> ## Documentation Index
> Fetch the complete documentation index at: https://help.trykarat.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Account review after late or returned payments

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

## 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.

## 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.

## 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

If you need to discuss repayment options or have questions about your payment status, contact our Repayments team at (323) 747-7086 or email [concierge@trykarat.com](mailto:concierge@trykarat.com).

Our team will notify you once a decision has been made.

*<sub>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. </sub>*