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From Lagos & Brooklyn.

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Banking Services & FDIC Insurance: Worth® is a financial technology company, not a bank. Banking services and FDIC-insured deposit accounts are provided by Cross River Bank, N.A., Member FDIC. Deposits held in Worth accounts at Cross River Bank are FDIC-insured up to the standard insurance limit of $250,000 per depositor. For additional information about FDIC deposit insurance coverage, visit www.fdic.gov or contact the FDIC at 1-877-275-3342.

Card Fees & Terms: The Worth Card has no annual fees, but some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see your Cardholder Agreement and Deposit Account Agreement. Line of credit is not a deposit product. Cards may be used everywhere Mastercard is accepted.

Credit Reporting & Score Impact: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Worth will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. Worth does not determine your credit score.

Financial Product Outcomes: Device financing and other financial products are offered based on your account history and payment behavior with Worth. Qualification and terms depend on your demonstrated financial responsibility with us. Financial product availability and terms are subject to change. Worth may modify qualification criteria, terms, or availability of products based on account performance and regulatory requirements.

Fair Lending & Non-Discrimination: Worth assesses financial reliability based on your actual banking behavior, payment patterns, and account management. Worth does not use the following factors in financial assessment or product qualification: race, color, religion, national origin, sex, marital status, age, protected veteran status, disability status, or receipt of public assistance. Worth regularly tests its assessment methods to ensure fair treatment across all customer groups. You have the right to request information about Worth's financial assessment practices and to dispute determinations you believe are inaccurate.

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Back to Support

I'm using Worth. How do I maximize what I have?

You're 30-90 days in. Here's how to accelerate.

You've opened your account and made some payments. The system is recognizing your reliability. Here's how to accelerate.

Earning free wireless

Worth wireless normally costs $35/month. But you can earn it free through simple actions.

Set up direct deposit+1 month free
Fund your account+1 month free
Invite family+1 month per referral (up to 3)

The more reliable you show yourself to be, the more Worth recognizes you. When you complete these actions, your wireless becomes free. Simple as that.

When do I activate wireless? Anytime. You earn the free months, then activate when ready. No rush. Banking is always free.

Growing your credit profile

You're 30-90 days in. Credit reporting is starting. Here's what to maximize.

Rent payments

Your biggest monthly obligation, finally building credit

Utility payments

Electric, gas, water—all count

Bill payments

Phone, insurance, subscriptions

Banking activity

Regular deposits and spending patterns

Account age

The longer you stay consistent, the stronger your profile

How to accelerate

  1. 1.

    Set up rent reporting if you pay rent

    Rent reporting setup →
  2. 2.

    Keep banking activity consistent

    Regular deposits and payments show stability

  3. 3.

    Avoid late payments

    On-time is everything. If you miss something, recover quickly

  4. 4.

    Keep balances reasonable

    Don't max out your accounts. Show you're using credit responsibly

When will I see results?

30 days

System recognizes you

90 days

Credit bureaus start reporting (official credit score building)

6 months

Meaningful credit improvement (usually +50-100 points)

12 months

Significant progress toward strong credit

Credit card options

Worth issues a secured credit card to members who demonstrate 90+ days of reliability.

Deposit required

$500-$2,000 as collateral

Credit limit

Your limit equals your deposit

Interest rate

Typically 8-20% depending on your profile

After 12 months

Upgrade to unsecured or get deposit back

Every on-time payment builds your score and moves you closer to unsecured credit.

Common questions at this stage

When will my credit score start improving?

You might see movement in 90 days, but real improvement takes 6-12 months. Be patient. Consistency wins.

What if I missed a payment?

Call support immediately. We can help you recover. One missed payment doesn't undo your progress.

Should I have multiple credit products?

Not yet. Master one thing at a time. Get banking solid, then add the credit card. Then add wireless. Build gradually.

How do I see my progress?

Open the app. You'll see your credit information updated regularly. Don't obsess over daily changes—watch the trend over months.

Next level thinking

You're in the momentum phase. The question now is: what's your next financial goal?

→ Bigger purchase? Worth is preparing you

→ Help family with credit? You can become a reference for them

→ Build emergency savings? Worth supports that too

→ Explore additional credit? You're getting eligible

Next financial opportunities

Keep building

You're on the right track. Stay consistent and watch your opportunities grow.

Contact support if you have questions