# Grow Credit Inc. Help Center > Help center for Grow Credit Inc. ## General Information - [What is Grow Credit? How does Grow Credit work?](http://help.growcredit.com/en/articles/5321009-what-is-grow-credit-how-does-grow-credit-work.md) - [What discounts and special offers are available for Grow members? How can I redeem them?](http://help.growcredit.com/en/articles/6307692-what-discounts-and-special-offers-are-available-for-grow-members-how-can-i-redeem-them.md) - [Will applying for a Grow Credit card negatively impact my credit score? Does Grow Credit perform a hard credit inquiry?](http://help.growcredit.com/en/articles/5321031-will-applying-for-a-grow-credit-card-negatively-impact-my-credit-score-does-grow-credit-perform-a-hard-credit-inquiry.md) - [Will Grow Credit mail me a physical card?](http://help.growcredit.com/en/articles/5321072-will-grow-credit-mail-me-a-physical-card.md) - [What are the advantages of using a Grow Mastercard over other credit-building methods? Can I use more than one method at a time?](http://help.growcredit.com/en/articles/5321098-what-are-the-advantages-of-using-a-grow-mastercard-over-other-credit-building-methods-can-i-use-more-than-one-method-at-a-time.md) - [Where is Grow Credit available?](http://help.growcredit.com/en/articles/5321921-where-is-grow-credit-available.md) - [How can I contact Grow’s customer support?](http://help.growcredit.com/en/articles/5321102-how-can-i-contact-grow-s-customer-support.md) - [Does Grow Credit charge any fees?](http://help.growcredit.com/en/articles/8156669-does-grow-credit-charge-any-fees.md) - [Does Grow Credit offer business accounts?](http://help.growcredit.com/en/articles/5321143-does-grow-credit-offer-business-accounts.md) - [What are my plan options? How do I choose a plan?](http://help.growcredit.com/en/articles/8475117-what-are-my-plan-options-how-do-i-choose-a-plan.md) ## Getting Started with Grow - [How do I join Grow Credit?](http://help.growcredit.com/en/articles/5321119-how-do-i-join-grow-credit.md) - [What do I need to join Grow Credit? Can I join if I have poor credit or no credit history at all?](http://help.growcredit.com/en/articles/5321109-what-do-i-need-to-join-grow-credit-can-i-join-if-i-have-poor-credit-or-no-credit-history-at-all.md): Learn about Grow Credit's eligibility requirements - [What zip code should I use for my Grow Credit account? Can I use a different zip code for my card?](http://help.growcredit.com/en/articles/5321128-what-zip-code-should-i-use-for-my-grow-credit-account-can-i-use-a-different-zip-code-for-my-card.md) - [Can I use a P.O. Box as my address when I sign up for Grow?](http://help.growcredit.com/en/articles/5321115-can-i-use-a-p-o-box-as-my-address-when-i-sign-up-for-grow.md) - [I am having trouble adding my bank account.](http://help.growcredit.com/en/articles/5321127-i-am-having-trouble-adding-my-bank-account.md) - [I am having trouble verifying my identity.](http://help.growcredit.com/en/articles/5321121-i-am-having-trouble-verifying-my-identity.md) - [Why was my application denied? Can I reapply for Grow?](http://help.growcredit.com/en/articles/5321111-why-was-my-application-denied-can-i-reapply-for-grow.md) - [How do I use Grow to pay for my subscriptions?](http://help.growcredit.com/en/articles/5321014-how-do-i-use-grow-to-pay-for-my-subscriptions.md) - [What can I use my Grow Credit Card for?](http://help.growcredit.com/en/articles/8660471-what-can-i-use-my-grow-credit-card-for.md) ## Account Access and Settings - [I’m not receiving the SMS verification code. What should I do?](http://help.growcredit.com/en/articles/7173653-i-m-not-receiving-the-sms-verification-code-what-should-i-do.md) - [How can I update my personal information?](http://help.growcredit.com/en/articles/5321327-how-can-i-update-my-personal-information.md) - [I forgot the email I used to sign up for Grow. What should I do?](http://help.growcredit.com/en/articles/5321433-i-forgot-the-email-i-used-to-sign-up-for-grow-what-should-i-do.md) - [I forgot my password. How can I reset it?](http://help.growcredit.com/en/articles/5321324-i-forgot-my-password-how-can-i-reset-it.md) - [I’m having trouble accessing my Grow account and it’s not an issue with my password or email address. What should I do?](http://help.growcredit.com/en/articles/5321431-i-m-having-trouble-accessing-my-grow-account-and-it-s-not-an-issue-with-my-password-or-email-address-what-should-i-do.md) - [How do I close my Grow