EXTRA: Build Credit with Debit Copy Update

EXTRA: Build Credit with Debit Copy Update

The Aligned Company  ❘ Freeware
Android iOS
out of 8874 votes
Latest Version
Copy Update
Safe to install

Empower Your Financial Journey with EXTRA

Elena Angelini

EXTRA by The Aligned Company transforms your debit card usage into a powerful credit-building tool, helping you enhance your financial profile effortlessly.
2025 Editor's Rating
EXCELLENT User Rating

Get the Extra Debit Card - the first debit card that helps you build credit. Start your journey to better credit and enjoy the benefits of swiping the Extra Debit Card daily. Track your purchases, earn reward points*, and build credit while you spend.

  • Apply in less than 15 minutes
  • No credit check required
  • Earn up to 1% back in reward points*
  • Get the most stylish debit card
  • Explore our plans and apply securely online on our website

HOW IT WORKS:

  • Sign up by linking your bank account* and receive a spending limit based on your bank balance*, without undergoing a credit check
  • When you use your Extra Debit Card, we cover the purchase and automatically reimburse ourselves the next business day
  • At the end of each month, we compile all your transactions and report them to credit bureaus as credit-worthy payments

Download our new and improved app today to access exclusive content on credit, browse our Rewards Store, and enjoy exciting giveaways for MacBooks, PS5s, gas cards, and more. Manage your card with ease and look forward to more enticing features in the future.

REDEEM POINTS IN THE REWARDS STORE*:

Spend your reward points on a range of items, including must-have tech, stylish home goods, captivating books, and much more!

Cultivating better credit can open doors for you. Qualify for an apartment, purchase your dream home, or secure better interest rates on car loans - all thanks to improved credit.

FAQs:

Is Extra a Secured Card?

No, the Extra Debit Card is not a secured card. Members connect their bank account* to build credit* with debit and earn reward points* using their own funds.

Why should I trust Extra with my bank account?

We utilize Plaid to establish a secure connection with your bank account. Plaid employs encryption and adheres to internationally recognized security standards to safeguard your information.

*Pricing and reward availability vary depending on the selected plan and term. The impact on your credit score may vary based on your usage. Extra is obligated to report both on-time and late payments, which may affect your credit score. To transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services. Extra determines each cardholder's spending power through a proprietary data-driven risk model, employing objective signals to identify those capable of paying for their transactions.

The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank, N.A. (Member FDIC), under license from Mastercard International. It can be used wherever Debit Mastercard is accepted. Loans provided by Lead Bank. Banks are not responsible for credit reporting.

Advertised credit claims represent typical outcomes for customers who follow Extra's recommendations, based on a study using Experian data. For more information, please visit extra.app/study.

Overview

EXTRA: Build Credit with Debit is a Freeware software in the category Business developed by The Aligned Company.

The latest version of EXTRA: Build Credit with Debit is Copy Update, released on 09/22/2023. It was initially added to our database on 09/22/2023.

EXTRA: Build Credit with Debit runs on the following operating systems: Android/iOS.

Users of EXTRA: Build Credit with Debit gave it a rating of 5 out of 5 stars.

Pros

  • Simple and easy-to-use interface for tracking spending and building credit
  • Allows users to make debit card purchases that are reported to credit bureaus and can help build credit
  • Provides helpful tips and guidance on how to improve credit score and financial health
  • Can be a useful tool for individuals looking to establish or improve their credit history

Cons

  • May not be suitable for individuals who prefer using credit cards for building credit
  • Requires linking bank accounts, which some users may find invasive or risky
  • The concept of using debit card purchases to build credit may not be as effective as traditional credit-building methods

FAQ

What is EXTRA: Build Credit with Debit?

EXTRA is a product that allows users to build their credit score by using their debit card for everyday purchases.

How does EXTRA help in building credit?

EXTRA reports debit card purchases to credit bureaus, allowing users to establish a credit history based on their spending.

Do I need a credit check to use EXTRA?

No, there is no credit check required to sign up for EXTRA.

Is there a fee associated with using EXTRA?

EXTRA may have a monthly subscription fee or transaction fees, so it's recommended to check the terms and conditions.

Can anyone use EXTRA?

Yes, anyone with a valid bank account and a debit card can apply for EXTRA and start building credit.

How soon will I see an impact on my credit score?

Users may start seeing an improvement in their credit score within a few months of consistent usage.

Can I use EXTRA internationally?

EXTRA is primarily designed for use within the United States; international usage policies may vary.

What happens if I do not have enough funds in my bank account when making a purchase?

If you attempt to make a purchase without sufficient funds, the transaction will be declined, just like with any debit transaction.

Can I track my credit score with EXTRA?

Yes, EXTRA provides tools to help you monitor your credit score and understand how your spending habits impact it.

Is my personal information secure with EXTRA?

Yes, EXTRA takes data security seriously and uses encryption and other security measures to protect user information.


Elena Angelini

Elena Angelini

I'm Elena, your go-to software reviewer at UpdateStar and tech enthusiast. Whether you're a user seeking the latest software titles or software news I've got you covered. When I'm not diving into the latest software, you can find me exploring nature trails, camping under the stars, or competing in online multiplayer games. My reviews are designed to be fun, engaging, and packed with all the details you need to make informed decisions.

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