Credit KarmaReviews 186

As mentioned by others here, CK promises you will be approved for a credit card with "outstanding" odds, and if you are declined for it, CK will send you a $50 gift card. They actually won't send you anything and it is outright fraud.
After I was declined for the credit card last month that they promised I would be accepted for, I contacted them to let them know of the decline so they can send me the $50 gift card promised. Instead, they said you have to wait for an e mail from them and then click a link to get the card.
That e mail never came from them and I never got that promised $50 gift card. Instead, what I did get was a hard inquiry on my credit report and my score dropping over 30 points for applying.
Please heed the advice here from myself and others and if you see this promotion from CK of a $50 gift card for applying for a credit card with "outstanding" odds, do not do it because they are not going to send you that gift card. I don't know how this is allowed to happen because it it blatant fraud and they should be stopped from doing it to people.

Credit Karma suggested credit card by Mission Bank, by which they said I had excellent chance to be approved for or Credit Karma would send me $50. Instead they ran hard inquiry, did not approve the card and my credit score dropped 32 points. I so debated not to apply, but instead I did. When Credit Karma guarantees you $50, figure you have a good chance to gain. Advice: Don't take their chance!

Over the last 10 years we've noticed Credit Karma docks credit ratings in double digit increments then very, very slowly builds them back up in single digit increments even when you consistently pay credit cards off in full each & every month. They don't check balances frequently or consistently like Experian. It appears Credit Karma works to keep credit ratings low so lenders can charge customers more.
Note: Experian doesn't dock credit as severely as Credit Karma.

Credit Karma promise $50 gift card I had outstanding odds to receive a Citibank credit card that turned on for the card. I waited 90 days and never got the 50.00 gift card I contacted Credit Karma several times and no 50.00 card. Please be where they don't keep their promises at least not yet

This used to be a reliable, useful site. Now that it is Intuit Credit Karma, it is nothing but BAD Karma. Just to log in is hit or miss.I used to be able to log in with my saved password without any problem. Now it works sometime and other times it doesn't. It doesn't make sense. They are making changes quite often which are no good if the site is unreliable. I tried to chat about an issue but would need to give all of personal information.short of social security number. Once I get back in again, I will definitely cancel my account.
My advice is stay away. There are other ways to check your credit for free - online banking and many credit cards.

I financed a car that had a nationwide murder warrant attached to the vin and it caused me to get pulled over at gun point 5 times a week for 7 months so I did a voluntary repo about two years ago. I needed to get it removed and *******@bk. Ru came highly recommended and I recommend them for all credit related help.

Credit Karma is done the same thing to me today money was deposited they locked my account and I have no access to the funds. I'm going to be evicted and be on the streets because they are complete scam artists and I honestly don't know what to do

No longer up to date information.

"Oops! Something went wrong"

Experian & Equifax information is more damaging than helpful.

Not every single credit card payment information has been updated; yet the purchases/expenses have. I feel it is intentional to show more than 29% credit usage and thus lower your credit score!

Transunion-try to dispute online and it tells you an error can occurred to call. Transunion wants to charge a membership fee.

Experian-you can still see what they have listed as your credit score for free. They also provide what Equifax's and Transunion's have as a credit score for you.

I signed up for the spend account a few years ago when I signed up for my credit monitoring account. The credit monitoring service is Alright. They use your vantage score not your FICO score so it's not very accurate but you can get a ballpark figure and dispute things in the app. They only show 2 of the 3 scores which sucks but it's free so what can you do. I had my tax refund deposited into the account for the past two years and it's a nightmare! Their spend accounts are trash. I was on the phone with them every other transaction last year to unlock my card since they kept flagging for fraud almost every time I used my card. I couldn't link my bank account so my refund was stuck in there. This year I got a different account and transferred it all out of it so I can actually use the money. A year later though still can't link my Chime account to it. I don't have time to be on the phone every time I want to make a purchase. It's not Visa either it's credit Karma. My chime card is also Visa and they have never shut my card off on me. Credit Karma spend had me stuck in a restaurant unable to pay the bill while I fought on the phone with them for 45 minutes to unlock my card last year. Would be perfect if you don't like having control of your money but for the rest of us it's a nightmare. You have to call them and spend 45 minutes on the phone to make a purchase. I don't like having to ask permission to spend my money and jump through hoops proving I'm myself several times a day just to use my card. After everything is successfully out I'm cutting up the card and closing the account.

