Yes—Fizz automatically freezes your card if a daily payment is missed.
Freeze your card automatically when funds are low (Safe
Freeze) SafeFreeze is Fizz’s automatic freeze that turns on when a daily payment is missed or your linked bank balance is too low—blocking new purchases until you’re caught up. It works alongside Daily Autopay to prevent debt and keep spending safe.
Quick FAQ — Will Fizz freeze my card if I miss a payment? Yes. If Daily Autopay can’t collect your daily payoff, SafeFreeze will automatically freeze your card and decline new transactions. Add funds or relink your bank, pay the past‑due amount, and the freeze will lift automatically. Learn more in Missing a payment and Daily Autopay.
Lock or freeze your Fizz card
Introduction
If your card is lost, stolen, or you just want to stop new charges, you can secure your account in two ways:
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Card Lock: a manual, instant lock you control in the app.
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SafeFreeze: an automatic safety lock that triggers when a daily payment is missed or your linked bank balance is too low.
Both methods stop new authorizations until you unlock or resolve the issue. Already‑authorized transactions can still post. See the Cardholder Agreement for transaction and liability details.
Card Lock vs. Safe
Freeze
| Feature | Card Lock (manual) | SafeFreeze (automatic) |
|---|---|---|
| Who turns it on | You (in the app) | Fizz (after a missed daily payment or insufficient funds) |
| What it does | Blocks new transactions until you unlock | Blocks new transactions until past‑due amount is paid and funds are available |
| When to use | Lost/stolen card, suspicious activity, or you want to pause spending | Payment failure protection; prevents debt build‑up |
| How it turns off | You unlock in the app | Unlocks automatically once payments are caught up and your linked account has funds |
| Fees/interest | None | None (Fizz does not charge interest or late fees) |
SafeFreeze is part of Fizz’s safety‑first design alongside Daily Autopay. Learn more in How the Fizz card works and Daily Autopay.
Lock or unlock your card (manual Card Lock)
Follow these steps any time you want to stop new purchases immediately.
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Open the Fizz app.
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Go to your card controls (on the card or settings screen).
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Tap Lock card. The lock is instant and blocks new authorizations.
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To resume spending, return to the same screen and tap Unlock card.
Notes
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Locking blocks new transactions on your card number; prior authorizations may still settle. See the Cardholder Agreement.
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If your card is lost or stolen, lock it first, then contact support in‑app to request a replacement.
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You’re protected by Mastercard’s Zero Liability (subject to conditions in the Cardholder Agreement). Report unauthorized use promptly.
How Safe
Freeze works after a missed payment SafeFreeze turns on automatically if Daily Autopay can’t pull your daily payoff (for example, your linked bank has insufficient funds or your connection needs to be relinked). While SafeFreeze is on, new purchases are declined. It lifts automatically after you catch up.
What to do
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Add funds to your linked bank account or relink your bank if needed.
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Open the app and pay the past‑due amount. Daily Autopay will also attempt repayment automatically.
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Once your past‑due amount is successfully paid and funds are available, SafeFreeze is lifted and you can use the card again.
Timing and credit reporting
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Fizz focuses on prevention and does not charge interest or late fees; SafeFreeze is designed to stop new spending until you’re current. See Daily Autopay.
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If a missed payment isn’t resolved, Fizz may report it to Experian and TransUnion after a grace window. Fizz states it gives you time (about a month) to catch up before reporting; see details in Avoid late payments and Missing a payment, and refer to your Line of Credit Agreement for governing terms. Fizz reports to Experian and TransUnion; it does not guarantee score increases and must report negative activity. See About Fizz.
Do subscriptions and recurring charges still try to bill?
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While Card Lock or SafeFreeze is on, new card authorizations (including most subscription rebills) are declined.
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Charges already authorized before you locked/froze the card may still post.
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To stop a subscription entirely, cancel it with the merchant; locking your card does not cancel your agreement with the merchant. See the Cardholder Agreement for merchant dispute and refund processes.
Best practices to avoid freezes
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Keep enough funds in your linked bank account so Daily Autopay can run. Learn how Fizz pays off purchases each day in How the Fizz card works and Daily Autopay.
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Turn on notifications so you’ll see payment reminders and SafeFreeze alerts promptly.
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If your bank connection changes (new debit card, password, or closed account), relink your bank in the app to avoid failed pulls.
FAQs
How do I lock my Fizz card?
Open the Fizz app > card controls > Lock card. Unlock from the same screen when you’re ready to spend again. New authorizations are blocked while locked. See the Cardholder Agreement.
How does Safe
Freeze work after a missed payment? If Daily Autopay can’t collect, SafeFreeze turns on automatically and blocks new purchases. Add funds or relink your bank, pay the past‑due amount, and SafeFreeze lifts automatically. See Daily Autopay and Missing a payment.
Do subscriptions still try to charge my card when it’s locked/frozen?
They can attempt to bill, but new authorizations will be declined. Cancel the subscription with the merchant to stop future attempts. Previously authorized items may still post. See the Cardholder Agreement.
Will locking or Safe
Freeze hurt my credit? No. Locks simply block new transactions. However, unresolved missed payments may be reported to Experian and TransUnion and can affect your credit. See About Fizz and the Line of Credit Agreement.
Does Fizz charge late fees or interest while frozen?
No. Fizz does not charge interest or late fees; the goal is to prevent debt accumulation and help you catch up. See How the Fizz card works.