Advances aren't reported to any credit bureaus either, so you could be fear-free about your credit fluctuating due to Dave. The card has an annual price of $99 ($75 for the primary 12 months) and it is best for credit scores that vary from 550 to 650. In the event you do not have your Credit score Card PIN, it's possible you'll create your PIN via IVR or Citibank On-line.