Just stumbled across this brand new credit startup, wondering what you guys think at first glance?
edit;
removed referral link to promote discussion
By âstumbled acrossâ do you mean âwork forâ?
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busted
I wish I worked for them! Iâm just a lowly teen interested in FinTech ahaha
Perhaps you could tell us what you think about Keebo? You donât say anything about it in the original post, so it looks like itâs just an excuse to post your referral link (which is a bit of a no-no).
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I removed the referral link so I donât look like a sellout lol.
From looking at the website one thing of note seems to be the use of OpenBanking (Similar to CreditKudos?) to evaluate risk and stuff. Not sure how I personally feel about allowing access to my account information as they can already just check Experian or whatever. I wonder if theyâll require ongoing OpenBanking information so they can continuously evaluate risk, that would make it even less attractive to me.
Their main feature seems to be their levels? (is that what itâs called?) Where they give you âtargetsâ or âgoalsâ to complete before they move you to the next level which might increase limit or APR I guess?
Edit: typo
Edit 2: re-written for clarity
Is KEEBO safe?
Oh gosh yes
I like them already 
Nice idea but I couldnât see any mention of interest rate range or how much the late fee would be
Nice card as well
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Iâve looked at it twice now and I still donât really understand why they are trying to do.
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Use open banking info to offer a more personal credit card (well, the limit and apr) which can build credit
Thatâs my take on it
I scrolled through the website and the cartoon-y line drawing people seem very, very familiar, I just canât quite recall which website/service used very similar graphics. Or maybe itâs just the way things are these days, with everyone going for the same aesthetic.
Another issue I have is the âpersonalised creditâ marketing BS. Every single credit card offers personalised credit. Thereâs no provider that I know of who say âyes, everyone will get ÂŁ100000 limit at 5% APR or whateverâ
My biggest bugbear is their list of âpartnersâ. I want to be able to click on their partners and see what the partnership actually means. I donât trust websites that donât let me do that. Itâs all cool putting a blurry gov.uk logo on, but whatâs the partnership? They have a page on Companies House (one would hope so), or do all civil servants get a Keebo card these days?
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That colour scheme, pass
Personally using open banking to show how you actually use your money isnât a bad thing, and I guess thatâs where their term âpersonalisedâ comes from. Adaptable sounds like a fancy way of saying they can increase or decrease your limit as time goes on, which is normal.
Iâm super curious about their Gov.uk partnership⌠civil service still use GPC cards for the most part.
Found the cartoony drawingâŚ
You can look up Denmark Storytale and itâs the first result. So, youâve almost certainly seen it somewhere! Through the reverse search it came up with at least a dozen websites the images are used on
Is it the 1950s again? Gosh, how did that happen?
Just received my invitation to apply for this, have to link a bank account via open banking, then conduct a hard search - not going for this stage due to hard search, much rather a soft check to see if Iâm eligible first.
Then states need to keep the open banking access live to keep the account open which Iâm not willing to do - though I understand why.
Clean functional app though, just a shame itâs hard search.
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Doesnt the link auto expire?
It said somewhere to keep the account you must have a bank account linked.
I may have misread but I think from next year any open banking link is indefinite.
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Ah. I mean I wouldnt use them if they want a permo link. Simply because:
The sole purpose of GDPR is about holding data thats accurate when there is a reason to hold it. I canât see any reason why they need to hold a permo link to your accounts. Regardless. Companies have been fine without it so why start now. I dont mind for the initial application but not for the whole term.
There just going to start penalising you for any little thing really.
Spies.
Its not about spies its about data abuse aswell. Imagine getting an email from them âWe think you should pay your Credit Card bill because there is enough in your Current Accountâ or "Theres been a breach and Vladmir from god knows where has all your transaction history. Nah thanks 
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