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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's not working

Let me fix this

Payment declined

Why it happened

  • •Insufficient funds in your account
  • •Card is frozen (you did this, or fraud detected)
  • •Merchant rejected the payment
  • •Bank flagged it as unusual
1

Check your balance

Open app → Account → Balance. Do you have enough money?

2

Check if card is frozen

Open app → Card settings. Is it frozen? If yes, unfreeze it.

3

Try again

Sometimes it's a temporary glitch. Wait 10 seconds and retry.

4

Contact the merchant

Tell them to try your payment again. Give them your current card info.

Still stuck?

Email support@unlockworth.com with "Payment declined" in subject line.

Full payment troubleshooting

Credit score went down

This happens. Here's why and what to do about it.

Common reasons

  1. 1.

    Late payment

    Even one late payment impacts score

  2. 2.

    High utilization

    You're using a lot of available credit

  3. 3.

    New credit inquiry

    Applying for credit causes temporary dips

  4. 4.

    Account age

    New accounts temporarily lower average age

1

Check what happened

Get your credit report: AnnualCreditReport.com. Look for recent changes.

2

Fix the obvious

  • • Make all payments on time going forward
  • • Pay down balances if you can
  • • Don't apply for new credit (multiple inquiries hurt)
3

Wait it out

Most dips recover in 3-6 months of good behavior

4

Contact us if something's wrong

If you see an error on your report, we can help dispute it

Credit score troubleshooting

Wireless service not working

No signal. Slow data. Apps won't load.

1

Airplane mode reset

  1. • Turn Airplane mode ON for 30 seconds
  2. • Turn Airplane mode OFF
  3. • Try again
2

Restart your phone

Power off completely, then power on.

3

Check your account

Open Worth app → Wireless → Check status. Is service active? Did your bill payment go through?

4

Check your phone

Is your phone compatible with Worth's network? Most are, but older phones might not be.

5

Check your location

Move to a different location. Some areas have weak coverage. Worth uses nationwide 5G network—check coverage online.

Still no signal?

Contact support: support@unlockworth.com

Subject: "Wireless not working"

Include: Your phone model, location, what you've tried

Full wireless troubleshooting

Can't access your account

You can't log in. Your account is locked. Something's wrong.

1

Password reset

  1. • Click "Forgot password" on login screen
  2. • Check your email for reset link
  3. • Create new password
  4. • Try logging in
2

Check your email

Did you get the reset email? Check spam/junk folder. Still not there? Try again (sometimes there's a delay).

3

Check your phone number

Is the phone number registered with your account current? If you changed phones, you might need to verify.

4

Contact support

Security reasons might have frozen it. Email support to check.

Full login troubleshooting

Didn't find your issue?

Our support team is here to help. Email us anytime.

Contact supportBack to Support Hub