You fill out a quick form that includes your verification info and your Smartphone's IMEI number.
This is the unique serial number that every digital device has, and will allow us to authenticate your device, verify your information, and prevent anyone from trying to register your device without your permission.
We'll show you where to find it on your device.
You download our Vybe Credit software to your smartphone, and you're approved for a minimum $200 credit limit secured Vybe Visa/MasterCard, with no upfront cash deposit or credit check. Your smartphone secures your credit card, and best of all, you get to keep your smartphone! It's that easy.
You are also able to bundle your other digital devices which will increase your available credit limit. For example: a smartphone, tablet, and laptop bundled, could give you a $500-1000 credit limit depending on the values of the devices.
Vybe is where your new credit story begins. To avoid interest charges, pay your balance in full every month. Use the cash that you were spending every month to now pay your monthly bill, and use your credit card to make the purchases.
Now you'll have what you were normally buying, and will be building credit at the same time. Your credit is built because we report your on-time payments to all three credit bureaus and review your account every six months for unsecured credit limit increases.
You win! Better credit, better life. Facts. You got this!
Use your card responsibly! Be sure to pay your bill on time, or at least the minimum payment if you can't pay the entire balance.
In the event of a missed or non-payment, (oops, it happens!) after the second reminder alert, 15 days after your payment due date, our software will automatically reduce the functionality of your smartphone, enabling it to only be used to contact emergency services (911) and our customer service to make a minimum payment.
It will remain this way until a minimum payment is made. You will not be able to use your phone until the payment is made.
Vybe was built this way by design. To put what our generation values the most, on the line for what we need the most.
We know how attached to our smartphones we are. It's how we communicate. It's how we share our lives. It's how we learn. It's how we hear our music. It's how we see the world. It's how we shop. It's how we love. It's how we laugh. It's how we challenge. It's how we protest. It's how we cry. It's how we're heard. It's how we live. For most of us, it's our life line.
So the point is, pay your bill so your life line helps you build a credit line, which helps you build a better life. It's that simple. Vybe isn't for everyone, so if your intent is to just not pay your bill and not build your credit, Vybe isn't for you, and that's okay. If your intent is to build credit to build a better life, we got you, and we'll do it together.