Advances aren't reported to any credit bureaus both, so that you might be fear-free about your credit fluctuating because of Dave. The cardboard has an annual fee of $99 ($seventy five for the primary year) and it's best for credit score scores that vary from 550 to 650. Should you don't have your Credit score Card PIN, you could create your PIN by way of IVR or Citibank On-line.