Review:I would highly recommend against the Venmo Credit Card. Synchrony Bank (Venmo’s parent company) will continuously take all of your money in fees and interest, and if you ever actually have an issue such as a fraudulent charge, their customer service is appalling and they have clearly shown that the customer does not matter. In my case, I had a fraudulent charge of $1,400 against my Venmo Credit Card. When I reported the fraudulent charge to Venmo, they initially refunded the fraudulent amount back to my account. During the investigation, I even pressed charges with the police as my card number was used in Pennsylvania while I was at home in Georgia, and they found the woman on security video using a scammed card with my Venmo Credit Card number. However, after Venmo’s “formal” review, which took around 60 days, Venmo reversed their decision and charged my account the full amount of the $1400 fraudulent charge plus ALL accumulated interest from the $1,400 fraudulent charge, and Venmo had since refused to provide an explanation as to why they reversed the credit of the fraudulent amount on my account. Since then (March 2023 - so going on 9 months now), Venmo management has continuously refused to explain why they reversed the credit to my account after 100 different attempts to speak with customer service via phone calls, in-app chat, email, and even a written letter. Never have I been treated this way as a customer by any credit card company or bank, and since then I have filed multiple disputes (which I recently won one of the disputes) with each of the Credit Bureaus. Besides this awful experience with Venmo, the card itself has insanely high interest, ridiculous fees, very low chance of receiving a credit line increase, even with a credit score of 755, and ABSOLUTELY AWFUL PATHETIC Customer Service (if that is what they want to call it). Their customer service representatives are rude, the managers / supervisors are even worse and actually talk to you, the customer, as if you are an idiot. On more than 1 occasion, I had a supervisor yell at ME for requesting the documentation from Venmo’s “formal review” of the disputed fraudulent charge, which was vehemently denied by Synchrony Bank. All in all, I would HIGHLY RECOMMEND TO STAY AWAY FROM THE VENMO CREDIT CARD! DO NOT GET A VENMO CREDIT CARD! There are so many better credit card companies, and Venmo Credit Card is by far the absolute worst company I have ever had to deal with. STAY AWAY FROM THE VENMO CREDIT CARD!!!
