Checking your eligibility for a Citizens Pay Line of Credit will not impact your credit score. For this, Citizens Pay will conduct what’s called a soft credit check.

Upon submitting a full application for a Citizens Pay Line of Credit, Citizens Pay will complete a full credit review that will result in a hard inquiry on your credit file that may impact your credit score.

As long as you have credit available on your Citizens Pay Line of Credit for Upgraded, you may use it to make future purchases for eligible products at Upgraded with no additional credit checks. All credit checks are performed by our official partner, Citizens Pay. You may see an inquiry from Citizens on your credit report.