Extra

💳The Extra Card: Debit that builds credit
🎁Earn Rewards Points everywhere
👇Credit confused? Download the app to learn more.

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@VileJinx Hey Jinx! Opening or closing any financial account can temporarily reduce your score. Unfortunately, this is the case for every credit-building product, and your points will be forfeited once the account is closed. 🙏

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You asked, and now it’s finally here 👀 Start tracking your credit score with the new Credit Journey on the Extra App. This feature lets you see changes to your credit score as you swipe and build credit with the Extra Debit Card. Not a member? Head to the link in bio to apply.

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@DamnedMariachis Hey there! This is a known error and has since been fixed. Please head to the App Store and update Extra App to its latest version. 😊

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@rudycito23 Apologies for the frustration! This is a known error, and our team is working to get this fixed ASAP.

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Need a last-minute Valentine’s Day gift? Here’s our list of ideas that your partner *and* your bank account will love 💖

https://t.co/njk7n7NzJD

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https://t.co/FLILg37UHd

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For Black History Month, we’re featuring Black personal finance influencers.

Today, we’d like you to meet Chris Browning at @popcornfinancepodcast. He covers everything from student loans, credit, and even side hustles to make extra $$$. Check out his podcast! #BlackHistoryMonth

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🚨Time to BeReal 🚨 You have 2 min to tell us your credit story in the comments below to see what your friends are up to.

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Honestly, do you know what a credit score is? No? That’s ok. Today on Credit Talk with @extra.card, we break it down & make it less scary. WHAT ARE YOUR CREDIT QUESTIONS?

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If you could go back in time, what would you tell your younger self about money? We asked real people and the answers will surprise you! #moneytips

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If you’re looking to build your credit, look into the Extra Debit Card instead of a traditional credit card. Apply with no credit check and build credit with every swipe.

Head to the Extra Blog for more 👇
https://t.co/qcy6bsCVjb

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Opening a new credit card can lower your credit score.

If you catch your score dropping after applying for a new credit card, these three reminders might be why 👇

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#3 Higher credit use

Try to keep your credit utilization under 30%. The more you exceed this rate, the more your score could be at risk for dropping.

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@Captain5Carnage the Extra Debit Card only allows you to use the money you already have to build credit on the everyday purchases you're already making. 👑

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#2 Be aware of interest rates

Heads up—Your credit score will probably determine how much interest you’ll pay for the loan. Be sure your extra monthly cash goes for road trips and gas than paying off more interest.

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If you’re looking to build your credit for a new car, consider getting the Extra Debit Card. Apply with no credit check and build credit with every swipe.

Learn more on the Extra Blog 👇
https://t.co/M9XLkCnQ6h

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#3 Keep old accounts open

The length of your credit history can help your credit score. Consider leaving old accounts open—even the credit cards you don’t use anymore—to help cushion your score when shopping for a new car.

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#1 Aim for *at least* a Fair credit score

The dealership will review your income and credit score to determine what your payment terms will be. You’ll want a minimum score of 657-661 to get a favorable loan.

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That new car smell never gets old—but to actually *buy* a car, you’ll need a solid credit score.

Read why below before asking the dealership for a test drive 👇