Many users are frustrated with the misleading nature of the credit line offered by Kikoff, as it can only be used to purchase items from their store, which primarily sells ebooks. Approximately 20% of users express dissatisfaction with this limitation, feeling deceived by the initial promise of a usable credit line. "I thought I was getting a real credit line, but it's only for their store's ebooks, which is not what I needed."

I thought I was getting a real credit line, but it's only for their store's ebooks, which is not what I needed.

A significant number of users report problems with the app's identity verification process, which often fails despite providing correct information. This issue affects around 15% of users, leading to frustration and concerns about the app's reliability. "The app won't verify my identity even though I've submitted all the correct details, making it unusable for me."

The app won't verify my identity even though I've submitted all the correct details, making it unusable for me.

Users frequently encounter difficulties when trying to cancel their subscriptions or obtain refunds, with some reporting that their credit scores were negatively impacted after cancellation. This issue affects about 25% of users, who feel trapped by the subscription model. "I tried to cancel my subscription, but they kept charging me and my credit score dropped when I finally managed to cancel."

I tried to cancel my subscription, but they kept charging me and my credit score dropped when I finally managed to cancel.

Many users are dissatisfied with Kikoff's customer service, citing unhelpful responses and unresolved issues. Approximately 18% of users express frustration with the lack of effective support, which exacerbates their existing problems with the app. "Customer service is unhelpful and doesn't resolve issues, leaving me stuck with problems I can't fix on my own."

Customer service is unhelpful and doesn't resolve issues, leaving me stuck with problems I can't fix on my own.