FAQ

OttoRewards pays the users credit card after every 15 day cycle. Once the 10 days is up, the manual pay option is I’ll turn green and the user can pay their bill.

Yes! Simply navigate to your “Payment” page and select the “Cancel Payment” button next to the initiated payment that you wish to cancel.

You will need to contact your credit institution to inquire about payment reversal.

Currently, the OttoRewards app is only offered within the United States.

In the user’s Settings Page, under Auto Debit Settings, the user has the ability to choose manual pay, or auto-debit. Ultimately, the user holds full responsibility if their checking account is overdrafted.

OttoRewards does not currently offer their own rewards system.  This app works as a third-party gateway to allow the user the convenience of gaining rewards on their rewards credit cards, without having to remember to pay them through the credit card establishments.  This may change in the future.  All user’s will be notified of any changes or updates.

Yes, if the user would like to minimize the number of cards they pay for, they can downgrade their subscription plan through the “My Subscription” page within the “more” tab. The user will ultimately choose which rewards credit card(s) to remain active for their downgraded plan. If the user chooses to downgrade, that will go into effect for the next monthly pay cycle.

OttoRewards does NOT guarantee the minimum monthly credit card payment will be made on the user’s credit card account.  If the user signs up for the Auto-debit Setting, all transactions will be paid within a 15 day window.  If the user does not make any transactions on that card during that window, nothing will be paid.  When the user signs up for the Manual Setting, there will be an option to pay the card’s monthly minimum, the full 15 days worth of transactions, or a set amount chosen by the user prior to payment.

• Not at the moment, However this feature will be available soon. To pay a specific amount, simply navigate to your “pay” tab and you will be able to enter a specific amount you’d like to pay.

No, the user’s credit will not be negatively affected by the credit score monitoring.  Our monitoring system utilizes FICO through MethodFi API, which will keep the user up to date on their credit score changes, and how their score is ranked.

Yes, the user may cancel their subscription at any time.  Cancellation of the app will occur through their in-app purchases on their cellular device. The user will find a "Cancel My Subscription “ option at the bottom of the My Subscription page. This will route the user to their in-app purchases. After the user has successfully canceled, they will have access to their account until the expiring day of that month.

No refunds will be given if the user cancels immediately after their monthly subscription fee.  The account will continue to remain active until the expiry date at the end of that month.

Yes, the user can change their subscription plan at any time.  The user can upgrade this plan through the “more” tab and then selecting “my subscription.”  If the user chooses to increase their plan, they will be automatically routed to in-app purchases to complete this transaction.  If the user chooses to downgrade, that will go into effect for the next monthly pay cycle.

Regardless of the plan chosen, the user’s checking account will be withdrawn one time in a 15 day window.  If the user signs up for additional cards after the initial onboarding, each ten day window may not align between all rewards credit cards added.

No, OttoRewards does not store any personal or secured banking information.  All secured data, including, but not limited to social security numbers, full credit card numbers, account/routing numbers, are stored through MethodFi API.