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Our Customer Care team can be reached from 9:00 a.m. to 9:00 p.m. ET from Monday to Friday.

Get in touch by giving us a call at 833-923-7336 or sending an email to help@seen.com. We look forward to hearing from you!

First of all, welcome! We're very excited you're here. The application process is quick and easy. To get started, use the unique six-digit offer code enclosed in your email invitation or mail offer to unlock your application. You'll need to provide your full name, residential address, date of birth, Social Security number, income, and expenses to complete the application.

Whether you have received a prescreened offer from us or have been prequalified through Seen.com, completing your application can happen in minutes. If you received a prescreened offer from us, use the unique six-digit offer code enclosed in your email invitation or mail offer to unlock your application.

If you are approved for an account, we are required by various state and federal laws to maintain and retain your account information, including your personal information. We will maintain that account and personal information as long as necessary to comply with legal requirements. You may have a right to have the personal information we have collected about you deleted under state law or under specific circumstances. If you'd like to request that we delete your personal information, please email help@seen.com with "Delete personal data" as the subject line. If we are unable to honor your request, we will inform you of the reasons why. For more information on how we handle your personal information, visit Privacy Notice.

If you're approved for an unsecured Seen Mastercard® account, you'll have immediate access to your credit limit through a temporary digital card available in your Seen Mobile app under "Cards." You can use your digital card to make online and in-store purchases by providing your card details and billing information at checkout. Temporary digital cards are not available with the Seen Secured Mastercard®.

Update your address and email address in the Seen Mobile app. However, if you would like to update your name, you will need to contact our Customer Care team. Give us a call at 833-923-7336 or send a message to help@seen.com.

Your billing cycle is the time period used to track the transactions on your account and calculate your minimum payment due based on those transactions. Generally, your billing cycles are at least 26-day periods, although your first billing cycle may be longer or shorter than 26 days. Your payment due date will be the same day each month and is reflected on each monthly periodic statement you receive.

If you notice any unauthorized charges on your account, please contact us as soon as possible at 833-923-7336 or send an email to help@seen.com. If you have a Seen Mastercard® account, you can also lock your card in the Seen Mobile app under "Cards" to proactively prevent further unauthorized use.

No. Seen does not offer business accounts at this time.

• Digital card – For the unsecured Seen Mastercard®, your digital card is available for use as soon as you're approved. Find your digital card details under "Cards" in your Seen Mobile app. Temporary digital cards are not available with the Seen Secured Mastercard®.
• Autopay – Scheduling your monthly payments is a breeze with autopay. Set the amount and the date you would like your payment to be made every month and never miss another payment. Autopay is optional and not required to obtain or maintain credit. Set up autopay under Payments in your Seen Mobile app.
• Plaid – Payments can be made electronically through a linked U.S. bank account in U.S. dollars. We use Plaid to connect to more than 12,000 U.S. financial institutions. Plaid authenticates your financial information and transfers sensitive information securely. Link your U.S. bank account under "Payments" in your Seen Mobile app. For information about how Plaid handles your personal information, visit Plaid.
• Card lock – If you think your Seen Mastercard® is misplaced, lost, or stolen, lock your card with a single tap in the Seen Mobile app. Find "Card Lock" under "Cards" in your Seen Mobile app to lock your account from further use.
• Real-time alerts – Turn on instant push notifications to stay on top of your account activity.
• For you – Discover a personalized dashboard of recommendations on your Seen Mobile app home page.

Here's how to update your address:

1. Log in to your account with your Seen account credentials.
2. Tap on the black hexagon (⬡) on the upper left part of your app screen to access your "Profile" menu.
3. In the "Profile" menu, tap on "Personal Information."
4. Under your profile information, locate and tap "Edit Address." You have two options:
   • Search for your residential address using the search function.
   • Enter your U.S. address manually by providing the necessary details.
5. After entering or selecting your new address, review it to ensure accuracy, then tap "Save."
6. After seeing the success message, tap "Done" to return to the personal information menu.

Here's how to update your email address:

1. Log in to your account with your Seen account credentials.
2. Tap on the black hexagon (⬡) on the upper left part of your app screen to access your "Profile" menu.
3. In the "Profile" menu, tap on "Personal Information."
4. Under your profile information, locate and tap "Edit Email."
5. Enter your new email address and tap "Next."
6. A 6-digit verification code will be sent to your current registered email address. Enter this code and tap "Next."
7. Another 6-digit code will be sent to your new email address. Enter this code to verify and tap "Next."
8. After seeing the success message, tap "Done" to return to the personal information menu.

