Grain: The Digital Credit Card

This is a legitimate and much needed service to those of us who are beginning, rebuilding or strengthening credit due to life experiences. I can say with the utmost confidence, no hard credit inquiry is performed as when I applied, I did not receive an alert from Experian, TransUnion or Equifax. I Live in California so it’s a state this product is currently available in. The developer as a courtesy should list the states it’s currently able to be offered in as to prevent frustration from applicants who apply and are approved only to then be informed, it’s not available in their state of residence. Application to approval for me was done in less than 10 minutes. Very streamlined and did not have to upload any documents or take photographs of my identification or selfies to verify identity. This product utilizes checking account data to analyze and assess cash flow as well as other banking behaviors in seeking to match the best credit line possible. Bear in mind nothing is ever guaranteed in life in the event a decline is received. As with any credit product, the customer will be given the reasons for a declined application. Common sense would have it if customer has positive bank account history, then approval is more likely than not. Thanks a million to the person or people who created this financial product.

I don’t even know where to start on this review. I’ve been trying to work with these folks for the past few weeks, but I wasn’t able to because I live in WA. The company was only working with 5 states at that time and now they’re going nationwide. I got approved in a matter of seconds for actually a real credit account. I highly recommend this for people who trying to work on their credit score because many banks won’t work with you with a 600 or lower unless you apply for the secured credit card. These folks are giving people like me a chance with a real credit card which is going to be your regular daily basis debit card. UNBELIEVABLE! I did have some technical issues when trying to connect my bank info, because I applied with a different email address the first time. I called customer service and it was fixed in less than 5 minutes. It was a black dude on the phone, did an awesome job man. After you get approved for a line a credit, people please make sure you’re responsible of your account and make payments on time. Stuff like this ain’t easy to find. My name is Germain by the way. This company deserves some LIKES, SHARE, THUMBS UP, and GOOD REVIEWS. ❤️❤️❤️

I have a 619 middle fico score. I recently applied for a Citibank secured credit card. To my surprise I was denied. I spent the last 3 years paying off debts and now I had no way to build positive reporting history bc I kept getting both inquiries on my report and subsequently denial letters. This app solves that issue. The approval process is based on your ability to manage your checking account and not your credit history. I was approved for a $1,000 unsecured line of credit!! This will allow me to build positive reporting history without another inquiry on my credit report. This app is a GAME CHANGER!! When you apply they ask to connect your bank account and it will give you results instantly! You can accept or deny the offer before they even ask for your social! The payments report to all 3 credit bureaus so its a huge bonus for anyone building their score or new to credit. This is a great starter account for anyone new to credit! This app will also allows you to see your credit score and gives you tips on how to build your score up! I love this app, it came at the right time and a few months from now I should be a home owner!!!! I’m excited to share this app with everyone I know who is rebuilding!! RECOMMEND IT TO EVERYONE!

As many others in the US, my credit is not so good. I have decent income, but due to some blemishes on my file, I can’t get accepted for traditional credit cards or lines. I came across this app on Facebook, and within 5 minutes, I was accepted for a $1,000 credit line, WITHOUT A CREDIT CHECK! Sure, not everyone might get that same credit line, but for me that’s more than enough. (Disclaimer: As with any credit decision, approval is not guaranteed.) What I like about this is that they report to all three credit bureaus, which will help anyones credit score go up. So this would be great for people just starting out on their credit journey as well as those who have bad credit but need credit to report in order to increase their score. This is not a credit card, it’s a credit line. Use it for daily expenses, pay it back, and BOOM you will see great results. Also, THEIR CUSTOMER SERVICE IS A1!!!! I reached out to them at 1 am EST and got an immediate response. Their crazy for being up so late, but that just shows how dedicated they are. I am eager to see where they go with this, and am happy to be on board with them. Thank you Grain!

I honestly love the app and what it is truly all about. They have given people the opportunity the build their credit in a way that is safe and easy to understand. I have never been MORE excited to build my credit and this app is 100% the reason why. One thing, when you do a credit withdrawal and they become pending on the main screen, I’m not sure if it’s a bug but when I click to see details it just keeps loading. Just wanting to give some experience from a customers point of view! The withdrawal goes through and I receive an email. It’s only after the withdraw is made that I can’t see the details. Thank you again Rudy