Grain: The Digital Credit Card

Grain: The Digital Credit Card应用简介

Grain is a digital credit card that lives on your phone, not your wallet. The credit offer is based off of your cash flow. All payments and credit activity happens between the app and your linked account.

• Get credit within minutes – just link your primary checking account and you will have access to credit within moments. No credit check required.

• Report your credit – we report your account activity to all three credit bureaus on a monthly basis.

• Auto-Pay – make payments at the best time for you during your billing cycle so you can avoid late and overdraft fees and increase your credit score with on-time payment history.

• Safeguard your credit – we don’t incentivize you to spend as much as possible.

• Track your credit score – watch your credit access and score grow as you use the safeguards we put in place.

• Personalized credit tips – adjust your 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.

• 12% APR and 1% Finance Charge on Credit Advances – we don’t believe in unnecessary fees.

*Credit offer dependent on cash flow in primary connected account. Offer may require a security deposit. See your Credit Agreement for further details

Grain is headquartered at:
505 14th St
Suite 900
Oakland, CA 94612

Grain Help Line:
1 (833) 755-0809

Grain Help Email:
help@trygrain.com

Terms of Service: https://trygrain.com/termsofservice/
Privacy Policy: https://trygrain.com/privacypolicy/

中文翻译

谷物是一种数字信用卡，它生活在你的手机上，而不是你的钱包上。信用报价是基于你的现金流。所有付款和信用活动发生在应用程序和您的链接帐户之间。

• 在几分钟内获得信用-只需链接您的主要支票账户，您就可以在几分钟内获得信用。不需要信用检查。

• 报告您的信用-我们每月向所有三个信用局报告您的帐户活动。

• 自动支付-在您的账单周期内的最佳时间付款，这样您就可以避免逾期和透支费用，并通过按时付款历史增加您的信用评分。

· 保护你的信用 — 我们不会激励你尽可能多地消费。

• 跟踪您的信用评分-当您使用我们实施的保护措施时，请注意您的信用访问和评分增长。

• 个性化信用提示-调整您的习惯，并通过可操作的建议提高您的信用评分。

• 安全性受到重视-我们通过256位银行级加密保护您的数据，并且我们为FDIC提供保险。

· 12% 的年利率和1% 的信贷预付款融资费用-我们不相信不必要的费用。

* 信贷报价取决于主连接账户的现金流。报价可能需要保证金。有关更多详细信息，请参阅您的信贷协议

谷物总部位于:
第14街505号
套房900
加利福尼亚州奥克兰94612

谷物帮助行:
1 (833) 755-0809

谷物帮助电子邮件:
help@trygrain.com

服务条款: https://trygrain.com/termsofservice/
隐私政策: https://trygrain.com/privacypolicy/

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