After your first statement

If you pay the outstanding balance in full, every month. You won’t accumulate interest (based on start and end of billing cycle).

A statement balance shows you the minimum amount due for the month. Your current balance is the full amount owed, to bring your account to a zero balance.

Statement Period: This section shows the billing cycle dates (e.g., July 1 - July 31) and the due date for the payment.Previous Balance: The amount you owed at the start of the billing cycle.

Payments and Credits: Total payments and credits applied to your account during the billing cycle.

New Purchases: Total amount of new purchases made during the billing cycle.

Fees: Any fees charged, such as late fees or annual fees.

Interest Charges: Any interest charged on balances carried over from previous statements.

Total Balance: The total amount you owe at the end of the billing cycle, which is the sum of the previous balance, new purchases, fees, and interest, minus payments and credits.

In the app, click on the Statements option at the bottom of the screen. All generated statements will appear. Click on a statement to see the full details.

With your first statement, you will be charged a $40 annual fee. For each cash advance, there will be a charge of $3 or 3% of the amount of the cash advance, whichever is greater.

In the app, select the Account tab at the bottom of the screen. Under the Payments section, choose Auto Pay. You can set the payment amount to be automatically deducted each month. Then, select an existing payment method or add a new ACH.

In the app, select the Account tab at the bottom of the screen. Under Account, choose Linked External Accounts, then select Add Bank Account. The process will guide you through setting up your ACH through Plaid.

1. Fully Secured: 1% of the principle balance + fees + Interest or $50 whichever is greater
2. Auto Refi: Monthly Auto Payment + 1% principle balance of transactions + fees + interest or $50 whichever is greater