"36% interest rate"

36% interest rate. Steep annual fees. Increases as your limit increases. Glad I was declined. Go with Merrick Bank or Credit One if you're that desperate for a credit card. Avoid Fortiva. 36% should be enough to turn you away. It's despicable.

"Do not use this company"

Do not use this company! They don't have anyone at their call centers that speak proper English. The whole company stinks! If you can't speak proper English you shouldn't have a job in customer service!

"DO NOT DO IT"

DO NOT DO IT. THIS COMPANY IS FRAUDULENT AND HAS PREDATORY LENDING PRACTICES. CUSTOMER “SERVICE” will hang up on you if you ask any questions.

"Do not get this card...!!"

Do not get this card...!!! My payment was 3 f---- days late. I always do a phone payment but when they didnt get the payment on the due date, they went in and TOOK the payment without authorization. How the HELL do they get away with this. Im refinancing and planned on paying the card off but now im gonna be closing the account due to fradulant activity on There part. They dont have the right to access someones checking account without permission. Now I have to file a law suit against them. DONT GET THIS CARD...!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

"To many fees I paid off my balance and…"

To many fees I paid off my balance and they keep charging fees an a yearly fee they limit are very low an stay low for years unless you pay a hi fee just for about a 100.00 limit raise

"April 1st, 2025"

My payment was do on the 1st of the month,and I paid it,I got charged a late fee still because I paid it at 9 pm on the 1st, I was charge 41.00 dollars for this. I notice that my balance was not getting any smaller because I'm getting charged for additional fees, high interest rate,fees for paper statements, this company is a complete fraud.I am going to get rid of this card as soon as possible!

"Fortiva Assessed Fees on a Closed Account"

I paid off my Fortiva account in Nov of 2022. After this was paid off the company charged me a $79.00 Annual Fee which I was notified about in Feb 2025 as a collection account. I have attempted to call Fortiva about this issue and did not get anywhere. They did assess an additional $30.00 fee for this, where the balance I had to pay is now $109.00 for an account that was paid and closed.

"Worst customer service I've…"

Worst customer service I've experienced. Requested 10 months of purchasing. Called several times and spoke with inexperienced, illiterate and poor communication skills representatives. Each representative spoke with eastern accents so thick it was impossible to continue the conversation. They weren't able to process my simple requests. I am shutting down my home depot account and look forward seeing all the foreign and illegal employees going back to their country. If they can't speak proper English they shouldn't be employed in our country. Especially a job in communications!

"Outrageous interest rate (36%!) and $49…"

Outrageous interest rate (36%!) and $49 surprise annual fee (there was no annual fee when the card was introduced). Not worth it.

"They Make Payment Logistics Nearly Impossible"

I had a Vivint home security system installed recently; however, their alleged customer credit providing agency, Fortiva, makes it nearly impossible to pay. I have attempted to pay online and after multiple phone calls to try to resolve the faults on their end, resorted to paying via check. Fortiva has stopped sending me billing statements, and I have better things to do than to memorize the due dates of their payments. Now they have resorted to calling me and harassing me for the payments. Simply send a paper statement, or better yet, provide a user-friendly online portal for your customers.