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Frequently Asked Questions The Card What is Tomo card? Will applying affect my credit score? What type of card is Tomo? How do I activate my card? Why should I use Tomo instead of my debit card? Where can I use my card? See all 23 articles Application Questions Pending Application I'm getting an error! I’m not a U.S. citizen, can I still sign up? Credit Building Starts Here. No Credit History Required. Apply in Minutes! Enjoy Benefits & Coverage Valued at $1,300+. Build / Grow Credit with TomoCredit. How does Tomo help build my credit score? TomoCredit's smart payments help you make payments on time, every time. Keep your balances low (and your credit utilization healthy!) with Weekly Autopay. Sustained on-time payments and low credit utilization can help build your credit score over time. Have more questions? Submit a request Looks like you need to re-link one or more of your accounts. Please go to settings, manage payment methods, and re-link the required accounts. Have questions about Tomo credit card? View some of our most frequently asked questions. Our cardholders can use their cards online and with millions of merchants across 200 countries where MasterCard is accepted. Build your credit score. Through consistent on-time payments, your credit score will grow. Tomo has set up an optional 7 day pay to maximize this cycle and increase the rate in which your credit score can improve. Here at Tomo, we know you are worth more than just a credit score. That’s why we created a solution to tackle the flaws of the everyday credit card. You can apply to Tomo without a credit score or prior credit history. How does Tomo help build my credit score? How long do payments take to settle? Black Card How long does it take to get my card? Credit Bureaus Cash Advances and ATM Withdrawals How does Autopay work and what is the schedule? When do I receive my statements? What are the payment terms? Can I carry a balance? Monthly Payments? Build credit fast. Boost your credit with your payment history Dispute negative remarks Gain an in-depth understanding of credit.and much more.