How your Credit works with AtoB

We frequently get questions around how much credit is available to you and what that means since we do not operate on a monthly basis, but as a weekly basis. So here we have put together an FAQ to help you understand your credit limits and how to maximize your weekly availability.

How much credit do I have available?

This is the amount listed under Available to Spend. It will fluctuate with any impacts made against the account (transactions, payments, etc).

Where Can I Find My Weekly Credit Limit?

This can be found to the right side of the box, in this case Limit of $500. This means you get $500 to start fresh every week, provided there are no impacts affecting the amount (discussed below in How does my creditline work, and Can I get a temporary bump).

How Can I Get Additional Credit?

Some customers will see this handy little link under their credit limit that says “Request limit increase.” If you do not see this, you may reach out to customer support to request a review for additional credit. You will need to provide:

• The weekly credit limit you desire
• A reason for the increase
• (Subject to underwriting requirement) Bank statements or a Plaid connected bank connection

Banks connected by micro deposit will need to provide the previous 3 months of statements in the original PDF as downloaded from your online banking platform. Banks connected through Plaid may not need to share these statements if the Plaid link is active. If it is inactive an agent may request you “refresh” the link.

NOTE: All credit increase requests are subject to underwriting approval. 

How Does My Creditline Work?

Your creditline is affected by different impacts. Impacts are actions you take:

• Transactions
• Making payments

Some impacts may come from other sources:

• Arrears (past due amounts)
• Credits (we give you some amount, such as a refund for a fee)
• Adjustments (we charge you some amount, such as a card order with expedited shipping)

Your available credit can rise and fall depending on these different impacts.

One way to affect your available credit is to make “early payments.” An early payment is a payment made during the billing cycle to “buyback” some of your weekly spend:

• Account balance - How much you currently owe. This contains both the current statement, previous statements which are not yet past due, and past due statements.
• Arrears - Past due amounts. This can be because a payment failed, you moved it from its due date, or your payment is still in processing and the bank has not released the funds to us. NOTE: You may see funds taken from your bank account, but this does not necessarily mean the bank has completed processing and delivered the funds to us.
• Current weekly spend - The amount you have spent this week.
• Available credit - The amount you have remaining to spend, less impacts such as transactions, adjustments, current account balance, early payments.

Can I Get A Temporary Bump?

Yes, it is possible to get a temporary bump in your credit. This is a statement specific increase that will reset with your new week to the old credit limit, not to be confused with a credit limit increase. Some different reasons for a bump might include:

• Repair bill a little higher than your available credit
• Need one more tank of gas before the statement period resets
• Out of credit but need a tow
• Various other reasons

Please note that temporary bumps still require evaluation and are subject to approval by the Risk team. Bumps are appropriate when credit is needed to make a purchase and it is faster than trying to provide cash on-hand (you have funds in the bank, but the driver is in another state). Bumps may affected by impacts such as:

• Failed payments in your history
• Insufficient funds in your history
• Lack of a payment history
• Excessive request requiring a full credit increase request

We hope this FAQ helps you understand some basic and some intermediate ideas around how your credit works, and how you can get additional funds when needed. As always, if you have any questions please feel free to reach out to us at:

• AtoB Support Main Line: 833-947-2862
• AtoB Support Email: [e-mail]

Live Chat: Available in the bottom right corner of your AtoB dashboard at app.atob.com
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