prospercards.com Bewertungen 

They sent me pre-approved offer, my CR almost 700 and they declined CC application. Lunatics, you are in blacklist for life.

I accepted this offer to have a back up card just in case. I have had it about two years, used it sporadically, made all payments on time and in fact always pay 2-3 times more than the minimum.
Received a letter today cutting my credit limit in half because they didn’t like my score went down.
My bureaus are all frozen so how can they see it?
Closed the account.
Don’t be lured in. They will damage your credit more by these arbitrary stunts.

Terrible company. I have tried using the card multiple times and every time it is declined. I carry a zero balance because I can never actually use the card and they just charge me an annual fee because of it. Additionally I just received a “cybersecurity” incident email saying my social security number was compromised. Do yourself a favor and open a BrightWay card instead.

I called them up to dispute a charge on my card and they told me to call the customer up.. What a joke.

Received this card about 2 years ago and everything was great...limit of $1600.00, used it, paid it down, used it, paid it off, over the course of the first year or so. With no warning at all, and was NEVER notified from them that they had lowered my limit to $900.00 until 2 weeks later...even though I was already notified from Experian on the next day that Prosper had lowered it. When they did that my credit score dropped a ton for 2 reasons...1 - the lower credit limit (expected), but 2 - the balance to limit ratio also goes up and they ding you for that, so it's really a double whammy for your credit score. They have now done this to me twice in the last year or so...mind you - never late, paid early, paid more. and now my limit is down to $700.00. at the rate they're going, in another year or so I'm waiting for them to just cancel the card. Their customer service is overseas and they can't help you in anyway, you can't talk to anyone in America. They tell you that your credit score is lower than it was when opened the account...not true at all. Credit scores go up and down almost daily (maybe one or two points), but in this case every time they lower my limit that's when my score drops, they're the ones causing it to lower and then the ding you again because of their actions. And in they're letters and emails they claim to be (LOOKING OUT FOR YOUR BEST CREDIT INTEREST) when it's them messing up your credit in the first place. Read reviews...they do this action A LOT over and over and over again. When this card is paid off (AND REAL SOON) I'm closing this account and mailing their card back to them in pieces. Do yourself a HUGE!!!!!!!favor, STAY AWAY FROM THESE FOLKS.

I was a customer for three years since 2022. I always paid at least the minimum every month on autopay. 7/22 min payment of $30 went through. 7/23 i came into some money and paid $670 to pay off the card. I then closed the account since it was one of my last cards left that had an annual fee. The balance on the account was confirmed zero and account closed. 7/25 i receive an alert that a statement is available and i owe $17.18 which is just interest. I call to dispute this. They said the payoff was made the day after the 7/22 due date (even though the statement closed 7/25 when the balance was zero). I escalated the issue and they put in a work order. I didn't hear back so i called today 8/5/2025. They basically said there was nothing they could do and i would have to pay the money. It's absurd that i paid off the balance PRIOR to the statement closing date, but i still have to pay interest! What is the point of a statement closing date if that date isn't relevant for calculating interest?! Customer of 3 years with hundreds if not thousands paid to them in interest from me alone and they can't be bothered for $17.18. Ridiculous. Don't sign up for Prosper credit cards / Coastal Community Bank. Find someone else. They don't care about you in the slightest and outsource their customer service (to India or thereabouts)

I recently received an increase, immediately after my card was compromised, like an inside job being the city/state the transactions took place in coincidentally took place near the shipping center the notice of increase came from. After that situation was resolved I made a larger payment so I could use my card to pay for the hotel for our family vacation. The next day my whole payment was used and credit line reduced so that all that i added would no longer be available. We had to cancel our family vacation because I trusted Prosper to use as the credit card for our hotel stay. As soon as it's paid off, I'm closing. Soooo if you do decide to use Prosper do not depend on the credit to be available when you really need it. I regret putting our vacation money on this card. It has ruined our family's summer.

Up until this month, loved them
Changed checking accounts, everything good on app end but all payments declined. They had BOTH checking accounts, did not delete OLD account, took payments from old acct even though app indicated new account was used. It wasn't sO now they are charging late fees etc. THEY ARE INCAPABLE OF GETTING YOUR PAYMENT ACCOUNT CORRECT. GOOD BYE CREDIT SCORE. THEY JUST TANKED MINE.

