On September 19th, 2007, launched the Philly D vlog channel on YouTube. Over the next nine years, the video gained over 5.2 million views and 2,900 comments. In a video uploaded in September 2010, DeFranco revealed that 70 of his earlier videos had been unlisted because he found them to be too "douchey." On July 30th, 2007, DeFranco uploaded an episode of The Philip DeFranco Show titled "Doda Elektroda has some huge….", in which he discusses Polish artist Dorota Rabczewska (shown below, right). The earliest public video uploaded to the channel was released on December 27th, in which DeFranco lists 10 ways to "get out of an argument" (shown below, left). *The representative sample included cred.ai users who started using cred-ai in June 2021 and were considered to be “thin file” or “new to credit,” meaning these users did not have significant credit histories except for student loans, medical debt, or home mortgages.On September 15th, 2006, DeFranco launched the Sxephil YouTube channel while attending East Carolina University. Increases or specific changes to a person’s credit score are not guaranteed. cred.ai cannot account for all variables in a person’s financial life or changes to reporting practices. ATM withdrawals are cash advances against the Unicorn Card credit card, and while they are subject to the interest rates and terms outlined in the Unicorn Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty.ĥBased on an August 2021 analysis performed by cred.ai analyzing Experian Vantage credit score changes, a representative sample* of cred-ai users observed a median credit score increase of 90 points.
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We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date.ĤYou can locate free ATM’s using the FREE ATM finder located in your cred.ai mobile app. Increases or specific changes to your credit score are not guaranteed.ģAccessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. Therefore, with the cred.ai Guaranty, you will never pay fees or interest on your cred.ai Deposit Account or Unicorn Card, guaranteed.Ģcred.ai cannot account for all variables in your financial life or changes to reporting practices. If the automated payment management fails for any reason, and you are charged interest or fees, under the “cred.ai Guaranty” found in the “cred.ai Services Amendment to the Deposit Agreement” that you agree to when you apply for cred.ai, cred.ai will cover that fee or interest charge on your behalf. However, the cred.ai service manages your Unicorn Card payments automatically in the background according to the rules of the Unicorn Card cardholder agreement, to ensure you avoid being charged fees or interest.
The Unicorn Card is able to help build credit because it is a real credit card with 17.76% APR on Purchases and 24.99% APR on Cash Advances. 1The cred.ai Deposit Account and cred.ai Services have absolutely no fees, and under the “cred.ai Guaranty” you will never pay fees or interest on your Unicorn Card.
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