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Accounts that experience late or returned payments may be placed into a standard account review process.

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What this means

During a review:
  • Your Karat Card may remain paused
  • Your credit line may be temporarily restricted
  • Certain account features may be limited
Reviews help us assess account status and determine next steps.

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Review outcomes

Once the review is complete, your account may:
  • Be restored to active status
  • Remain restricted
  • Require additional action before reactivation
  • Be closed in certain circumstances
We are unable to confirm the outcome of a review until it has been completed.

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What you can do

To help expedite the process:
  • Resolve any outstanding balance
  • Ensure your linked bank account is active and funded
  • Respond promptly to any information requests from our team
Our team will notify you once a decision has been made. Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.