3:25 PM: All issues resolved; Incorrect restrictions cleared
Our team has successfully resolved the card charge issue from this morning. We've removed the incorrect restrictions from affected user accounts and reattempted all pending charges.
What this means for you:
If you see a successful charge from today on your account – You're all set! Your account is unrestricted, your payment will be sent according to the original schedule and on time, and no further action is needed.
If your charge still says "FAILED" – This likely indicates a genuine payment issue. You can now use the "Resolve now" button as usual to resolve the issue (see instructions here).
If your account is still restricted — This may be due to a genuine review requirement. In this case, please reach out to support using our chat bot by clicking the pink question mark on the bottom-right below of your page, and we'll be happy to work with you to resolve it as quickly as possible.
If you had an active Credit Builder subscription – It may have been errantly paused due to this issue. This is purely a backend issue and has not been reported to Equifax. We are working on getting those automatically reactivated over the next couple of days—no action is required from your end and this will not impact your subscription or credit score in any way.
10:36 AM: Bulk charge attempt complete for majority of users; "Resolve Now" button available for truly failed payments
We are still actively working on lifting restrictions on accounts that were temporarily restricted due to the issue and will provide updates as soon as we have them. Thank you for your patience!
All other users who experienced false failed payments have now been successfully charged.
Users who experienced a true failed charge (Amex or Visa) can now use the Resolve Now button to resolve the payment issue (see here for more assistance).
8:38 AM: Active Issue Alert: Some users experiencing false failed charges and, in some cases, restricted accounts
We’re aware that some card charges didn’t process as expected this morning, October 28th, 2025. Our team is actively investigating the issue to identify the root cause and resolve it as quickly as possible.
This issue is limited to non-Amex cards only.
What you need to know
No action is required on your end. Our team is already working to fix the issue for everyone affected.
Please avoid contacting Support for now. We want to keep lines clear while we complete the fix and ensure your payment is processed correctly. We will keep you informed by email, Reddit, and on this article as we have any updates or developments throughout the day.
Your payments will still be sent on time. Once the issue is resolved, your card will be charged correctly today, and your payment will be sent according to the original schedule.
Any temporary account restrictions will be cleared. If your account was restricted due to the charge failure, it will automatically return to normal once the issue is resolved.
When to expect an update
We’ll share a full update by the end of the day via email, Reddit and here in this article once everything is back to normal. So feel free to check back here for updates!
Note for Amex users
If you experienced a charge failure with your Amex card, this is unrelated to the Visa issue above. Our resolve feature may be temporarily unavailable while we complete backend work to address this issue. Please hold off on attempting to resolve your charge for now — we will update this article as soon as the normal channels are available for you to resolve your charge.
Thank you for your patience and understanding while we work quickly to ensure everything runs smoothly.