Advances aren't reported to any credit score bureaus either, so you will be fear-free about your credit fluctuating because of Dave. The card has an annual charge of $ninety nine ($seventy five for the first yr) and it's best for credit scores that vary from 550 to 650. If you wouldn't have your Credit score Card PIN, chances are you'll create your PIN by way of IVR or Citibank On-line.