How Many Secured Cards Should You Have?

I have struggled with credit for most of my life before finally turning things around and I have never owned more than one secured credit card at a time. My reasoning was that when my credit does finally turn around, I didn't want to be stuck with a bunch fo secured credit cards.

Nowadays, most secured cards convert to unsecured within a 12–18 months and they probably did back then too but I just didn't want to deal with the hassle of trying to keep up with them and what I owed or how many months I had left before it did or did not convert.

It’s not the number of credit cards you own as much as how you use the ones you currently have. Today I own about 22 unsecured cards which include 8 major credit cards and my scores average about 700 over the three major credit bureaus. Not great, but just good enough to get what I want and need.

In contrast, I have friends who own 4–5 cards whose credit scores consistently stay above 700 year-round. Admittedly, neither of them has the Maverick mentality that I do and they are 10X more conservative than I am, so personality plays a huge roll in it too.

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Credit cards for people with bad credit

There are numerous credit cards available for people with bad credit. The problem is that most people aren't able to identify them. My extensive research into credit cards has given me great insight as to which cards have the best approval rates for people with bad credit.

You see, credit cards come in different tiers. There are cards for people with poor credit. There are cards for people with fair credit. There are cards for people with good credit. And finally, there are cards for people who have excellent credit.

In "The Blueprint", I spoke of a few cards that I knew to have easy credit approvals so that people starting from a really bad place could have a better chance of being approved. Each of these cards can be used as a stepping stone to something better in the future.

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Payday Loans and Barbershops

Not very long ago, after a series of financial mismanagements, I quickly found myself caught in a web of payday loans that I so lovingly refer to as "Shuffles". I call them shuffles because you have to shuffle all over town paying off and borrowing again.

To call this task tedious would be the understatement of the year but after a while, you develop somewhat of a routine as you go about town shuffling from one payday loan store to another. Your visits become so routine that you inadvertently develop a working relationship with the staff who work there who by now greet you by name as you walk in the door.

Over time you find yourself sharing stories about your life and families, diets and kids, apartment, home, and job searches. You name it and it gets talked about in the payday loan store. It's the new age version of the barbershop or beauty salon. Practically nothing is off-limits at the payday loan store.

Obviously, you won't find this experience at every store, but the very best stores make you feel so comfortable that you don't mind coming back again and again. After a while, it's just like visiting an old friend...and this is by design. The more comfortable you are, the more likely you won't stiff them on a payment.

Needless to say, shuffles are expensive. To keep going back again and again, week after week, month after month is insanity. I found myself giving away hundreds upon hundreds of dollars in just interest alone. My monthly interest charges amounted to a car or house payment and that was on top of the loan that I had to pay back.

The thing that finally broke the cycle for me was the day that I walked into a store and I saw a husband and wife in line who had to be in their mid to late 70's. One sported a cane and the other in a wheelchair. It was at that very moment that I knew I had to stop the insanity and never shuffle again.

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Why Knowing Your Statement Closing Date Is So Important

In "The Blueprint", I spoke about the Prism Money Management app and how valuable it was in helping you to pay your bills on time each month. What I didn't mention is how useful it is for helping to raise your credit scores. Knowing your creditor's statement closing dates is vital to reaching your credit goals.

You're probably asking how can a financial app help me raise my scores when the app just reminds you to pay your bills on time. That's true. It does do that but it does so much more. It also allows you to pay each of your bills right from within the app, which is pretty cool in itself, but wait, there's more.

What the Prism app does better than anything is to let you know at a glance your statements starting and closing dates for each of your bills. The app makes them viewable all in one place without the need to log in to each creditor's website or needing to wait for your statement to arrive in the mail if you have not yet subscribed to paperless billing.

We all know that paying your bills on time is important, but it's "WHEN" you pay them that's most important. Let me explain. Your statement closing date is when your creditor reports how much you owe to the credit bureaus each month. Let's say that your credit card closing date falls on the 3rd of each month. You will want to pay as much on that bill as you can before the statement closes and your balance is reported to the bureaus.

If you know your statements closing date, you can use this information to determine which bills to pay first. For example: If you know that you're already past the closing date of a particular bill, then paying more towards this bill will do nothing to affect your credit scores because the balance has already been reported to the credit bureaus.

