BrightWay Reviews

I received over 20 texts and emails this past week reminding me that my payment was coming due. The payment was scheduled in their app a week previously. After all of the harassment, I tried to log into the app and move the date of payment up. The app will not allow me to login any longer. It will also not send a password reset link. I called Customer Service, spent half an hour on the phone with someone who continued to blame me and my devices for the fact that I could not access their app. I was told to try another device. I tried four devices. I deleted the app. Waited an hour reinstalled the app and still was unable to login. I called customer service again. Only to spend 45 minutes on the phone being blamed for my devices and the fact that I could not login, the fact that I could not login on their website, which provides a message saying that online login is not available, please use their app.

Brightest card is the worst card ever!!!! They will give you a late fee because there is no grace period even hours after the due date. It is unfair to the customer in every way. I do not recommend this card to anyone. Be aware this card will take all your money and it doesn’t matter what you may be going through in your life!!!! Hate you Bright Way!!!!

This credit company sucks, I made a payment 2 days ahead of schedule on a weekday and they charged me a late fee and held my funds for 7 days because their system takes too long to process payments and they also then put fraud alerts on your card not once but twice in one day while using your card in the same area code as home and the customer service reps have no clue on how to resolve any of the issues (which they are causing), that you're calling them about and they just keep you on hold until l you get tired of being on the phone.

This company is the worst when it comes to disputes. I had a charge to my account in which the merchant agreed that it should be reversed but because I put in the dispute with the card company first - the merchant could not reverse the charge. It is taking this company 90 days to resolve this, with a letter from the merchant. I work in finance and have never seen this type of delay and pushback from assisting YOUR customer.

I am at my six month in and should be receiving my incentive now after I just made my six payment yesterday. It alerted me this morning that I will be able to choose my incentive before my next billing cycle. I have had no issues with this card yet. I started off with a credit limit of $750. From what I have read, my choices for my milestone graduation will be either lower APR or higher credit limit. Haven’t decided yet, because then I get to choose again in another 6 months yet again! I do know they won’t let you get lower than 19.99 for an APR, so do keep that in mind.

I am a Brightway customer. I have NOT had the negative experiences that everyone is posting about. I am at month 6 of on time payments and should receive some incentive. I have not gotten it yet however I will update about it once I do.... What I will say is that the card payment processing has been straightforward. The credit limit is low. At least they do offer an incentive (I have been with Capital One for years and they have never offered me anything... Just saying). I hope that everyone who is trying to maintain their credit finds their way. It can be tricky out here.

Four months ago I closed this with a .29 credit balance. They sent a check for .29. I never heard from them again. They charged me .50 per month totalling $2. Today, I was notified by Experian that they turned my account over for non-payment lowering my score by 45 points! When I called, they said that was not their practice and I should never have been charged that fee. This is fraud!

Worst card I've ever had. First time using the card after activation: Declined. Received a text and email asking if it was me using the card. I select "yes", transaction goes through. Attempted to use it the next day for around $50 in groceries. Declined again. No text or email. App says there's a fraud alert, so call the number provided. It says no fraud alert. So I call support. After long wait times, I opted to let the system call me back. It didn't. Called support again, twice since the 1st time the rep dropped me on the 'fraud verification line' that already stated there was no fraud alert, and they can't figure it out and said it would be 5-7 business days since the issue had to be escalated.

BrightWay credit card has recently undergone system issues which have negatively impacted payment posting times, credit reporting as well as available credit. All they say is they are working on fixing all of this with no eta. This is the reason I gave them 1 star. Would have given them zero if I could!

This company is unorganized, unprofessional and as crooked as it comes. My payment was due on 1/16/25 and my payment posted to my account on 1/15/25 (per the company's mobile app). They have now charged me an LPC. When I called to dispute the charge on 1/17/25 I was told that due to a system update there was nothing that could be done. I was also told that any payments made through the mobile app the company cannot see. Say what??! Yes, that is what she told me. Since my issue had not been resolved, I requested to speak with a supervisor. I was placed on hold, only for the representative to tell me that there was no one available. She took my phone number and told me that someone would call me back.