Here's how to change your password in the Seen Mobile app:

1. Log in to your account with your Seen account credentials.
2. Tap on the black hexagon (⬡) on the upper left part of your app screen to access your "Profile" menu.
3. In the "Profile" menu, tap "Change password."
4. Enter your current password for verification and tap "Next."
5. Enter your new password. Your new password must be at least 12 characters long and contain at least one number.
6. Tap "Confirm." After seeing the success message, tap "Done" to return to the personal information menu.

To lock your Seen Mastercard®, navigate to "Cards" and tap the toggle next to "Card is active." The status will change to "Card is locked". To unlock, simply tap the toggle again.

Please note that pre-existing subscriptions or transactions where the card is already on file will continue to process even when the card is locked.

If you have been approved for a Seen Mastercard®, your physical credit card will be delivered in 5 to 7 business days. If you have been approved for a Seen Secured Mastercard®, your physical credit card will be delivered in 5 to 7 business days from the date your security deposit is successfully made.

If 14 business days have passed and you still haven't received your physical credit card, you can report it as lost or stolen in the Seen Mobile app. Alternatively, you can call our Customer Care team to check on the card's shipment status and request a reissue if necessary.

You will get access to your digital credit card if you're approved for an unsecured Seen Mastercard®. Once you receive and activate your physical credit card, your digital credit card will automatically deactivate.

Please note, your digital and physical credit cards will have the same card number but will have different CVC (3-digit security) codes and expiration dates. Please also note that subscriptions and digital wallets will automatically update to the new physical credit card information. Temporary digital credit cards are not available with the Seen Secured Mastercard®.

Log in to the Seen Mobile app and go to "Cards," then tap "Card Settings." Select "Report my card as lost or stolen." Be sure to review your transaction history and call us at 833-723-9336 to report any unauthorized transactions.

Review and update your address if necessary and select standard delivery for your replacement credit card. After you've completed these steps, your lost or stolen physical credit card will be canceled. You will be able to use your account again only after you receive and activate your new physical credit card. Please note, you will not receive a new digital credit card during this process.

Unfortunately, we do not currently offer an option to expedite the delivery of physical credit cards.

Start by downloading the Seen Mobile app from your preferred app store (Apple App Store or Google Play Store). After installation, log in with the credentials you created during your application. Navigate to the "Cards" section and tap on "Activate card." Follow the prompts to enter your card's CVC to activate your physical credit card.

If you experience a declined transaction, first check your available credit in the Seen Mobile app to ensure you have sufficient available credit. If your available credit is sufficient for the transaction but your card is still being declined, please contact our Customer Care team immediately at 833-923-7336 for further assistance.

If your Seen Mastercard® is damaged, you can easily request a replacement through the Seen Mobile app. Go to "Cards." Tap "Card Settings." Then select "Report my card as lost or stolen."

Review and, if necessary, update your address and select standard delivery. After doing so, your lost or stolen physical credit card will be canceled. You will be able to use your Seen Mastercard® again only after you receive and activate your new physical credit card. Please note, you will not receive a new digital credit card during this process.

Alternatively, you can reach out to our Customer Care team at 833-923-7336 for assistance with getting a replacement credit card issued.

No. Unfortunately, cash advance features are not currently available.

Yes. Your Seen Mastercard® is ready for international use without any additional activation required.

We review unsecured Seen Mastercard® accounts for credit increases automatically. We do not currently accept requests to increase credit limits. To become eligible for consideration for a credit limit increase, you need to have qualifying purchase activity on your account and, at a minimum, successfully make at least your minimum monthly payment on time for five consecutive billing cycles, not have exceeded your credit limit, and not have any past due amounts.

No. A credit limit increase is not guaranteed, even if you make five consecutive on-time payments, are not over the limit, and have no past due amounts. Successfully completing five consecutive minimum monthly payments is the first step in demonstrating responsible account use. After that, we will assess your ability to pay and manage your financial accounts for a possible credit limit increase, as required by law.

Please note that if your account is under a fraud-related review, we will only evaluate you for an increase after the review is completed.

You can lose your progress if:

• You miss making the required minimum payment in any billing cycle. If that occurs, your consecutive minimum payment counter will restart.
• You have no purchases over $1 or no minimum payment due for any six consecutive month period. If six consecutive billing cycles pass without qualifying activity, your payment streak counter will also reset.

