Sunbit Card Frequently Asked Questions

How is the minimum payment due calculated?

If you have a purchase-related transaction on your account (or certain other events occur) and you are not late, we calculate the equal payments you would need to make on time in the next 36 billing cycles to pay your balance in full (assuming you make no further purchases).  This is the minimum amount you must pay in those next 36 billing cycles (unless, e.g., you make another purchase, you are late or certain other events occur).  In the event you are late, your minimum payment will also past due amounts.

If you are current and do not have a purchase-related transaction on your account in a billing cycle (and certain other events do not occur), then we do not recalculate your minimum payment due for the next billing cycle and instead your minimum payment is equal to the amount calculated when you last had a purchase-related transaction to repay your balance in 36 billing cycles.

For customers whose cards were issued prior to January 21st, 2021, the above-mentioned calculations related to the minimum payment are made over 12 billing cycles.

How is the Sunbit card different from credit cards?

As opposed to traditional credit cards, with the Sunbit Card, your monthly balance is split into a 36-month payment plan (which you can always pay off sooner, and pay less interest by doing so).

For customers whose cards were issued prior to January 21st, 2021, the above-mentioned calculations related to the minimum payment are made over 36 billing cycles.

What do I need to have ready in order to apply?

You’re already a Sunbit customer, so all you’ll need to provide is the personalized PIN from the application page, the last 4 digits of your Social Security number, your net monthly income, and your housing expenses.

How does applying for the card impact my credit score?

Completing the application will not impact your credit score but all account openings and payment performance are reported to a major credit bureau.

How soon after I’m approved can I use the Sunbit Card?

You can use it as soon as you receive and activate the card. It should arrive in the mail within 7-12 business days.

Can I apply over the phone?

No, the application needs to be done online.

Why do you need my personal information?

We need this information to confirm your identity. 

How long does it take for me to find out if I’m approved?

You’ll find out as soon as you submit your application online.

What will my credit line be?

If you’re approved, we’ll let you know what your credit line is right away.

Are all Sunbit cards eligible for a credit line increase?

Customer information and credit performance for offering customers a credit line increase are reviewed regularly. These factors include: on-time payments, paying down your balance, overall credit performance, and other factors. In general, accounts become eligible for a credit line increase after:

  • Accounts have been opened for several months.
  • Have not received a credit line increase or decrease over the past several months.
What factors determine if I receive a credit line increase?
  • You make on-time payments (with all creditors).
  • You make larger monthly payments that pay down your balance.
  • Other applicable factors that impact your credit score.
When will I receive my Sunbit card?

You should get it in the mail within 7 to 12 business days after you’re approved.

Can I add someone to my account?

No—your Sunbit Card is assigned to you, and for your personal use only.

Is there an annual fee?

No, there is no annual fee.

Will my interest rate change or fluctuate?

The interest rate can vary slightly with the Prime Rate so long as you’re carrying a balance.

Is there a late fee?


How much interest will I pay?

If you pay your entire balance on or before the due date you will not be charged any interest. Otherwise, you will be charged interest as it normally accrues based on your average daily balance.

How will I receive my statements?

Your statements will be sent electronically to the email address on file. If you don’t see the email in your inbox please check your promotion/social/spam/junk folder. You can request a paper statement in lieu of an electronic one by calling 855-678-6248 or emailing us [email protected].

Where can I use the Sunbit Card?

The Sunbit Card can be used anywhere Visa® is accepted, in-store or online.

I received an email that said I could receive an invitation to apply if I make 1 (or 2) more payments on time. What does this mean?

If your next 1 or 2 payments (as indicated in the email) are made on time, you remain in good standing, and your credit profile has not changed significantly, then you can expect to get an invitation to apply for the Sunbit Card.

How can I contact you?

You can call us at 855-678-6248 or email us at [email protected].  We will be happy to assist you with any questions.

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