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Basically looked crazy when my card kept getting declined with $100s of dollars on it, never got any notifications on the app, emails, calls, nothing. So i call them upon finally getting through they say my account is under review which they can not explain to me what that even means nor why and tell me that the customer service number agents you speak to dont have access to the info and have to escalate your account to another dept that handles that except they have no phone number or way to contact them you have to wait on some elusive email their allegedly going to send maybe or maybe not aside from the one i got that said there were still np changes or new info to give me after days of waiting for access to my own money so now I'm supposed to just sit quiet and wait for someone, anyone to tell me what has happened with my account, why it's happened and even more importantly wait for an indefinite amount of time to be able to access my own money. So while rent and lights are do and my kids are hungry and the car needs gas I'll just yell everyone i understand your frustration and will make sure they resolve this for you right away the same and only thing the ccustomer service agents can tell you. Smfh. Don't allow this company to touch your hard earned money, you'll be left starving in the dark with no where to live!

Credit karma closed my account after 6 years cause it took the government to long too put the rest of my taxes in my account they closed my account of a -.02 balance now im forced to find another place to do my taxes

I've used Credit Karma for my money for several years. The first couple years I had no problems, everything posts immediately and my money felt safe. This past year I've had constant problems. I go to a store and my card is declined, despite knowing I have the money there. They flag my account so I call in and confirm, "Yes, this is me and I'm trying to use my card." They "fix it" and it happens the very next time. I've also spent 6 different service calls asking to change my address, since it's 3 addresses behind- amazing how truly impossible this simple task is. Why cant I change it on the app I wonder? Anyways, I call support again and they tell me they will send a new card and it will take up to 14 days...
I don't agree to that until she says that I will still be able to use my old card. It sure isn't going to work to wait two weeks for my money that I tried to use, needed to use yesterday and today. So I request the new card and then she tells me oh, you've gotta hook up Venmo or I-Pay or something like that so you can still use your card... None of these options work for me and I feel like I was just bamboozled into agreeing to something that I was very clear went against my needs and wishes. She was unable to connect me to anyone better able to serve me. All these experiences add up to my money isn't safe, I can't even use it! Based on how difficult it is to get to a person, how little they are able to do, and the complete lack of options beyond that I'm forced to deduct that Credit Karma as a company does Not care at all about the people using this company - or their hard earned money! Extremely disappointed and beyond inconvenienced.

I got a checking account from credit karma someone did fraud on my account they said they need to look into it ok normal, it was supposed to take 10 days 8 days later they close my account no reason why, say I will get my funds in 5 business days it's been over a month nobody can tell me anything. Don't recommend a checking account from them deposits take almost a week, can get anyone one the phone, only chat and they can't do anything.

My account was closed while disputing a transaction that left me In negative. I called credit karma and was told to speak with company that claims I owe a balance. I later had no access to the app. I call CK back and I'm told to delete the app and add it back and it should clear the glitch. A rebate check was sent to them. I learned it through a notification but not having access to the account. I call them and asked about money. They said they'd send it to me after they take their money off top. I disputed that and they use the same scripted line. They will send it to a specialist. An email was sent asking for I. D and a full utility bill in order to receive my money. The email was so tiny no one could understand it. I'm still waiting and it's been a month and I'm getting the run arounds. This isn't legal. They are refusing to mail me money that should have went back because it's a closed account!