TomoCredit
A San Francisco fintech that launched a no-credit-check charge card underwritten on bank cash flow, then pivoted to a paid subscription credit product after defaulting on its own credit line in 2023. All three credit bureaus cut off Tomo's data in 2024 and reporting has not resumed, which removes the entire point of a credit-building card. We list it for history and as a warning.
Application Rules
- ▸The original card program is no longer a viable credit-building path; nothing Tomo offers currently reports to the bureaus
- ▸The subscription service has drawn heavy complaint volume over billing and cancellation
- ▸Choose a secured card or Chime Credit Builder instead
Tracked TomoCredit Cards
MastercardTomo Card
Personal · No AF
Tomo Credit CardTomoCredit
A no-credit-check card whose one job, credit bureau reporting, stopped working.
Special bonusAF: $0Rating: 3.0/10