FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard®

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

How to Make Arro Card Online Payments: A Step-by-Step Guide

Managing your payments on time is the single most important factor in building your credit score. The Arro Card makes this process simple through its mobile app.

Here is a step-by-step guide on managing and making online payments for your Arro Card.

1. Accessing Your Account and Statements

The Arro Card is managed entirely via the mobile app (there is no traditional desktop "online portal").

  • Log In: Open the Arro app and log in using your credentials.

  • Check Your Balance & Due Date: The main dashboard will display your current balance, minimum payment due, and payment due date. Arro offers a standard grace period, meaning you typically have about 25 days from the end of your billing cycle to pay your balance in full without incurring interest charges.

  • View Statements: You can view past monthly statements within the app for a detailed breakdown of your transactions.

  • 2. Setting Up a Payment Method

    Before you can pay, you need to ensure your bank account is linked. This is often completed during the application process, but you can manage it anytime:

  • Link Account: Navigate to the payments or settings section and link your checking account securely using a service like Plaid.

  • Backup Method: As noted in our other guides, you can link a backup account within the app as a "challenge" to increase your credit limit and ensure payment reliability.

  • 3. Making an Online Payment

    Arro makes paying your bill simple and fast:

  • Navigate to Payments: Tap the "Make a Payment" button on the main dashboard.

  • Choose Amount: Select the amount you wish to pay:

    • Minimum Payment Due: This satisfies your monthly requirement but accrues interest on the remaining balance.

    • Statement Balance: This pays the previous month's balance in full and avoids all interest charges.

    • Current Balance: This pays off everything you owe, bringing your utilization down to zero.

    • Other Amount: You can input a custom amount.
  • Confirm and Submit: Select your linked bank account, review the details, and tap "Submit Payment."

  • 4. Setting Up AutoPay

    The best way to guarantee on-time payments is using AutoPay:

  • Enable AutoPay: In the payment settings, toggle on the AutoPay feature.

  • Select Option: Choose to pay the Minimum Due or the Statement Balance automatically each month on the due date.

  • Benefits: On-time payments are crucial for building credit history, and AutoPay ensures you never miss a due date.

  • Related Arro Card Articles

  • Arro Card: Build Unsecured Credit with No Hard Credit Check

  • Examples of Arro Card In-App Challenges

  • The Arro Card Application Process: A Different Approach to Approval

  • Managing Your Arro Card Account: A Tour of the Mobile App and Online Portal

  • Arro Card

    • No hard inquiry to apply.
    • Apply in 5 minutes or less.
    • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
    • Earn 1% cash back on gas & groceries, including Walmart and Target
    • Instantly increase your credit limit as you master your personal finances in the Arro app.
    • Reports to all 3 credit bureaus.
    • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
    • CLICK HERE TO APPLY ONLINE

    *Subject to terms and conditions







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    Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score

    FICO® Credit Scores

    A FICO® Score is a specific, proprietary type of credit score created by the Fair Isaac Corporation (FICO). It is the most widely used credit scoring model, with approximately 90% of top U.S. lenders using a FICO® Score to make lending decisions.

    FICO® Score Ranges:

    • Exceptional: 800–850
    • Very Good: 740–799
    • Good: 670–739
    • Fair: 580–669
    • Poor: 300–579
    While many people (and credit education websites) use "Excellent" and "Bad" as general, descriptive terms, FICO® officially categorizes its score ranges as Poor, Fair, Good, Very Good, and Exceptional.

    What is a Credit Score?

    A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.

    Why is a Credit Score Important?
    A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.

    FICO® Credit Score Facts

    Key Characteristics of FICO® Scores

    • Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.

    • Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.

    • Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.

    • Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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