Introduction

Lock your card in‑app; SafeFreeze automatically locks if a daily payment is missed.

Fizz gives you two ways to stop card use fast: a manual Card Lock you control in the app, and SafeFreeze, an automatic protection that turns your card off when a Daily Autopay collection can’t complete (e.g., insufficient funds or a missed daily payment). These guardrails are part of Fizz’s safety‑first design (no interest or late fees) and work alongside your linked bank account and daily spend limits. See the Cardholder Agreement for governing terms.

When to use each control

Use Card Lock any time you want to proactively stop new purchases (e.g., you misplaced your card or you’re not using it for a while). You can unlock instantly from the app when you’re ready to spend again. The Fizz site highlights the ability to block your card and smart security as part of the app experience. Source: Fizz homepage
Rely on SafeFreeze as an automatic safety net if Daily Autopay can’t pull a required payment (missed/failed daily payment or low funds). This is described in Fizz materials and third‑party reviews as locking until your account is back in good standing. Sources: Fizz "Why Fizz makes budgeting easier", Business Insider review

Step‑by‑step: Lock or unlock your card (manual Card Lock)

1) Open the Fizz app and navigate to your card controls.

Screenshot (caption): Card screen with a visible “Lock card” toggle. 2) Tap the Lock control to turn the card off. You’ll see status change to “Locked.”
Screenshot (caption): Confirmation state showing card is locked. 3) To resume spending, return to the same control and toggle Lock off. Your card status returns to “Active.”
Screenshot (caption): Card screen showing “Active” after unlock.

Notes

Manual locking is immediate and user‑controlled. It’s separate from SafeFreeze.
Card usage, rewards, and reporting follow your agreements; see the Cardholder Agreement for details.

Step‑by‑step: Resolve a Safe

Freeze (automatic lock) 1) Check why the freeze occurred.

Common causes: a missed Daily Autopay pull, insufficient funds in your linked bank account, or a disconnected bank link. Source: Fizz “How the Fizz Card works” + Daily Autopay
Screenshot (caption): Banner noting a missed daily payment. 2) Fix funding and get current.
Ensure your linked bank account has sufficient funds and is connected; Daily Autopay will attempt collection again. Source: Daily Autopay
Screenshot (caption): Linked bank account status set to “Connected.” 3) Wait for Daily Autopay to succeed; SafeFreeze lifts automatically when your account is back in good standing.
Screenshot (caption): Status changes from “Frozen” to “Active.” 4) If you still see a freeze after curing the missed payment, contact support from the app (in‑app chat/email/voicemail options are available per Fizz disclosures). Source: Fizz resources/policies

Important credit‑reporting note

Fizz states it provides a grace window before reporting a late payment; if you get current within about a month, Fizz won’t report a delinquency for that incident. If you do not get current, late/missed payments are reported to Experian and TransUnion and may negatively impact your credit. Sources: “Avoid late payments”, About/Resources disclosures

Card Lock vs. Safe

Freeze | Control | Who triggers it | Typical trigger | How it lifts | Credit reporting impact | References | |---|---|---|---|---|---| | Card Lock | You (in‑app) | You choose to turn the card off (e.g., lost/misplaced card, downtime) | You unlock in‑app instantly | None from locking itself (normal reporting still applies) | Fizz homepage · Cardholder Agreement | | SafeFreeze | Fizz (automatic) | Missed Daily Autopay, insufficient funds, or bank link issue | Autopay succeeds and account returns to good standing | If resolved within the grace window, no delinquency is reported; otherwise late/missed payments are reported to Experian and TransUnion | Daily Autopay · Avoid late payments |

Best practices

Keep Daily Autopay on and funded. It’s central to Fizz’s design (no interest, no late fees, daily paydowns) and reduces the chance of a freeze. Sources: Daily Autopay, APR explainer
If your card is frozen, prioritize bringing your account current before attempting additional transactions.
Maintain your bank connection (Fizz uses secure providers like Plaid for verification; see agreements for details). Source: Cardholder Agreement

Related policies and docs

Program terms: Cardholder Agreement
Autopay mechanics: Daily Autopay
Late/Grace details: Avoid late payments
How the product works: How the Fizz Card works

FAQs

Does SafeFreeze charge fees? No. Fizz markets no interest and no late fees; membership pricing applies. Sources: APR explainer, About
Which bureaus get activity? Fizz disclosures state Experian and TransUnion. Source: About
How fast does a manual lock/unlock apply? It’s an in‑app control you can toggle as needed; use it any time you want to stop or resume card use. Source: Fizz homepage