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Directcard.com

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Directcard.com Reviews

• Aug 24, 2026

Credit card site took my money and stopped answering

I signed up for a credit card on directcard.com and got approved. Then the site kept saying my application was delayed because of the number of applications they had. I emailed them a few times and got the same response every time.

Finally I told them I was going to report them for fraud. That's when they replied saying they couldn't approve the application and my funds would be returned after a 30 day hold. That hold expired over two weeks ago and I still haven't gotten my refund check. I paid $95 and they just stopped responding to my emails.

• Aug 13, 2026

Credit card offer with no real company behind it

I signed up for this card through directcard.com because I have a low credit score and they promised a $300 limit. It seemed like a good deal at the time. The website looked okay and they had a phone number, (877) 419-8646, and an email, [email protected], so I figured it was legit.

I paid the $95 fee and never got a card. Just nothing. I tried emailing them and calling that number but no one ever answers. The address is just a PO Box in LA, PO Box 844146, Los Angeles, CA 90084. I feel stupid for sending money to a website that probably doesn't even have a real office.

It's been a few weeks now and I'm pretty sure I'm not getting that money back. They just took my $95 and disappeared. I should have known better.

• Aug 09, 2026

Paid $180 for a card that never worked

Applied for the card online and paid the 180 bucks. When it showed up, I couldn't activate it no matter what I tried. Called customer service a bunch of times, never got anyone on the line.

Emailed them to cancel and refund my money. That was 3 months ago and still nothing. No refund, no reply, nothing. This is a scam for sure.

• Aug 07, 2026

Credit card offer that charged me and never sent the card

I was looking for a credit card to help me re-build my credit and I found this offer online. I applied and got approved for $300, they said with regular payments my credit would go up. They asked me to pay a fee of $95 first, so I did that. They told me I would get the card in 7 to 10 business days.

Well, I waited 20 days and nothing showed up. When I called, they said the card had not been processed. So I canceled it and they told me I'd get a refund in 7 to 10 days. Waited about 3 weeks and called again, got the same answer. After I canceled, I couldn't even talk to a real person anymore because I didn't have a card number. I tried emailing them but of course that address they gave doesn't work.

Then they tried to take another $35 out and I got a fraud alert on my account. That payment went through and it cost me an extra $20 in overdraft fees. So I'm out the $95 plus the $20 and never got anything from them.

• Jul 18, 2026

Applied for a credit card months ago and still nothing

I applied for a credit card back in April and they told me I would get it around May. May comes and goes, no card. So I called them and they said the company was new and to give them some grace, the cards would be there in a week or two.

That time passed so I emailed them and they said give it a few more weeks. Then nothing. Then they said wait until the end of the month. It's been almost three months now and still no card. Now the phone number doesn't work unless you have a card number and the email address is showing as not existing. I lost 95 dollars on this.

• Jul 13, 2026

Paid $95 for a credit card they never sent me

I applied for a credit card through directcard.com. They made it seem like I was approved. First they had me pay some activation fees and other stuff. It came to $95 total.

Then I waited a long time. When I called to check on when they were mailing the card I just got the run around. They kept saying it was coming. Finally after all that they told me I was not actually approved. And now they say I have to wait another 30 days before they will supposedly mail back my $95. The whole thing feels like a big scam.

• Jul 06, 2026

Approved for a credit card then told I was not approved after paying fees

I was approved for a $300 rebuilding credit card and had to pay a $35 application fee and a $60 processing fee. I paid that on May 22, 2026. I allowed 14 business days for them to process my card and called once and they gave me this story that they were a new company and it was taking longer.

So I waited 2 more weeks and called back on the 29th of June and they told me that I can expect my card to be mailed out by the end of the week. I logged into my account today and received a message that said I was no longer approved and could expect a refund by check in 30 days. Now I am afraid that I will not receive a refund.

• Jun 15, 2026

Approved credit card never came and now they want my Social Security number again

I applied for a credit card on directcard.com and it got approved. They took the fees out of my bank account, $90. Then a good amount of time passed so I emailed them asking about when the card would arrive. I told them I was leaving for vacation and wanted to have it before I left.

They wrote back saying it was still processing and I would get a notification when it shipped. That was about a month ago. I have been emailing back and forth with a few different people there. So I asked them to cancel the application and give me a refund.

Now they sent me two emails asking me to verify my full name, email, phone number, and last four digits of my Social Security number. I told them again I just want it canceled and my $90 back. They keep beating around the bush and not doing it.

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This content is based on user-submitted reports. Scammers may misuse the names, websites, and contact details of legitimate businesses. The mention of a business does not necessarily indicate its involvement in fraudulent activity.

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