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About and benefits

What is the Bright Builder Card?

What is a secured card and how does it work?

How does Bright Builder Card work?

How does Bright Builder Card differ from other Credit Building products in the market?

Eligibility, application, and fees

What are the eligibility requirements for the Bright Builder card?

Is the Bright Builder card available in my state or region?

Will applying for the Bright Builder card affect my credit score?

Does Bright Builder card require a hard credit check?

Can I apply for Bright Builder if I have bad credit or a low credit score?

What is the minimum and maximum credit score required to apply for the Bright Builder card?

How do I apply for the Bright Builder card?

How long does it take to get my Bright Builder card application reviewed?

Are there any fees associated with Bright Builder, such as application fees, origination fees, annual fees, or late fees?

Security Deposit and Credit limit information

What is a secured credit card?

When do I get access to my credit card?

What can I use my Bright Builder card for?

What would be my interest rate with Bright Builder card? / Does Bright Builder card charge any interest?

What is the maximum amount I can use with my Bright Builder Card?

Where can I see my Bright Builder card details?

How can I activate my Bright Builder card?

Where can I use my Bright Builder card?

Can I sign up for Auto-Pay to pay my Minimum Due each month?

Is it necessary to pay my monthly minimum due via Auto-Pay?

Can I manually pay my minimum due?

How much credit do I get through the Bright Builder card?

How can I manually pay my Minimum due?

Can I make an early payment on the Bright Builder Card or pay for next month in advance?

Can I pay off my Bright Builder Card early?

What is the security deposit for the Bright Builder card?

Can I pay my security deposit over time?

How do I complete my security deposit?

I want to manually complete my security deposit. How do I do this?

Can I withdraw money from my Bright Builder card while building the deposit?

Will withdrawing my money from the Bright Builder card while building a deposit affect my credit score?

How do I know if my security deposit is completed?

Communications, Reporting, and Impact

What communications can I expect from Bright?

What if I can’t pay back my Bright Builder card?

Will the Bright Builder card affect my score negatively?

When will the Bright Builder card appear on the Credit Report?

How will my Bright Builder card reflect on my credit report

Do you send minimum payment/bill reminders?

Do you send late payment reminders?

Do I get notified when my payments are reported to the credit bureaus?

Do I get notified when my credit payment has failed?

Which bureaus does Bright report to?

When does the Bright Builder card report my payment history?

How much of a boost will I get from Bright Builder?

Will Bright Builder card report missed payments?

Features, Closure and Cancellation

How do I freeze my Bright Builder card?

How do I Unfreeze my Bright Builder card?

What happens if my credit card info gets stolen?

Will I get a new card if my previous card info was compromised?

How do I close my Bright Builder card?

What happens when the Bright Builder card closes?

Does closing the Bright Builder card affect your score?

Is there a fee involved in closing my Bright Builder card?

Will canceling my membership affect the Bright Builder card?

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Bright Money provides tools for tackling debt.