I signed up yday and it seems decent. Also seems aimed at poorer credit scorers.
Generally works well.
You don’t get a physical card which I’m fine with 99% of the time.
You have to add it to GPay which just wouldn’t work for a few hours - then started working fine.
The in app chat doesn’t seem to send me notifications.
You don’t get in app transaction notifications.
Everything else looks pretty good though.
I got an OK credit limit. I’m a very high credit scorer usually so I’m guessing they don’t offer high limits yet.
29.9% Apr is what I got too.
The direct debit requires an extra setup step and it seems like they don’t want you to pay off in full but it’s easy to do.