Tally alternatives

Falsely advertised as a “no fee” card and then began charging fees after two years of on time payments and <10% credit utilization rate. Avoid at all costs, they take advantage of people with little credit history.

Lot of the reviews here seem fake/shady (Say similar stuff, posted on same day, the type of word choice) But either way, Mercury so far has been working fine for me. CS seems to respond within a day or two. Initially had issues with larger payment, msged them and needed to see invoices of that larger amount to permit it. Once done, things have been working. Just sent wire to my international vendor and it seems to have gone through quicker than expected. So far so good.

I use Affirm for my Peloton loan. My biggest issue is that I can't change the date on when the payment will be taken. I would actually like it to come earlier in the month because I submit a receipt for reimbursement via my company's health benefit, but it's not an option in Affirm. Pulling receipts could be easier too. I also had an issue where I got a new phone number, and it logged me into the account of the previous owner of that phone number, giving me his name, email and address. Not good.

Really love the concept: building credit by using bills you already pay. Simple and powerful. I think this service could be extended along some useful lines to include complementary services. I tried the app... onboarding process was simple. Glad to see Stellar leveraging Plaid for connecting to all my accounts. The concept of a credit simulator is interesting. Received an error when simulating one specific scenario, but otherwise worked great in modeling different actions. Powerful tool with lots of potential. Will definitely recommend to people I know who are having challenges building credit. Think this could help a lot of people.