cred.ai Pro 1.0.3

cred.ai Pro offers a tailored financial experience exclusively for employees and members of select large organizations. This service replaces traditional debit cards with advanced financial tools and features.

The platform facilitates direct deposit, allowing users to access their paychecks early. With the cred.ai Pro card, users benefit from a range of innovative features, including 'Check Please', 'Repeat Defender', and 'Friend and Foe'. Additionally, the use of self-destructing digital cards enhances security when making purchases online or over the phone.

While using the cred.ai Pro system, users experience spending akin to a debit card, coupled with automatic credit optimization that can enhance their credit profile. The app also allows for the connection of other bank accounts and fintech services, check deposits, and enables access to over 55,000 free ATMs, all backed by 24/7 support and a commitment to avoiding fees and interest charges.

Access to the cred.ai Pro app is restricted to individuals affiliated with specific organizations. Interested users should consult their supervisor or HR department for more information on membership eligibility. For those not connected to a qualifying organization, the standard cred.ai app can be downloaded from cred.ai/app.

The cred.ai Deposit Account is offered through Wilmington Savings Fund Society, FSB (“WSFS Bank”), a member of FDIC. The Unicorn Card credit card is issued by WSFS Bank under a license from Visa® U.S.A. Inc., making it usable wherever Visa® credit cards are accepted.

• Note: Increases in credit scores are not guaranteed, as various factors influence individual financial situations.
• Accessing early funds: Availability depends on the timing of deposits submitted by employers.
• ATM withdrawals: While accessing free ATMs is straightforward through the app, these withdrawals are treated as cash advances subject to interest rates detailed in the Unicorn Card Credit Card Agreement, though interest may be waived with a valid cred.ai guaranty.

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