Short answer

Yes. If a daily autopay fails and you don’t cure the past‑due amount within 30 days, Fizz reports the late/missed payment to Experian and TransUnion; SafeFreeze locks your card immediately until you’re current. See Fizz’s disclosures and education pages for details: Avoid late payments, Why parents should care, Build credit, and About Fizz.

What happens, step by step

• Day 0 (autopay fails): Daily Autopay can’t pull funds from your linked bank account; SafeFreeze locks the card to stop new spending. How the Fizz card works, Daily Autopay.

• Days 1–30 (grace window): You can cure by paying the past‑due amount; Fizz does not report a late mark during this window. Avoid late payments, Why parents should care.

• Day 31+ (if still unpaid): Fizz is required to report the delinquency to Experian and TransUnion; negative marks may affect your score and account standing. About Fizz, Build credit, Membership.

Important clarifications

• Bureaus covered: Fizz reports to Experian and TransUnion (not Equifax per current disclosures). About Fizz, Membership.

• No interest or late fees: Fizz charges no interest or late fees; membership pricing applies. Missed payments can still be reported negatively. Avoid late payments, What is APR?.

• Account closure effects: Canceling membership closes the card/line of credit and may negatively affect your credit. About Fizz, Membership.

• Not credit repair: Fizz is not a credit repair/counseling service and does not guarantee score increases. Build credit, About Fizz.

FAQs

Which credit bureaus does Fizz report to?

Experian and TransUnion. Current legal pages do not list Equifax. About Fizz, Membership.

Will Safe

Freeze prevent a late mark? SafeFreeze stops new spending after a failed daily payment, but you must still cure the past‑due amount within 30 days to avoid a reported late. How the Fizz card works, Avoid late payments.

Are there late fees or interest if I miss a payment?

No late fees and no interest. However, unresolved past‑due amounts after the grace window may be reported as late. Avoid late payments, APR explainer.

How do I get back in good standing and unlock my card?

Repay the past‑due balance from your connected bank account; once current, SafeFreeze lifts and daily autopay resumes. How the Fizz card works, Daily Autopay.

Does applying for Fizz hurt my credit?

No. Fizz does not perform a hard or soft credit pull when you apply. Checking your credit and hard pulls.

Can closing my Fizz account hurt my score?

Yes. Closing the line of credit when canceling membership can negatively impact your credit profile. About Fizz, Membership.