MAJORITY Visa® Credit Card
Everything you need to know to apply for, use, and get the most out of your MAJORITY credit card.
69 articles
Application and eligibility
Find out if you are eligible and how to apply for your MAJORITY credit card.
How do I apply for my MAJORITY Visa® Credit Card?
Can I apply if I have a low credit score?
Can I apply if I live outside the U.S.?
Do I need a Social Security Number (SSN) to apply for the credit card?
Card activation and delivery
Step-by-step guidance to activate your card, set a PIN, and link it with payment apps.
How do I order my MAJORITY Visa® Credit Card?
Can I start using my card right away, even before a physical card arrives?
How do I activate my card once it arrives?
Credit card usage
Learn what the secured credit card is, how it works, and where it can be used.
Where can I use my card?
Can I use my card for online purchases?
Can I use my card outside the U.S.?
Can I withdraw cash with my card?
What is my credit limit and how do I find it?
What happens if I try to spend more than my credit limit?
How do I check my balance and available credit?
Payments and due dates
Everything you need to know about due dates, payment methods, and avoiding fees.
How can I view my payment due date?
How can I pay my credit card?
What happens if I only pay the minimum on my credit card?
What happens if I miss a credit card payment?
What is a billing cycle and when is my payment due?
When paying my credit card, what is the difference between card balance, statement balance, and minimum payment due?
Credit building and reporting
Learn how your credit score works, how MAJORITY reports it, and how to improve it using your credit card.
What is a credit score and why does it matter in the U.S.?
Why do I need credit history if I pay for everything with cash or debit?
I have a good credit history in my home country. Can I use that in the U.S.?
What can I do with a good credit score?
To which credit bureaus does MAJORITY report my credit activity?
Credit card management
Learn how to manage your credit card, resolve issues, and keep your account secure.
How can I block my credit card?
I did not block my card, why is my card locked?
What do I do if my card is lost or stolen?
How can I dispute an unauthorized or incorrect charge on my MAJORITY Visa® credit card?
How can I keep my credit card safe?
What happens if my account is closed for non-payment?
How do I voluntarily close my account?
Can I reopen my account after it's been closed?
What benefits does MAJORITY offer if I am on active military duty?
About MAJORITY Visa® credit card
All you need to know about the MAJORITY Visa®
What is the MAJORITY Visa® Credit Card?
What are the fees and interest rates?
How is interest calculated?
How can I avoid paying interest?
About secured credit card
All you need to know about secured credit cards
What is a secured credit card?
How is a secured credit card different from a regular (unsecured) credit card?
Why is a secured card good for someone new to U.S. credit?
How is a secured credit card different from a debit card/prepaid card?
About security deposit
Learn how security deposit works
What is a security deposit and why is it required?
How do security deposits work?
How much do I need to deposit to open my account?
Can I increase or reduce my deposit later?
Is my security deposit the same as my credit limit?
Can I use my security deposit to make purchases or payments?
Is my deposit safe? Where is it held?
When do I get my security deposit back?
What happens to my deposit if I miss a payment?
Credit Boost
Learn how Credit Boost works
What is Credit Boost?
How does Credit Boost work?
What's the difference between secured and unsecured credit?
What counts as a "payment" for Credit Boost?
Do I need to do anything to get Credit Boost?
When is Credit Boost added to my account?
Do I need to make the minimum payment to earn Credit Boost?
What happens if I miss a payment?
What if I only make the minimum payment?
Can I earn Credit Boost if I pay my balance in full?
Can I spend my Credit Boost immediately?
Is Credit Boost permanent?
Does Credit Boost show up separately on my account?