App Reservecreditcard Reviews 

They took my money, decreased my credit score and now keeping my money for 30 more days before they send it. I’m now taking legal action.

Company is a complete scam. Do not sign up. I paid the $95 fee 18 business days later still no card. I called to just get refunded. That was 11 business days ago and still no refund. I’ve attempted to contacted them multiple times and no one replies anymore. I had to file a claim with the BBB

Direct Card Reserve Review – 1 out of 5 Stars

My experience with Direct Card Reserve was disappointing due to the high fees and the lack of clear communication about how the account works.

To activate the card, I was required to pay approximately $60 upfront, including a $30 activation fee. After activation, I was surprised to discover that the advertised $300 credit limit was not fully available for purchases because $195 of the credit line had been allocated to a credit repair or membership service. In addition, the card carries a $75 annual fee.

When I contacted customer service, I was informed that I had 30 days to request a refund of the $195 credit repair service. While I appreciate that the refund option was available, this important information was not clearly disclosed before I activated the account. It also took a considerable amount of time to reach a customer service representative by phone.

Update: I did receive a full refund of the $195 credit repair service after requesting it within the allowed timeframe, and I appreciate that the company honored its refund policy.

I would not classify Direct Card Reserve as a scam. It is a legitimate Visa credit card issued by TAB Bank. However, in my opinion, the combination of high fees, reduced available credit, and insufficient transparency makes it a poor value for consumers looking to build or repair their credit.

Before applying, I strongly encourage potential customers to carefully review all terms and conditions, including activation fees, annual fees, refund policies, and any optional services that may reduce the available credit limit. Understanding these details in advance can help avoid unexpected costs and ensure the card meets your financial needs.

Rating: ⭐ 1 out of 5 stars.

Im not able to out 0 stars but thats what these SCAMMERS are worth! I would nit wish this in my worst enemy! How do you charge me $95 and then forget to mail me my card only for me to get a message that's reads this: Unfortunately, we weren't able to open and activate your account, so we're refunding you $95.00, sent as a check in the mail. Confirm where to send it, request your check, and we'll get it out to you. There's a short hold before checks are issued.
Check requested

We've got your request. Checks go out after a short safety hold — about 30 days for yours, then your $95.00 check is mailed. No action needed from you.

This is bullcrap!

They approved me, I waited for almost three weeks before I called because I hadn’t received the card. The rep told me it was in their next batch of cards being shipped. Fast forward another month, I log in today to find out because I’m extremely annoyed at this point, only to see:
“Unfortunately, we weren't able to open and activate your account, so we're refunding you $95.00, sent as a check in the mail. Confirm where to send it, request your check, and we'll get it out to you. There's a short hold before checks are issued.”
so they hit my credit, give me an approval, give me the runaround and apparently a straight up lie, and didn’t even email/call me to tell me that they couldn’t open the account after all of this?
It’s an absolute scam. Save yourself the time, money, aggravation, and RUN as soon as you see this.

(also that “short hold” to get my money back? yeah, it’s 30 days. so it’ll be another month before they even mail my check. let’s see if they actually even do that 🙄)

I applied for this card almost two months ago. I was approved, paid all the fees, was able to make and login to my account. I heard nothing for about a month. I did a chat with your team and was assured it was in the process of being made and to just be a little patient, even after I asked for a refund since it had been a month. It’s almost a month after that first month, I had still not gotten any updates, or heard anything. So I logged onto my account again. Now I get a notification that I will not be getting a card after all. That I need to verify my address and you will send a check. AFTER a 30 day holding period. So it will be over three months since I was approved to even get my fees back? After I was approved and assured by your team that I would be getting my card. This is absolutely ridiculous and unacceptable. Can someone please help me understand how I was not notified at all, given no update, assured by your team, now I login and good thing I did or I would have never gotten the refund. I’ll be completing to the BBB and any other outlet possible.

Wow I’m reading all the comments and I’m in awe sooo I applied for this card over 3 months ago! Still waiting for my card well card never came and I went from being approved and being told that my card was in transit after I paid all their fees. So I go online to check the status now it says they couldn’t open my account Hmmmm but my card is in transit right?? LIES LIES LIES took my $95 I can’t even contact them now they are saying I will receive a check within 30 days what a load of crap these guys how are they in. Business ripping everyone off and they are getting away with it $95 dollars 35 dollars doesn’t matter they took money knowing that all of this would happen and I’m beyond irritated.. something needs to be done…

Promised Refund Never Received

Application ID: 8VZQ-HHKM

I communicated with representatives Kris and Cessa on June 25 and June 26, 2026, through cess and help at reservecreditcard.com.

I was charged two separate fees: a $35 application fee and a $60 program fee, totaling $95. On June 26, 2026, I received written confirmation that my application had been canceled and that a full refund of all fees had been processed. I was promised that the $95 refund would appear in my account within 5–10 business days.

As of July 10, 2026, I still have not received the refund. I have contacted the company several times and filed complaints with the Consumer Financial Protection Bureau, Better Business Bureau, and Attorney General. I want the full $95 refund returned immediately.

Hello! I got scammed with Reserved Credit Card. They asked for an application fee/service fee of $35.00 Then when I was filling in the info, they asked again for another fee of $95! Ridiculous! So I stopped completing the application and did not proceed. I am still disputing with my bank to get a refund of the $35.00. I could not recall what was their customer service phone number that I called. Anybody please post The Reserve Credit Card customer service phone number.

