Card Application
Updated over a week ago

What information do I need to apply for the Perpay Credit Card?

When you apply for the Perpay Credit Card, we will require the following information:

  • Legal first and last name

  • Date of birth

  • Social Security number

  • Primary address

How quickly will I find out if I have been approved for the Perpay Credit Card?

We process most credit card applications in as little as a few seconds. You’ll usually find out your approval status shortly after you submit your application. Our decision may take a bit longer if your application requires additional review. We’ll make sure to let you know if that happens.

How does applying for the card impact my credit?

Applying for the Perpay Credit Card will have no impact on your credit score.

If your application is approved, accepting the credit offer and making your first direct deposit payment will create a new credit line from Perpay on your credit report. Please know that payment performance on your card can impact future credit reports.

My application was declined. Why?

For more information on why your application was declined, please refer to the email provided. The email provides insight into why we were unable to approve your application. Your credit score will not be impacted as a result of this decision.

My application was declined. Can I apply again?

Yes, you can. However, you must wait at least 30 days since your last application decision was made before doing so.

I was told my credit was frozen. What does this mean?

A credit freeze is a restriction that you can put on your credit report that does not allow a new line of credit to be opened. If you have a frozen credit report, Perpay will not be able to fully process your credit card application.

To temporarily or permanently lift this freeze, you can contact each of the following credit bureaus: Equifax, Experian, and TransUnion.

I was told that I have a fraud alert on my credit report. What does this mean?

A fraud alert is a security measure that you can put on your credit report that makes it more difficult for someone to open a new line of credit in your name. Typically, these are put in place if you are concerned with identity theft. If you have a fraud alert on your credit report, that is no problem! Before we fully process your application, we will just need to further verify your identity.

The Perpay Credit Card is Powered by Deserve Inc. and issued by Celtic Bank.

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