I have used this card. I pay my payments on time 100%! I received an increase. Which was nice. However, I just had surgery and I’m still in recovery and I was running late On my payment and all I wanted was a two day extension on my payment. Two days! And they denied it! I just really do not understand this after 100% payment history!

This is the worst company ever ! Do not do business with them .Every month there's an issue with making my payment! This doesn't happen with any other card ! This card is nothing but a headache ! They need to be investigated and put out of business !

WARNING!! PROSPER OPENED a card for me in NOV 22. On day it arrived i called to activate and they said it was opened in error and said they deactivated it. Fast forward to me checking my bureaus when i got alert of negative flag. They have been notifying my bureau since early fall 2024 that iam past fur $39+ overdue fines for an annual fee that did not notify them i wanted yo opt out off. Calls to them do not work because i do not know my credit card number i am disputing.

Icing on the cake, my dispute to the bureau comes declined because PROSPER proves the account is accurate. Despararely trying resolve this i reported it stolen. Got confirmation text that the report was confirmed. I had hoped to get a new card so i had the number to then CANCEL CARD, you guessed it no card arrived. Now i get an email telling me that the annual fee is going UP and i have to opt out by next week. Zero other email communications since 2022. I can't even pay the flippin $$$ owed to get them to stop reporting negative activity.

Horrible can never log in to pay my bill

This card stinks. I just received it today and half of my transactions were canceled at the cash register even though I was given enough credit on the card. Will payoff my balance and close account.

Terrible company to deal with when it comes to credit card accounts! I set applied, got my card, activated it, & then used it to make one purchase which involved paying for putting my dog to sleep. Afterward, I web to their website to set up my account so I could pay my bill & keep an eye on my card, then is when the trouble began.

Setting up the online account access was a nightmare. I set it up, then kept getting a message saying my password was wrong when I tried logging in. I finally got it settled and paid a payment & thought everything was good.

A few day later, I tried to use my card & it was declined! I called their customer service department, which is somewhere overseas, & was told that my account was restricted because there was a question about my ID. They had me give them my information, including my social security number, & told me my social security number didn't match what they had on file!

Next, I was told to EMAIL them a copy of my social security card via unsecured email! I told them I wouldn't do that, because that isn't a safe method to send such sensitive information, & I asked if I could fax a copy or it or upload a copy of it via their website. I was told no. I asked if there was an address I could mail it to & I was told NO.

So I went to the BBB & opened up a complaint about the situation & the company responded with a mailing address that I could sent my information to. I sent that via USPS Priority Mail & I know it was delivered 8/10/22, but when I called them today on 8/22/22, I was told they still hadn't gotten my information! I was told it take 10 business days to process such a request & to call back in two days.

It has been three months now, trying to get this problem resolved. When you call customer service, you reach a call center overseas & the CSRs speak poor English. It is very hard to understand what they are saying & they are extremely unhelpful. They only read from their scripts & can't do anything else. They say their 'internal team' is working on the problem, but there is no way to contact this 'internal team'. If you email their customer service department, all you get is an automated response saying someone will contact you within 24 hours, but no one does.

I do NOT recommend getting a credit card from this company, you will regret it. From reading online reviews, I see my problem is not uncommon with this company. Stay clear of them!

The worst credit card company!
They've restricted my account for 2 months now without any notice and reason. And all they have to say regarding it is that they'll email when the restriction is lifted. The restriction took place the next day I paid their $39 card fee, this is just a scam to collect card fees and not let consumers use the card afterwards.

Update 1/28/2023 Prosper Account CLOSED! JUST don’t get this card! They are also vengeful. I filed for 2 complaints on Transunion over Prosper card discrepancies and the same day I got 2 hits to my account for items bought in another state. Same day! WHY!
Terrible experience. Credit karma has loads and loads of complaints. They tell no hard credit check WRONG! Their hard pull for me on 1/14/22 pulled my transunion down 85 points. I get a card and the app doesn’t work. So I call and they tell me they don’t have my social security number WHAT!! Hard pull on my credit proves you had my social security number. With that error the app doesn’t work. Without the right social security number they won’t answer the phone either. You have to call prosper bank to get thru. It’s a horrible experience. I now have ZERO confidence in Credit Karma, they suggested this terrible card. Took near 3 months to straighten it out. I wouldn’t get this card, it’s unfortunate I charged on it. It’s getting paid off and cut up. DONOT TRUST THESE PEOPLE? 4 different reps told me they would help me and call me back. THEY DONT CALL BACK. TERRIBLE CARD!