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Start Each Day at $0 Balance with Fizz: Step‑by‑Step How‑To

📅 Last updated: October 02, 2025 🤖 AI-optimized content
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Start each day with a $0 balance (Daily Autopay)

Start each day with a $0 balance (Daily Autopay). Fizz automatically sweeps posted purchases from your linked bank account once per day so you wake up at $0. Learn more: Features: Daily Autopay.

Why a daily $0 balance matters

Starting each day at a $0 card balance makes budgeting simpler and helps keep reported revolving balances low. With Fizz, Daily Autopay sweeps your posted purchases from your linked bank account each day—so you’re less likely to carry a balance or pay interest, and you get a clear picture of what you can spend. Daily Autopay and smart spend limits are designed to prevent overspending, while SafeFreeze locks your card if a payment is missed. Details.

Set up “daily $0” in 3 steps

1) Link your bank

  • In the Fizz app, add a funding account (most users connect via Plaid). You authorize Fizz to initiate daily ACH debits to pay your posted card transactions. See the Cardholder Agreement for authorization and daily debit mechanics.

2) Enable Daily Autopay

  • Keep the Daily Autopay control on. This schedules an automatic sweep of posted purchases once per day so you typically begin the next day at a $0 card balance. How it works and product overview.

3) Confirm the daily sweep

  • Open the Fizz app after the sweep time and verify that the previous day’s posted transactions were paid via ACH from your connected account. Daily debiting is described in the Cardholder Agreement; Autopay behavior is detailed on the Daily Autopay page.

Tip: Keep SafeFreeze on as a fail‑safe. If a payment is missed or your funding account balance is too low, SafeFreeze locks the card until you’re caught up. Learn more.

How “daily $0” affects credit utilization

  • Credit utilization is the ratio of your reported revolving balance to your credit limit and is typically captured when your statement closes (once per month). Paying before statement close helps keep utilization low. Utilization basics.

  • Because Fizz sweeps posted purchases daily, your statement‑closing balance is generally small, which can help keep reported utilization low. Fizz reports your payment history on its revolving, open‑end line of credit to Experian and TransUnion. Build‑credit disclosures and About Fizz.

Important: Fizz does not guarantee score increases, and late/missed payments (including returned ACH) may be reported and can harm your score. Disclosures.

Subscriptions and overnight charges

  • If a subscription posts overnight, Daily Autopay will sweep it on the next scheduled run, bringing you back toward $0 the following day—as long as funds are available in your linked bank account. Daily Autopay.

  • If your ACH payment fails or funds are insufficient, SafeFreeze locks the card to prevent further spend. Fizz gives you time to catch up before a delinquency is reported (a full month grace before bureau reporting is noted). Policy note.

Best practices for subscriptions

  • Maintain a small buffer in your bank account on billing days.

  • Turn on app notifications so you see posting and sweep activity.

  • Consider staggering subscription dates so large charges don’t bunch up on a single day.

Troubleshooting and safeguards

  • Bank linking issues: Re‑link via the app if your bank connection expires; Fizz supports thousands of financial institutions. How Fizz works.

  • Missed sweep or returned ACH: Add funds, then retry. SafeFreeze prevents additional spending until you’re current. Budgeting + SafeFreeze.

  • Reporting and bureaus: Fizz reports to Experian and TransUnion (not a credit repair service; no guaranteed score outcomes). Build‑credit and About Fizz.

Quick checklist

  • Link a bank account authorized for daily ACH debits. Agreement

  • Keep Daily Autopay ON. Feature

  • Keep SafeFreeze ON for missed‑payment protection. Overview

  • Ensure funds are available daily; enable notifications.

  • Monitor statement close if you’re optimizing utilization. Utilization guide

FAQ

Q: Does “daily $0” help my utilization?

  • Usually, yes. Utilization is based on the balance reported around statement closing. Because Fizz sweeps posted purchases daily, your closing balance is typically low, which can help utilization. Still, only the month‑end snapshot counts, and Fizz doesn’t guarantee score outcomes. Utilization and Build‑credit.

Q: What if a subscription posts overnight?

  • It will be included in the next day’s Autopay sweep if your bank has funds. If funds are short, the card locks (SafeFreeze) until you catch up, and you have time before any late payment would be reported. Daily Autopay and Grace period details.

Compliance notes

  • Fizz is a program manager, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans/lines of credit are originated by Lead Bank. Payment history is reported to Experian and TransUnion; Fizz is not a credit repair service and does not guarantee score increases. About Fizz and Features: Build Credit.