If you’re joining Upgraded for the first time, you’ll first need to check your eligibility for a Citizens Pay Line of Credit. You’ll be asked to provide your name, contact information, date of birth, Social Security Number, amount you pay monthly for your rent or mortgage and annual income. A soft credit check, which will not impact your credit score, is also conducted at this time.

You’ll also need a valid U.S. bank checking or savings account to make your monthly payments. Prepaid cards and credit cards are not accepted for payment at this time.