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  "sourcesContent": ["import{jsx as e,jsxs as o}from\"react/jsx-runtime\";import{Link as t}from\"framer\";import{motion as n}from\"framer-motion\";import*as a from\"react\";export const richText=/*#__PURE__*/o(a.Fragment,{children:[/*#__PURE__*/o(\"p\",{children:[\"If you\u2019re in college and want to build your credit score, you\u2019ve typically only had one option: credit cards. Credit cards aren\u2019t usually geared towards the needs of students. Even so-called \u201C\",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/why-regular-student-credit-cards-dont-stack-up-against-fizz\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"student credit cards\"})}),\"\u201D are really just normal credit cards with a student-focused marketing pitch. They still have confusing terms and conditions that encourage you to overspend, go into debt, and pay fees and interest. They aren\u2019t designed to help you get ahead.\"]}),/*#__PURE__*/o(\"p\",{children:[\"Fizz, on the other hand, puts students first. We want you to be able to build credit and \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/why-fizz-makes-budgeting-easier\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"learn to manage your finances without the downsides\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"With a Fizz card, you won\u2019t have to worry about confusing terms and conditions. We don\u2019t charge hidden fees, and we don\u2019t have interest rates \u2013 all you owe is a membership fee. Instead of giving you an arbitrarily high credit limit, we connect to your bank account to keep you from spending more than you have. And with features like daily Autopay and SafeFreeze, it\u2019s easy to stay on top of your spending and your budgeting. Plus, you\u2019ll be able to earn up cash back at merchants you know and love around campus and online. Sounds pretty great, right? Let\u2019s take a closer look at how Fizz differs from a credit card - and why it\u2019s the superior choice every time.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"The nuts and bolts of a credit card\"})}),/*#__PURE__*/o(\"p\",{children:[\"First things first, \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/why-denied-student-credit-card\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"getting approved for a credit card as a college student can be a huge headache\"})}),\". Even if you have the money to pay your bills, a credit card will likely be one of your first lines of credit. Since you may not have much a credit profile to show that you\u2019re trustworthy, you\u2019ll probably end up dealing with multiple credit card application denials before you can even get a card.\"]}),/*#__PURE__*/e(\"p\",{children:\"Once you finally get a credit card, there\u2019s still plenty to be wary of. Credit cards are essentially a loan. When you open a credit card, the credit card company gives you a maximum amount you can spend before you need to pay them back. Usually this amount is pretty high - which can encourage overspending. This process repeats for as long as you have the card.\"}),/*#__PURE__*/e(\"p\",{children:\"Now - after you\u2019ve used your credit card and made purchases all month long, the credit card company sends you a bill. From here, a few things can happen. You can pay off all your purchases, you can make just the minimum payment, or you can forget to pay at all.\"}),/*#__PURE__*/o(\"p\",{children:[\"If you forget to pay at all, you get a missed payment on your credit report, you have to pay a fee, and your \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/no-really-what-is-a-credit-score\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"credit score\"})}),\" can suffer \",/*#__PURE__*/e(\"strong\",{children:\"a lot.\"}),\" If you pay off all your purchases, then you\u2019re in good shape all around. But if you\u2019re not clear on what to pay, or if you end up spending more than you have in your bank account, you might end up just making the minimum payment.\"]}),/*#__PURE__*/o(\"p\",{children:[\"Making the minimum payment is, for lack of a better phrase, how they get you. If you make the minimum payment every month, you won\u2019t get a missed payment on your credit report. But the amount you don\u2019t pay back will \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/what-is-apr-avoid-interest-with-fizz\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"end up accruing interest\"})}),\" - at super high rates, usually well above 20% annually. This can leave you saddled with thousands of dollars in credit card debt. Credit card companies make tons of money off of this scheme, and they make it super easy for you to fall into their trap.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Why Fizz is superior\"})}),/*#__PURE__*/e(\"p\",{children:\"First off, Fizz doesn\u2019t check your credit. We want Fizz to be available to everyone - especially if you\u2019re just getting started. That means you won\u2019t have to stress about the approval process when you sign up for Fizz.\"}),/*#__PURE__*/o(\"p\",{children:[\"When you get a Fizz card, you won\u2019t have to worry about any of the drawbacks of a normal credit card. \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/how-the-fizz-card-works\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Fizz works\"})}),\" by connecting to your existing bank account. We see how much you have available and we won\u2019t let you spend more than that. No more worrying about overspending all month long.