Multiple payments in the same billing cycle that meet the minimum payment due for that billing cycle will be honored as one payment towards the required five consecutive payments for eligibility. But multiple payments made in the same billing cycle which exceed the minimum amount due for the billing cycle will not count as more than one payment toward the consecutive five monthly minimum payments needed to be eligible for consideration for a credit limit increase.

If you are not eligible for a credit limit increase but have made five consecutive on-time minimum monthly payments, you will not lose your progress, provided you continue making payments, don't exceed your existing credit limit, or don't become past due. Your account will continue to be automatically reviewed every month for eligibility when these conditions are met.

We regularly and automatically review all unsecured Seen Mastercard® accounts for credit limit increase eligibility. We do not currently accept consumer-initiated requests for a credit limit increase. You may become eligible for another credit limit increase in as little as every five months.

Simple. Use your Seen Cashback Plus Mastercard® to make everyday purchases of merchandise, groceries, gas, and other expenses (each an "Eligible Purchase"). Then make at least your monthly minimum payment each month toward those purchases. You will earn cash back in the form of a statement credit each time you make a payment applied to those purchases (an "Eligible Payment") on your account. The more you pay toward your purchases each month, the more cash-back rewards you earn. Terms and conditions apply. See Rewards Terms for additional details.

Seen calculates your cash-back rewards by applying the payments you make on your account against the purchases you have made. Payments applied to interest and fees do not earn cashback rewards. For example, if you make a $50 purchase with your Seen Cashback Plus Mastercard®, there are no unpaid interest charges or fees on your account, and you make a $25 payment applied to that purchase, you will earn either 1% or 2% cash back, whichever rate is applicable to your account, on that payment ($50 purchase - $25 payment x .01% or .02% = $0.25 or $0.50, respectively). Your accumulated cash-back rewards are automatically applied to your outstanding balance, if any, each month. Terms and conditions apply. See Rewards Terms for additional details.

Your cash-back rewards may not be redeemed for merchandise, applied toward the purchase of merchandise, or withdrawn as cash. Your cash-back rewards will be automatically applied to your account as a statement credit each month you have an outstanding balance. Your monthly statement will identify any statement credit automatically redeemed on your account as a "Cashback Rewards Redemption" in the itemized Payments, Refunds, and Other Credits section of your periodic statement. Terms and conditions apply. See Rewards Terms for additional details.

Once you've made your first payment, automatically redeemed statement credits earned from your cash-back rewards will generally be reflected in your next monthly statement, depending on when your billing cycle ends and when your statement credit is applied to your account. Terms and conditions apply. See Rewards Terms for additional details.

No. Your cash-back rewards do not expire. Terms and conditions apply. See Rewards Terms for additional details.

Don't worry. Any earned cash-back rewards balance not redeemed as a statement credit will remain on your account and be applied when you do have an account balance. Terms and conditions apply. See Rewards Terms for additional details.

No. There is no limit on how much you can earn in cash-back rewards. The more you spend and pay off, the more you earn. Terms and conditions apply. See Rewards Terms for additional details.

Unfortunately, not at this time.

Seen™ Credit Protection is an optional product that may help cover the monthly minimum payment due, or in some instances, pay off the balance due, on your Seen Mastercard® if you experience an "Eligible Event."

• Involuntary unemployment
• Disability
• Loss of life (death)
• Hospitalization
• Auto-service expense
• Medical expense
• Natural disaster

Eligibility conditions and benefit limitations apply. See the Terms and Conditions for complete details.

If an Eligible Event occurs and you are enrolled in Seen™ Credit Protection, you may file a claim for benefits. If approved, the minimum payment due or the balance owed, as applicable, as of the benefit approval date will be paid.

Benefits can be requested by calling credit protection customer service at 866-846-8247.

Yes. A monthly fee for Seen™ Credit Protection will be charged for each month you have a balance, calculated at the rate of 1.69% per $100 ($1.69 per $100) of that balance. If your balance is $0, there will be no fee for Seen™ Credit Protection charged for that month.

Yes. You can cancel your enrollment in Seen™ Credit Protection by calling credit protection customer service at 866-846-8247. If you cancel within 30 days of your initial enrollment, you will receive a full refund.

