How does Earnin Card help avoid overspending?

We give you a clear view into what you’ll be earning, so you can spend with confidence. What you can spend on the card right now is calculated by adding the credit available from your Secured Account plus the credit available from your earnings. The credit available from your Secured Account is equal to the cash in this account minus any card spend or pending card transactions. The available credit from your earnings, our best estimate of your future earnings—minus any card spend, pending card transactions, and transfers to an external account.

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