Sparrow Avis 19

This card company is terrible. I sent them an email (because their costumer service number is always "after business hours" ) telling them I had been hospitalized and that is why my payment was past due. I was hospitalized for 55 days. This was their response: Hello Sara,

Thank you for contacting Sparrow. We appreciate your communication regarding your situation. We understand that circumstances can impact one's ability to manage their finances, and we want to assure you that we do not intend to put our customers in a difficult position.

We're very sorry to hear of the issues you are facing and truly wish you the best moving forward.

Unfortunately we do not currently offer temporary hardship programs. I sincerely apologize for any inconvenience this may cause.

If you are able to settle your full past due amount of $185.00 by your upcoming due date of May 01, 2026, we would be able to waive one additional late payment fee, but unfortunately we are unable to waive any additional fees at this time. I'm very sorry.

We strongly encourage you to process a payment of even $35.00 as soon as possible to avoid the immediate risk of account closure due to prolonged delinquency.

We thank you for your cooperation and understanding.

Best regards,
Hayley W.
Sparrow Customer Support

They have no support for when issue arise for customers. I couldn't have for seen this happening when I opened the card. They don't offer credit protection, instead they refuse to work with you and continue to drive up your debt.

Sparrow card or sparrow financial whatever they call themselves are the worst company on the planet do not in my opinion have anything to do with them in regard to conducting business or getting any of their products. This is just my own opinion and experience in views, I had a credit card with them to rebuild my credit and it was $1000 credit limit and for almost 2 months pretty quickly I utilized it and had a $598 balance on my credit card over two months later just about give or take it’s still showed a $658 credit balance or credit usage card balance on my credit reports Experian Equifax and Trans Union. After talking to them, they told me that as of February 1, 2026 they would update my new credit usage amount which at that time was zero. I have paid it completely off, but they went by the prior cycle which was $96 so they claim to contact the credit bureaus on 1 February to update and get rid of that $598 usage rate which was raising my credit utilization rates and hurting my credit score. So about 10 or 11 days went by after they were supposed to report to the credit bureaus whether they did or not I’ll never know, but I know I called up and complained the hell of a lot and also in the next day or two all three credit reports showed a $96 balance. They finally updated it after almost 2 months of leaving it at $598. So around February 10 because of my efforts and my complaints they updated it to reflect correctly even though I was at 0% and actually pay the card off. Then on 15 February they put back on the $598 of credit card usage and removed the correct $96 credit card usage and to this day February 17. It still shows $598 while Equifax and experience show $96. Trans Union did show $96 but somebody in the back office at this brilliant company spiral card reported back to Trans Union. I guess in my opinion and told them to knock my credit usage up back up to $598 and remove the $96 dropping my credit score down by a lot of points and it’s untrue. What they did was either done by error or mistake by their back office intentionally or intentionally whatever the reason is it’s sheer incompetence now I still have the $598 showing on my Trans Union report and my utilization has one skyrocketed back up to 13% and they knocked my credit score down by 11 points. I complained to the consumer financial protection bureau Sparrow cards response was they did nothing wrong that they report accurately they didn’t even apologize or admit the mistake they made by removing the $96 update back to the $598 reflecting on my Trans Union report, they didn’t even apologize to me. They didn’t even admit that they did it or that they created that mistake or that that it was an error on their pot and that they would alter it or modified it. Well, I instantly closed my card on the 15th after talking to them because I knew this company was absolutely incompetent. So I close my credit card account. I’m at zero balance it’s paid off that matter of fact, they owe me $.96 and I’m gonna have to wait a month until this credit card drops off of all my credit reports because I closed the card and that 596 amount is still gonna be reflected on my Trans Union report for probably at least another month or two. God knows how long until it’s removed off all the credit bureaus because I closed the card. Take my advice from my own experience do not conduct business with this company, they are deceptive, nefarious, and competent and need to be shut down. Take my word for it. This is just my own opinion and my own views avoid this company like the plague they destroyed my credit score. They lied to the consumer financial protection bureau in my opinion, trying to portray themselves to the consumer financial protection bureau, as if there’s some kind of perfect saints doing everything accurately. They lied. To make themselves look good and to try to protect their reputation. So now I’ve gotta wait until their credit card drops off of all three of my credit reports and that’s it. In the meantime, my credit utilization on Trans Union is gonna remain high until their car drops off and then as a result, I’m gonna lose more points because they’re an account is gonna be shown as closed on my credit reports all because they changed the $96 a couple of days later back to $598. Meanwhile, I was at a zero balance I paid everything off do not do business with this company in my opinion unless you want a headache and if you email them, they will respond to you and tell you that everything they did was accurate. They will never admit their faults or shortcomings or errors or mistakes. They did it with the consumer financial protection bureau and consumer financial protection. Bureau are pretty much worth worthless they don’t do anything anyway they’ll investigate. They don’t contact me. They’re pretty worthless. They just take the companies word for it.

I paid off the balance on September 20, 2025 and they recently reported a charge off to my credit although I have submitted proof several times that it was paid

For me this has been the best card for rebuilding. I have them all and this one actually rewards on time payments w increases. They have a straightforward app and they take debit cards for payment. Immediate payment updating as well. They also
provide free credit score, and all their fees are upfront. If you have to go this route this is your card.

Ok. I Was Hostile & Going To Close My Account
True U Have To WAIT 4Ever For Customer Service
However I Went Online & U Make It SO EASY
I Have Climbed Down Off Of The Roof & Appreciate That It Is Easy & I Thank U

Easy process. Found really good interest rates. Lots of lender options to choose from.

I applied and have heard NOTHING back and it’s been over two weeks.

Sparrow helped me find the best rate on my student loan. I found the process to be very efficient and would highly recommend Sparrow to friends and family.

Good rate, fast process, and very professional. My only regret is not doing it sooner!

The ease of maneuvering through web page and minimal amount of questions

Too many questions to be given 44 pre qual and my school isnt on the list.

Great news am just waiting on approval

Great product – saved me so much time and money on my student loans! Really like being able to compare between all top lenders with a single application. I'll be saving a ton on interest over the lifetime and will be able to pay down my debt faster thanks to Sparrow!

Borrow with confidence. Sparrow's dashboard made it easy to do an apples to apples comparison across the different loans. The detailed side by side comparisons including some specific guidance on how to choose a specific loan helped me feel comfortable when deciding. I will always recommend my friends and family to use Sparrow.

The ability to compare offers in minutes from so many lenders is incredible. Seriously, no better way to be sure you're not missing out on a better loan offer!

I was incredibly anxious about taking a private student loan because you hear so many bad things about student lending. Sparrow customer service answered all my questions and the FAQs and tips are a great resource. The cherry on top is that I was able to easily compare lenders so that I knew I wasn't being taken advantage of.

Was skeptical at first...honestly is amazing!

I wasn't able to find any other offer until I came here. Sparrow did it for me in like 6 minutes. I usually don't leave reviews - but thank you :))

Great service both in terms of utility and ease of use. Simple interface that allowed me to quickly find the best loan for this semester and to refi my existing loans which carried much higher rates (since I didn’t have sparrow for those)

Awesome service; wish it had been around earlier in my college years as it linked me with lenders that had much better offers

I have only had the loan for a month, but do far so good.