Build credit with debit‪.‬

Thingy Thing Inc

Designed for iPhone

    • 4.5 • 3.5K Ratings
    • Free

iPhone Screenshots


Build credit history with debit.

Today, there are over 100 million Americans who don't want, or can't get a credit card. Yet there are very few alternatives for establishing your credit other than with a risky Credit Card. Our mission is to make credit building safer and more accessible for everyone. Extra is the first debit card that builds your credit history and earns rewards points just like a credit card.

What’s New

Version 0.7.368

What's new:
- Stability improvements

As always, please share your thoughts on all things Extra. We love hearing from you.

Keep it Extra.

Ratings and Reviews

4.5 out of 5
3.5K Ratings

3.5K Ratings

abs b. ,

i'm 19 and this is a great thing.

first of all, just wanna say they have the BEST support system i have ever had the experience of talking to based on a company. they really do make it so much easier. this really does help me out when building my credit. the app itself has a few bugs when it comes to the rewards page but the member concierge are absolutely helpful for getting anything fixed or even to check on anything. i love their support team. i'm young and this is all so confusing and new to me. credit scared me and the fact that credit is the basis of this economy to have a "nice" life, frustrated me. i'm an adult now and starting my life. i wish i had tried harder to understand it, but this Extra Card has already made me lose my doubt about screwing up and being in debt. i love this company, and this card. i would love this even more so if the spend power was closer to your actual account balance. having a bit of trouble managing all the bills i have that keep getting declined because my spend power is $2 less than a bill. ticks me off but that's just because i'm broke. 😭🤚🏽 all in all, this company and their mission really do fit with us not rich folks. that's more than i can say for a lot of these credit cards. thanks Extra.

89WMatty ,

Great concept, really works!

From the moment I read their business model, I knew this card would work. And it didn’t take long for me to realize that I was right. I’ve been using my Extra Card for only 3 weeks (app only, card is in mail), the first transaction report has already been filed and my credit has shot up 51 points! I understand the reasons to be skeptical, I considered them all before allowing Extra access to my bank account. But this is the real deal, guys. everything has been great so far. The app is easy to navigate, you’ll like the interface, everything is in big lettering, easy to understand and operate. SO SIMPLE. It sends little reminders for things like balance alerts, spend power increases, and, if you’re like me, accidentally leaving your card on FREEZE (another cool feature of the Extra Card is an on/off “freeze card” option found in the app), the support staff are very friendly and helpful, there is a messaging service in the app, it connects you to them pretty quickly and they work FAST to resolve any issue that may come up. If your goal is to build credit, give this a try. For me, I pretty much had nothing to lose, which means everything to gain! Thank you, Extra Card, you guys are great!

Avinash Chilaka ,

Best Option to Build your credit.

I have been using Extra Card for 2 months so far, they reported to my credit companies as my credit score went up almost 100 points, they way the card works is depending on the available balance in your checking account, they would change how much you can spend on a transaction. First they would give you a 100$ spend power and once we finish 5 daily bank transfers which I think is per transaction they would bump you up to a spend power of 300 and then to 500 and then to 800, after that they would give you a spend power of 80% of your checking account balance. If your checking account has a balance of 3000$ then your spend power on your extra card would be 2400$. They transfer money from your checking account after each transaction but it would take at least 3 days to complete that transfer and by the time they report it to the credit companies they it would always show as paid on time and are in good standards which helps building your credit score a lot.
They would charge you a subscription charge which is worthy to pay account to my usage so far.

App Privacy

The developer, Thingy Thing Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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