Universo Mobile Banking, Créd

★★★★★ 19/Dec: App works again / fine. Perhaps a better test checklist before RtP? ;) 18/Dec: since the last update, the app doesn't move on from the logo screen. It hangs there without any error message or visible activity. I've terminate it and restart several times but every time it's the same. Please check and fix this ASAP. Thanks.

★★★★★ Well-thought-out app, in its scope of functionalities, as well as in their organization, and hierarchy, which are not immediately intuitive, but are possible of understanding, with practice and study, after a reasonable period of time. It is not quite what I would call a user-friendly interface, the instructions provided are minimal to non-existent, and the online help is too time-consuming to be able to be a go-to place for help, on a daily basis. Similarly, in terms of time spent, the constant

★★☆☆☆ Terrible app! Doesn't work even on Android nor iphone despite the OS version. It always hangs on step 1/6 and no message from app is returned. I've already notified the company and the feedback was: go to a physical store to join in. Unfortunate...

★★☆☆☆ Impossible to open an acc or get any answer by the app. They made me lose hours of work and still was never able to open an account. The registration process is a humiliation for people that require credit, and they made me lose hours of my time!!! Shame!!

★★☆☆☆ Worst experience ever. Things changed when the company in charge of the operations changed. This "Universe" Credit Card is a dishonest and untrustworthy company. Stay far away, unless you want them to produce "ghost" operations to your statement years later. I decided to cancel my card, and my lawyer is filing a case against them.

★★☆☆☆ Worst app, slow, lots of bugs and repetitive information requested all the time.