🏦 When you complete the application process, you are given a spending limit (aka, Spend Power, which may be credit extended by Lead Bank, please see terms for details) based on your real-time bank balance. No credit check required!

💳 When you use your Extra Card, we spot you for that purchase and automatically pay ourselves back. (Transfers typically take 1-3 business days)
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🤑 Depending on your Extra plan, you may also gain Rewards Points along the way that you can redeem for awesome items in our Rewards Store!

📄 At the end of the month, we add up all your purchases and report them to the credit bureaus as credit-worthy payments.

📈 The positive payment history can improve your credit score!