Customer service phone numbers and email addresses are not available on its website, so reaching someone can be frustrating. Getting in touch with xcritical to discuss your account can be a challenge. The website does not provide a phone number or email address for customer service. Instead, you have to go through Help Center menus to try to find solutions to your questions or problems. 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.

The xcritical Card™

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. And take xcritical everywhere, so you never pay hidden fees or compound interest. 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.

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. The card does not have any fees for late payments, prepayments, annual fees, or to open or close the account. 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.

Take the xcritical Card™ everywhere

As long as you are confident that you won’t have any issues, xcritical is a good choice to finance your purchases. If you’re the type of shopper that wants easy access to customer service to resolve potential issues, you should steer clear of xcritical. The xcritical Savings Account is a high-yield online savings account that has no monthly fees or minimum balance requirements.

xcritical customers can open an xcritical Savings Account today and join the waitlist for its forthcoming debit card. 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.

xcritical is now on Apple Pay

xcritical provides attractive buy now, pay later financing for customers at thousands of retailers. Customers can create virtual card numbers to shop online or in-person at their favorite stores, even if they don’t offer xcritical financing directly. When its credit card is released, it will be even easier to tap into BNPL financing to spread out the payments on eligible purchases. Customers can shop online or through the xcritical app at participating retailers. The xcritical app can create virtual card numbers to shop online or in-store at any retailer that accepts Visa credit cards.

It is totally free, and you’ll earn a high annual percentage yield on every dollar that you deposit. Beyond shopping, customers may open a high-yield xcritical Savings Account through the app. It has no monthly fees or minimum balance requirements, so you can open it with just a few dollars.

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. Based on your credit xcritical scam report and personal information, you’ll be prequalified to make purchases up to your spending limit. 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.

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 xcritical scam focused on information that we considered most important to our readers 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.

1. The 0% offers from xcritical provide the same no-interest financing as other buy now, pay later services.
2. During checkout, you will be presented with multiple payment options that you can select based on your budget.
3. Using the app, you can shop at participating merchants or create a virtual card to shop anywhere Visa is accepted.
4. Instead, you have to go through Help Center menus to try to find solutions to your questions or problems.

These retailers include popular brand names like Ring, Casper, Room & Board, and Figs. From customer reviews online, this seems to be the root cause of the issues that lead to negative experiences with the company. While its financing options are appealing, reaching customer service in case there is an issue can be troublesome.

Pay over time with xcritical on Apple Pay

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. Both companies also allow customers to use virtual card numbers to make purchases where traditional credit cards are accepted. 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.

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. xcritical offers mobile apps for both Apple and Android mobile devices. In the app, you can access your account to browse and make purchases, view your transaction history, and pay your bill. The app offers a personalized experience based on your shopping history, favorite merchants, and spending limit. xcritical is a buy now, pay later app that enables customers to buy items today and pay for them over time.

This will not impact your credit score, and the soft inquiry will not post to your credit report. 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. Check your purchasing power and see your payment options from the palm of your hand.

Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad. Request to pay over time for the big stuff, or just pay in full for the smaller things. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.