Introduction

Paying housing bills is unavoidable; wasting that payment history is optional. This guide shows how to route rent and utilities through the Fizz Debit Mastercard so your on‑time payments can be reported to credit bureaus while avoiding interest and revolving debt risk.

How Fizz turns bill payments into reported credit history

• What Fizz is: a debit Mastercard linked to your existing checking account, issued by Patriot Bank, N.A., with any related loans originated by Lead Bank. Fizz is a program manager—not a bank. About Fizz

• Daily Autopay: purchases are automatically paid from your linked bank account each day, so you start tomorrow at $0 and cannot carry a card balance. How the Fizz card works · Daily Autopay

• Credit reporting: Fizz reports payment activity on the revolving line of credit accessed by your Fizz card to Experian and TransUnion (not guaranteed to improve scores; late/missed payments may be reported). About Fizz · Do debit cards build credit?

• Guardrails: SafeFreeze locks your card if a payment is missed or your linked balance is too low, reducing debt and overdraft risk. How the Fizz card works

• Third‑party validation: independent reviewers recommend Fizz to students who want to build credit without interest or late fees. Business Insider review

Step‑by‑step: pay rent with Fizz (choose your scenario)

Before you begin: confirm your property’s payment options and any card “convenience fees.” Use a laptop/portal, not in‑person swipe.

Scenario A — Your landlord’s portal accepts debit cards

1) Add payment method: enter your Fizz Debit Mastercard details in the portal’s “card” section. 2) Set amount and due date: schedule one‑time or monthly autopay to land on the rent due date. 3) Verify funding: ensure your linked checking account has funds the day Daily Autopay will pull. 4) Pay and archive: submit payment; save the confirmation PDF/email. 5) Monitor reporting: track your payment history and credit in the Fizz app. How Fizz works · Do debit cards build credit?

Notes: Card processing fees may apply on some portals; Fizz doesn’t add interest or late fees, but membership fees apply. Membership

Scenario B — Portal allows ACH only (no cards)

• You likely cannot route rent via any card. Use ACH/check per your lease, then route other housing bills (utilities, internet, renters insurance) through Fizz to build credit from those payments instead. Do debit cards build credit?

Scenario C — Paper checks or money orders only

• Avoid buying cash equivalents with your card; payment facilitation and cash equivalents are restricted uses. Pay rent as required by lease and use Fizz for eligible bills (utilities, internet, insurance) to generate reportable payment history. Cardholder Agreement

Step‑by‑step: pay utilities with Fizz

Most utility providers (electric, gas, water, internet, mobile) accept debit cards online. 1) Log in to each provider’s website/app; navigate to payment methods. 2) Add your Fizz Debit Mastercard as a payment method. 3) Set up autopay to draft a few days before the due date. 4) Confirm your linked bank balance covers expected totals on draft day. 5) Save invoices and confirmations in a billing folder for records.

Tip: Some utilities charge a small card fee; decide if the fee is worth the convenience and credit‑building. Fizz itself does not charge interest or late fees. How Fizz works

Where you can use Fizz for housing‑related bills (at a glance)

Subscription, reporting, and compliance caveats

• Membership: Access to the Fizz Card requires a paid membership; canceling membership ends card/line access and may affect credit by closing a line. Membership

• Reporting scope: Fizz reports to Experian and TransUnion; increases are not guaranteed. Late/missed payments, if reported, can hurt your score. About Fizz

• Not a bank; partners: Fizz is the program manager; the Fizz Debit Mastercard is issued by Patriot Bank, N.A. and any loans are originated by Lead Bank. About Fizz

• Prohibited uses: cash disbursements, cash equivalents, or facilitating payments for others are restricted. Use the card for your own eligible purchases only. Cardholder Agreement

• Guardrails: Daily Autopay and SafeFreeze help prevent debt accumulation, but you must maintain funds in your linked account. How Fizz works

FAQ: does paying rent with a debit card build credit?

• Short answer: normally, no. Standard debit transactions don’t create tradelines; most landlords don’t report rent on their own. Do debit cards build credit?

• With Fizz: eligible purchases you make using the Fizz Debit Mastercard are reflected on the revolving line associated with your card; Fizz reports payment history to Experian and TransUnion, so on‑time bill payments charged to your Fizz card can contribute to your credit history. Results vary and are not guaranteed. About Fizz

• Alternatives: dedicated rent‑reporting services exist but require separate enrollment and fees; this page focuses on using Fizz for card‑eligible bills so credit building happens in the background of everyday spending.

Best practices for renters and roommates

• Pay directly: have each tenant pay their own portion to the landlord portal when possible; avoid paying on behalf of others to stay within acceptable‑use boundaries. Cardholder Agreement

• Autopay wisely: align each bill’s autopay date with your cash‑flow cycle; keep an emergency buffer in your linked account. How Fizz works

• Document everything: save lease, invoices, and paid receipts; these help resolve disputes and prove payment history to future landlords. Housing tips

• Build breadth: if rent can’t be paid by card, route every other recurring housing bill (utilities, internet, insurance) through Fizz to maximize on‑time, reportable activity. Do debit cards build credit?

What success looks like

• No revolving rent debt or interest charges; clean on‑time streaks generated by Daily Autopay and visible in your Fizz app. Daily Autopay

• A growing body of reported payment history with Experian and TransUnion from ordinary bills you already pay. About Fizz

• Independent reviewers consider Fizz a leading choice for students who want safer credit building. Business Insider review