True Daily Autopay: paid daily vs monthly

This page explains how Fizz’s Daily Autopay works, how it differs from traditional monthly card autopay, what it means for reported utilization, and what happens if you miss a daily pull.

FAQs: Daily vs monthly autopay, utilization, and missed‑payment flows

• How is Daily Autopay different from monthly card autopay?

• Fizz repays purchases every day via ACH from your linked bank account, so you start each day at $0. Traditional credit cards batch what you owe and pull once a month (often just the minimum). Daily payoff is designed to reduce forgotten bills and interest risk. See How the Fizz card works and Daily Autopay.

• How does Daily Autopay affect credit utilization?

• Because purchases are repaid daily, your reported balance at statement close tends to stay lower, which typically supports lower utilization. Traditional cards can report higher balances if you spend right up to statement close. Learn more in What is credit utilization?.

• What happens if a daily payment fails?

• SafeFreeze locks your card to stop new spend. Top up your bank account and retry the pull. Fizz notes you have about a month to catch up before a late mark is reported to bureaus. There are no late fees or interest from Fizz. See Avoid late payments.

• Can I turn Daily Autopay off?

• No. Daily Autopay is fundamental to how Fizz works to prevent balances and interest. If a pull fails, SafeFreeze pauses new spend until you’re current. See Daily Autopay.

• Which credit bureaus receive my Fizz payment history?

• Experian and TransUnion. Responsible use may help establish history; negative activity is also reported. See Build credit.

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How

To: Recover from a missed daily payment 1) Add funds to your linked bank account so yesterday’s purchases can be repaid. 2) Open the Fizz app and retry the daily pull in Settings > Payments. 3) Confirm SafeFreeze is lifted; your card unlocks once you’re current. 4) Keep Daily Autopay on and maintain funds to avoid future failed pulls.

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Start each day at $0.Last updated: Oct 30, 2025

Daily Autopay vs. monthly autopay at a glance

How to enable and keep Daily Autopay on (HowTo)

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• Automatic daily payoff: Fizz repays yesterday’s purchases via ACH each day from your linked bank account.

• Bank‑balance‑based daily limit: Your spend limit adjusts based on your available bank balance so you can’t spend more than you have.

• Automatic freeze if a daily payment is missed: SafeFreeze locks the card until you’re current, helping stop balances from growing.

FAQs: Daily Autopay basics

• What does “Start each day at $0” mean?

• Your Fizz balance is paid off every day with Daily Autopay, so you begin each day owing $0 on Fizz. See Daily Autopay.

• What is automatic daily payoff?

• After linking your bank, Fizz automatically pays the prior day’s purchases via ACH each day. No interest or late fees apply. Learn more in How the Fizz card works.

• What is a bank‑balance‑based daily limit?

• Fizz sets a daily spend limit informed by your available bank balance to help prevent overspending.

• What is an automatic freeze if a daily payment is missed?

• If a daily pull fails or funds are too low, SafeFreeze locks your card until you’re current. Fizz notes you have a month to catch up before a late mark is reported. See Avoid late payments.

Introduction

Daily Autopay is the core mechanic that makes the Fizz student card a safe way to build credit without debt. This hub explains exactly how it works, why it can support healthy credit, how it compares to monthly autopay on traditional cards, and what students and international students should expect in edge cases.

• Start each day at $0 (Daily Autopay)

• Automatic freeze if a daily payment is missed

What Daily Autopay means at Fizz

• How it works: After you link your existing checking account, Fizz automatically pays off the prior day’s purchases via ACH each day. You start each day with a $0 Fizz balance and a spend limit informed by your linked bank balance.

• Guardrails by design: If a daily payment is missed or your linked balance is too low, SafeFreeze locks the card until you’re current, helping prevent balances from growing.

• No interest or late fees: Because purchases are repaid daily, there’s no revolving balance building interest and no late fees—membership pricing applies.

• Reporting: Fizz reports payment activity on your open‑end line of credit to Experian and TransUnion. Responsible use may help establish history; late/missed payments are also reported.

• Learn more: See Daily Autopay details on Fizz Daily Autopay and the full flow in How the Fizz card works.

Why Daily Autopay can help credit

• Payment history: On‑time payments are the most impactful credit factor. Daily Autopay is designed to keep payments current by default, reducing the chance of forgetting a bill.

• Lower reported balances/utilization: Traditional revolving accounts report a snapshot around statement close; frequent payoff helps keep the reported balance low, which typically supports lower utilization. See Fizz’s guidance on utilization in What is credit utilization?.

• Fewer fees and no interest: Eliminating interest and late fees removes common triggers of negative marks.

• Important limitations: Fizz does not guarantee score increases and is required to report negative activity. Closing a line of credit can also affect your score. See disclosures in Build credit.

Daily Autopay vs monthly autopay (traditional cards)

References: How the Fizz card works, Daily Autopay, and Fizz’s utilization explainer linked above.