You can also give yourself a short term loan each month by paying all your expenses with a major credit card and then paying the balance off in full before the statement closing date on your next payday. Let's say that you charge $1000.00 during the first two weeks after payday. As long as you pay the balance in full before the statement closing date, then your creditors will report a zero balance to the credit bureaus, thereby lowering your utilization and raising your scores.

In contrast, if you carry a balance or don't pay anything towards that $1000.00 by the time your statement closes, then your creditor will report a balance of $1000.00. In this scenario, your utilization increases by $1000.00 which only hurts your credit scores because it shows that you owe more money, thereby, potentially lowering your scores.

Here is one very important thing to note. Only pay your bills "AFTER" your credit card statement is generated and never before. Paying before your statement is available is the equivalent of paying towards last month's statement instead of your current month's bill. This could make you think that your current bill is paid, but in fact, you only paid more towards last month's bill. Now, your creditor can report your current month's bill as late and unpaid.

You might also like: The Blueprint - By Bill Collectors Hate Me

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Can Covid-19 cause a surge in payday loans?

Getting a payday loan already requires several things including a bank statement covering the last 30 days, your current account balance, a recent utility bill, driver's license, a social security card, and several personal references, among other things in order to be approved for a loan.

Stricter approval policies may be put in place by lenders to make sure that you are still employed full time and have not been furloughed. This could mean limiting the amount you can borrow to minimize their losses if you don’t pay.

I can also see the pandemic forcing smaller payday lenders to close stores or implement layoffs. Several payday stores had already shut down due to the latest regulations that called for capping a borrower's interest to 36% compared to the normal 350–500% that they typically charge.

You might also like: The Payday Loan Honor System

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The Bill Collectors Hate Me Group Is Growing!

Almost a year ago, I invited followers of my blog to join the "Bill Collectors Hate Me Group" where members can discuss credit-related issues in an open forum environment so that other members can view the discussion and share their experiences in similar situations.

Well since then, membership has increased considerably over the last month since the release of "The Blueprint Credit Repair Guide" that is available to group members and email subscribers only. There are currently no plans to release this guide to the general public but members who already have access are free to share it with family, friends and social media groups.

This group features articles that are exclusive to group members and will not be available on the general public blog. Group membership will ensure that you have access to all that "Bill Collectors Hate Me" has to offer. There is also a group chat for "real-time" answers to your questions.

In closing, I ask that you continue to share "Bill Collectors Hate Me" as much as you feel comfortable and I will continue providing you with the most useful credit-related content available on the web today. Thank you for your ongoing support!

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What Happens When Debt Collectors Sue?

While living in San Diego, California I moved into a new apartment and I didn't own anything but the clothes on my back. I didn't want the hassle of having to save up the money to furnish my new place because I knew it would take forever, but in hindsight, I wish that I had waited.

My only option was to find someone who was willing to give a person with bad credit a second chance and as luck would have it, I found a company called Jerome’s. Jerome’s furniture was a family-owned business that had been open in several San Diego locations for many years.

Jerome’s was known for financing just about anyone. If they couldn’t find a lender to loan you the money for your furniture purchase, then they’d finance it for you themselves. It was a sweet deal. I wish that more companies operated this way.

Surprisingly, I was approved by one of their outside lenders and I was given enough credit to completely furnish my living room. As the salesman and I walked the showroom floor to see what was in my price range, I came across an all-white sofa sectional that had a tag on it claiming it to be leather.

It was the most beautiful piece of furniture I’d ever seen up to that point so the salesman and I began the paperwork. When I asked was this furniture real leather, he responded by saying that it was “Bonded Leather”.

When I asked what that was, he described it as genuine leather that was made from scraps of leather that was leftover from other furniture that was bonded together to cover a new piece of furniture at a cheaper price than your standard leather.

I’m thinking, oh that sounds great. I get a beautiful leather set for about half the normal price of non bonded leather. I figure that leather is leather so what could possibly go wrong? Everything went wrong.

First, the furniture started turning from a beautiful creamy white to yellowish color from sitting in front of my sliding balcony windows and absorbing the sunlight. Then after a few months, the tops of the sofas started to crack and peel and would stick to my clothes when I stood up.

Now, I’d only had the furniture about 9 months at this point, if even that, and I still owed over two thousand dollars on it and I refused to pay for something that wouldn't even last the total time of my two-year contract to pay for it.

