Zoro Card is a debit card that builds credit. No credit history required.

- Get approved in minutes
- Use your Zoro Card like a normal checking account and debit card
- Every month, we report your account activity to the credit bureaus

HOW IT WORKS

Under the hood, the Zoro Debit Card spends from a Credit Builder line of credit. The line of credit is fully secured by the amount you’ve added to your Zoro account. Your account is reported to the credit bureaus as a secured credit card.

You can use your card just like a debit card. In other words: add money and your balance goes up. Spend money, and your balance goes down.

NO HARD CREDIT PULL

Zoro does not perform a “hard pull” credit check when you open an account. Your current credit score does not affect your application.

BUILD CREDIT HISTORY

A good FICO score can help you qualify for a credit card, car loan, or home loan. Building payment history has the biggest impact on your credit score, according to FICO.

All cards are issued by Hatch Bank, Member FDIC, pursuant to license by Visa U.S.A., Inc. All accounts are subject to ID verification. For more information, visit [zorocard.com](http://zorocard.com).