\"]}),/*#__PURE__*/o(\"p\",{children:[\"Fizz also has a daily Autopay feature that we recommend for all cardholders. With daily Autopay, your Fizz card will operate on a daily repayment cycle. Your purchases every day are covered using your line of credit, and then they\u2019re paid off every day at the end of the day from your connected bank account so that you\u2019re starting each day fresh - \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/what-is-credit-card-debt\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"with $0 in debt\"})}),\".\"]}),/*#__PURE__*/o(\"p\",{children:[\"To top things off, Fizz also has a feature called SafeFreeze. If for some reason you miss a daily payment or if for some reason Autopay glitches \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/avoid-late-payments-make-no-payments\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"we\u2019ll let you know\"})}),\" and we\u2019ll lock your card to keep you from spending until you make a payment.\"]}),/*#__PURE__*/e(\"p\",{children:\"Even if you miss a payment, you\u2019ll have at least 45 days to make the payment before we report anything to the credit bureaus, and we won\u2019t charge you any interest or hidden fees. Fizz can take care of things for you, and you can build credit without even having to think about it.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"The icing on the cake\"})}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve covered how Fizz is different (and better) than a normal credit card when it comes to how it actually works. But what about when it comes to rewards - one of the biggest reasons to get a credit card in the first place?\"}),/*#__PURE__*/e(\"p\",{children:\"Most student credit cards offer pretty mediocre rewards - if they offer them at all. They might be in the range of 0.5% to 1% cash back on certain purchases. Fizz does things a little differently. Instead of offering low cash back across the board, we partner with brands that students know, use, and love, offering up to 15% cash back on certain purchases and at certain merchants. We also partner with popular spots on campus so you can earn rewards whether you\u2019re shopping online or running out to grab a coffee.\"}),/*#__PURE__*/e(\"h2\",{children:\"The bottom line\"}),/*#__PURE__*/o(\"p\",{children:[\"All told, the Fizz card beats out normal credit cards in literally every category. The Fizz card has no \",/*#__PURE__*/e(t,{href:\"https://www.joinfizz.com/blog/what-is-apr-avoid-interest-with-fizz\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"interest rates or hidden fees\"})}),\", helps prevent you from overspending, builds your credit score, and earns you rewards at places you actually care about. Our daily Autopay and SafeFreeze features as well as our personal finance resources make it easy to build a solid financial foundation.\"]}),/*#__PURE__*/o(\"p\",{children:[\"It\u2019s easy to sign up and get started with Fizz. So what are you waiting for? \",/*#__PURE__*/e(t,{href:\"https://apps.apple.com/app/apple-store/id1629069157?pt=123377490&ct=why-is-fizz-better-than-a-cred&mt=8\",motionChild:!0,nodeId:\"AboRF4XnR\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(n.a,{children:\"Download the Fizz app\"})}),\" today!\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"*This communication is for informational purposes only and should not be considered financial advice.*\"})})]});export const richText1=/*#__PURE__*/o(a.Fragment,{children:[/*#__PURE__*/o(\"p\",{children:[\"Beyond using Fizz's in-app budgeting tool, creating a budget is easier than you might think, \",/*#__PURE__*/e(\"strong\",{children:\"and you don\u2019t even need to put pen to paper to get started\"}),\". Even basic reflection about your financial situation allows you to make the most of your money, prioritize your spending, and make sure you\u2019re not in a position where you don\u2019t have enough money left to make ends meet before your next payday. Here are some tips to help you get started.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Stay on top of your disposable income\"}),/*#__PURE__*/e(\"p\",{children:\"If you only have $500 available to you before your next payday, make sure you know that. It\u2019s ok to include savings, side hustle income, or money you get from your parents - just make sure you know what your number is on a regular basis. Fizz\u2019s daily Autopay feature makes this easy, as you won\u2019t be building up a balance that you have to pay off later like you would with a credit card.\"}),/*#__PURE__*/e(\"h3\",{children:\"Remember the constants\"}),/*#__PURE__*/e(\"p\",{children:\"Every month, there are expenses that don\u2019t change. Rent, subscriptions, and utilities typically fall into this category. Similarly, stay on top of your income. If you work a part time job with set hours, odds are you know when you get paid and how much you get paid. This is an easy way to keep track of your money. If you know you get paid $300 on the last day of every month but you also have to pay $150 in rent and subscriptions, it\u2019s easy to wrap your head around the fact that you\u2019ll have $150 in net income coming in at the end of the month.\"}),/*#__PURE__*/e(\"h3\",{children:\"Keep an eye on your excess spending\"}),/*#__PURE__*/e(\"p\",{children:\"We all have wants. Whether it\u2019s drinks at the bar, movie tickets, or new clothes, we should all be able to spend money on things that we want. Just make sure that you\u2019re not overdoing it. Too many people close their eyes while they hit the \u201Cpurchase\u201D button. Don\u2019t feel bad about buying that pair of shoes, just make sure that you have enough money to get by after you purchase them.