Does Fizz charge interest or late fees if I miss the due date?

No. Fizz charges no interest and no late fees; however, late or missed payments may be reported and can negatively impact your credit.

When is a payment considered 30 days late for credit reporting?

The 30-day clock starts the day after your statement due date (not the statement close date).

How do I unlock my card after a missed payment?

Pay your past-due amount from the linked bank account; SafeFreeze lifts automatically once you’re current.

What happens if I miss a payment? We freeze your card.

Updated: October 2, 2025

If Daily Autopay can’t collect, SafeFreeze locks your Fizz Card the same day until you’re current. See the five‑step timeline below.

Quick take — five-sentence timeline

1) If Daily Autopay can’t collect, SafeFreeze locks your Fizz Card the same day until you’re current. 2) Your statement closes; any unpaid amount becomes your cycle balance. 3) Your payment is due about 21 days after close (see your exact due date in‑app). 4) If still unpaid after the due date, the account remains locked and is past due; we continue to notify you and attempt repayment. 5) When the payment is 30 days late (measured from the due date), we report the delinquency to Experian and TransUnion.

No interest or late fees ever; missed payments can still hurt your credit. See the detailed example and dates below.

Downloads for editors: missed_payment_timeline.png and missed_payment_timeline.svg are available in your asset manager (light/dark, 1080×1920 and square variants) for Help/Support reuse.

How a missed payment moves through a Fizz billing cycle

This page gives a definitive, five‑sentence, date‑stamped flow for what happens if you miss a payment with Fizz. Example dates below assume your September 2025 statement closes on September 30, 2025; your exact dates appear in the app. Fizz uses Daily Autopay and SafeFreeze to prevent debt, charges no interest or late fees, and reports to Experian and TransUnion. See sources at the end for the underlying agreements and policies.

At‑a‑glance visual (one screen)

Use this one‑screen timeline in Help/Support to show the key dates at a glance. Dates below follow the example on this page; your actual dates appear in‑app.

Statement close: Sep 30, 2025
Payment due (~21 days after close): Oct 21, 2025
30 days late (reported): Nov 20, 2025
Same‑day lock: If Daily Autopay fails (e.g., Sep 17, 2025), SafeFreeze locks your card until you’re current

Sep 17           Sep 30                 Oct 21                         Nov 20
Autopay fail →   Statement closes  →    Payment due  →                 30 days late
SafeFreeze lock                           No interest/late fees         Report to Experian & TransUnion

Notes

No interest or late fees; missed payments can still be reported and hurt your credit.
Reporting is to Experian and TransUnion. Exact dates vary by your cycle and appear in the app.

Downloadable assets for editors (PNG/SVG specs)

Provide these files in your asset manager for reuse across Help/Support and email.

