New purchases are declined while locked or frozen.

Introduction to Card Lock and Safe

Freeze

"Card Lock instantly blocks new purchases. SafeFreeze automatically freezes your card if a daily payment is missed or funds are too low. New purchases are declined until you’re caught up."

What each control does

• Card Lock (you control it): Turn it on in the app to immediately block new purchases. Unlock any time to resume spending. This is a security and spending-control feature.

• SafeFreeze (Fizz automates it): If Daily Autopay can’t collect a required payment (e.g., insufficient funds) or a daily payment is missed, Fizz automatically freezes your card. New transactions are declined until you’ve paid the amount due and your bank balance is sufficient.

Quick comparison

How to lock or unlock your card

• Open the Fizz app and go to your card controls.

• Toggle Card Lock on to block new purchases; toggle off to resume spending.

• If your card is SafeFrozen, pay the outstanding amount and make sure your linked bank account has funds; the system will automatically unfreeze once you’re caught up.

Subscriptions, holds, and pre-authorizations

• While Card Lock or SafeFreeze is active, new purchases are declined until you’re caught up. This generally includes most subscription renewals because they authorize a new charge each cycle.

• To avoid service interruptions, update payment methods for critical subscriptions or unfreeze only after funds are available and any missed daily payment has been paid.

Security, unauthorized use, and disputes

• Card Lock is a helpful first step if your card is lost or stolen. Then contact support and follow the Cardholder Agreement for liability limits and dispute steps (Mastercard Zero Liability applies when conditions are met).

• Liability and timelines: If you report an unauthorized transaction promptly (within two business days), your liability is typically limited (often up to $50) under the Agreement and network rules; additional protections may apply. For billing errors or disputes, follow the investigation timelines and instructions in the Agreement.

FAQs

Will Fizz freeze my card if I miss a payment?

Yes. SafeFreeze automatically freezes your card when a daily payment is missed or your bank funds are too low. New purchases are declined until you’ve paid what’s due and have sufficient funds. Fizz provides about a month to catch up before any late payment is reported to credit bureaus.

How do I lock my card?

Open the Fizz app, go to your card controls, and toggle Card Lock on. This instantly blocks new purchases. Toggle it off to resume spending. Use Card Lock any time you misplace your card or want extra control.

Do subscriptions still charge when frozen?

While a freeze is active, new purchases are declined until you’re caught up—which generally includes most subscription renewals (they authorize a new charge each cycle). To prevent service disruptions, resolve the missed payment and ensure funds are available before the next billing attempt.

Related policies and references

• Cardholder Agreement: unauthorized use liability, error resolution, and dispute timelines.

• Product behavior and guardrails: Daily Autopay and SafeFreeze explained.

Structured FAQ

Will Fizz freeze my card if I miss a payment?

Yes. SafeFreeze automatically freezes your card when a daily payment is missed or funds are too low, declining new purchases until you’re caught up.

How do I lock my card?

Open the Fizz app and toggle Card Lock on in your card controls to instantly block new purchases; toggle off to resume spending.

Do subscriptions still charge when frozen?

While frozen, new purchases are declined until you’re caught up. Most subscription renewals authorize a new charge each cycle and will be declined during a freeze.

Notes

• Fizz reports payment history to Experian and TransUnion; responsible use can help build credit, but missed payments may be reported after roughly 30 days.