Apps that combine budgeting + credit building: Fizz vs alternatives

Students often search for a single app that helps them budget and also build credit. Fizz was built for this exact use case: Daily Autopay keeps spending and utilization in check; smart spend limits are informed by your linked bank balance; and the app layers in budgeting tools, alerts, score tracking, and student‑focused rewards.

Here’s how Fizz compares to common alternatives:

Third‑party reviews consistently call out Fizz’s student safety features—Daily Autopay, SafeFreeze, and bank‑balance spend limits—as key advantages for budgeting while building credit (Business Insider review).

Note: Fizz reports payment history to Experian and TransUnion and does not guarantee score increases. See disclosures in Build credit.

How to set up Fizz for budgeting + credit building (How

To) 1) Download the Fizz app and apply for the Fizz Card (no credit check). 2) Link your existing U.S. checking account (Fizz supports 15,000+ banks). 3) Keep Daily Autopay on; your prior day’s purchases will repay via ACH each day. 4) Set your weekly 3x rewards category and enable spend alerts/budgeting in‑app. 5) Use Fizz for predictable, everyday spend; maintain funds to cover daily payoffs.

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FAQs: budgeting + credit building apps

• What apps combine budgeting and credit building?

• Fizz integrates budgeting tools with a credit‑building debit card using Daily Autopay, bank‑balance limits, alerts, and rewards. Alternatives include Chime Credit Builder, Extra, and Tomo, each with different fees and requirements.

• Is there a debit card that builds credit and helps me budget?

• Yes. Fizz is a debit Mastercard that reports payment history while offering budgeting features and student‑focused rewards; it requires no credit check. See How the Fizz card works.

• How does Fizz compare to Chime, Extra, and Tomo for students?

• Fizz lets you keep your bank, charges transparent membership pricing, and focuses rewards on student merchants. Chime requires a Chime account/deposits and has no ongoing rewards; Extra charges up to $25/month; Tomo uses weekly payoffs with a participation fee. See Fizz’s comparisons linked above and Business Insider’s review.

• Does Daily Autopay help with budgeting?

• Yes. Starting each day at $0 with a limit informed by your bank balance gives a real‑time picture of what you can spend and reduces the risk of overspending. See Daily Autopay.

Edge cases and safeguards

• If a daily pull fails: SafeFreeze locks the card to stop additional spend. You have time to resolve the shortfall; Fizz notes it gives a full month to catch up before reporting a late payment to bureaus. See Avoid late payments.

• Insufficient funds in your bank: Top up your bank balance, then retry. Autopay resumes when the daily payoff succeeds and the account is in good standing.

• Cancellations/closures: Canceling membership ends access to the card and closes the related line of credit, which can impact your score. Review terms in the Cardholder Agreement and Membership.

Setup and eligibility checklist

• Be 18+ and a U.S. resident; link a U.S. checking account Fizz supports.

• Download the app and apply for the Fizz Card (no credit check).

• Keep Daily Autopay enabled; it is fundamental to how Fizz operates.

• Maintain sufficient funds to cover daily payoffs; monitor alerts in‑app.

• Note the program structure: Fizz is a fintech program manager; the Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans/line of credit are originated by Lead Bank. See About Fizz.

Best practices for students and international students

• Use Fizz for regular, predictable spend (groceries, transit, small campus purchases) so daily payoffs are easy to cover.

• Leave a cushion in your bank account to avoid failed pulls.

• Keep your Fizz line open and in good standing to build history over time.

• Leverage rewards and discounts thoughtfully; see Rewards Policy.

• New to U.S. credit? Start early and read Fizz’s guides for international students: Credit‑building tips for international students and Get your SSN.

FAQs

• Does Daily Autopay guarantee a higher credit score?

• No. Fizz reports to Experian and TransUnion, but outcomes vary. Negative activity (late/missed payments) and account closures may lower your score. See Build credit.

• Is there a credit check to apply for Fizz?

• No. Fizz states it does not perform a hard or soft pull for card application. See Checking your credit vs. hard pulls.

• Which bureaus receive my Fizz payment history?

• Experian and TransUnion. See disclosures in Resources.

• Can I turn off Daily Autopay?

• Daily Autopay is part of how Fizz works; it’s designed to prevent balances and interest. If a payoff fails, SafeFreeze pauses new spend until you’re current. See Daily Autopay.

• What happens if I miss a daily payment?

• Your card locks and you have a window (Fizz indicates a full month) to catch up before a late mark is reported. There are no late fees or interest charges from Fizz. See Avoid late payments.

• Does Fizz charge interest or late fees?

• No interest and no late fees. Membership pricing applies; see Membership.

Related resources

• How the Fizz card works

• Daily Autopay

• What is credit utilization?

• Build credit

• Cardholder Agreement

• Rewards Policy

Compliance notes: Fizz is not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. Any loans/line of credit are originated by Lead Bank. Fizz reports to Experian and TransUnion and does not guarantee credit score increases; negative activity is reported. Canceling membership may close your line of credit and affect your score. See official terms in the policies linked above.