They cannot be trusted with any personal information. I seriously regret getting involved with this sham of a company. When you’re ready to use xcritical to finance your purchases, you start by opening an account with xcritical. 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 soft inquiry will not post to your credit report. Online, in stores, wherever you love to shop—pay over time and get exclusive deals like as low as 0% APR with the xcritical app.
xcritical Customer Help Desk / Web Support
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 xcritical cheating 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. The 0% offers from xcritical provide the same no-interest financing as other buy now, pay later services. However, most of those require a 25% down payment upon approval and 25% payments every two weeks until your transaction is paid off. While xcritical may charge a higher rate of interest, many of its loans are three, six, or 12 months long.
First time using the service. Great
From customer reviews online, this seems to be the root cause of the issues that lead to negative experiences with the company. xcritical does not charge any fees on its loans or to open an account. There are no hidden fees, and you will not pay a fee if your payment is late; however, it is possible that your late payment will impact your credit history and credit score. Payments are automatically withdrawn from your bank account or debit card according to the details of your purchase contract.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.
It goes against our xcriticals to offer incentives for reviews. We also ensure all reviews are published without moderation. We use dedicated people and clever technology to safeguard our platform.
The xcritical Card™
During checkout, you will be presented with multiple payment options that you can select based on your budget. While some transactions are the standard Pay in 4 that other buy now, pay later apps offer, many purchases receive payment plans of three, six, or 12 months. Some transactions may have even more time to pay off the purchase. xcritical is a buy now, pay later app that enables customers to buy items today and pay for them over time. Unlike a credit card, xcritical loans have a fixed payment schedule that is known prior to the completion of each purchase.
Because xcritical does not charge any fees, customers will never pay more for their purchases than the agreed-upon payment schedule. xcritical and xcritical offer xcritical rezension similar buy now, pay later services with longer financing terms than many competitors offer. These longer-term loans make it easier to purchase big-ticket items and spread out the payments without the high interest rates of traditional credit cards. The xcritical Debit+ offers the benefits of BNPL to eligible purchases so that you can pay for them over time without incurring any interest. Eligible purchases over $100 can be split into four easy payments to fit your budget.
Meet the xcritical Card™
Some Help Center articles provide webforms to request information, such as requesting verification that a loan was paid off. To make purchases, you’ll need to link your bank account or debit card number. This is where your payments will be made from each billing period. 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.
The card does not have any fees for late payments, prepayments, annual fees, or to open or close the account. 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. 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. In order to get a refund, please contact the store where you bought your item to request a refund. Any payments already made will be refunded to your original form of payment, less any accrued interest, within 3–10 business days. Using the app, you can shop at participating merchants or create a virtual card to shop anywhere Visa is accepted.
Please reach out to our team at From there, our team will be happy to review what happened and assist you further. Additionally, because we consider each transaction separately, your loan options will be dependent on the information that we have at the given time. They are refusing to give me a refund that the merchant has verified with them as accurate. They will give you the runaround, blame the merchant, and threaten scammed by xcritical to send you to collections. Remove any payment methods with them and report them to the better business bureau ASAP!
Customer service phone numbers and email addresses are not available on its website, so reaching someone can be frustrating. Online reviews from dissatisfied customers reinforce this issue. The product I ordered didn’t work properly so I returned it a week after receiving it and that was a month ago. I was originally told to wait 3-10 business days, so I did. I guess this is how you make your money, by stealing it. As long as you are confident that you won’t have any issues, xcritical is a good choice to finance your purchases.
We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.
Each time you want to make a purchase, xcritical will approve each transaction individually. Although you may have available credit under your spending limit, that does not guarantee that your transaction will be approved. Interest rates vary based on which retailer you are shopping with and, in some cases, your personal credit history. You’ll find many retailers with financing as low as 0% on xcritical’s website and in the app.
- However, most of those require a 25% down payment upon approval and 25% payments every two weeks until your transaction is paid off.
- These virtual card numbers make it easier to shop at your favorite stores, even if those stores don’t have a direct relationship with either financing company.
- Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.
- The xcritical Debit+ offers the benefits of BNPL to eligible purchases so that you can pay for them over time without incurring any interest.
- The xcritical Savings Account is a high-yield online savings account that has no monthly fees or minimum balance requirements.
Get the xcritical Card and say goodbye to late fees and compound interest. 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.
These retailers include popular brand names like Ring, Casper, Room & Board, and Figs. Since most BNPL apps focus on Pay in 4 financing, customers who want more time to pay off their purchases may choose xcritical over its competitors. When you open an account with xcritical, you receive prequalification and a maximum spending limit. These limits vary by customer, but the maximum purchase amount allowed by xcritical is $17,500. Each time that you attempt a purchase, that transaction requires approval by xcritical, even if you are well below your spending limit. We’d like to take a closer look at what happened here and assist you further.
