Five questions,
plain-English answers.
The five we get on the first call — rate stability, deposit safety, graduation, the three networks, and bureau reporting. Plain English, no fine print, no asterisks.
5 short answers · ~2 minute read
Is the 13% APR really what I get?
Same 13% APR on Visa, Mastercard, and Amex. No promo, no teaser — month sixty is the same as month one. There is no profile-tier jump: the rate you see on the marketing page is the rate on the statement. Same rate on every network, for the life of the account.
See /how-it-works → "Secured deposit" for the full mechanics.
Where is my deposit, and is it FDIC-insured?
Your deposit is held by the regulated partner bank that issues the Zodiac line, in a custodial lockbox at that bank. Funds held there are eligible for FDIC pass-through insurance up to the standard limit per depositor, per ownership category. The deposit earns no interest, and you get it back in full when your line graduates to an unsecured one.
See /how-it-works → 'Your starting credit limit equals your deposit.'
Who graduates, and what changes?
Graduation runs on an automatic review at the 6–8 month mark — on-time payment history, no past-due balance, account age of at least six months. When those line up, the deposit returns, the line becomes unsecured, and the 13% APR continues unchanged. If it is not automatic, we tell you why and what would change it, in plain English on the statement.
Do you cover Visa, Mastercard, and Amex?
Yes. One Zodiac line, three networks, same 13% APR. Visa and Mastercard cover the >200M-merchant global reach; American Express lights up wherever Amex is accepted — same limit, same rate, same deposit economics. No premium surcharge to use one network over another.
See /how-it-works → 'One account. Three networks. Same rate.'
Which bureaus, and how often?
We report to all three — Experian, TransUnion, and Equifax — every billing cycle. On-time payments, balances, and graduation all flow to each bureau on the same cadence. The file grows whether you swipe, tap, or pay online, and the 13% APR and the bureau report are governed by the same Reg Z / CARD Act disclosures the partner bank uses.
Ask us. We'll write back.
Drop your question and we'll get back from the same desk that writes the rate. Same channel that handles bureau reporting, graduation, and the deposit.
See the long-form or run the numbers.
The same deposit. The same 13% APR. The same graduation loop — laid out end-to-end.