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How to downgrade from Plus to Base, step by step

How to downgrade from Plus to Base, step by step

Before scheduling the downgrade, two requirements must be met: 1) Close all Pockets (Accounts & Cards → select each Pocket → close it). 2) Cancel your credit card if you have an active one (contact Customer Service; any outstanding balance must be paid off before closing). Once both steps are done, the "Downgrade to Base" button becomes active: 1) Go to Profile. 2) Tap Membership. 3) Tap "Downgrade to Base". 4) Confirm. The downgrade is not immediate: it's scheduled for the end of your 30-day billing cycle. Until then you remain on Plus. While pending, you can't request a new credit card, a new debit card, or create Pockets; to do so, you must first cancel the downgrade from the same Membership screen. At the end of the cycle, the debit card (digital and physical) is frozen and your account moves to Base.

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The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured.


The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Majority Payment Services LLC (NMLS # 1991596) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, phone 888-784-0136.


Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/


The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.


*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.


**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

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