App Reservecreditcard Reviews 

Please do not fall for this like I did. After telling them I knew it was a scam they immediately blocked me.

No star at all but I had to press one two months and me response bs service terrible customer service

This card is fake and totally bullshit. It’s a scam to get you out of your money.

Report them to the FTC as well as your State's Attorney General

Don't pay the fees for this bogus card! After you pay they take forever to send the card After you get it you have to call a number to activate it but YOU'LL NEVER GET THROUGH! No matter how many calls, emails, or messages you leave you will never be able to activate your card! They are always "too busy" to EVER answer your call!

Found out this is a merchant only card. Can't be used as a visa or mastercard.

I wouldn't leave a star if you would have let me! Absolutely horrible company. This place is a scam running fraud accounts. Took 2 months to get my card, and been trying over a week to activate my card an already telling me I have a payment due! Dont do it people! This company lies.

100% scam. Called when they first “opened” 9am eastern time. No reps available and tried numerous times. Finally got a rep ant 1:15pm and he tried transferring me to credit cpr to “activate” the card. I asked to refund the fees I paid and cancel the card or I’d contact the cfb and the Maine attorney generals office. 5 minutes later I got my refund and email for the application cancellation.

I wish I could give this company 0 stars, 1 star is too much if you ask me. They are the absolute worst. Waited 2 months to receive card and you have to call to activate the card and no one is ever available in the activation department. I spent $95 for this crap. DO NOT APPLY FOR THIS CARD!

Glad I went on here and read the reviews was going to sign up but now nope, it’s definitely a scam just like those scam operations in India that you would see on YouTube and what really told it off was those ”fees” to get your application approved and activate your card $195 sounds like those scam emails that tell you your computer has a virus and call this number then you hear an Indian guy voice on the other end, I’m being for real even watch the YouTube videos where a hacker catches them live.💯

you might as well just get a secured card with a credit card company , you have to pay 100 bucks for the little activation and whatever else it was , they tell you the card should only take up to 14 business days I didn’t get mine for 3 months. Then you have to call to activate the card I’ve been calling for 3 days now , no answering keeps saying no representative available that they are busy to leave your information I’ve done that atleast 20 times each day no call back no anything the hours for them are 9am-9-pm seems I little ridiculous for me to not have received a call back yet.

Don’t even want to give them 1 star!!!! Biggest bunch of liars and scammers I have ever come across. Every situation listed in other reviews mirrors mine. Paid the $35.00 fee in early May then they took $60.00 more to activate. May 19 I get an email my card was shipped and would arrive May 26-29. June 1, no card. Sent emails, was told they didn’t know when it was mailed (lie) and it was out of their hands as the postal service was responsible. But don’t worry, it’s on its way! Day after day, I received nothing. More emails, more lies!! Finally, June 13 my card arrives. Have spent the last 3 days trying to get it activated!!!!! Can’t ever get through!! Biggest scam ever!!! DO NOT APPLY; RUN, DON’T WALK, AS FAR AWAY AS YOU CAN!!!!!!!! SCAMMERS!!!!!!!!!!!!!!!!!

Having reviewed this information I'm calling for a class action lawsuit against TAB Bank, the company allegedly partnering with Directcard Reserve.

I applied for the Reserve Credit Card(Direct card) in May 2026 and received an email, and they promised in the email I received that they would provide the card between May 26th and May 29th. I sent an email threatening to send a complaint to NCDOJ, and I just miraculously received my card today, and now I can't activate it. I called the number on the card, and the lines are busy, or no one can answer your calls. They want you to leave your name, email address, and phone number, and someone will call you back. Now I am reading the MANY complaints that there is no $300 credit limit on the card, and you have to sign up for credit repair and pay a $195.00 enrollment fee in order to access the "elusive" $300.00 credit limit. I am cancelling my card and requesting refunds for fees. I have formally filed a complaint with NCDOJ and USCFPB (US Consumer Financial Protection Bureau) about this company. This was advertised on Facebook and TikTok, and I will also file complaints with those companies. It is a SCAM!!!

I just got approved glad I read these reviews first I was about to order this credit card I just got approved for I guess I’m not I wish I would’ve read these reviews first reviews before they hit my credit up my score went down but I don’t want this headache

This company is horrible. They charged me $35 fee and an additional $60 fee once my application was approved. They promised there wouldn’t be any additional charges. I had to wait a minimum of 3 months to receive my card with no support help whatsoever.

Once I finally got the card and activated it, I was alerted to call them to activate it & it took me 3 hours to get someone on the line after calling a bunch of times.

After I finally got someone on the line, I was told they wouldn’t activate my card unless I signed up for a credit repair service which cost me additional $119 and then they hit me with an unexpected $75 annual fee.

Considering that I only got approved for a $300 credit limit, how are they actually helping me?

This place is a total scam. Do not sign up for this card. It’s set up to take you money.

I would give less than 1 star if possible. Card is junk. I was approved and asked to pay $35 fee, which I did. After paying that fee I was asked to immediately pay another $60 fee from a separate account. So I am now $95 in and just received the card after waiting weeks. Went through the activation process and asked to call and speak with someone over the phone to activate. I have called over 130 times and unable to get someone on the phone to activate. I pressed another number and was able to talk to a person. He said that he didn't do activations and gave me another number to call. I've called this number 28 times and no way to get a person on the phone.
This card is junk and will never help anyone repair credit if they are just stealing money from people and not providing the service.
I am making a report with the BBB and requesting a full refund of $95!!
If you are struggling with credit or finances this card will only make it worse. Better to save your money and pay for a secured card with a good company like credit one, discover, or any others available.

Stay away these people are scammers I finally got my card today after a month just for them to tell me to call a number that doesn’t even work !! I called my bank to dispute the charges

Do Not Apply!!!?
Took over a month to receive the card and then could not activate the card. Reported company and scam.