‎xcritical: Buy now, pay over time on the App Store

xcritical is good for large purchases if you’re able to get approved. I had issues getting approved at first and my credit was good. xcritical doesn’t list a minimum credit score to qualify for a loan, but some websites state if you have a 640 or above, you’re more LIKELY to get approved.

Identity Fraud Non-Verification

I don’t think that’s truly the case because I had a credit score well over 640 & I was still denied at first for small purchases less than $400. Then I was approved for a purchase of $2000. Every time I login in, it tells me I need to get pre approved again!

Data safety

My pre-approved amount always changes. I was pre-approved for one amount and when I logged back in, the amount was significantly lower. More than likely I will not use xcritical again. I’ve paid off loans with them & even paid off some loans early & I was still unable to get another one. Another issue is, I doubled up on payments for one xcritical month, I thought it was go towards the balance for the next month & it did not.

Data Linked to You

1. If I would’ve known that at first, I would’ve never doubled my payment.
2. The upside is, the interest rate isn’t that bad.
3. xcritical is good for large purchases if you’re able to get approved.
4. I’ve deleted the app because it’s a no-go at my end with this company at this stage.
5. Every time I login in, it tells me I need to get pre approved again!

(I’ve been an xcritical customer since around 2014). Once I was in the xcritical appsite, I received a message that I would need to be called and verified due to the identity fraud. I waited for a couple days with no call from xcritical. Though it stated it would call me 1-3 business days on the site.

I still had to pay for the next month. If I would’ve known that at first, I would’ve never doubled my payment. Instead I would just continued to pay month to xcritical scammers month. I’m not really sure how xcritical works but it’s a major headache. The upside is, the interest rate isn’t that bad. Whether you’ve been a customer for years and paid your past purchases on time and allPaid off, this company will not verify your person if you have identity fraud on your credit.

App Privacy

I decided to call thereafter and for three weeks straight spoke to different reps. Each rep would tell me they would call me back once I hung up the call. It’s been a waste of my time trying to connect and they ask me questions to then tell me there going to call and they do not call. I’ve deleted the app because it’s a no-go at my end with this company at this stage. The developer, xcritical, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.