If you've been approached to take out a loan via Cred Star Funding, you need to read this entire post.

It's important that you know the facts before joining this company. The owner has a long history of peddling ponzi schemes and scams and this company is bad as the worst of them. 

So read on to get the facts..

Credit Card Funding Summary

Company: Credit Card Funding

Price to join: $199 + loan generation fee

Rating: 0%

Do I recommend? No!

Summary: I review a lot of money making opportunities and Credit Star Funding ranks up there as one of the worst and biggest scams out there.

No one should join this company because it's a ponzi scheme and there's no real way to make money with them. The profits for this company comes from new affiliates (not the investments in their trading bots) and when the recruits stop coming in, the company and everyone loses their money.

Better Opportunity: If you're looking for a legitimate way to make money from home and online click the button below. That's where I learned how to make money online and now I make more than any time in my life. 

What is Credit Card Funding?

Credit Star Funding is a pretty unique scam and is unlike any other MLM that I've reviewed before.

Credit Star Funding basically claims they can help you get a $50,000 to $250,000 loan. Once you get that loan you invest in various investing bot schemes where you supposedly get thousands back.

The bot programs invest in different cryptos and claims they make you like 20% to 30% revenue which is absurdly high (they'd be creating billionaires if this were the case).

The problem here is the bot is all smoke and mirrors and the revenue of this company comes from new affiliate sign ups, not because there's a special bot making smart crypto trades.

I'll get into more what this means in the next section but I wanted to talk about the founder of Credit Star Funding. 

The founder is named Riccardo Ferrari and he's been involved in ponzi schemes in the past. One of the big ones was called BitClub Network and Ferrari started Credit Card Funding as BitClub Network started failing. 

A tiger doesn't change its stripes and Ferrari is a known scam pusher.

Is Credit Star Funding A Pyramid Scheme?

Credit Star Funding is both a pyramid scheme and ponzi scheme.

A pyramid scheme is when the only way to make money with a company is through recruitment which is the case here (there's no real product besides the ability to get a loan).

A ponzi scheme is when a company lies about where the revenue is coming from when in reality it's just coming from new recruits.

In Credit Star Funding's case they say revenue is coming from their trading bots but it's really just coming from the money new recruits spend to join.

All ponzi schemes and pyramid schemes eventually fold in on themselves because the pool of recruits goes dry.  

The only people that make money are the people that get in early and were getting paid off the new recruit's money. Anyone that joins after that short period loses their money. 

If that happens how do you plan on paying back your $200,000 loan?

You Will Lose Your Money Here

About a month ago there was another "bot" that a company used to invest in various cryptos. It worked almost exactly like the one for Credit Star Funding does.

It was a ponzi scheme and I knew it was going to fold in on itself.

I told everyone to get their money out or they would end up losing it.

A couple weeks later the ponzi scheme collapsed as I predicted and all new recruits lost their money. You can read that review here

The same thing is going to happen here as well. Eventually people will stop getting recruited and because there's no real revenue, payouts stop getting paid. 

How Much To Join Cred Star Funding?

In order to let Credit Star Funding get a loan for you you have to pay a $199 commitment fee.

Also, there's a loan generation fee of 22%. 

I looked up what a loan generation fee and it's more commonly referred to as an origination fee.

This is a fee that someone charges when a person processes a new loan. The average fee is between .5% to 1%.

There's also interest rates on the loans that can be between 9% to 18% and higher depending on your credit score. 

Credit Star Funding Compensation Plan

Credit Star is a MLM which means you get money for recruiting people into the system (this is the pyramid scheme aspect of the scam).

According to Credit Star Funding, you get paid out in an unilevel structure which looks like the following:

You get 2.5% of every loan on a personally recruited person and you get 1% on the people recruited by your recruits. 

Where Your Loan Goes To:

Alright, so you paid your $199 fee, got your loan with high fees + interest rates, and now it's time to "invest" it. 

Originally there were three destinations for your new money but one was "hacked." In reality, it most likely folded because it was a ponzi scheme.

That leads to two more choices.

The first is called Cloud Token and this a trading bot platform that invests in crypto. Again, the bot doesn't actually make money and the money comes from you dumping $200,000 into it (the money then gets redirected back to investors who got in early).

The second place is called Credit Star Forex and this is an inhouse investment opportunity (meaning it's run by Credit Star Funding).

This is another trading platform where no real profits are made.

None Of This Is Legal

Ponzi schemes and pyramid schemes are not legal in any country and all programs involved in this scheme are either one or the other or both. 

When obtaining your loan Credit Star Funding is being deceptive which again is illegal and neither Credit Star Funding OR Ferrari is registered with the SEC.

This means everyone involved is committing security fraud through promotion of unregistered securities. 

So if you join this company and start recruiting people into the system, you yourself can be liable. 

Is Credit Star Funding A Scam?


There's really no winning here.

Even if you do get in early and make money from new recruits, you can be legally liable for promoting an illegal ponzi scheme.

On the other hand you can pay the $199 and get your $200,000 loan only to see the whole scheme collapse, along with your $200,000 investment.

What happens then?

How do you pay that back? 

It's enough to completely ruin a person. So whatever you do, please please please skip over Credit Star Funding. 

Here's A Better Opportunity

Hopefully by now you see Credit Star Funding for what it is.

If you are looking for a way to make money online, you should check out Wealthy Affiliate

That's where I learned how to make money online and it's completely legitimate - there's no taking out loans, no recruiting people or anything like.