That’s when the collection calls started rolling in by the dozens. I sent formal cease and desist letters, told them that I refused to pay, and explained the reason why but they kept on calling me. I disputed and disputed but nothing worked. They refused to let me off the hook by allowing me to have the debt removed from my credit reports.

Three years later the collection still showed on my credit report until finally, I’d had enough. I had completely forgotten that I had been paying $10 a month for a prepaid legal service for close to 15 years that I never used, so I decided to call them up.

The attorney that assisted me gave me step by step instructions and told me exactly what forms I needed to file and what I needed to include in them in order to fight my case in court if I needed to. I went to the courthouse, filed my answer to the summons, paid my fee and 30 days later my case was dismissed and I never heard from the third party collection agency again.

But that wasn't the end of it. Even after winning my case against them, they still would not remove the collection from my credit reports. For the first time in my life, I had to wait out the entire 7 years before the law said that they legally had to remove the collection from my credit reports.

It was the hardest fight that I had ever fought and even though I was unable to have it removed from my credit reports as fast as I would have liked to, I still won in the end because I never had to pay the remaining balance owed on the furniture plus the exuberant penalties and late fees that they assessed totaling over $5,000.

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The Blueprint - By Bill Collectors Hate Me

The Blueprint DIY Credit Repair Guide was the result of many years of credit and financial struggles. It wasn't for the lack of money, but it was instead, the lack of discipline that got me into trouble time and time again.

I always knew what it took to build good credit and I'd laid out the plan in my head a hundred times over but when it actually came time to see the plan all the way through, I failed miserably.

Building credit is a mindset as much as it is a want-to or a need. With that, comes discipline and sacrifice. These are things that you may not quite be ready for. You have to be in a place where you are willing to make the type of commitment needed to improve your credit.

It wasn't until I was strong enough mentally, that I was able to finally commit enough of myself to start the task of rebuilding my credit from the ground up. It was not an easy undertaking, to say the least, but it had to be done. The Blueprint is my story...Let me share it with you.

BE STRONG, MENTALLY. DOWNLOAD THE BLUEPRINT TODAY!

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The Pre-Release of "The Blueprint" Is Here!

My long-awaited credit repair guide entitled "The Blueprint" is available now via pre-release to members of the private "Bill Collectors Hate Me Group". Current members have been enjoying the guide for a while and have already begun applying the valuable credit repair principles within it.

Although there are no current plans to release The Blueprint to the general public, it will remain available to BCHM blog visitors by email subscription only. Subscribing to the weekly email list will guarantee that you reserve your free copy of this amazing guide that is packed full of the principles that I used to improve my scores which led to 13 approvals within a 12-month time span.

The Blueprint will debunk every negative thing you've ever heard about credit repair and what can and cannot be removed from credit reports. "EVERYTHING" can be removed and I will show you how to do it right here, right now, in this manual and the best part about it is that it won't cost you a dime. I am giving you this information for FREE!

If you'd rather not subscribe and don't want to wait for the second wave of the release to email subscribers, you can get instant access right away by requesting to join the private "Bill Collectors Hate Me Group" so that you can start applying my tried and true principals right away!

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How To Get Out Of Payday Loans

I've had multiple payday loans since they first came available. I've had as many as 11 loans out at a single time. I had to pay back so many loans that I would have to take a lunch break between them on the first day and then go back out the next day to pay back and reborrow on the rest.

It was very stressful, to say the least. I have been in this situation several times but have finally found my way out for good. How did I do it? Well, the first two times, I burned them all at one time and didn’t pay a single one of them back. It was not my finest hour but at the time it was my only option.

The third go-round I told myself that I would fight my way through it and pay each lender back no matter what, and I did. Sure, I could have burned them again but I told myself that I put myself in this situation and it is up to me to see my way out of it the right way, this time. It took a few months but I eventually paid them all back.

So there you have it. I have laid out two options for you and which one you choose is entirely up to you. I would never advise that you not pay back what you borrowed but I’m sure the thought has crossed your mind already so that is the only reason why I have mentioned it here.

You might also like: The Payday Loan Shuffle!

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Can too many credit cards impact your scores?

I currently have about 22 credit cards, 13 of which I got over a twelve-month time span and I have not experienced any negative impact as of yet. Some people think that this is an exuberant amount of credit cards for a single person to own and I can see how some people might think that way.

