Frequently asked questions
How do I add the virtual card to a wallet?
1. Open your phone's wallet app (such as Apple Pay, Google Pay, or Samsung Pay).
2. Find the option to add a new card. This is usually indicated by a "+" symbol or an "Add Card" button.
3. Enter your card details manually
4. Follow any prompts for verification, which may include receiving a text message or email.Once you've completed these steps, your virtual card should be added and ready to use.
Do I need an envelope to ship my title?
No, FedEx should provide you one when you show them the QR code in your app. If you’re mailing your title from a FedEx partner location like Walgreens or Dollar General, they may ask you to purchase an envelope, but if they do, please tell them that the envelopes are paid for by Yendo. If they continue to give you a hard time, please purchase an envelop from them and reach out to our support team who can reimburse you via a statement credit. You can also bring your own envelope just in case.
How can I access the contract or cardholder agreement?
You can view the cardholder agreement at any time within the app. From the main screen, select the 'Account' tab. Once there, you can find the cardholder agreement under the 'About Us' section. You also received this document via email, so you can also find it in your email inbox.
Does Yendo have any physical stores?
We do not have any physical store locations. However, you can reach out to us with any questions through various channels, including phone, email, and chat. We also partner with many national retailers like 7/11 and Walgreens, so you can make a cash payment at a store near you.
Do you offer any reward programs?
At this time, we do not offer any rewards programs with the Yendo Credit Card.
Can I add a 2nd vehicle to my account?
Currently, we only allow one vehicle per account, so you won't be able to add a second vehicle.
Once I receive my card how do I activate it?
When you get your physical card in the mail, log into your Yendo app and follow the card activation directions from the home screen. It’s quick and easy.
What is the APR?
Our APR (Annual Percentage Rate) is 29.88%.
What are your terms and conditions?
- Your terms can be found in your Cardholder agreement sent to your email.
- We are a Mastercard credit card with an annual percentage rate or APR of 29.88%. This is your APR and means that if you carry a purchase balance month-to-month, it accrues interest at a rate of 29.88% over the course of 1 year.
- Cash advances have an annual percentage rate or APR of 29.88%.
- Balance transfers have an annual percentage rate or APR of 29.88%.
- As for paying interest, your due date is at least 25 days after the close of each billing cycle. We will not charge you any Interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
- We have an annual fee of $40, that’s billed annually on the month of account opening, with the initial fee charged on the date of the first transaction.
- As for transaction fees:
- Foreign transactions have 3% fee of the transaction amount, in U.S. dollars
- Balance transfers have a $5 or 5% fee of the amount of the balance transfer, whichever is greater
- Cash Advances have a $3 or 3% of the amount of the cash advance, whichever is greater
- As for penalty fees:
- Late payment fees are up to $20
- Returned payment fees are up to $25
- Overlimit fees do not have a fee.
How do I access my virtual card information?
You will need to activate the facial recognition feature on the mobile app to view the full card information.