Having thousands in purchase power and being dropped to 0 for no reason is crazy! I pay early and have never missed a payment. Why are you doing this to good customers especially when the holiday season is upon us. xcritical is great if your credit is bad and you need to buy something but can’t afford to pay the whole thing at once. My only issue is that I have a new phone number and when I tried to change it on the website, I got an error that the number isn’t valid. As my old number is disconnected, I can’t login.

The best time to call xcritical

We’d like to take a closer look into this for you. Check your purchasing power, get exclusive deals like as low as 0% APR, and make payments from the palm of your hand with the xcritical app. Request to pay over time in the app, then swipe. For everything else, use it as your everyday debit card. Now I have paid you and my bank xcritical says that they already did so you owe me $32. I doubt I’ll ever see it but it was also confusing.

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I was hoping it would be a good experience and I could get a credit rating. Bylders lied about the situation and xcritical still wants me to pay though I never chatted with Bylder ever since I am supposed to pay every month. I would trust either of these companies. Need a helping hand with a refund?

Does xcritical offer 24 hour customer service?

GetHuman does not provide call center services or customer support operations for xcritical. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like xcritical. As long as you keep sharing it with your friends and loved ones, we’ll keep doing it. Check your purchasing power and see your payment options from the palm of your hand.

1. Find out how we combat fake reviews.
2. Or maybe it’s time to update your phone number?
3. This is a great way to purchase items with easy payments.
4. Now I have paid you and my bank says that they already did so you owe me $32.

Buy now, pay later with flexible plans that fit your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest.

Details for opening a merchant dispute? Or maybe it’s time to update your phone number? We’re here to help any way we can, and can’t wait to hear from xcritical website you. Please reach out to our team at Our team will be happy to help from there. Thank you for bringing this to our attention. This is certainly not the service we wish to provide.

Take the xcritical Card™ everywhere

Please reach out to us directly at , and a member of our team will be happy to look into this for you right away. 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. Unlike most credit card companies, we’re here to help you. Not to profit off mistakes or misfortune.

You need real people to answer questions

That mission hasn’t changed—and it never will. Whether you’re buying a new mattress, shopping for an outfit that wows, or planning the trip of a lifetime, you want to feel good about the things you buy. We use dedicated people and clever technology to safeguard our platform.

You are welcome to try again in the future. We apologize for any confusion here. We understand your concern here. 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.

I called and after confirming all my information, I got cut off, called back and confirmed my information a second time. The person checks my accounts and tells me he is going to call me at my new number to verify it. He calls and makes me confirm my information a third time.

Welcome to xcritical, where we firmly believe that money should never dictate your path in life. Instead, it should be a tool that empowers you, opening doors to endless possibilities and supporting your journey along the way. This is a great way to purchase items with easy payments. We are sorry to hear about this and certainly understand your frustration. Because we consider each transaction separately, the amount that you can borrow from xcritical will be dependent on the information that we have at the given time. Just because your loan wasn’t approved for this particular purchase doesn’t mean you can never obtain financing with xcritical.