As for myself, I apply for credit cards as a part of the research needed for my blog. It’s hard for me to give advice if I haven’t lived through the experience first hand. My technique for getting approved at such a high rate is due to the amount of time that I put into my research.

I own eight major credit cards and the remaining cards are for department stores and a single Shell gas card. Although one of my credit karma scores reached 701 once and for exactly a single day, the vast majority of my cards were approved with a poor to fair score between 600–650 which is far from elite.

Having said that, this has not negatively impacted my credit scores because I am not applying willy nilly all over the place. I have a strategic plan in place and map out exactly when and where I will apply in order to achieve the greatest chance for approval.

Even though my scores typically hover near the barely average range, I know that I can boost them all above 700 at any given time by doing absolutely nothing more than continue to pay my bills on time. The seeds have been planted…Now I can just sit back and watch them grow.

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VantageScore VS FICO Score

I won't pretend like I know all the differences between the VantageScore that you might find on Credit Karma or Credit Sesame, but what I can tell you is that most creditors are looking at your FICO score when they are making decisions about whether to grant credit or deny it.

As it turns out, I am in the perfect position to make a comparison between the two credit scores. For comparison's sake, as of today, my Transunion VantageScore as reported by Credit Karma is 607 and my Transunion FICO score is 669. Needless to say, that is a huge score difference.

I only found out my Transunion FICO score by accident because I received my Uber Visa in the mail recently with a 4K credit limit and on the accompanying paperwork, it showed that my Transunion FICO score was 669 at the time of approval.

That means that when my Credit Karma score was 650 then my true FICO score that lenders look to when making credit decisions was right around 712. Here I was beating myself up over my easily accessible Credit Karma score and it was nowhere near my true credit score!

So I say that, to say this: No matter what your Credit Karma score may look like today, just keep in mind that your FICO score, the one that lenders use to make credit decisions is most likely much higher. In my case, the difference was 62 points but admittedly, I do not know all the variables.

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Collections, Disputed, Removed!

For many years people have stated that accurate, derogatory information could not be removed from credit reports and I have stated for just as long that it can. I know this because I've done it for the better part of 20 years for myself, friends and family members.

I wanted to put this myth to rest once and for all and that's why I decided to release my upcoming "DIY Credit Repair Guide" so that I could show you step by step, exactly how I was able to remove negative entries from all three of the major credit bureau reports.

This procedure works for both paid and unpaid collections but it's a process and you cannot expect to have a 100 percent success rate the first go-round unless you are lucky enough to only have one or two derogatories showing on your credit reports.

This post is the final notification of the upcoming release of my DIY Credit Repair Guide entitled: The Blueprint. It is currently in the final revision stages and will be released sooner rather than later. This is your last chance to reserve your free copy as it will only be available via an advanced email subscription on the "Bill Collectors Hate Me" blog.

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The Barclays Uber Visa Card

Being the author of a credit and financial advice blog, I am always on the lookout for new credit card opportunities. As I've stated time and time again, credit inquiries are overrated. After doing a quick check of my recent credit approvals, I was shocked to learn that I'd been approved for eight credit cards within a 30-day time frame and a total of thirteen approvals inside of twelve months.

If inquiries were that detrimental to your credit score, I would never have been approved so many times within such a short period of time. Even with all my recent approvals, I know that I have plenty of room for several more, but I've decided that the twenty-plus that I currently own shall do. When applying for credit, I highly recommend that you apply for up to 5 credit cards simultaneously after the first approval...preferably over the weekend as this is when I've had the most success.

That brings me to the Uber Visa credit card that is financed by Barclays Bank. I was approved for this and the CareCredit credit card on the same day. Full disclosure, I was denied for three other cards on that day that I didn't really need, but I was just being greedy. Being approved so often after years upon years of denials can become very addicting and give you a false sense of power and invincibility, so be careful.

This card offers several rewards that can only be redeemed for Uber rides and Uber Eats, but the benefits don't stop there. You are also eligible for ID Theft Protection, Auto Rental Collision Damage Waiver, Roadside Dispatch and Cellphone Protection of $600 against damage or theft as long as you pay your cellphone bill via the card. I only paid $350 for a like-new, refurbished Samsung S9 Plus from the Sprint website, so I am more than covered.

There are several other benefits that are too many to name here but all in all, I find that the Barclays Uber Visa credit card is one of the best in the business... Especially if you are a frequent Uber rider or Uber Eats customer. This card also offers a generous starting credit limit. In my case, I was approved for $4,000, which at the time of this writing is the highest starting credit limit of all my major credit cards.

