Boon at first; Costly later; now near impossible
extra was a boon at first. That was then, this is now. I had two experiences where they claimed a "failed refund,". It was nothing other than a vendor getting an authorization that ultimately wasn't charged - no charge, no refund. Guess AI thought, ugh twice in a couple months, let's cancel the card. edit - 06/27/24 - well, I did get in touch with what appeared to a living, breathing, English speaking human who did set everything right. Until today ... All fees waived, everything good, and then I tried to relink my bank account, which they had used, no problem, for nearly three year. Extra forces you to use Plaid - a con if ever I've seen one. Anyhow, in good faith, though extra's app forced to give plain my usernames, password, account number, routing number ... and then they tell me my bank, 8th largest in US, old account ... they don't work with plaid right now. Can I use another bank? No, I don't have another personal checking account. Can you open one? At this point, they are playing you. like a lot of American institutions, they started out to do good and make money, but the doing good part of the equation is gone, which is what Extra hopefully is soon - gone. They're harming vulnerable people. Extra's fault now my problem. Don't do it.