Gauss: Payoff Credit Card Debt

Just canceled the membership and deleted the account/app. Took weeks to be told I didn’t qualify even though I get over $3200 a month. I do not care about the hit to my credit to close out the account. Charging a fee and not getting access to the big selling point of your app is wack and disingenuous. GO TO YOUR LOCAL CREDIT UNION! Rates are likely lower. Boo boo there’s my whine rant. -edit- What a vain response. You’re still very disingenuous with your reply. Your process and procedures are only beneficial for some. Your customer service has great response times but have NO HELP. Just kept me waiting and hoping for almost a month. No way you’re trying to say you’re are better than a 7%-12% rate from a credit union? You’re popular because of the other things you offer, but that doesn’t erase the overall extra cost. Really insensitive reply. Glad I changed my mind. I got approved for $10k through Merrimack valley FOR 60 months at 10ish %. Better than what you were offering because I bank with them and they lowered rate cuz of that. Hmm? Do you offer that? No… huh hmm.

I got 16% APR and I’m really happy. Also got a pretty large limit, moved most of my 25% APR balance to them. Will save me a ton on interest, also same payment I normally do will cover much more balance now. Rates are high everywhere now, but these guys deliver. I don’t know how they do it, but I hope they stick around. Onboarding wasn’t hard, my payroll account qualified and I got the offer in real time. Needed to add card details to send money out to cards, that took me a bit longer, but no issues. There’s also spending and budgeting tabs with all transactions from the cards I linked - neat! Doesn’t cover all the cards I have but there’s a chart with how it changes over time so I know if there’s still room to optimize.

Yall are obviously spending a lot of marketing in Georgia because all of my friends have been talking about this app. But it’s not even available here. On most platforms you can market things to a particular region. Obviously this company isn’t the brightest.

I didn’t get the low APR line yet, but there’s a credit builder and payment planner available. The builder is cool - I saw the line on my file in just 2 days, this is a real thing, and I don’t have to do anyting - there’s no deposits etc. And then there’s this card tracking - I got a plan telling how much to pay to what card within my budget to pay off by date X. That’s really cool because you don’t need to go card by card. They don’t charge anything for it, all included with the builder. I also started a budget with them, hopefully they will highlight if there’s anything I can save on and then add to this payoff plan budget and see a closer taget date. WOuld encourage to stay on track.

The design is great, UX is intuitive for me. I’m using the app to track cards, recommended payments, and see if I’m on track with bills and my targets. There’s a credit builder included, I’ve just opened it, was super straightforward. There’s a budgeting tool that tracks expenseby category and against the budgets I set, so it’s easy to see how much I can pay for cards and adjust plans . Can easily deep dive into transaction on any card or category. It’s like Mint plus credit builder plus this debt strategy plus card recommendations that apparently they are not paid for, all for the same buck. I’ll keep using it.

Great idea, but certainly needs improvements. The customer support team is fairly responsive, but they’ve all have had to defer internally before answering my inquiries, which can take days (from my experience). The UX still lacks in that the directions are quite unclear. How do I remove accounts I’ve connected? Can I customize which cards I’d like to pay down first? What do I do once I pay for the subscriptions? Again, great idea, but this app won’t be on my phone for very much longer. Looking forward to potentially be a return customer in the future!

It was suppose to save on credit but so far it’s very high interest, hard to pay off because rhe high payments are mostly interest, and it was supposed to get lower apr but so far it hasn’t. Don’t recommend

The app is cool, but it didn’t work for me. So, I had issues with deleting my account, but I’m still giving it 5 Stars because the customer service via messenger and the tech team was outstanding. Anytime, I reached out to them I got an immediate response. Everyone got on top of my issue right away, or if it wasn’t fixed they’d let me know they’re still working on it .

I was told to download this app , and so far horrible experience I was trying to signed up and I get a error message “ account locked “ I am unable to create an account .