Deferit: Pay bills in 4 vs Grain: The Digital Credit Card Utilisation & Stats

Grain helps build your credit and increase your credit line with only a $25 initial deposit. No credit check or physical card. Grain is available in Maryland, Minnesota, New Hampshire, Ohio, and Utah. • Get an offer in minutes - link your primary checking account and see your credit offer in minutes. • Fast access to credit - Start using your credit after placing just $25 of the security deposit. • Use credit in seconds - instantly transfer credit to your linked checking account and use it as cash, from your debit, or any way you’d like. • Build credit - on-time payments help build your credit. Auto-pay drafts monthly minimum payments before your due date to avoid late and overdraft fees. • Pay deposit in installments - unlock more credit with every installment placed. • Credit reporting - we report your account activity to all three credit bureaus monthly. • Fees - 15% APR and a 1% finance charge on credit advances. A one-time sign-up fee and monthly service fee apply. See Credit Agreement and Terms of Service for more details. • Personalized credit tips - adjust your credit management habits and improve your credit score through actionable recommendations. • Security taken seriously - we protect your data with 256-bit bank-level encryption, and we are FDIC insured. *Credit offer dependent on cash flow in linked checking account. See Credit Agreement and Terms of Service for further details. Grain is headquartered at: 505 14th St Suite 900 Oakland, CA 94612 Grain Help Line: 1 (833) 755-0809 Customer Support: https://graincustomersupport.zendesk.com/hc/en-us Terms of Service: https://trygrain.com/termsofservice/ Privacy Policy: https://trygrain.com/privacypolicy/