The family already backs each other. Now the credit line can too.
A parent who wants to help a 22-year-old start a file. Siblings who split a parent's medical bill. Cousins who pool for the wedding. Families have always been each other's credit; Squad Card is designed to make that visible to a bank without making anyone sign for anyone else's debt.
Free. No card needed, and joining never touches your credit. Early access is open; your squad saves your seat.
- A parent adds a child as an authorized user and hopes the issuer reports it.
- Someone cosigns a loan and becomes fully liable for the whole thing, with no control over the spending.
- Money moves hand to hand and none of it builds a credit history for anyone.
- 1Everyone gets a laneUp to four family members, each with a private lane sized to their own file and income. The 22-year-old's lane is small and real; it grows as they show they can use it.
- 2A family reservePart of the line is held back for the things you decide together. Drawing on it takes a vote; each approver takes a capped share, so nobody is surprised.
- 3Cover each other, on purposeIf one lane is short one month, another member can cover the payment so the account stays current. It is recorded, visible, and settled inside the squad.
| Squad Card | Cosigning for a family member | |
|---|---|---|
| Liability | Each member for their own lane; a capped share of the reserve if you vote for it | The cosigner for the full amount |
| Control | You see the squad's health and vote on reserve draws | None; the cosigner finds out when it is late |
| Building credit | Designed so each lane reports for its owner | Only the primary borrower's file is meant to benefit |
Check your Experian score free and start your squad today.
Join with a first name and an email. Confirm it, invite the people you trust, and see your Experian® VantageScore® 3.0 on your own Squad dashboard. Soft inquiry, no card, no cost.
- Free Experian score and report while you wait
- Your own invite link and QR code; every friend moves you up
- Squad Score estimate once two members verify
- Connect a bank through Plaid so income counts too
Questions people ask
Can I add my adult child to my squad?
Yes, any adult you trust can take a seat. Each member applies as an individual within the squad and gets their own lane.
Is this a way to give someone my credit limit?
No. A member's lane reflects their own file and the group's strength. Nobody spends on another member's lane, and nobody is liable for it.
What if a family member stops paying?
Their lane is frozen and settled. The squad may lose the reserve it voted to release for them, but no member inherits another member's balance.
Is Squad Card available now?
Not yet. Squad Card is on a waitlist while we finish the program with our issuing bank partner. Joining the waitlist saves your seat, lets you form your squad, and gives you a free Experian score and report while you wait.
Does joining the waitlist affect my credit?
No. Joining takes a first name and an email. If you choose to check your free Experian score, that is a soft inquiry you initiate yourself; it never appears to lenders and does not change your score.
What does it cost?
The waitlist and the free Experian score cost nothing and require no card. Card pricing, credit lines and terms will be published when the program launches and depend on approval by the issuing bank.