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Your character is your capital

Built with love.Served with purpose.

From Lagos & Brooklyn.

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Request an AI summary of Worth

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.

© 2026 Worth. All rights reserved.

Back to Support

Something changed. How do I handle it?

Life happens. We're here to help.

Missed a payment

Life happens. You missed something. Here's what to do.

Immediate action (today)

  1. 1.Pay it immediately if possible
  2. 2.Contact support to report it
  3. 3.Explain what happened briefly
Contact support

What happens next

  • •Worth will try to help you recover
  • •One missed payment doesn't undo your progress
  • •Credit bureaus get notified (this is normal)
  • •Your score may drop temporarily

Recovery plan

  1. 1.

    Catch up immediately

    First payment has priority

  2. 2.

    Resume on-time payments

    Consistency matters more than perfection

  3. 3.

    Monitor your credit

    It will recover

  4. 4.

    Adjust your budget if needed

Full recovery guide

Timeline for recovery

1 month after catch-up

You're back on track

3-6 months

Credit impact softens

12 months

Most of the damage heals

2+ years

Becomes less relevant to future lenders

Changed jobs or income

Your income changed. What happens to your Worth account?

If your income went up

Great. More money in the bank. Your profile strengthens. Everything continues as normal.

If your income went down

Worth adjusts. Your account stays open. Let us know so we can help you manage payments.

Steps to take

  1. 1. Contact support and explain your situation
  2. 2. We'll review your account and your obligations
  3. 3. We'll work with you on a plan (payment adjustments if needed)
  4. 4. Your credit stays safe if you communicate

Lost job? Reach out immediately. We can pause some obligations while you recover.

New job but lower pay? We adjust expectations. Keep paying what you can.

Seasonal income? Set up payments that match your income cycle.

Account settings & security

Keep your account secure and current.

Change your password

Settings → Security → Password

Update your phone number

Settings → Account information → Phone number

Enable two-factor authentication

Settings → Security → Two-factor auth (we recommend this)

Freeze your card

Card settings → Freeze card (if lost or stolen)

Full security guide

Technical troubleshooting

Can't log in

  1. 1.Try password reset (email link)
  2. 2.Check your phone number is current
  3. 3.Contact support if still stuck
Full troubleshooting

Payment failed but I don't know why

Common reasons:

  • •Insufficient funds
  • •Incorrect payment info
  • •Network issue
  • •Bank rejection
Full troubleshooting

App crashing

  1. 1.Restart your phone
  2. 2.Uninstall and reinstall app
  3. 3.Update your phone OS
  4. 4.Contact support if persistent
Full troubleshooting

Pause your account

Go to: Settings → Account status → Pause account

Your account freezes. No payments. No changes. You can restart anytime.

Close your account

Go to: Settings → Account status → Close account

You can close anytime, no penalty. Your credit history stays with you.

Close account guide

When you need to talk to someone

Our support team is real humans who understand life happens.

Email: support@unlockworth.com

Average response: 4 hours

Languages: English and Spanish

Hours: Available 24/7

Contact support