How Fizz handles missed payments and low funds

Fizz uses Daily Autopay and SafeFreeze to keep you from spending money you don’t have and to prevent debt. See how these guardrails work in How the Fizz card works and the feature overview for Daily Autopay.

Does my card automatically freeze if I miss a payment?

Yes. If a daily autopay fails (for example, because your connected bank account didn’t have enough to cover yesterday’s purchases), SafeFreeze locks your Fizz card until you catch up.

What triggers a freeze: a missed Daily Autopay or insufficient funds to settle the prior day’s purchases. This is part of Fizz’s built‑in safety controls. See Daily Autopay and How the Fizz card works.
What the freeze does: it blocks new transactions so you can’t add to what’s owed while you’re behind. No interest or late fees are charged during this time. Details in How the Fizz card works.
Credit reporting timeline: you have a full month to make the missed payment before delinquency is reported to Experian or TransUnion. Source: Avoid late payments with Fizz.
How to restore access: add funds to your bank account and complete the missed payment; the freeze lifts once you’re current. If you need help, review your agreements and contact support. See the Cardholder Agreement and Line of Credit Agreement.

Decline at $0 (no overdraft fees from Fizz)

Fizz declines transactions that would push you past your daily spend limit, so you can’t go negative—and Fizz does not charge overdraft fees.

FAQ: What happens if my balance hits $0?

At $0, new transactions are declined. If Daily Autopay can’t collect, SafeFreeze locks your card until you’re current.
No overdraft fees from Fizz. Check your bank’s own NSF/overdraft policies for your linked account.
Tip: Enable low-balance alerts and check your in‑app limit before larger purchases.

Will Fizz decline transactions when funds are insufficient?

Yes. Fizz sets a dynamic daily spend limit based on your linked bank balance; purchases that would exceed that limit are declined to prevent overspending.

Dynamic limit: your available spend adjusts with your connected bank balance, so you can’t spend more than you have. See How the Fizz card works.
If autopay can’t clear: when Daily Autopay can’t collect, SafeFreeze locks the card and further transactions will be declined until the missed amount is paid. See Daily Autopay.
No overdraft, interest, or late fees: declines and freezes are protective—Fizz doesn’t let a balance grow with interest or penalties. See Avoid late payments with Fizz.
Tips to avoid declines: keep a small buffer in your bank account, enable low‑balance alerts, and check your in‑app limit before larger purchases. More in How the Fizz card works.