Credit Score Monitoring lets you view your VantageScore® 3.0, provided by Experian, directly in the Seen Mobile app. Each month, you'll get:

• Your most recent VantageScore® and the date it was updated
• How your VantageScore® has changed since last month
• Your VantageScore® total progress since you joined Seen
• A simple graph of your last six months of VantageScores®
• The top positive and negative factors influencing your VantageScore® each month, so you can see which aspects of your credit profile had the biggest impact

Your VantageScore® is refreshed once a month, typically around the 27th of each month. Sometimes it may take a few extra days for the new VantageScore® to appear in the Seen Mobile app.

No. Viewing your VantageScore® in the Seen Mobile app has no impact on your credit. Seen uses a "soft pull" to retrieve your score, which is free and does not affect your credit in any way.

Seen displays your VantageScore® 3.0 provided by Experian. This score ranges from 300 to 850 and is designed to help you understand your credit health.

Credit scores can differ because:

• Lenders may use different scoring models (VantageScore® vs. FICO®).
• Each credit bureau (Experian, Equifax, TransUnion) may have slightly different data about your accounts.
• Your credit file changes over time, so scores can vary even from day to day.

Your VantageScore® may not be available if:

• Your Seen account is less than 30 days old.
• Experian hasn't yet returned your report for the month.

If you don't see your VantageScore® within two months of joining Seen, please email Seen Customer Care at help@seen.com so we can help.

Yes. You can opt out of Credit Score Monitoring at any time in the Seen Mobile app, directly from the Credit Score Monitoring page.

For a free annual credit report from all three bureaus, visit AnnualCreditReport.com.

If you are approved, you will receive your Seen Secured Mastercard® within five to seven business days after your security deposit has cleared your bank, which may take up to seven calendar days to process.

The Seen Secured Mastercard® is fully secured. Your credit limit will be equivalent to the amount of the security deposit you make. The maximum credit limit available with a matching security deposit is $1,000.

If you close your account and you have no outstanding balance, your full security deposit will be returned to you. If you have an outstanding balance, we will apply your security deposit to that outstanding balance and return any remaining amount to you. You will remain responsible for any outstanding balances not covered by your security deposit. It may take up to 60 days to process the return of your security deposit.

Yes. We will periodically review Seen Secured Mastercard® accounts to determine if they are eligible to graduate to an unsecured Seen Mastercard®. If we determine you are eligible to graduate to an unsecured Seen Mastercard®, we will return your security deposit to you.

No. Credit limit increases are not available on the Seen Secured Mastercard®. Your credit limit is established when your account is opened and will be equal to the amount of your security deposit. We will not accept subsequent security deposits to increase your credit limit.

Yes. With the Seen Secured Card, you can earn 1% cash back as you repay the purchases (each an "Eligible Purchase") you make with your account. Terms and conditions apply. See Rewards Terms for additional details.

The Seen Credit Account is designed to help you establish or improve your credit profile with on-time payments and responsible account use.¹ There are no credit checks, no interest, and no hidden fees.²

Monthly payments as low as $5 are financed through a dedicated $1,500 line of credit to the Seen Store. The first payment is made after your account opening. You will make an initial purchase of a 12-month plan for $60 financed through your Seen Credit Account. Your plan purchase grants you access to the Seen Store where you can make additional purchases with your account. You are required to make monthly minimum payments of $5 or 2% of your outstanding balance, whichever is greater. If your balance is less than $5, you will be required to pay your entire balance for that month. Your first monthly minimum payment of $5 will be made at the time you open your account. You may repay your full outstanding balance at any time.

We report your payment history and account details to national credit bureaus. With responsible use and on-time payments, you can establish and grow credit.¹

Your account is reported to national credit bureaus as:

• Account Type: Charge Account
• Portfolio Type: Revolving
• Terms Frequency: Monthly

Each month you make your minimum payment on time, that positive payment activity is reported to national credit bureaus. Consistent, on-time minimum payments over time can help build or rebuild your credit profile.¹

The Seen Credit Account is currently only available to consumers in: Arizona, Arkansas, Connecticut, Hawaii, Illinois, Iowa, Massachusetts, Nebraska, New Jersey, Ohio, Oregon, Pennsylvania, Rhode Island, Washington, West Virginia, and Wisconsin. We will be expanding availability soon. Check back for updates.

Your plan purchase includes access to our digital bookstore where you can make additional purchases with your Seen Credit Account. With your first ebook purchase, you can return to get a second ebook free. The ebooks you purchase with your Seen Credit Account may be printed, downloaded, or accessed anytime in your digital library in the Seen Mobile App, even if you choose to close your Account.