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The CareCredit Credit Card

Over a period of 2-3 months, I started to feel a very sharp pain while chewing food on the left side of my mouth in an area that was later identified as tooth #18. The pain came on fast and furious with no advanced warning. It wasn't until that point that I realized that I had a dominant chewing side. I was miserable.

The CareCredit card can be used for several medical procedures such as LASIK surgery. Everyone knows that CareCredit can be used for dental procedures like braces and dental deductibles. What people don't know is that it can also be used for cosmetic procedures such as breast implants as well as primary care visits, chiropractic care, and Walmart for health and wellness supplements and more.

CareCredit is accepted at veterinary clinics all over the country for your pets because sometimes you just don't have the available cash on hand for emergency procedures in a sudden and unpredictable time of need. The interest rate is a bit on the high side but when you need it, you need it.

I was instantly approved for $2500 but my research shows that CareCredit is financed by Synchrony Bank who is known for increasing credit card limits at a very high and acceptable rate. For instance...One user reported being granted a starting credit limit of $800 and was instantly increased to 5K upon request.

User reviews for this card are very positive and given what I've garnered from previous cardholders when I do ask for an increase, I will ask to be bumped from my current credit limit of $2500 to $5000 and I feel very confident about my chances of approval.

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Can a person get by without credit?

After ruining my credit the first few times, I tried to convince myself that I could live the rest of my life using nothing but cash and debit cards and it worked very well for me for quite a few years because I already had a car and a place to live.

It wasn't until it came time to find a new apartment that the reality of the lack of good credit would come into play. I was denied for an apartment for the very first time in my life but was later reconsidered after plopping down a huge security deposit that I was in no way prepared to pay for.

The embarrassment of struggling to rent an apartment was a real light bulb moment for me and immediately made me focus on getting my credit life back on track. I started paying all my bills on time and dedicated my focus to credit rebuilding.

In summary, you can live life without credit for a few years if your timing is just right, but mark my words...there will come a day when the chickens come home to roost and you’ll find yourself in need of credit and it won't be available to you.

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Should you pay your credit card in full each month?

If you have the means, it is ALWAYS better to pay the card balance off in full each month but only AFTER the statement cuts. In other words, don’t pay the bill until you receive the statement telling you exactly what you owe.

A zero balance will always look better than carrying one no matter what anyone tells you. If you must carry a balance, then always pay more than the minimum amount due. I like to shoot for at least double the minimum payment and then round up.

Next to paying your bills on time, available credit is the most important factor in increasing your credit score. The more you owe your creditors the lower your credit score. The less you owe your creditors the higher your credit score.

Most professionals recommend that you keep your utilization at 30% or below but Ideally, your credit utilization should be at 10% or less than the overall amount of combined credit that you have access to.

I have recently put this through a test and have found that my credit score was much higher at 10% utilization than it was at 30% and even higher at 5%. Having said that, everyone is not in the position to pay their bills down that low so I’d say that 30% is a good goal to shoot for and anything less will make your scores soar.

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How do people with poor credit, get credit?

Granting credit to people who have shown a history of mishandling credit may sound counterproductive, but the reality is that this is a new era in credit and finance. In the past, a person with poor credit would never be afforded all the second chance opportunities to own a credit card that is made available to them today.

Nowadays, there is a credit card for everyone no matter what your current credit background but this does not come without sacrifice. You will pay a processing fee, a monthly maintenance fee, a yearly fee or all of the above, but you do what you have to do to get back on track.

When my credit went south, I had every lower-tiered, fee laced credit card known to mankind while trying to rebuild my credit and somehow I managed to even screw that up and defaulted on all of my second chance credit cards too! It seemed that I hadn’t learned much at all about credit but in reality, I did.

Even though I defaulted on my second chance at rebuilding my credit, I learned how to rebuild credit without actually doing it, and in fact, made my credit situation worse than it was before I started. I realized that I only failed because I was not mentally prepared to see the process all the way through.

Fast forward to today and my score hovers in the low 700’s because I was able to apply what I learned from my past failures at credit rebuilding. It took me about four attempts but once I had finally had enough, I was able to maintain my focus and follow the rebuild all the way through. Having a plan is great…Seeing it through is the hard part.

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Can you build credit with PayPal?

