One of the weirdest and shadiest experiences I’ve ever had. We were approved same day with credit scores of 830 and 819. We scheduled notary closing and while cumbersome we finished up. Then we received our cards. A few days later I got an email from some guy named Jarryd and he told me they’d like to have all the paperwork from our previous mortgage and home equity loans over the past 26 years. I asked why and he said to verify there are no open liens on the home. I informed him that could easily be found on credit etc but they insisted. So I closed the application. My advice stick with a traditional lender with real and normal customer service and defined processes. This company is just weird and shady. Avoid!

Very shady company. They promised $250 if they can't beat your existing HELOC rate. I applied, and the rate they offered me was 5.5% higher than my existing rate. I submitted my statement to prove to them that my existing rate is a lot lower than what they're offering me. Their response was that my HELOC loan and rate is from 2022!! What a bogus company and shady false advertisement!

90% of the stuff you do with Aven is online. The other 10% is done with friendly, personable folks. For me it went mostly smooth even though I didn't activate my card until six week after I got it. Aven offers a standard credit card and they offer a different card with lower rates that's secured by your home equity. That's a BAD MOVE if you're not financially responsible and very diligent about reading the fine print. Swiping a card (and risking getting skimmed) that can cost your the roof over your head is risky at best.

I just wanted a personal loan to ditch SoFi and get a better interest rate. Went with AVEN for a better rate. Didn't realize the whole amount would be on their credit card! It tanked my credit score by about 150 points! So lesson learned NEVER take a loan from a company that offers what they call a cash-out. It puts the card at 100 percent credit usage and It will TANK your credit score. IT AFFECTS YOUR CREDIT USAGE PERCENT BIG TIME! and KILLs your credit score...

For the Aven Visa card account, neither the web site nor the cell phone app provide any way to download transaction history for the previous year to assist with income tax preparation. Monthly statements may be downloaded but only as pdf files. In general, the web site and the cell phone app provide "bare bones" functionality compared to other credit card sites.

Updated on 01/17/2026: Customer support finally responded to an email 4 days later, hey, that's better than nothing. I thought they ghosted me. We will see if they actually follow through. This kind of response would be a big problem in a case of identity theft or fraud when you need help quickly.

The worst customer services ever. They do not know what they are doing. The fee was much more that originally. I took almost 3 months (too many cooks doing the application). Online notary. I wished I never did this. I am deaf and they keep calling me voice repeatedly. I complaint about this. I have video replay every time (more than 20 times) they say they fixed.

So lame Aven limits existing customers to 1.5 cash back but someone new can get cards with 2 % cash back and 6% on groceries. I guess you never learned it's cheaper to keep a customer than get a new one. I'M LOOKING FOR A NEW CARD. THIS IS A JOKE.

I had just opened the account and they were so easy to talk to at that time. As soon as it appeared online in November, I made my November payment bc I wanted to get it done. Then, in November, they sent me a text that my November payment was due, which I had already made. They said I paid too early! I called and explained 3 times. They said they would get back, which they didn't. I paid anyway bc I didn't want a late pay, which was actually an early pay and a double pay. They are horrible. GO WITH ANYONE ELSE YOU CAN FIND!!

RUN AWAY - DO NOT USE THIS COMPANY.