Is Credit Convey Bridge-a-Gap “BaG” cash a payday loan?
No. Our Bridge-a-Gap “BaG” cash products are not loans, payday loans, or any other types of traditional credit. They do not carry interest rates, do not require credit scores, and do not affect credit scores.
Credit Convey App provides Financial Wellness insights and notifications about your daily balances, income, and expenditures. So long as you keep your bank account connected, you can request BaG cash (commonly $20 non-growing or $40 growing over time to $200) to avoid impairing your finances. BaGs are extended to all clients with qualified accounts (subject to approval).
How can I apply for a BaG cash?
Download the Credit Convey App from the App Store and follow the instructions on the App. It’ll take about 5 Minutes.
Do I need a good Credit Score to sign up and get a BaG cash?
No. Credit Convey membership products do not check credit scores and do not report to credit bureaus.
Does Credit Convey BaG cash affect my Credit Score?
No. Credit Convey membership products do not check credit scores and do not report to credit bureaus.
Does Credit Convey BaG cash charge an interest?
No. Credit Convey BaG cash is not a loan and does not charge any interest.
Can I sign up for Credit Convey?
Yes. Any U.S. person with an active checking account and a smartphone can sign up for Credit Convey membership products.
Why doesn’t the App connect to my bank account?
Credit Convey's products are limited by the data that your bank's service providers supply. Sometimes, those service providers fail to provide the necessary data to Credit Convey to successfully issue the products. Unfortunately, we won't be able to deliver the products in those instances.
How do I cancel my membership and delete my account?
Deleting the App itself from your mobile phone does not delete your account. If you have deleted the App, download it again and sign in with your email address and password. Once logged in, navigate to the "Settings" tab on the bottom-right of the screen. Under the Bank Account section, select to cancel your membership or permanently deactivate your account. Alternatively, you can email Customer Service so that a Customer Service Agent disconnects and deactivates your account for you. The Customer Service email address is on the App's Settings screen: support@creditconvey.zendesk.com.
Canceling your membership can take 24 hours to process. After membership cancelation, rest assured that:
Your bank account is disconnected.
Your Account is deactivated.
You will no longer be charged any Membership Fees.
What is the $9.99 Membership Fee?
This fee covers the cost of maintaining the connection to your bank account. The Credit Convey App works only if you keep your bank account connected. Services such as:
Financial wellness insights powered by AI,
Income and expenditure alerts,
Automatic payment breakdown into partial payments,
Automatic payment rescheduling,
$0 funds transfer fee,
and many more are only available when your bank account is connected to the App.
Can I get a refund for my $9.99 membership fee?
Yes. Membership Fees are subject to our courtesy refund policy upon request and will result in permanent membership cancelation. If you are unsatisfied with the App services, please contact Customer Service, and we will reimburse you according to our operating policies. The Customer Service email address is on the App's Settings screen: support@creditconvey.zendesk.com.
My BaG cash request was denied. Why can’t I get a BaG cash?
Our Eligibility Criteria encompass several conditions related to your frequent income deposits and day-to-day transactions. If your BaG request is denied, your membership will be automatically canceled, and your bank account will be disconnected. You may connect a different bank account where you have your day-to-day transactions and try again.
Is my BaG cash amount guaranteed to grow every time?
NO. There is no guarantee.
Our program is designed so that users receive growing cash over time. While many users receive a larger amount each time, it is still possible for a BaG cash request to get declined or receive a lower amount for a continued user. Continue obtaining income in your connected bank account and maintaining a healthy, day-to-day transaction and balance. You will soon be back on track to receive more significant amounts once again.
We encourage you to stay on track. Getting to a stage where your BaG cash would be sufficiently large may take some time.