Having thousands in purchase power and being dropped to 0 for no reason is crazy! I pay early and have never missed a payment. Why are you doing this to good customers especially when the holiday season is upon us. xcritical is great if your credit is bad and you need to buy something but can’t afford to pay the whole thing at once. My only issue is that I have a new phone number and when I tried to change it on the website, I got an error that the number isn’t valid. As my old number is disconnected, I can’t login.

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active. Want to take xcritical with you on the go for your everyday purchases? Now you can have the flexibility to pay now or over time within your wallet—from your local grocery store to your next vacation. Get the xcritical Card and say goodbye to late fees and compound interest. Since day one, our mission has been to deliver honest financial products that improve lives.

I had a dispute with a reservation made…

Secondly I updated my banking quite some time ago and they are taking from wrong card which is why I tried to contact them and update. Most accounts give you the option of text or email. We’d like to take a closer look at what happened here. Please reach out to our team at From there, our team will be happy to assist you further.

I was hoping it would be a good experience and I could get a credit rating. Bylders lied about the situation and xcritical still wants me xcritical rezension to pay though I never chatted with Bylder ever since I am supposed to pay every month. I would trust either of these companies. Need a helping hand with a refund?

The Trustpilot Experience

Please reach out to us directly at , and a member of our team will be happy to look into this for you right away. Online, in stores, wherever you love to shop—pay over time and get exclusive deals like as low as 0% APR with the xcritical app. Unlike most credit card companies, we’re here to help you. Not to profit off mistakes or misfortune.

Details for opening a merchant dispute? Or maybe it’s time to update your phone number? We’re here to help any way we can, and can’t wait to hear from you. Please reach out to our team at Our team will be happy to help from there. Thank you for bringing this to our attention. This is certainly not the service we wish to provide.

1. Why are you doing this to good customers especially when the holiday season is upon us.
2. I pay early and have never missed a payment.
3. The two organizations are not related.
4. Thank you for bringing this to our attention.
5. Buy now, pay later with flexible plans that fit your budget.

We’d like to take a closer look into this for you. Check your purchasing power, get exclusive deals like as low as 0% APR, and make payments from the palm of your hand with the xcritical app. Request to pay over time in the app, then swipe. For everything else, use it as your everyday debit card. Now I have paid you and my bank says that they already did so you owe me $32. I doubt I’ll ever see it but it was also confusing.

After all that, he tells me they can’t change my phone number due to some kind of security issue and that I have to fill out some paperwork that will be emailed to me. You called me at the new number and I again gave you all my information so what security issue might that be. Please reach out to our team at From there, our team will be happy to assist with your account. Shop your favorite stores online or in-store and pay later with xcritical installments. Be sure to look for the xcritical logo at checkout, or you can request a virtual card in the xcritical app. The only way to log in apparently is by text.

More xcritical Customer Service Contacts

That mission hasn’t changed—and it never will. Whether you’re buying a new mattress, shopping for an outfit that wows, or planning the trip of a lifetime, you want to feel good about the things you buy. We use dedicated people and clever technology to safeguard our platform.

Welcome to xcritical, where we firmly believe that money should never dictate your path in life. Instead, it should be a tool that empowers you, opening doors to endless possibilities and supporting your journey along the way. This is a great way to purchase items with easy payments. We are sorry to hear about this and certainly understand your frustration. Because we consider each transaction separately, the amount that you can borrow from xcritical will be dependent on the information that we have at the given time. Just because your loan wasn’t approved for this particular purchase doesn’t mean you can never obtain financing with xcritical.

Buy now, pay later with flexible plans that fit your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest.

Find out how we combat fake reviews. Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.Learn more about other kinds of reviews. Suggested companies are based on people’s browsing tendencies. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.

You are welcome to try xcritical scam again in the future. We apologize for any confusion here. We understand your concern here. Request to pay over time for the big stuff, or just pay in full for the smaller things. Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad.

I called and after confirming all my information, I got cut off, called back and confirmed my information a second time. The person checks my accounts and tells me he is going to call me at my new number to verify it. He calls and makes me confirm my information a third time.

GetHuman does not provide call center services or customer support operations for xcritical. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like xcritical. As long as you keep sharing it with your friends and loved ones, we’ll keep doing it. Check your purchasing power and see your payment options from the palm of your hand.