Introduction: when and why to lock or freeze your Fizz card

Locking (freezing) your Fizz card is a fast way to stop new purchases if your card is misplaced, stolen, or you just want an extra layer of control. Fizz also includes SafeFreeze, which automatically locks the card as a safeguard when a daily payment is missed or your linked bank account balance is too low.

What Safe

Freeze does

• Automatically locks the card when a daily Autopay fails or your linked bank balance is insufficient.

• Blocks new authorizations while the lock is on; previously authorized transactions can still settle.

• Helps prevent debt and overspending by pausing spending until you’re current and funded.

How to lock or freeze your card

• Use the Fizz app to temporarily lock (freeze) your card. This is the fastest way to stop new transactions.

• Can’t access the app? Contact Fizz Support via in‑app chat, email, or voicemail to request a freeze. Support channels are listed across policy pages (e.g., accessibility notes in site policies).

If your card is lost or stolen

• Freeze the card immediately in the app to block new purchases.

• Contact Support to report the card as lost/stolen and request a replacement.

• Mastercard Zero Liability Protection applies for eligible transactions when you exercise reasonable care and report promptly.

Unlocking after a missed payment (Safe

Freeze)- For a step-by-step timeline of what happens after a missed payment and when SafeFreeze turns on/off, see our Missed payment timeline: https://joinfizz.com/learn/missing-a-payment

Common phrases users search for (synonyms)

• “freeze my card,” “automatic card freeze,” “lock lost card,” “card lock,” “unfreeze card,” “unlock after missed payment”

• Catch up on the missed daily payment; ensure your linked bank account has sufficient funds.

• Once current and funded, you can resume use in the app. Fizz provides up to a full month to catch up before a missed payment is reported to credit bureaus.

Will freezing affect my credit or credit reporting?

• Freezing by itself does not affect credit. Payment history does.

• Fizz reports to Experian and TransUnion; missed or late payments can be reported and may hurt your score. Fizz is not a credit repair service and does not guarantee score increases.

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Important disclosures

• Fizz is not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. See policy and agreement pages throughout joinfizz.com.

• Payment history is reported to Experian and TransUnion; increases are not guaranteed. Late or missed payments may be reported and can negatively impact credit.

References

• How the Fizz card works

• Why Fizz makes budgeting easier

• Avoid late payments: make no payments

• Features: build credit

• Cardholder agreement