and understand how it affects your financial situation and financial education. Would definitely recommend to others just starting with credit who don't fully understand the system or to those who may not have the best credit and want to learn to take control of it. Credit increases through education are amazing and rewarding!

Interesting Fin-Tech card. It teaches me how to manage my money and boost my credit score. The more I learn, the higher my credit limit becomes. The app is easy to use and gives me helpful feedback. It’s like having a coach in my pocket. Recommend it to anyone who wants to learn and grow financially.