Access Finance Enters U.S. Market with Launch of Juzt Credit Card

We are excited to announce the introduction of the Juzt Credit Card designed to increase access to credit for consumers with poor or no credit history and to provide a pathway to building credit while lowering the costs for these at-risk consumers. The card will be issued by The Bank of Missouri and powered by technology from Taktile, a next generation risk decision engine.

“Americans are experiencing a quiet credit crisis - many cannot access a credit card due to poor or non-existent credit history, obtaining credit is growing more difficult and credit card costs are on the rise”, said Ivan Arnaudov, CEO at Access Finance Inc. “The Juzt Credit Card was created for these consumers to provide access to credit and digital tools that enable them to improve their overall financial health.”

The Juzt Credit Card is an unsecured, digital credit card designed specifically for consumers with credit scores below 600 or just starting their credit journey.  There is no security deposit required. The Juzt Credit Card’s fully digital process enables consumers to apply, receive approval and begin using the card and its tools instantly. Backed by Mastercard, the Juzt Credit Card is compatible with Apple Pay and Google Pay and can be used globally.

We use alternative data, machine learning systems, and dynamic behavioral scoring to evaluate applicants. Individuals who maintain a low debt-to-income ratio (DTI) and who consistently make timely payments on existing obligations (such as utility bills, rent, or other loans) are more likely to be approved. Initial credit limits may start customers with low, manageable credit limits – as low as $400 to keep them on a path to success.

The Juzt Credit Card provides an easy-to-use dashboard with tools for monitoring credit scores, tracking purchases and payments, and learning insights into personal spending activity. Consumers are encouraged to use the Juzt card for small purchases that are easy to pay off, building credit along the way while developing good personal finance habits. The Juzt app reports customers’ credit history to a leading  credit bureau  which can help establish positive credit history based on responsible use of the Juzt Credit Card.