If you're interested in looking at the program, click the button below:


Creator of The Affiliate Doctor. I earn a full time income online and love teaching people to do the same!

  • You’re very useless. What a junk review. What is Credit Card Funding? You even get the name right dumbass….. Your information doesn’t align with Credit Star Funding, please do your review again Jerk.

    • You and I both know (especially if this really is Riccardo Ferrari) this system will collapse once the ponzis you push on people lose recruitment. I’m sure you already have a plan for when that happens, though.

  • I was taken advantage of by Ricardo Ferrari, his company has stolen all the funds from a loan they got me and refuse to return it. Ricardo himself has sent me threatening emails that he would ruin my life with all his money and connections. People need to know how they will be treated at Credit Star Funding, I will turn the emails over to you if you want. They also use third party companies so even-though you join a so called Credit Star Funding Program, when something goes wrong and you ask to drop out Ricardo than claims it’s not his company and you didn’t send him any money. Credit Star Funding was the worst decision of my life and Ricardo is still trying to extort money out of me.

    • I’m really sorry this happening to you. I’m pretty sure he’s the one who’s been leaving comments on this post as well. And you can send your emails to me and I’ll add them to the post so people can see them for themselves. Send them to dm03rieg@siena.edu.

      Have you thought about getting a lawyer? I’m pretty sure this is a ponzi scheme which is illegal.

  • This is false review is full of wrong information and a copy of the same review of some other sick people online. They just copy the same review to drive traffic to their own shams. This reviewer is a desperate person if needs to use these marketing tactics. He took my presentation distorted all the facts like a hater and a slender to lure people into his own scam programs. Credit Star Funding is a legitimate non mlm (it’s a 2 tier agency) company when you really study the facts and I have never deceived anyone in my career. Most of the company I did are still in business including Bitclub. Bitclub has not shutdown.

    – Credit Star program is totally free not $199.
    – People don’t spend a dime up front for loans and there are no fees or qualifications to make money as an agent.
    Selling loans is legal, and $20 online lawyer can tell you that. In fact 83 million people every year look for a loan online. Unlike 95% of MLM online CSF is totally compliant with SEC and FTC regulations.
    If you want the real facts watch this video and anyone can realize how different it is from this review!

    Lets see if he has the courage to publish this comment and maybe review the facts and publish a honest review like a professional instead of an idiot.

  • This shows how ingorant you are OZ! This is the man of animous person where Dylan copied this review. You are not a reviwer you a hater. Why do you hide? Why do you keep anonimous? What are you afraid of? And why you only do bad reviews for everyone.
    Get this straight:
    1. No one can lie to banks! If they see the right credit and income they lend money. Period.
    2. They check Credit Karma or IdentotityIQ so we cannot feed them “false” information like you claim. They want tax returns, pay stubs and bank login. No one can fool a bank. You claiming that we deceive the banks take 100% of your credibility down the drain. There is no deception. The only deception are the words you write.
    3. People can do what they want with their money. We never obligate anyone to invest money in programs we promote. I say it over and over in my videos. I dont really care. I make enough money from my own investments.
    4. Yes I hire SEC attorneys. Search google for crying sake. SEC attorney means attorney who specialize in SEC laws. Of course these are not people that work for the SEC. Everyone knows that but you They simply handle financial and investoment matters. of course you know this. You are being deceving about it.
    5. The Forex Platform I use is a legittimate SEC compliant platform which is non commissionable and restricted to a small number of US citizens as the law provides. All the customers are happy with it.
    6. The reason I erased some of the videos is not becuase of your article, is because my program changed. I made better videos. In fact I launched a brand new processing system this month, which I consider the best in the lending industry.
    7. You opened a fake CFS account to spy on my program. You are violating the non confidentiality agreement that comes in the program. You are also committing copywrite infringement by using the word Credit Star Funding to do false reviews, drive traffic to your site and sell your ponzies using illegitimate internet traffic. You are breaking the law with defamation and false statements.
    8. I know you live in Taiwan and you are hiding. You dont have the guts to come in the open. But none can really hide. My laywers will find you and I will see you soon. You think you can lie to the world anonimously? Think again Oz…or whatever your real name is.

      • You copied his entire review, you mean you didn’t even read it? You didn’t even listen to one of my webinars because people don’t get loans from us to invest in anything. It’s an independent system. Our Forex income platform is not a profit for Credit Star Funding other than my personal money I invest and its SEC compliant and checked by two SEC attorneys on my payroll. You are not a reviewer you are a hater and a jerk! It’s only matter of time until I come after you, idiot. That’s your real name.

        • I get like 10 views a month off this review. I have reviews giving me thousands of views a month. This review means nothing to me. It makes me no money and gets me no views. The fact you’re so obsessed with this review is really bizarre.

  • I know people who invested with Ricardo and they lost their money on one of his “no one is better than me” schemes. He boasted that no one did more due diligence on investment projects than he did and he lied. He came to Atlanta and paraded these morons around like they were business partners. One of them lied and said he was a special bank client and they had these bank relationships. I wouldn’t have let those morons walk my dog let alone give them $750K of people’s money. But that’s what know it all Ricardo did. Then he distanced himself with the old “I lost money too”. Meanwhile hired an attorney who has done nothing but charged fees. Then Ricardo has the nerve to be cocky on top of that. Then he made people sign a NDA where they can’t talk about it or him. He uses threats and intimidation to keep disgruntled people from saying anything out loud. One investor lost 6 figures with him. Stay away from him and his schemes.

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