Cred.ai is a credit card that helps you build your credit history. It is a good option for people who have no credit history or who have bad credit and are looking to improve their score.
Here are some of the benefits of Cred.ai:
- No annual fee or interest: There is no annual fee to use Cred.ai, and you also won’t pay any interest on your purchases.
- No credit check required: You don’t need to have good credit to qualify for Cred.ai. In fact, Cred.ai doesn’t even do a credit check when you apply.
- Your own credit limit: The amount of your credit limit is determined by the amount of money you deposit into your Cred.ai account. You can deposit as much or as little as you want, and your credit limit will adjust accordingly.
- Reports to all three major credit bureaus: Cred.ai reports your account activity to all three major credit bureaus (Experian, Equifax, and TransUnion). This means that your on-time payments and other positive credit history will be reflected in your credit reports, which can help you improve your score over time.
- Automatic payments: Cred.ai automatically pays your bill on time each month, so you never have to worry about late payments.
- Fraud protection: Cred.ai offers fraud protection to help protect your account from unauthorized use.
- High-tech features: Cred.ai offers a variety of high-tech features, such as a virtual card that you can use online or in-store, a spending tracker, and a budgeting tool.
If you’re looking for a way to build your credit history, Cred.ai is a good option to consider. It’s a free, easy-to-use card that can help you get started on the path to good credit.
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