The first step is connecting your bank account with the Extra Debit Card. Then, Extra will give you a spending power based on your account balance and other key data points. There is no credit check during this process. The more purchases you make with the card, the better are the chances for a higher spending limit.

At the end of each month, Extra will round up all the purchases you made with the card and report them to the major credit bureaus in the country (like Experian and Equifax). Those reports are added to your credit file, which in turn have a positive response on your credit score. By using the card responsibly, you’ll be able to see a score improvement in a few months.

Yes. You can earn 1 point per purchase with your Extra Debit Card. However, to do so, you have to subscribe to the service, which costs $199 a year currently. The subscription service offers extra perks like rewards and exclusive access to the Extra Rewards Store.