Credit account?](http://help.growcredit.com/en/articles/5321980-how-do-i-close-my-grow-credit-account.md) - [What are the documentation requirements for proof of address or billing address updates?](http://help.growcredit.com/en/articles/13369556-what-are-the-documentation-requirements-for-proof-of-address-or-billing-address-updates.md) ## Credit Reports - [If I close my Grow Credit account, will my credit be affected? Will Grow Credit charge a fee if I close my account?](http://help.growcredit.com/en/articles/5321035-if-i-close-my-grow-credit-account-will-my-credit-be-affected-will-grow-credit-charge-a-fee-if-i-close-my-account.md) - [How can Grow help me build my credit score?](http://help.growcredit.com/en/articles/5321053-how-can-grow-help-me-build-my-credit-score.md) - [Which credit bureaus does Grow Credit report to? When does Grow report? How long will it take for my credit to be affected?](http://help.growcredit.com/en/articles/5321023-which-credit-bureaus-does-grow-credit-report-to-when-does-grow-report-how-long-will-it-take-for-my-credit-to-be-affected.md) - [How is my credit score calculated? What does my credit score mean?](http://help.growcredit.com/en/articles/5321018-how-is-my-credit-score-calculated-what-does-my-credit-score-mean.md) - [I filed a dispute with the credit bureaus but Grow Credit responded that the payment reporting is accurate. What should I do?](http://help.growcredit.com/en/articles/8470035-i-filed-a-dispute-with-the-credit-bureaus-but-grow-credit-responded-that-the-payment-reporting-is-accurate-what-should-i-do.md) - [Grow Credit appears on my credit report, but I don’t remember opening an account. What should I do?](http://help.growcredit.com/en/articles/8470043-grow-credit-appears-on-my-credit-report-but-i-don-t-remember-opening-an-account-what-should-i-do.md) ## Plans - [Why am I only eligible for a Starter card?](http://help.growcredit.com/en/articles/5581131-why-am-i-only-eligible-for-a-starter-card.md) - [Will the plan fee cover the cost of my subscription services?](http://help.growcredit.com/en/articles/5321941-will-the-plan-fee-cover-the-cost-of-my-subscription-services.md) - [What is a monthly spending limit? How can I find mine?](http://help.growcredit.com/en/articles/5321934-what-is-a-monthly-spending-limit-how-can-i-find-mine.md) - [How can I increase my monthly spending limit?](http://help.growcredit.com/en/articles/5321928-how-can-i-increase-my-monthly-spending-limit.md) - [Can the $17 monthly spending limit on the Build and Build Starter memberships really impact my credit score? Isn’t that too low to make a difference?](http://help.growcredit.com/en/articles/5321140-can-the-17-monthly-spending-limit-on-the-build-and-build-starter-memberships-really-impact-my-credit-score-isn-t-that-too-low-to-make-a-difference.md) - [Can I downgrade my Grow Credit membership from a Grow or Accelerate membership to a Build membership?](http://help.growcredit.com/en/articles/5321311-can-i-downgrade-my-grow-credit-membership-from-a-grow-or-accelerate-membership-to-a-build-membership.md) ## Subscriptions - [How do I remove subscriptions?](http://help.growcredit.com/en/articles/7173848-how-do-i-remove-subscriptions.md) - [I want to pay all of my subscriptions through Grow Credit, but they cost more than the monthly spending limit. How can I increase my limit?](http://help.growcredit.com/en/articles/7173942-i-want-to-pay-all-of-my-subscriptions-through-grow-credit-but-they-cost-more-than-the-monthly-spending-limit-how-can-i-increase-my-limit.md) - [What are premium subscriptions, and how can I add them to my account? Why can’t I add premium subscriptions to my Build or Build Starter account?](http://help.growcredit.com/en/articles/5321132-what-are-premium-subscriptions-and-how-can-i-add-them-to-my-account-why-can-t-i-add-premium-subscriptions-to-my-build-or-build-starter-account.md) - [I can’t find the subscription I want to add to my account. How can I suggest a new subscription?](http://help.growcredit.com/en/articles/5321219-i-can-t-find-the-subscription-i-want-to-add-to-my-account-how-can-i-suggest-a-new-subscription.md) - [What subscriptions work with Grow Credit?](http://help.growcredit.com/en/articles/4258985-what-subscriptions-work-with-grow-credit.md) - [Can I link my Grow Credit card to PayPal, Google Pay, Apple Pay, Roku, Amazon Pay, or other payment processing