SmartPay is a Truecard payment option that automatically pays down your balance regularly and on-time, helping you avoid accruing interest. Instead of making one big payment at the end of the month, SmartPay makes small payments steadily throughout the month to keep your credit utilization low, which could help improve your credit over time.

How it works

  1. Easily set up your SmartPay rules, like Maximum Daily Payment and a Safe To Pay Threshold.

  2. As you use Truecard, SmartPay makes payments when you have available cash that’s safe to spend based on your rules.

  3. Before making any payments, we’ll give you a heads up, so you stay in control. You can skip or pause payments anytime.

What are the different SmartPay settings?

  1. Safe To Pay Threshold: To avoid potential overdrafts, SmartPay will not make a payment if your billing account balance is at or below the Safe To Pay Threshold amount.

  2. Maximum Daily Payment: SmartPay will not make a payment over this amount on a given day.

  3. Fallback Payment: In the case that you’re unable to pay the entire statement balance for your Truecard during the statement period—either because your SmartPayments weren’t high enough to cover the balance or because you needed to skip payments—you’ll can select a Fallback Payment Plan to avoid late fees and/or interest. There are three options:

    1. Pay the full statement balance

    2. Pay the minimum payment

    3. Do nothing

If you select "Do Nothing", we suggest that you adjust your other SmartPay settings to ensure that your statement balance will be 100% paid down by the end of the statement period.


Truecard is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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