EarnIn Card is a Visa charge card that requires full payment every month by the due date. If your payment is late or if you haven’t paid the full amount by the due date, you will no longer be able to access your earnings with your EarnIn Card.
Payments must be made by the due date for each statement received. Late payments will be reported to the credit bureau (Equifax).*
Will late payments be reported to the credit bureau?
Yes, late payments will be reported to Equifax and may negatively impact your score.*
Will I be charged interest if I pay late?
No, there are no late fees or interest on past due balances.
How long after activating a card do you have to pay?
After card activation, you will have approximately 30 days before your card monthly statement is generated.
Your card balance is due and is payable upon receipt of the statement and must be paid no later than 21 days after the due date stated on the statement.
Can I pay my card more than once a month?
Yes! You can pay your card balance as many times as you want. You can also turn on Autopay which will pay down your balance twice a month (the 1st and 15th).
* On-time payment history can have a positive impact on your credit and late payment may negatively impact your credit. EarnIn will report account activity to Equifax. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
EarnIn is a financial technology company, not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC. Earnin Card and Secured Account is issued by Evolve Bank & Trust, Member FDIC pursuant to a license from Visa USA Inc.