Applying
Spending
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Neu helps you gradually build your credit score and limit over time.
Give us a call at 1-844-Neu-DIAL (1-844-638-3425) and talk to a real human about how we can increase your credit limit. We're available between Mon-Fri, 10am-7pm EST.
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Here's how cash back rewards work with Neu:
When you use your Neu Card to make purchases, you'll automatically earn minimum 1.25% in cash back rewards for all transactions.
Cash back rewards are then auto redeemed at the end of each month's billing statement and will be applied to your account balance.
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Your credit limit is the maximum amount of money that a credit card company will lend you. It’s determined by things like your credit score, annual income, existing debts (like student loans) and more.
TLDR - a credit limit caps how much you can charge to your Neu Card so that you don’t borrow more than you can pay back!
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🙅🙅🙅 Nope! We're focused on helping you grow your credit score and making progress towards any financial goals you may have. Neither of these can happen if you’re bogged down with crazy interest rates you can’t get ahead of.
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Yes, because your monthly payments and subscription fees will be paid through that external bank account.
Account management
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Once you've been approved for a Neu Card, you'll be able to view your monthly minimum payment, and due date, by logging in to the Neu app. Keep in mind that you can always pay more than the minimum payment amount to increase the amount of your available credit.
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Notice an error on your monthly statement? Don’t recognize some charges in your transaction history? See a couple of 🚩🚩🚩? Let’s investigate!
Tap the "contact us" tab in the Neu app or call us at 1-844-NEU-DIAL (1-844-638-3425), between Mon-Fri 10am-7pm EST! We’ll ask you for some details and we’ll get to the bottom of this.
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Autopay is like autopilot for payments.
When you set up Autopay, you choose a fixed amount (anywhere from your monthly minimum to the full monthly statement) and a recurring date. Every month, your payment is automatically withdrawn from your external bank account without you having to do anything. That's it!
Once you're approved, you can turn on or view your autopay details in the app by tapping on the card button at the bottom of the screen and then tapping on payments. Next, tap on autopay.
If you've already set up autopay, your payment details will be displayed. If you haven't set up autopay yet, you can turn it on here.
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Your credit score is displayed in the Neu app so you can track your growth as you go. To view your credit score details, from the home screen tap on credit score at the top to display your credit score along with other important factors that impact your score.
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Great question! There are lots of ways to increase your credit score. Here’s a few tips to help your score grow over time:
- Pay your monthly payment on time: Late payments can have a negative impact on your credit score. Consider using autopay to make this part even easier!
- Try to use less than 30% of your total credit limit: Keeping your credit utilization below 30% shows that you're using your credit card responsibly which in turn helps increase your score.
- Pay your Neu Card balance in full each month: Paying your balance in full each month not only helps you keep your credit utilization low but it also shows a history of responsible payments.
- Avoid applying for too much credit at once: Multiple credit applications within a short period of time can negatively impact your credit score. Only apply for credit when absolutely necessary!
- Remember, improving your credit score takes time and consistent responsible financial behavior. Neu can help you get there!
If you have any questions, tap the "contact us" link in the Neu app or call us at 1-844-638-3425 (1-844-NEU-DIAL), Mon-Fri 10am-7pm EST.
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Yes! The Neu Card can definitely be added to your phone so you can tap to pay for stuff. Once approved, you can add your Neu Card to your phone by tapping on the menu button at the bottom of the app and then tapping on "Add to wallet". Follow the instructions on your phone to finish adding your card to your Apple / Google / Samsung pay wallet.
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We've got you! If you ever need to report your Neu Card as lost or stolen, from the home screen in the app tap on the menu button and then tap on "Replace card". Select the reason your replacing your card and tap on confirm. That's it! Your new card will be on it's way to you.
If you have any questions about what happens next, give us a call and talk to a real human at 1-844-NEU-DIAL (1-844-638-3425) between Mon-Fri 10am-7pm EST.
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Have a question? Just want to say hi? Spiraling cause you spent too long thinking about the concept of credit? Hit us up!
Get in touch:
Tap the "contact us" tab in the Neu app
✉️ Email us at support@neumoney.app
☎️ Call us at 1-844-Neu-DIAL (1-844-638-3425). You’ll get a real human if you call during Mon-Fri, 10am-7pm EST.
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