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1. When do I make my first payment?

Your first Credit Strong account loan payment will be due one month from the date you opened your account.

To view your payment due date:

  • Login to Credit Strong
  • Click on “My Account “
  • Click on “Overview “
  • In the left column this information will be shown as “Next Payment Date”
2. How do I make a manual one-time payment?

To make a one-time manual payment: 

Login to Credit Strong

  • Select “My Account” in the left navigation
  • Select “Payments ” tab
  • Click “Make a Payment $” button
  • Enter the amount to be paid, by default this is the monthly amount due.
  • Click “Confirm Payment”
  • Only one manual payment can be made at a time. 

Please note that when you pay with a debit card or prepaid card you will incur a convenience fee. To avoid the convenience fee, please link a bank account in your payment settings.

3. How do I manage my auto-pay settings?

We recommend using auto-pay for your Credit Strong account loan payments so that you never miss a payment.

With our auto-pay feature payments will be withdrawn from your bank account, debit card, or prepaid card automatically on a set date each month.

To set up automatic payments:

  • Login to Credit Strong
  • Select “My Account” in the left navigation
  • Select “Payments” tab
  • Set auto pay to “On”

Please note that when you pay with a debit card or prepaid card you will incur a convenience fee. To avoid the convenience fee, please link a bank account in your payment settings.

4. How do I change my payment type from bank account to debit/prepaid card or vice versa?

To change the source for your payment:

  • Login to Credit Strong
  • Select “My Information” in the left navigation
  • Select the “Payment Type” tab
  • Click the “Change Linked Payment Method” button
  • Select “Link Checking Account” or” Link a Debit Card”
  • Enter new information to change source of payment
  • Select “Link Checking Account” or” Link a Debit Card” again to confirm changes.
5. Can I make my payment for next month or future months?

No. You are only able to pay the amount due for the current month. Any overpayments that you make will be applied to the principal of your Credit Strong account loan and reduce the term of the loan.

Please note that while there is no prepayment or early withdrawal penalty for paying down or paying off your Credit Strong account loan early, additional payments may reduce the number of payments reported to the credit bureaus, potentially reducing the positive impact on your credit profile. 

6. What should I do if I don’t think I can make my monthly payment?

If you have opened a Credit Strong account and you believe you will be unable to make consistent monthly payments on-time, we recommend you close your account and try again when your financial circumstances improve.

You may terminate your Credit Strong account at any time with no prepayment or early termination fee. Please note that any payments received more than 30 days late will be reported as ‘late’ to the credit bureaus.

7. Can I suspend my Credit Strong account?

No. You cannot suspend or temporarily make your account inactive. If an unplanned event, for example a job loss or medical emergency, makes you unable to make your monthly payments on time please contact us as soon as possible to discuss your specific circumstances.

You may terminate your Credit Strong account at any time with no prepayment or early termination fee. Please note that any payments more than 30 days late will be reported as ‘late’ to the credit bureaus.

8. Will I be charged a fee if my payment is late?

Your payment is due on the payment due date. We provide a 14-day grace period from your payment due date. If you make your full payment before the end of the 14 day grace period (and the payment is not returned), you will not be charged a late fee.

If a loan payment is 15 or more days past due , you will be charged a late fee.

If a loan payment is more than 30 days late, you will be reported as “late” to the credit bureaus and it may negatively impact your credit score.

If you have opened a Credit Strong account and you believe you will be unable to make consistent monthly payments on-time, we recommend you close your account and try again when your financial circumstances improve.

9. What does it mean if my payment was returned due to a "non-payment account" or "non-transactional account" error?

If you attempted to make your Credit Strong account loan payment from a Savings or Money Market bank account, your bank make have rejected the payment. Savings and Money Market accounts are considered non-transaction accounts under federal regulation and allow only limited withdrawals.

If you are uncertain as to why your payment was returned, you will need to follow-up with your bank to obtain an explanation as to why they rejected the payment.

We recommend you use your checking account or a debit card to make Credit Strong account loan payments. Checking accounts are considered ‘transaction accounts’ under federal regulation.

Please note that you will be charged a fee for returned or failed payments.

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Credit Strong Customer Support: 833-850-0850