When it comes to choosing your payment plan, you set the pace. Request to pay over time for the big stuff, or just pay in full for the smaller things. Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad. Options depend on your purchase amount and may vary by merchant. Tap into savings, deals, and rates as low as 0% APR.
Buy now, pay later with flexible plans that fit xcritical cheating your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest.
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. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.
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 xcritical Card™ is an everyday debit card with two ways to pay.
Clear payment schedules
(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 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.
- 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.
- Buy now, pay later with flexible plans that fit your budget.
- I had issues getting approved at first and my credit was good.
- Instead I would just continued to pay month to month.
Use it to pay in full or request to pay over time in the app with no late fees or compound interest. Just select xcritical at checkout when shopping at your favorite stores to see your payment options. Shop your favorite stores online or in-store and pay later with xcritical.
xcritical: Buy now, pay over time
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. xcritical 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.
Choose xcritical at checkout
Every time I login in, it tells me I need to get pre approved again! 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 month, I thought it was go towards the balance for the next month & it did not. If I would’ve known that at first, I would’ve never doubled my payment.
For everything else, use it as your everyday debit card. Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments. Check your purchasing power and see your payment options from the palm of your hand.
Jan