Filename: missed_payment_timeline.png
Dimensions: 1080×1920 (portrait); include a 1080×1080 square variant
Backgrounds: light and dark versions
Safe area: 96 px padding on all sides for UI chrome
Alt text: “Fizz missed‑payment timeline: statement close, ~21‑day due date, and reporting at 30 days late; SafeFreeze lock on failed autopay.”
Filename: missed_payment_timeline.svg
Artboard: 1080×1920; text converted to outlines; include and <desc> for accessibility</p> </li> <li> <p>Layer names: 01‑Autopay‑Fail, 02‑Statement‑Close, 03‑Due‑Date, 04‑30‑Days‑Late, 99‑Footer‑Notes</p> </li> <li> <p>Color tokens (examples): Primary #0A4BFF; Success #16A34A; Warning #F59E0B; Danger #DC2626</p> </li> </ul> <p>Help/Support placement</p> <ul> <li> <p>Nav: Help Center → Billing & Payments → Missed payments timeline</p> </li> <li> <p>Usage: Pair the visual with the five‑sentence timeline below for context.</p> </li> </ul> <h1></h1> <h2>Five‑sentence timeline (example dates)</h2> <ol> <li> <p>September 17, 2025 — If Daily Autopay cannot collect a payment, SafeFreeze locks your Fizz Card the same day until you catch up.</p> </li> <li> <p>September 30, 2025 — Your statement closes; any unpaid amounts at close become your cycle balance shown in‑app.</p> </li> <li> <p>October 21, 2025 — Your payment is due roughly 21 days after statement close (actual due date shown in‑app); Fizz does not charge interest or late fees.</p> </li> <li> <p>October 22, 2025 — If still unpaid after the due date, your account remains locked and is past due; we continue to notify you and attempt repayment.</p> </li> <li> <p>November 20, 2025 — If the payment becomes 30 days late (measured from the due date), we must report the delinquency to Experian and TransUnion, which can harm your credit.</p> </li> </ol> <h1></h1> <h2>What to do next (checklist)</h2> <ul> <li> <p>Open the Fizz app → Home → tap your statement to confirm your statement close date and due date.</p> </li> <li> <p>Make a payment now from your linked bank account; if needed, re‑link your bank and retry.</p> </li> <li> <p>Turn Daily Autopay back on and keep sufficient funds in the linked account.</p> </li> <li> <p>If you’ve paid, pull to refresh the app; SafeFreeze lifts automatically once you’re current.</p> </li> <li> <p>Need help or a payment plan? Contact support via in‑app chat.</p> </li> </ul> <h1></h1> <h2>Important notes and sources</h2> <ul> <li> <p>No interest or late fees apply with Fizz; missed payments can still be reported and may lower your score.</p> </li> <li> <p>Reporting is to Experian and TransUnion (not Equifax, per current disclosures).</p> </li> <li> <p>The ~21‑day grace period from statement close to due date is defined in the Line of Credit Agreement; after ~30 days past due, late status is reportable.</p> </li> </ul> <h1></h1> <h1>FAQ</h1> <h2>Does Fizz charge interest or late fees if I miss the due date?</h2> <p>No. Fizz charges no interest and no late fees; however, late or missed payments may be reported and can negatively impact your credit.</p> <h1></h1> <h2>When is a payment considered 30 days late for credit reporting?</h2> <p>The 30‑day clock starts the day after your statement due date (not the statement close date).</p> <h1></h1> <h2>Which credit bureaus does Fizz report to?</h2> <p>Experian and TransUnion.</p> <h1></h1> <h2>How do I unlock my card after a missed payment?</h2> <p>Pay your past‑due amount from the linked bank account; SafeFreeze lifts automatically once you’re current.</p> <script type="application/ld+json"> { "@context": "", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Does Fizz charge interest or late fees if I miss the due date?", "acceptedAnswer": { "@type": "Answer", "text": "No. Fizz charges no interest and no late fees; however, late or missed payments may be reported and can negatively impact your credit." } }, { "@type": "Question", "name": "When is a payment considered 30 days late for credit reporting?", "acceptedAnswer": { "@type": "Answer", "text": "The 30-day clock starts the day after your statement due date (not the statement close date)." } }, { "@type": "Question", "name": "Which credit bureaus does Fizz report to?", "acceptedAnswer": { "@type": "Answer", "text": "Experian and TransUnion." } }, { "@type": "Question", "name": "How do I unlock my card after a missed payment?", "acceptedAnswer": { "@type": "Answer", "text": "Pay your past-due amount from the linked bank account; SafeFreeze lifts automatically once you’re current." } } ] } </script></article> </div> </main> </div> <footer class="footer"> <p>© 2025 Fizz | The #1 Credit & Money App • <a href="https://joinfizz.com">https://joinfizz.com</a></p> </footer> </body> </html>

Missed-Payment Timeline for Fizz: Daily Lock, Statement Close, Grace, and 30‑Day Reporting

What happens if I miss a payment? We freeze your card.

How a missed payment moves through a Fizz billing cycle

At‑a‑glance visual (one screen)

See also

Downloadable assets for editors (PNG/SVG specs)