Arro Card Reviews, The Gamified Credit Card
The Arro Card is a legitimate, unsecured credit card designed to help individuals with limited or poor credit build their history, but reviews are mixed. While it's notable for not requiring a hard credit check or a security deposit, its "gamified" system for increasing credit limits is a point of contention for some users. The card also has a mandatory annual membership fee.
Positive aspects
Negative aspects and common complaints
How does the Arro Card compare to competitors?
The Arro Card is a legitimate and potentially useful tool for credit building, but better alternatives exist for most people:The bottom line: The Arro Card is not a scam, but it's a niche product for a specific audience. It may be a suitable option for those who are highly engaged with financial education and need a no-hard-inquiry card. However, the reliance on the app for growth and a lackluster customer service reputation make it a less appealing choice than many secured cards for those who simply want a low-cost, reliable way to build credit.
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
- CLICK HERE TO APPLY ONLINE
*Subject to terms and conditions
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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