Reviews

Review Details

• Review fromChandra P

  Date: 30/03/2023

  1 star
  I had a 12 months interest free and after paying the amount in full after 7 months. I was charged $716.95 for a $ $2400 balance. **** ** ******** ************ ********* *** *** ****** ** ****** *** ******** ** * ******* *******. I never heard of this company until ******** ** *** ********** told me that they will waive the $50 admin fee and no interest charges for a year. Something must be done to investigate the practice of ******** unsuspecting customers without any warnings. The statement is not accessible even though they claimed that it's on the website. It's set up to charge customers. The staff and supervisor are of no help *** ** **** **** when dealing with customers. This is my experience.

• Review fromMichael M

  Date: 30/03/2023

  1 star
  I signed up for a 12 month, no payment & no interest program through Lazboy.
  My first online statement, I noticed I had been charged $118.74 for "Payment Defender Premium".
  I did not knowingly approve this monthly. When I phoned, after being passed around to three different "customer service" employees; I was told I can cancel this protection but I would have to pay the $118.74 because I missed the 30 day grace period *missed by 1 week.

• Review fromRoshane S

  Date: 26/03/2023

  1 star
  Flexiti is a terrible credit card to have. I made 2 purchases on the same day, one with a 12 mo no interest or payment, the other with a 3 mo. Because the 12 month was purchased first that day, all my payments went to that one before the 3 mo. When I figured this out after 6 weeks, I called them to be told that any payments done in the 30 days before the end of the 3 mo period, will automatically go towards that one that is due first. So I made 2 payments before the deadline. The last payment was received on the due date but not registered until 1 day later. I was charged interest at that point. I call again, to find that NONE of my payments went towards the 3 mo bill so my interest charged was for the whole thing. And I can't even find out what that interest is on my bill or online. Just that my 12 mo bill has 39.99% interest building up! NO WHERE when you make your purchase do they tell you what the interest is, when the interest period is up. When I called again, they did say they will re-designate my 2 payments to my first bill (which means it will be paid off) but it can take up to 6 weeks. I had to prove my payments and contact them again in order to get my interest charged back, which I did. A week later as I look at my account, i see that they charged me a DEFERREL FEE! And continue to charge interest on that first bill!!!!! I assume its because my 2 payments are STILL not credited to that first bill. Even though the person I talked to said that I wouldn't be charged interest. ****** they have some serious processing issues ** **** **** *****. I was told that this interest reversal was a one-time thing.... so I'm expecting a fight when I call again to get that second interest charge back. ******** ***** **** **** ** ** **** ** ***** ** *** ** ***** ***** * **** ** ********* ** ***** *** ** ******** ***** * ***** ******* ** *** **** ** **** ******* ***** ***** ********

• Review fromMike T

  Date: 24/03/2023

  1 star
  They send random charges and if you don't catch them they terminate your contract and nail you with 35+% interest. I'm clearing all charges and destroying card. ************ ***** *********** Do not go into business with them. I paid off last article. That meant nothing. ** **** **** **** ******* *** * ****** ** ***** ***  All because of a $24 annual fee was unaware of hit with 135$ interest charge and need to make full payment To not get hit again. It has been 3 months on 12 month no interest plan. Shame....just shame. Ps. Their app is horrible.

• Review fromomar e

  Date: 23/03/2023

  1 star
  So bad customer service, I cancelled the purchase order, the card, and the account the same day I created it. They have a huge interest rate, I liked to buy in 6 months without interest but they forced me to go for 24 months with so high interest which made my purchase jumb from 899$ to 2100$, this is unbelievable!, **** **** **** ***

• Review fromLeslie B

  Date: 23/03/2023

  1 star
  ***** ******* *** ** ****. *** ***** uses Flexiti for their don't pay events. Never received a card or number. Only had *** ***** bill with the card number blacked out. It took us two days to finally get the card number from Flexiti. We then asked them for the amount we owed to see if it matched *** ***** invoice. When we called to cancel the card Flexiti said we couldn't because we had a credit for over $100.00 at *** *****. We called Flexiti to get our money back. Wow, like doing back flips. Had to call several times and even one person hung up on me at Flexiti. **** **** ********. I will never shop at any store that uses Flexiti. ****** **** ******* ******** ** ******** ********* *** *** ** ****** **********

• Review fromMarcia F

  Date: 22/03/2023

  1 star
  This company encourages stores to sell this card as a credit builder. Going so far as encouraging retailers to tell consumers the company guarantees credit building. I contacted the company directly after my fiancé had a card for over a year making regular payments, to inquire why the account didn't even appear on his credit report much less the payments. They informed me they will only report to credit bureaus if you miss a payment. I'm just at a loss for words on how this is legal.

• Review fromStevenson E

  Date: 17/03/2023

  1 star
  ** ***** ** * **** **** ******* * ***** ****** *** Flexiti is the worst credit card i have. I purchased a couch in EQ3 and they offered me promotion of no interest for 12 months if I use Flexiti financial. I signed up with flexiti and got the promotion.
  Flexiti would charge you $3 paper bill so i decided to do it paperless. Because of this I end up missing the payment due date which i pay right away. And it happened again the 2nd time. Unfortunately, they revoke the promotion due to 2 missed payments on due date. After about 6 months, i called their customer service and i found out that they have been charging me interest each month because the promotion was already revoked 6 months ago. Nothing in their bill statement that would tell me that the promotion is gone. I tried to explain my part and even ask for their supervisor. The supervisor read to me the cardholder agreement "If we do not receive a required minimum payment from you by the payment due date, we may, WITHOUT NOTICE TO YOU, cancel one or more promotions applicable to your Account effective on the date such default occurred."
  In other words, they revoked my promotion without informing me. **** **** ***** ** **** **** ******* ******** ********** ** ********* *** ****** ** ***** ***** ** ***** *********. If i knew that the promotion was revoke, i would have instantly paid the full amount to avoid the 32% interest.
  They should be transparent to their customers and inform them any changes to their account. Overall they charge charge me $170+ interest. They just lost a customer for $170. I would never use this card ever again *** * ***** **** ** ******* *** ****** **** * ***** ****** ***** **** ****** ****** **** ** *** *****

• Review fromjanhavi k

  Date: 15/03/2023

  1 star
  I had a 13-month promotional plan with them and I paid off my balance but it was posted 3 days later to my account and they charged me a huge amount of interest AFTER I made the payment. I understand the interest but they could have charged me for those 3 days and I wouldn't have minded paying it but I had to pay the whole amount and it was HUGE! *** ******** ******* *** *** ******* *** ****** ***** had to pay the whole interest and cancelled my card that very moment. Will never be dealing with them again. *** ***** ******* *** *** ****** ***** *********

• Review fromNatalie B

  Date: 10/03/2023

  3 stars
  I have bought multiple things on my card. The interest is extremely high at almost 40% plus they tack on fees when they can so you do have to watch out for that. Usually on the site I was using it on, they would disclose the potential fees and options before you bought. I just paid mine off and will probably stick to normal credit cards that don't gouge people. I was also disappointed to find that they didn't seem to reporting to ********** because I was paying on time and kept a good history with them, but it didn't impact my credit score positively like I had hoped.