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

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

The Arro Card is designed for the modern user, placing all account management tools directly into a clean, mobile-first experience. There is no traditional "online portal" you need to access via a desktop browser.

Here is a quick tour of what to expect when managing your account within the Arro mobile app.

The Dashboard View

When you open the app, you'll immediately see the most important information:

  • Current Balance: Your total amount owed.

  • Available Credit: How much you have left to spend this cycle.

  • Credit Limit Status: A visual indicator of your credit utilization (how much of your available limit you are using).

  • Due Date and Minimum Payment: Clearly visible reminders of when your next payment is due.

  • Key Sections of the App

    The app is organized into several clear sections or tabs:

    1. Challenges/Education Section

    This is where the unique credit-building features live.

  • Access Challenges: Here you will find the educational modules and behavioral tasks (like linking a backup account or completing a quiz on FICO scores).

  • Track Progress: You can see which challenges you’ve completed and how close you are to your next credit limit increase reward.

  • 2. Payments Section

    As detailed in our other guide, How to Make Arro Card Online Payments: A Step-by-Step Guide, this tab is where you go to set up payment methods, make one-time payments, or manage AutoPay settings.

    3. Support/Help Section

    If you run into issues, the app is your primary contact method:

  • FAQs: A searchable database of common questions.

  • In-App Support/Chat: You can typically initiate a customer service conversation directly through a secure chat function within the app, rather than waiting on hold on a phone line.

  • 4. Settings & Profile

    This is where you manage your personal information, update your linked bank accounts, and review terms and conditions.

    What to Expect Day-to-Day

  • Real-Time Updates: Transactions usually appear within the app quickly after you make a purchase.

  • Notifications: You can set up push notifications for payment reminders, when a payment goes through, or when a new statement is available.

  • The entire experience is built around transparency and encouraging active, responsible engagement with your credit, putting the tools you need to build credit right at your fingertips.

    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

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

  • 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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