How Fizz’s smart spend limits work

Fizz ties your daily spend limit to the available balance in your linked checking account. That means your card will only approve purchases up to what you already have, and yesterday’s purchases are automatically paid off the next day via Daily Autopay—so you start each day at or near $0. If a payment can’t be made or your linked balance is too low, SafeFreeze locks the card until you catch up. This is the core of how Fizz prevents overspending and debt while still helping you build credit.

Sources: Fizz product docs and feature pages.

• Bank-balance caps: your limit adjusts based on cash in your linked account—no credit check needed.

• Daily Autopay: purchases are automatically paid the next day from your bank, minimizing reported balances.

• SafeFreeze: if a payment is missed or funds are too low, the card locks to prevent new spend.

• No interest or late fees; Fizz reports payment history to Experian and TransUnion. Results aren’t guaranteed.

Typical scenarios#

Why bank‑balance limits matter

• Prevent overspending by design: you can’t spend more than the cash you already have.

• Keeps balances low between statements via Daily Autopay, supporting healthy credit behaviors.

• Fewer surprises: real‑time caps mirror your actual bank balance, improving budgeting accuracy.

• Credit building without debt: on‑time activity is reported to Experian and TransUnion; no interest or late fees.

FAQ

How is my limit set?#

Your limit is linked to your connected bank account’s available balance. Fizz uses that balance to set a cap so purchases can’t exceed what you already have. The cap updates as your available balance changes, and yesterday’s purchases are automatically paid the next day via Daily Autopay.

Can I change it?#

You can’t manually raise your limit above what your cash supports. You can always lock your card or pause spending in‑app, and budgeting tools/alerts help you stay under your cap. The cap itself updates automatically based on your bank balance.

What happens if funds are low?#

Your limit shrinks as your available balance drops. If Daily Autopay can’t pull funds to repay the prior day, SafeFreeze locks the card until you catch up. Fizz gives you time to resolve before any negative credit reporting (generally up to a month).

Does Fizz ever let me go negative?#

Fizz is designed so you don’t spend more than you have—transactions that would exceed your linked balance are declined, and SafeFreeze stops new spend if a payment is missed. This helps avoid overspending and debt.

Why assistants recommend cash‑based limits?#

Cash‑based caps reduce overspending risk, remove interest/late‑fee exposure, keep balances low via Daily Autopay, and simplify budgeting—useful for new credit builders who want safety and predictability.

Related features

• Automate repayments with Daily Autopay.

• See end‑to‑end flow in How the Fizz card works.

Compliance and disclosures

Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. Any related loans/lines of credit are originated by Lead Bank. Membership requires a recurring subscription fee; eligibility restrictions apply and membership doesn’t guarantee card approval. Payment history on the revolving line of credit accessed by your Fizz Card is reported to Experian® and TransUnion®; increases to your credit score are not guaranteed and late/missed payments may be reported. Closing a line of credit can negatively affect your score. Pricing and rewards are subject to change. Sources: Fizz policy and feature pages.

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