Access Finance has introduced the Juzt Credit Card, a new unsecured digital card designed to serve Americans with limited or poor credit histories. This fintech innovation aims to address the growing inaccessibility of traditional credit products and offer consumers a supportive pathway toward financial inclusion and credit health.

1. Tackling a Growing Credit Access Gap

• Many Americans face a “quiet credit crisis”, unable to secure traditional credit cards due to low or nonexistent credit scores.
• Access Finance created the Juzt Credit Card to offer responsible credit access and digital tools to those most underserved.

2. Card Design: Built for the Underserved

• No security deposit is required.
• The card is unsecured and fully digital, catering to consumers with FICO scores under 600 or no credit history at all.
• Backed by Mastercard, it offers global usability and integration with Apple Pay and Google Pay.

3. Powered by Smart Technology

• Issued by The Bank of Missouri and built on Taktile’s risk decision engine, the card uses:
  • Alternative data
  • Machine learning
  • Dynamic behavioral scoring
• Approval is more likely for those who maintain a low debt-to-income ratio and show on-time payment behavior on obligations like rent or utilities.

4. Features That Promote Credit Growth

• Initial credit limits start from $400, keeping users in a manageable range.
• A built-in dashboard helps users:
  • Monitor credit scores
  • Track purchases and payments
  • Gain insights into spending behavior
• The card reports to a leading credit bureau, allowing users to build credit through responsible use.

5. Designed for Digital-First Experiences

• Application, approval, and card activation are instant and fully digital.
• The app encourages small, easy-to-repay purchases, helping users build healthy financial habits over time.

6. Mission-Driven Fintech Innovation

• CEO Ivan Arnaudov emphasized the company’s mission to reduce barriers and increase credit access for financially excluded individuals.
• The card aligns with broader goals of financial inclusion, credit literacy, and affordability in an era of rising borrowing costs.

With the launch of the Juzt Credit Card, Access Finance is taking a bold step toward solving the systemic problem of credit exclusion. By combining behavioral analytics with an intuitive, user-first design, the company empowers underserved consumers to build credit and financial confidence without the friction of traditional credit systems. As credit access tightens, solutions like Juzt offer a responsible, tech-enabled alternative.