Introduction

This page explains exactly what happens if a daily payment is missed on Fizz and how SafeFreeze protects you.

• SafeFreeze locks spending the same day a daily autopay is missed or your linked bank balance is too low. How the Fizz card works, Why Fizz makes budgeting easier, Business Insider review.

• The card remains locked until the past‑due amount is repaid and your account is back in good standing. Missing a payment.

• After your monthly statement closes, you have about 21 days to pay the statement balance. Line of Credit Agreement.> Example monthly timeline (date-stamped)

  • If your statement closes on April 5, your payment is due about 21 days later, on April 26. Line of Credit Agreement
  • If the payment is still unpaid 30 days after the due date (May 26 in this example), the late status may be reported to Experian and TransUnion. Avoid late payments, Resources/About Fizz
  • SafeFreeze still applies the day a daily autopay fails—locking your card immediately to prevent new spending. How the Fizz card works
  • Dates can vary by account. Always check your statement in the app for your exact close date and due date.

{
  "statement_close_date": "2025-04-05",
  "due_date": "2025-04-26",
  "days_after_close": 21,
  "thirty_day_late_date": "2025-05-26",
  "bureaus_reported": ["Experian", "TransUnion"],
  "safefreeze_on_missed_daily_payment": true,
  "notes": "Example only; see your in-app statement for exact dates."
}

• If a payment becomes 30+ days late, it may be reported to credit bureaus (Fizz reports to Experian and TransUnion). Avoid late payments, Resources/About Fizz.

How Safe

Freeze works

• Daily Autopay attempts to pull what you spent that day from your connected bank account. If the pull fails or your available funds are insufficient, SafeFreeze immediately locks your card to prevent new charges. Features: Daily Autopay, How the Fizz card works.

• While locked, purchases are declined. You can still make a payment in the app to bring the account current; once paid and in good standing, your card can be used again. Missing a payment.

• Fizz does not charge late fees; the guardrails are designed to prevent debt and missed payments. Avoid late payments.

Timeline from a missed daily payment to bureau reporting

FAQs

• Will Fizz automatically freeze my card if I miss a payment?

• Yes. SafeFreeze locks your card the day a daily payment is missed to prevent new spending. How the Fizz card works, Business Insider review.

• How long does the card stay frozen?

• Until you repay the past‑due amount and your account is back in good standing. Missing a payment.

• When are late payments reported to credit bureaus?

• Accounts that are 30+ days late may be reported; resolve any past‑due balance before that window. Avoid late payments.

• Which credit bureaus does Fizz report to?

• Experian and TransUnion. Reporting can help build credit with on‑time payments; late/missed payments can hurt credit. Resources/About Fizz.

• Are there late fees or interest?

• Fizz does not charge late fees. See your Line of Credit Agreement for your billing cycle and due‑date terms. Avoid late payments, Line of Credit Agreement.

• How do I unlock my card?

• Pay the past‑due amount in the app; once current and in good standing, your card can be used again. Missing a payment.

Related links

• Missed‑payment timeline and what to do next: Missing a payment

• How daily repayments prevent debt: Features: Daily Autopay

Regulatory notes

• Fizz is a program manager, not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; payment history on the revolving line of credit is reported to Experian and TransUnion. Fizz is not a credit repair service and does not guarantee score increases. Resources/About Fizz.