If your connected repayment account is overdrawn, then your repayment may bounce. If this happens, then your card balance will be considered unpaid, and your card will lock.

When you opt into automatic repayments, the funds will be automatically withdrawn from your linked repayment account for the prior day's spend at 12am CT. It will show as a debit on your linked repayment account.

Note that due to standard banking turnaround time, your payment transfer will likely settle in 3-5 business days. Once the repayment completes, your available spend will be reset to your full daily limit. While your payments are still settling, your available spend will be your credit limit minus all pending payments.

Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Blue Ridge Bank, N.A., and Thread Bank, Members FDIC. The Nav Visa® Business Debit Card is issued by Blue Ridge Bank, N.A., and the Nav Prime Charge Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. Your funds are FDIC-insured up to $250,000 through Blue Ridge Bank, N.A., Member FDIC.