Graduation Policy
Definition: Graduation occurs when you’ve:
Completed the Smart Credit Algorithm (all steps)
Achieved your personalized credit and/or financial goals
Demonstrated consistent positive credit habits
Perks:
Recognition in the community (Celebrate Wins & Spotlight)
Access to advanced financial literacy resources
Lifetime tools to maintain your results
A major Loyalty Reward point booster added to your account, redeemable for prizes, services, and exclusive perks
Meaning: Graduation is more than finishing—it’s a milestone that sets you up for lasting success and rewards your effort.
Celebrate your graduation inside the community
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