Your initial plan purchase and all subsequent purchases through the Seen Store will be charged to your Seen Credit Account and reduce the amount of credit available. You can make the monthly minimum payments towards your outstanding balance or pay off your balance in full at any time. The payments on your Seen Credit Account will be reported to national credit bureaus. As you repay your purchases, your available credit will be refreshed permitting you to make additional purchases from the Seen Store.

The Seen Credit Account is a revolving line of credit similar to a credit card, but no physical or digital credit card is issued and it may not be used for general purposes, such as to purchase groceries, gas, or merchandise at brick-and-mortar or online retailers. It is a dedicated revolving line of credit which may only be used to purchase merchandise from the Seen Store.

As low as $5 per month. When you open a Seen Credit Account, an initial 12-month plan purchase of $60 is debited from your available credit limit. You will then make an initial monthly minimum payment of at least $5 after account opening and each month thereafter to repay that first $60 plan purchase over the next 12 months. Minimum monthly payments of $5 or 2% of your outstanding balance, whichever is greater, are required each month you carry a balance. Additional purchases may increase your required minimum monthly payment. You may cancel your account anytime or extend your account every 12 months with subsequent plan purchases of $60. There are:

• No annual fees
• No interest (0% APR)
• No late fees

You are required to make at least your minimum payment due each month if you have an outstanding balance, regardless of whether your account remains open or is closed.

Missed payments in any billing cycle where you carry an outstanding balance will be reported to the credit bureaus and may negatively impact your credit score. We report missed payments when they become 30 days or more past due.

If you miss a minimum payment:

• You may receive payment reminders
• Your next required minimum monthly payment may increase due to past-due amounts
• Your account may be reported as delinquent to the credit bureaus
• If your account reaches 60 days past due, your account will be closed

To avoid negative credit reporting, it's important to make at least your required minimum payment every month.

Your initial plan purchase of $60 is for a 12-month period. Unless you elect to opt-out at account opening or prior to your renewal date, your plan will automatically renew every 12 months.

If auto-renew is active: You will be charged $60 to renew your plan each year on your auto-renewal date. You can view your auto-renew date in the Seen Mobile app.

If auto-renew is off: Your plan will automatically terminate at the end of the 12-month term and your account will be closed to further purchases through the Seen Store. If there is an outstanding balance remaining at the time the account is closed, you will remain responsible for making minimum monthly payments until paid in full. We will continue to report your account, including any applicable payment activity, to national credit bureaus.

You will not be able to reopen the same account after it has been closed and will need to apply for a new Seen Credit Account if you want to maintain an account. You can manage auto-renewal in the Seen Mobile app.

If you close your account early:

• Your account is reported to national credit bureaus as closed.
• If you prepaid for future months, you may receive a refund for unused months, consistent with your agreement terms.

We report to national credit bureaus within as little as 15 days after account opening.

Yes. You may pay more than your required minimum monthly payment, up to your total outstanding balance owed, at any time. We will reject payments that will create a credit balance owed to you on your account. There is never a penalty for prepayment.

Seen partners with Coastal Community Bank for the Seen Mastercard® program. The Seen Mastercard® is issued by Coastal Community Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated.

We generally report your account to nationwide credit bureaus each month. Your credit report will generally be updated to reflect your Seen account within 30 days after your first periodic statement is generated. When we report your Seen account, we will report the details of your account including your credit utilization, outstanding balance, payment history, and credit limit. This information will typically be depicted in your credit report one month in arrears. For example, your July credit report would represent your account activity through June. There may be months where your Seen account is not reported at all.

You can obtain your credit report from the following websites:

• TransUnion
• Equifax
• Experian
• Annual Credit Report (free reports available once every 12 months)

Two-factor authentication (2FA) is a security measure that requires two verification steps when you attempt to sign in from a new device. To uphold the highest level of security and protect you from potential fraud, 2FA is employed during the registration process and while signing in from new devices.

If you encounter any issues, contact our Customer Care team at 833-923-7336.

By default, you'll receive your monthly periodic statements via email. If you prefer to receive statements via both U.S. mail and email, you can request this option by calling our Customer Care team at 833-923-7336. If you choose to receive statements via U.S. mail, please make sure to review and confirm your mailing address to ensure uninterrupted delivery.