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Karat reports Karat Card payment activity to major U.S. credit bureaus, currently to Experian and Equifax, to help our customers build personal credit history. Karat reports Karat Card payment activity to major U.S. credit bureaus, currently Experian and Equifax, to help eligible cardholders build personal credit history. Responsible use of your Karat Card can help build positive credit over time. Paying your statement balance in full and on time each month is the most important factor in strengthening your credit profile. Maintaining consistent usage within your approved limit may also contribute to a stronger credit history. As you demonstrate reliable repayment behavior, this activity is reflected in the information reported to the credit bureaus. Late or missed payments may also be reported and could negatively impact your credit. Building strong credit can improve your access to financing, support eligibility for more favorable loan or credit terms, and enhance overall financial flexibility. A consistent payment history may also strengthen your credibility with lenders and financial institutions. Credit bureaus are responsible for maintaining and displaying your credit file. If you have questions about your credit report or score, you should contact Experian or Equifax directly. Reporting timelines may vary depending on bureau processing cycles. 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.