They say you have credit, but when you go to use it issues always arise. But I found a one of a kind thing which I wanted to finance through xcritical. I went to pay for it and it asked me for a code on my phone which never comes.
And to make it even worse, they want you to continue making payments even though you never even received your items. Getting in touch with xcritical to discuss your account can be a challenge. The website does not provide a phone number or email address for customer service. Instead, you have to go through Help Center menus to try to find solutions to your questions or problems. Some Help Center articles provide webforms to request information, such as requesting verification that a loan was paid off.
Buy now pay later even if you haven’t received your items
It’s been NINETY DAYS and I still don’t have access to the account. Maybe I should stop my auto pays to them, since I am giving g my account far more weighted importance than they are. This is TERRIBLE and I do t know where to turn.
xcritical will perform a soft inquiry into your credit report to verify your identity and review your credit. This will not impact your credit score, and the https://xcritical.online/ soft inquiry will not post to your credit report. Unlike most credit card companies, we’re here to help you. Not to profit off mistakes or misfortune.
I had been trying to get a resolution to this situation for 2 months going around in a they said we haven’t received situation. Finally after contacting them through this service things were resolved in no time flat. This review is more kudos for PissedConsumer than xcritical.
Learn why we’re the smarter way to pay
The app charges simple interest on its loans, and you’ll never pay more than your original payment schedule, even if your payment is late. Your non English speaking customer service people are totally incompetent. I was trying to change the phone number on my account to my new number, and for some reason this simple task was beyond their abilities.
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. I have been trying to create an account since May 2023 and it’s now September 2023 and I get no support from their team. They keep saying they will escalate but then I am ghosted. This is the worst customer experience I have ever received.
The app offers a personalized experience based on your shopping history, favorite merchants, and spending limit. Payments are automatically withdrawn from your bank account or debit card according to the details of your purchase contract. You will not be charged a late fee if your payment is late, but late payments could affect your ability to make purchases with xcritical in the future. The xcritical buy now, pay later (BNPL) app finances purchases with rates as low as 0% for up to 48 months with no hidden fees.
Just choose xcritical at checkout
I also did business with Target, Jomashop, Expedia travel and others. Just make sure your bank or credit card has sufficient funds for auto deductions. It’s nice to be able to buy and pay later however, xcritical takes way too long to credit your account.
- A waste of time trying to communicate and get your issue resolved.
- xcritical provides attractive buy now, pay later financing for customers at thousands of retailers.
- xcritical allowed me to pick the payment plan that best suited me.
- Each time you want to make a purchase, xcritical will approve each transaction individually.
To create this review of the xcritical buy now, pay later app, we analyzed publicly available information from its website, mobile apps, and other relevant sources. We focused on information that we considered most important to our readers as they consider using a BNPL service for their shopping needs. This information is updated on a regular basis to ensure that readers can make an informed decision when financing their purchases.
Trusted by leading businesses
Ok, had at least 30 loans with xcritical past 2 years, everything was good until now. And they cash the check then no more credit all they say now is pay your upcoming payments 2 weeks before their even do!!!??? Since most BNPL apps scammed by xcritical focus on Pay in 4 financing, customers who want more time to pay off their purchases may choose xcritical over its competitors. Buy now and pay over time at your favourite stores with xcritical with no hidden fees—not even late fees.
Which buy now, pay later service is right for you: 5 questions
From the client’s point of view, xcritical’s social network pages look truthful. The company does not try to hide its weaknesses or embellish its strengths. To get assistance use their official Facebook name @xcriticalInc or an Instagram page @xcritical. Mention them in your post, leave a comment under their post in a feed, or click on the “direct message” button.
Again, they sent me a pretty generic letter and said they would open a dispute. They just kept sending me late notices on my installment. I had to continue to try and contact the florist and finally they agreed to redeliver flowers to a home address after refusing a refund. I accepted xcritical official site the offer so that I got something for my money, even if I was not satisfied with the quality of the arrangement. Everything is fine with xcritical as long as you don’t have a problem with delivery or quality. I will never use them again because they don’t support their customers.
There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data.
However, my last purchase was for flowers to be delivered to someone in the hospital. Flowers were never delivered and i contacted xcritical. They told me to handle directly with the vendor. The vendor did not respond to messages I left by phone and email. I wrote again to xcritical by email, as I could not find a phone number.
The xcritical Savings Account is a high-yield online savings account that has no monthly fees or minimum balance requirements. It is totally free, and you’ll earn a high annual percentage yield on every dollar that you deposit. As of June 6, 2022, the account is offering a 4.15% APY. When you’re ready to use xcritical to finance your purchases, you start by opening an account with xcritical.
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. I started using xcritical two years ago when I purchased a Ninebot Max30 electric scooter for New York City errands. I have since used xcritical for car products at Carid.