5 months on, disputed charge still not solved I disputed a GooglePlay charge. I did buy the service (a feature in an app) but was it never delivered. The developer didn't respond either. After disputing the charge, maybe 5 months ago, the dispute still hasn't been resolved. Would recommend to give up the card entirely.

Payments processing It will be a great choice to opt for this card, for those who just start building a credit history, especially International Students. All great except that it might need little update with the card payments processing. Like, if card payments gets processed and account reflect with updated balance instantly or at max in a business day.

Good for international students I've had a Deserve credit card for 3ish years now and I haven't had any problems yet. The cashback is a little low (1%), but overall Deserve is a much better option than what you would usually get if you're an international student or otherwise don't have a SSN. They also seem relatively generous about how often and how much they'll increase your credit limit if you never miss a payment, as I have. Would recommend.

Great starter card Great starter card. I am a college student with zero credit history. I applied for a few cards before I head about education cards for students like myself. I wanted one that had ok benefits, but more than anything, wasn't going to take my money. This card gives me 1% cash back with zero monthly/annual fees. It also sends frequent reminders letting me know my payment is due soon/has been received, etc. After one year of use, I have no complaints and I recommended it to my siblings. App is a little janky, but nothing you can't figure out. Overall I'm very happy with it.

Nice Yet Small Credit Card Company Limited operating hours. Payments can sometimes post late when you pay them the day before or on due date. I recommend to always screen shot your payment with date time and confirmation code, to send ad proof if there’s an error of payment posting on time. They are friendly and they do work well to resolve issues. I do like the app. Charges are immediately push notified to your phone. Balances seem to always be real-time. Card can easily be paused on app within 2 seconds.