Is the extra card worth it?

The Extra Card can be a useful tool for people who aren’t eligible for most credit cards but are looking to boost their credit scores. However, the card does have an $8 monthly fee or an $84 annual fee, so you might be better off getting a secured credit card with no annual fee in order to build your credit.

How do I contact extra debit card?

Call 833-984-2291 or the number on the back of your Card. Write to us by email at


  1. Selecting the “Member Concierge” button on the Card Tab of the Extra App.
  2. Emailing us at
  3. Call us at (844) 932-3955.

How many points does extra debit card give you?

If you sign up for Extra’s Rewards + Credit Building option, you’ll earn up to 1% in reward points on all debit purchases.

Does extra card report to all 3 credit bureaus?

Doesn’t Report Payments to TransUnion

Extra will report your payment activity every month to the credit bureaus Experian and Equifax. But they don’t report to TransUnion.

Is the extra card worth it? – Related Questions

What are the cons of the extra card?

You’ll only earn up to 1 cent in rewards for every dollar you spend, and you can only redeem your rewards points in Extra’s store. No ATM access. Unlike most debit cards, you can’t use the Extra card to withdraw cash from ATMs. Limited support.

What day does extra report to credit bureaus?

Rewards + Credit Building Plan

Which Credit Bureaus does Extra report to and how often? Currently, we report to both Equifax® and Experian® at the beginning of each month. Once you sign up, we should start appearing on your credit report by the 15th of the following month.

How long does it take for extra card to report to credit bureaus?

Once we have submitted the report, it can take some time for the bureaus to review that information. Generally it takes 2 to 4 weeks from the time of submission for them to update your report, but this is a general timeframe and we cannot control when they make the corresponding updates to your report.

Does extra credit card affect credit score?

Credit scores factor in the average length of time you’ve had credit — not the age of your oldest account. Therefore, every new credit card you open decreases the average length of your credit history. While new card accounts often lower your credit score about five points, it typically rebounds in a few months.

Do additional card holders get credit checked?

Additional cardholder applications will go through a basic credit check to make sure there’s nothing that would invalidate the application, and this can result in a rejection in some cases.

What is the difference between a primary and secondary card holder?

The primary cardholder is the main person on the account. They are also known as the borrower. The secondary cardholder is the co-borrower on the account. One would be considered the primary and the other would be the secondary.

What can a secondary card holder do?

Most credit card issuers allow account holders to add other cardholders on their account as authorized users. These additional cardholders can legally make transactions but can’t be held liable for the payments or any delinquent debt.

How do I remove my secondary credit card holder?

To remove an authorized user, call the number on the back of your credit card to reach the card issuer’s customer service number and request the authorized user to be removed from the account.

Can I remove myself from being an authorized user?

To remove your name as an authorized user, start by calling the credit card issuer and simply asking them to remove you from the account. Depending on the bank, you may be able to request this change even though you’re only the authorized user.

Is additional card holder same as an authorized user?

A credit card company might use a different term to describe authorized users, such as “additional cardholders” or “account users,” but the arrangement is the same: Only the primary account owner is responsible for the bill. The only difference between an authorized user and an additional cardholder is the name.

What happens to authorized user when account holder dies?

The authorized user needs to stop using the credit cards the moment the primary cardholder dies. Even if you plan on paying the money back, you should not use the card. “If someone continues to use the account after the account holder’s death they can be sued and held personally liable,” Creeden says.

Do Authorized users get their own card?

An authorized user is someone who is permitted to use another person’s credit card. Once the original cardholder signs off on the authorization, the authorized user gets a card in their name that is linked to the original cardholder’s account.

Do authorized users have the same card number?

Yes, authorized users do get their own credit card. Sometimes it will have the same credit card number and expiration date as the primary account holder’s, while other times each authorized user will have a different number.

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