Cards

Application Process

Q: Who is eligible to apply for a ChargeFun card?

A: Currently, ChargeFun cards are available to US residents who are 18 years or older with a valid government ID. We plan to expand to other regions soon.

Q: Does applying for a ChargeFun card affect my credit score?

A: No. We do not perform a traditional credit check, so applying for a ChargeFun card will not impact your credit score.

Q: What information do I need to provide during the application?

A: You'll need to provide:

• Full legal name

• Date of birth

• Address information

• Occupation and annual income

• Expected monthly usage

• Government ID for verification

Q: How long does the application review process take?

A: Most applications receive an instant decision. Some applications may require additional verification, which can take 1-3 business days.

Q: Why might my application require additional verification?

A: Additional verification may be required if:

• There are discrepancies in the information provided

• Your identity needs further confirmation

• Your application triggers standard security protocols

• You're in a high-risk location

Q: What should I do if my application is denied?

A: If your application is denied, you'll receive an explanation. Common reasons include:

• Incomplete or incorrect information

• Unable to verify identity

• Regulatory restrictions You may reapply after 30 days, addressing any issues mentioned in the denial.

Card Issuance

Q: How long after approval until I receive my card?

A: Your virtual card is issued immediately after approval. You can access it right away in the app.

Q: Is there a physical card option?

A: Currently, we only offer virtual cards. Physical cards are planned for a future release.

Q: Are there any fees for the card?

A: There are no application fees, annual fees, or monthly maintenance fees. The only fees are:

• 1% fee when topping up your card from crypto

• 1% foreign transaction fee for non-USD purchases

Q: What is the spending limit on my card?

A: Your spending limit is equal to your available balance. There are daily and monthly transaction limits for security purposes.

Using Your Card

Q: Where can I use my ChargeFun card?

A: Your ChargeFun Visa Platinum card is accepted anywhere Visa is accepted, both online and in-person when added to a digital wallet.

Q: Can I use my card internationally?

A: Yes, your card works for international purchases. A 1% foreign transaction fee applies for non-USD transactions.

Q: How do I add funds to my card?

A: You can top up your card by:

1. Going to the Card page

2. Tapping "Top Up"

3. Selecting a token from your wallet

4. Entering the amount to convert to USD

Q: How quickly are funds available after topping up?

A: Funds are typically available within 1-3 minutes after confirmation.

Q: Can I withdraw cash with my ChargeFun card?

A: Currently, the ChargeFun card does not support ATM withdrawals or cash advances.

Card Security

Q: How do I keep my card secure?

A: To keep your card secure:

• Never share your full card details

• Use the freeze feature when not using your card

• Enable transaction notifications

• Regularly check your transaction history

• Use secure networks when making online purchases

Q: What should I do if I suspect fraudulent activity?

A: If you suspect fraud:

1. Immediately freeze your card in the app

2. Report the suspicious transactions to support

3. Our team will investigate and issue a new card if necessary

Q: Can I freeze and unfreeze my card?

A: Yes, you can freeze and unfreeze your card at any time through the app. When frozen, all new transactions will be declined until you unfreeze it.

Q: Are my card details stored securely?

A: Yes, your card details are encrypted and only revealed when you explicitly request to view them using the eye icon.

Troubleshooting

Q: What if my card is declined?

A: Your card might be declined if:

• You have insufficient funds

• Your card is frozen

• The merchant doesn't accept virtual cards

• The transaction exceeds your limits

• The merchant's payment processor has restrictions

Q: How do I dispute a transaction?

A: To dispute a transaction:

1. Go to the transaction in your history

2. Tap "Report an Issue"

3. Follow the prompts to submit your dispute

4. Our team will investigate and respond within 5-7 business days

Q: What happens if I lose access to my phone?

A: If you lose access to your phone:

1. Log in to your ChargeFun account on another device

2. Freeze your card immediately

3. Contact support for additional security measures

For any other questions about your ChargeFun card, please contact our support team at [email protected]