systems?](http://help.growcredit.com/en/articles/6319796-can-i-link-my-grow-credit-card-to-paypal-google-pay-apple-pay-roku-amazon-pay-or-other-payment-processing-systems.md) - [I am having trouble adding one of my subscriptions.](http://help.growcredit.com/en/articles/5321124-i-am-having-trouble-adding-one-of-my-subscriptions.md) - [I am experiencing subscription service interruptions when using my Grow Credit virtual Mastercard to pay for them.](http://help.growcredit.com/en/articles/5321491-i-am-experiencing-subscription-service-interruptions-when-using-my-grow-credit-virtual-mastercard-to-pay-for-them.md) - [Why are my charges getting declined?](http://help.growcredit.com/en/articles/6319801-why-are-my-charges-getting-declined.md) - [Can I use my Grow Credit card to order food delivery or retail purchases?](http://help.growcredit.com/en/articles/6319798-can-i-use-my-grow-credit-card-to-order-food-delivery-or-retail-purchases.md) ## Payments - [I can’t make my payment this month. What should I do?](http://help.growcredit.com/en/articles/5321484-i-can-t-make-my-payment-this-month-what-should-i-do.md) - [What payment options are available for my Grow Credit bill? Can I use a debit card or Paypal?](http://help.growcredit.com/en/articles/6662497-what-payment-options-are-available-for-my-grow-credit-bill-can-i-use-a-debit-card-or-paypal.md) - [When will I have to repay my Grow balance?](http://help.growcredit.com/en/articles/5321487-when-will-i-have-to-repay-my-grow-balance.md) - [Can I change my repayment date?](http://help.growcredit.com/en/articles/5321493-can-i-change-my-repayment-date.md) - [What is Plaid and how does Grow Credit use it? What should I do if my bank account isn’t compatible with Plaid?](http://help.growcredit.com/en/articles/5923813-what-is-plaid-and-how-does-grow-credit-use-it-what-should-i-do-if-my-bank-account-isn-t-compatible-with-plaid.md) - [Refunds from Subscription Providers](http://help.growcredit.com/en/articles/8156985-refunds-from-subscription-providers.md) - [Why are my payments being reported late?](http://help.growcredit.com/en/articles/8156986-why-are-my-payments-being-reported-late.md) - [I keep getting emails to reauthorize my bank account, but it’s already linked.](http://help.growcredit.com/en/articles/8156988-i-keep-getting-emails-to-reauthorize-my-bank-account-but-it-s-already-linked.md) - [Can I get late payments removed from my account?](http://help.growcredit.com/en/articles/9125916-can-i-get-late-payments-removed-from-my-account.md) - [What should I do if I am affected by a disaster?](http://help.growcredit.com/en/articles/9616921-what-should-i-do-if-i-am-affected-by-a-disaster.md) - [How to Pay with a Debit Card or PayPal](http://help.growcredit.com/en/articles/12038027-how-to-pay-with-a-debit-card-or-paypal.md) ## Working With Grow - [Is Grow Credit hiring?](http://help.growcredit.com/en/articles/5321439-is-grow-credit-hiring.md) - [My business would like to partner with Grow Credit. Who should I contact to propose a partnership?](http://help.growcredit.com/en/articles/5321444-my-business-would-like-to-partner-with-grow-credit-who-should-i-contact-to-propose-a-partnership.md) - [Does Grow Credit have a referral program? What incentives are there for referring friends?](http://help.growcredit.com/en/articles/5321458-does-grow-credit-have-a-referral-program-what-incentives-are-there-for-referring-friends.md) - [Does Grow Credit have an affiliate program?](http://help.growcredit.com/en/articles/5321453-does-grow-credit-have-an-affiliate-program.md) - [How can I become a featured member? What will I get for becoming a featured member?](http://help.growcredit.com/en/articles/5321461-how-can-i-become-a-featured-member-what-will-i-get-for-becoming-a-featured-member.md) ## Privacy and Security - [I believe my Grow Credit account has been hacked or accessed fraudulently. What should I do?](http://help.growcredit.com/en/articles/5321470-i-believe-my-grow-credit-account-has-been-hacked-or-accessed-fraudulently-what-should-i-do.md) - [Does Grow Credit sell or share user information? Where can I view the Terms of Service and Privacy Policy? How does Grow secure my information?](http://help.growcredit.com/en/articles/5321465-does-grow-credit-sell-or-share-user-information-where-can-i-view-the-terms-of-service-and-privacy-policy-how-does-grow-secure-my-information.md) - [How can I increase my Grow Credit account’s security?](http://help.growcredit.com/en/articles/5321475-how-can-i-increase-my-grow-credit-account-s-security.md)