For the sake of clarity, a traditional PayPal account will do nothing to improve your credit score because it will never report to the credit bureaus, however, a “PayPal Credit” account which is financed by Synchrony bank, will report to Experian but no others. I know this because it appears on my report every month as SYNCB/PPC. It is a current account and has never been late.

I realize that some people are confused because there was a point in time before Synchrony Bank took over that the PayPal Credit accounts did not report to any of the three major credit bureaus. This goes all the way back to when PayPal Credit used to be called Bill Me Later.

I should also note that Synchrony Bank will rarely if ever give automatic PayPal Credit limit increases unless you purchase something over your current limit. If the cost is not too much over your limit, Synchrony will typically raise your credit limit enough to cover your purchase and your credit limit will stay at the higher amount going forward.

For example…My starting PayPal Credit limit was only $250 so I made a purchase of about $275 and Synchrony Bank increased my limit to $500 to cover my purchase and then some. I was able to keep my new credit limit even after I paid off my balance completely. You can also request a credit limit increase from the PayPal Credit website but so far I have not had any luck going that route.

You might also like: PayPal Credit

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Sprint and Collections

Sprint uses an internal collection agency that will work with you to negotiate a settlement on a lesser amount. If their inhouse collection agency is unsuccessful in collecting the past-due payment, Sprint will pass the debt to an outside collection agency.

If the outside collection agency is unsuccessful in the collection of payment, then and only then will the collection agency report your past-due debt to the credit bureaus. This affords the debtor a very generous amount of time to come up with a payment.

You might also like: GC Services Limited Partnership and Sprint

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A Message From HELL!

Many years ago, this one particular collection agency emailed me with threats like I had never seen before. I mean, these were not your normal, run of the mill threats…These threats were way over the top and one day I just got fed up and responded back with the vilest, most vulgar, and nastiest words known to mankind.

I wanted them to know that I didn't appreciate them contacting me with empty threats of having me arrested and hauled off to jail when they knew they could do no such thing and where just using scare tactics in an attempt to get me to pay off a past due payday loan that was several months to a year in my rear-view.

Within the hour I received an email reply from a man claiming to be the owner of the company who stated that he is running a family-owned business and has young children who read his business emails from time to time and would appreciate it if I did not use such vile language as he felt that it was very offensive to his kids.

To which, I responded that as long as he continues to send me empty threats, I will continue to reply back with language that demonstrates my displeasure in him contacting me. I made it perfectly clear that we can continue this email back and forth, or he could stop contacting me and I would gladly reciprocate by not responding. I never heard from him or his company again.

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Should you consider a payday loan?

A person should only consider taking out a payday loan if they are in dire straits and have no other options. I’ve probably taken out well over 500 payday loans since they have first become available and I am not proud of this fact, but sometimes desperate times call for desperate measures.

Payday loans are easy to get into but a nightmare to get out of. Breaking the cycle is very difficult because the average person who gets a payday loan usually takes out two to three more loans, perpetuating the proverbial robbing Peter to pay Paul syndrome.

At my very lowest, I had over 10 payday loans at the same time. It took me so long to pay them off and reborrow that it would take me two days to complete them all. At this point there are only a few ways out and paying them off was not an option for me. I ultimately ended up burning them all by closing my checking account and opening up a new one at a different bank. Again, not my proudest moment.

Today, I am happy to say that I have put traditional payday loans behind me. Just the sheer thought of the way I felt when I was knee-deep in them is usually enough to scare me back to reality in the event that it ever crosses my mind to seek out another payday loan.

You might also like: The Payday Loan Shuffle!

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The Dave Cash Advance App

I am a long way removed from the traditional payday loan system but I do from time to time use a mobile app called Dave that allows you to take out small cash advances of either $25, $50, or $75 until your next payday.

One reason why the Dave app is different from a standard payday loan is that you can borrow money without paying a single dime in interest. You pay back exactly what you borrow and not a penny more. They do offer the ability to leave a tip to show your gratitude but it is not required.

Dave is very simple to use. Once you have initially set up the account and connected your bank, you can generally have your money in your bank account in one to two business days without having to pay the optional fee for fast delivery.

In order to qualify for a cash advance, you only need to be 11 days or less from your next payday. The Dave app also has a checking account that you can opt into that will give you access to up to a $100 advance but at the time of this writing, it is not yet available.

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