To pay down your Truecard balance, you have a few options. You can choose to pay manually, set up an automatic payment, or you can enable SmartPay:

Pay manually

This enables you to select any amount you like, whenever you want to pay. Simply go to your Truecard dashboard and click "Make a Payment" underneath your current balance. You can then choose an amount to pay: the minimum balance, the statement balance, your entire current balance, or a custom amount.

Set up an automatic payment, AKA “Autopay”

This option will make one payment amount of your choosing per month. This can be the current balance, the statement balance, the minimum payment, or a custom amount. You can also choose which date to pay this amount.

Enable SmartPay

This is a Truecard feature that helps you grow your credit by automatically paying down your balance regularly and on-time, helping you avoid accruing interest—one of the biggest contributors to credit card debt. You set the payment rules, and SmartPay does the rest, attempting to pay down in small bites over time, instead of one big chunk at the end of the month.


Truecard is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

Truecard is exclusive to Rocket Money Premium subscribers.


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