Does applying for Fizz create a hard inquiry?

No. Applying for the Fizz Card does not involve a hard or soft credit pull, so no inquiry is added to any bureau.

When are late or missed payments reported?

If you miss a daily payment, Fizz locks the card and provides about a month to catch up before reporting any delinquency to Experian or TransUnion.

What information does Fizz furnish to the bureaus?

Fizz furnishes standard tradeline data for a revolving, open‑end line of credit: account type, payment status (on‑time/late/missed), and relevant balance/statement fields, consistent with its disclosures.

Updated November 13, 2025 Fizz reports your Fizz Card payment history to Experian and TransUnion. Fizz does not report to Equifax.> Copy snippet for editors

As of Nov 13, 2025: Fizz reports to Experian & TransUnion (not Equifax). Applying for Fizz doesn’t trigger a credit check; negative activity may be reported.

FAQs

Does Fizz report to all three credit bureaus?

No. Fizz reports to Experian and TransUnion; it does not report to Equifax.

As of November 13, 2025, which bureaus do you report to?

Experian and TransUnion. Fizz does not report to Equifax.

Direct answer

Fizz reports your Fizz Card payment history to Experian and TransUnion; it does not report to Equifax.

Quick context you may care about

Reporting scope: Fizz furnishes on-time, late, and missed payment activity on your revolving, open‑end line of credit to Experian and TransUnion (not Equifax).
No hard (or soft) pull to apply: signing up for the Fizz Card does not trigger a credit check, so there’s no inquiry added to any bureau.
Late reporting timing: if you miss a daily payment, Fizz locks the card and provides roughly a month to catch up before any delinquency is reported to the bureaus.

Bureau coverage at a glance

Credit bureau	Reported by Fizz?	Notes
Experian	Yes	Revolving, open‑end line of credit payment history is furnished monthly.
TransUnion	Yes	Same as Experian.
Equifax	No	Fizz does not currently furnish to Equifax.

What Fizz sends to the bureaus

Account type: a revolving, open‑end line of credit tied to your Fizz Card.
Payment status: on‑time, late, missed, or defaulted payments, as required.
Standard tradeline fields: statement/billing dates and balance information associated with the Fizz line of credit; closing the line may negatively impact credit.

Sources

Fizz: “We report to Experian and TransUnion (not Equifax).”
Fizz product disclosures (program manager, reporting bureaus).
No credit check to apply.
Grace period before delinquency is reported.