\"}),/*#__PURE__*/e(\"h3\",{children:\"Start small\"}),/*#__PURE__*/e(\"p\",{children:\"You don\u2019t ever have to track your money in a spreadsheet if you don\u2019t want to. But staying on top of your spending won\u2019t ever hurt you, so you shouldn\u2019t be afraid to explore budgeting apps and websites if they\u2019re interesting to you. Once you\u2019ve started thinking more presently about your spending habits, you can start to think about things like saving, investing, and donations if you\u2019d like to. A few dollars here and there can help put you on the track towards financial freedom - long before most college students think about it.\"}),/*#__PURE__*/e(\"p\",{children:\"Of course, if you want to go big right off the bat, that\u2019s a great idea too. Financial health comes down to being thoughtful about your relationship with money. For some, this involves making spreadsheets and using apps that keep track of your spending. If you\u2019re interested in doing this, try playing around with an Excel spreadsheet. Take note of your income and your expenses, and then break each down by category. You can also keep track of when payday is and when you owe money to different entities. Get as detailed as you like - there\u2019s no wrong way to budget as long as you\u2019re being thoughtful about it.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"*This communication is for informational purposes only and should not be considered financial advice.*\"})})]});export const richText2=/*#__PURE__*/o(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Staying financially healthy in college can be a challenge. It\u2019s the time in your life where you likely have the greatest gap between your disposable income and what you\u2019d like to be able to buy. As a result, lots of students end up going into debt, living paycheck to paycheck, or making unnecessary sacrifices. But before you hit the panic button, know that there are ways for you to save money that you might not even be thinking about - yet.\"}),/*#__PURE__*/e(\"h3\",{children:\"1. Check for student discounts on everything\"}),/*#__PURE__*/o(\"p\",{children:[\"Whether we\u2019re talking about fixed costs like your Spotify subscription and utilities or more variable expenses like online shopping and going out to eat, you should \",/*#__PURE__*/e(\"em\",{children:\"always\"}),\" be checking for student discounts. Plenty of subscriptions offer discounts for students, and lots of online retailers give discount codes to people with .edu email addresses. It never hurts to check, and you never know what kind of deals you\u2019re going to find. Plus, this step doesn\u2019t require you to change your spending habits at all.\"]}),/*#__PURE__*/e(\"h3\",{children:\"2. Create a budget\"}),/*#__PURE__*/e(\"p\",{children:\"Whether you decide to put together an excel spreadsheet or start thinking about your income and your expenses more mindfully, a budget is a great way to make your money go further. Even casually thinking about a budget for yourself can help you realize what you\u2019re spending too much on.\"}),/*#__PURE__*/e(\"h3\",{children:\"3. Find ways to make extra money\"}),/*#__PURE__*/e(\"p\",{children:\"Making extra cash while you\u2019re in college might seem like a pain, but it\u2019s worth it if you think you\u2019re spending too much. There are usually tons of on-campus jobs reserved just for students like you. Try asking for more information at your campus career center. You can also look for employment off campus. Businesses around college campuses are always looking for part time workers, and you never know what you might find. You can also try developing a side hustle. Reselling things online and doing freelance work are both great ways to make a little extra money.\"}),/*#__PURE__*/e(\"h3\",{children:\"4. Make some tough decisions\"}),/*#__PURE__*/e(\"p\",{children:\"At the end of the day, it\u2019s a good idea to think hard about what you\u2019re spending money on. If you\u2019re paying money for subscriptions you don\u2019t take much advantage of, why not cancel them? If you\u2019re in the habit of shopping online once a week, try cutting that down to once every two weeks. There are always ways to cut down on your spending if you\u2019re willing to really think about it.\"}),/*#__PURE__*/e(\"h3\",{children:\"5. Buy second hand whenever possible\"}),/*#__PURE__*/e(\"p\",{children:\"Some things, it's worth splurging on and getting brand new. Other things, not so much. When it comes to dorm room or apartment decorations, try Facebook marketplace or Craigslist. You might be surprised at the options and the prices. There are more legit places to shop second hand, too. For clothes, check out Goodwill or sites like Poshmark to save a little extra cash.\"}),/*#__PURE__*/e(\"h3\",{children:\"6. Use your Fizz card\"}),/*#__PURE__*/e(\"p\",{children:\"On top of everything else, getting a Fizz card is a great way to cut down on expenses. Not only is Fizz completely free for college students, we\u2019ll also guide you to businesses where you can earn cash back when you spend. And with features like daily Autopay, sticking to a budget is easier than ever with Fizz\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"*This communication is for informational purposes only and should not be considered financial advice.*\"})})]});\nexport const __FramerMetadata__ = {\"exports\":{\"richText2\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText1\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"__FramerMetadata__\":{\"type\":\"variable\"}}}"],
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