Please note that all credit reporting features will launch in October 2022.

You might notice that your credit card may not be reported as a line of credit, but rather as a loan. This is done for the purpose of diversifying credit types to help boost your score.

While it may be classified as a loan, it's important to note that there is never any default risk – you are only able to spend your own money from your Yotta balance. However, whenever your balance is deducted to pay off your card, Yotta will report on time payments to all major credit bureaus to help boost your score.

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