PEOPLE LISTEN!!!! I HAD THE SAME PROBLEM THAT EVERYONE ELSE HAS BEEN COMPLAINING ABOUT....I PAID MY FEE'S WAITED, WAITED, AND. WAITED NO CARD FINALLY I JUST GAVE UP AND, WAS GOING TO EAT THAT LOSS.....WELL 1 DAY I CHECKED MY EMAIL AND, WHEN I TELL YOU THIS COULDN'T STOP APOLOGIZING THEY INFORMED ME THAT AFTER 2MONTHS OF WAITING THAT IT WOULD BE AN ADDITIONAL 3 WEEKS B4 I WOULD RECEIVE MY CARD.....WELL TRUE TO THEIR WORD CARD SHOWS UP IN THE MAIL.....I ACTIVATED THE CARD W/NO PROBLEM IT HAS BEEN WORKING JUST FINE WITH NO PROBLEM I'M ENJOYING IT ALOT.....SO, I CALLED CUSTOMER SERVICE 1 DAY AND ASKED THEM TO BE TRUTHFUL WITH ME AS TO WHY NOT ONLY ME BUT, OTHER CUSTOMERS WERE GOING THRU SO MANY ISSUES TRYING TO GET THE CARD IN OUR POSSESSION? HONESTLY WHAT A SUPERVISOR TOLD ME WAS THAT WHEN THEY 1ST LAUNCHED THE COMPANY THE CARD WAS IN SUCH DEMAND THAT, THEY HAD NOT IRONED OUT ALL OF THE KINKS IN THE SYSTEM AND, ON TOP OF THAT......THEY, DIDN'T HIRE ENOUGH STAFF/WORK FORCE SO NOT ONLY WERE THEY SHORT STAFFED THEY RAN INTO A LOT OF HICCUPS ALONG THE WAY HAVING TO FIX THAT ISSUE AS WELL AS TRAIN NEW STAFF AND, LEARN THE ROPES OF THE SYSTEM AND, DEAL WITH ISSUES AS THEY CAME UP....STAFF WAS LITERALLY OVER WORKED AND, STRESSED OUT TRYING TO ACCOMMODATE NEW CUSTOMER ACCOUNT ACCESS.....SO THEY'VE HIRED A LOT MORE STAFF TO HELP DEAL WITH ANY UNFORSEEN PROBLEMS THEY ARE WANTING CUSTOMERS TO BE A LITTLE MORE PATIENT AS THEY SHIP NEW CREDIT CARDS OUT AND, TO NEW CUSTOMERS...... PEOPLE, THAT'S EXACTLY WHAT HAPPENED I HAVE MY CARD IN MY POSSESSION AND, USE IT ALL THE TIME I AM VERY PLEASED WITH IT SO, WITH ALL THAT BEING SAID IF YOU'D JUST HOLD ON A WHILE LONGER YOUR CARD WILL ARRIVE...... TRUST ME WHEN I SAY I WAS SO FRUSTRATED AND, WANTED TO GIVE UP THANKS FOR READING THIS BOOK TAKE CARE AND, BE BLESSED....👍🙏❤️

They charge me 60. then 35. I waited 2 months for the card it took me another month trying to get it activated because there was no one to take my call and in order to activate it you had to sign up for some type of credit repair that was 195. when i used the card it was decline now they said they are refunding my money but i have to wait 30 days for security purposes before they can even mail it out. its all just a scam dont apply for this card you will be very disappointed who knows if i will ever get my money back.

I wished i read this SMH 😭

this company is a major scam!! i applied and got approved on may 23rd, paid the $95 and no card. i called on june 26th and they said they were back logged and it would be 3 more weeks before my card was shipped. i sensed something fishy and said you know what?, just cancel the card and refund my fee please, they said ok and i get a email saying refund will be issued within 10 days. nope, never got it. i've emailed today and basically told them give me my money or ill report you. so now im here to find out who i can go to to get my money back.

I have been waiting on my card since the 16th of June, paid my 95 dollar fee. I finally realized that I hadn't seen it in the mail. So i reached out to customer service, no one has picked up. I got two responses from email, which made no sense. So I checked the status of my card, and the denied me. I'm so upset right now!! I want them closed down forever!!!!!!, I used my hard earned money thinking I could get my credit back in order. This is bad business on a whole other cost!!!

Do not give reserve direct card any of your information. They took money out of my account, never sent me. The card never opened a credit card and then tried to tell me they were going to send me a check for my refund after I called them complaining that I haven’t gotten any information or the card after over two weeks. They’re scammers I’m reporting them to the Better Business Bureau live with the Attorney General in the Department of financial services. To not give these people any of your information.

ITS A SCAM NEVER RECEIVED MY CARD SO NI CALLED AND THEY SAID I WILL RECIEVE IT IN A WEEK .SO A WEEK LATER STILL NO CARD SO I GO LOOK ONLINE AND IT BSAYS MY CARD WAS NOT APPROVED AND A CHECKWILL BE SENT BOUT ,AND IT WILL TAKE 31 DAYS TO REFUND THE CHECK AND ANOTHER 10-15 DAYS TO RECEIVE IT. TOTTLY SCAMMERS

This is the absolute worse I paid the program fee called them for three months still no card then I’m informed the account was cancelled!!!! The worse company and the biggest scam ever horrible.

Oh yea this is a scam company. Went through the process personally. Don’t do it…They’ll take your money, decline your application, and then supposedly mail you a refund 2 months later

I got scammed like many others. According to them I was approved, I paid my program fees of $95 immediately and then after over a month of being assured it was on the way they now said they couldn't open my account and are going to refund my money. Which I have to wait another month for! I have a feeling I will not receive this check at all.