Why was my loan migrated?
Due to the acquisition of Deserve, all credit card loans for the M1 Owners Rewards Card were migrated to M1 for servicing.
What changed with my account?
New 0% interest rate: As of September 1, 2025, your account's interest rate was permanently reduced to 0%, as a thank-you for being part of our first-generation credit card program.
Autopay: Your autopay setting (On/Off) carried over to your new payment schedule if you accepted the ACH Agreement in the M1 app. Note: If you did not accept the ACH Agreement, your autopay did not transfer, and you needed to opt in and set it up again.
Payments: If you wanted to continue making payments using our direct payment feature via our website or mobile app and had not yet accepted our updated ACH Authorization Agreement, you needed to do so by logging into the M1 app prior to your next payment due date. The agreement appeared as the first item when you logged in and opened the Borrow tab. Completing this step ensured you could continue making on-time ACH payments on your balance. Late or missed payments were reported to credit reporting agencies.
Account Access: The Spend tab in the app was removed. Your credit card balance now appears in the Borrow tab instead. We notified you when this change took effect.
When was my account migrated?
M1 ORC customers were migrated beginning on September 10th,2025 and throughout the remainder of that month. You were notified once your account was migrated.
What happens to my current balance?
Customers continue to carry their outstanding balance from the ORC card, which is accessed through the "Borrow" tab in their M1 account.
How do I access my account?
See the below image on where to locate your account.
Will my due date change?
We’ve moved payment due dates from the last day of the month to the first day of each month. Your first payment was due November 1, 2025. Payments made on the due date must be initiated by 11:59 p.m. CT to be considered on time. Setting up autopay is the best way to ensure your payments are never late. You can also find your due date on your monthly statement, available in the Documents tab of the M1 app.
Can I request a new due date?
No, we do not currently offer this feature.
How do I make payments/How do I opt into the ACH Agreement?
Check out our ORC Payments FAQ.
Who do I contact if I have questions?
As Deserve will no longer be servicing these loans the phone number listed on the back of your M1 ORC is no longer valid. For the fastest response chat with us via our Messenger once logged into your account through the app or web browser. You can also reach us at [email protected] or 312-600-2883 for any questions or concerns.
The Owner’s Rewards Card by M1 is no longer accepting new applications. Review Cardholder Agreement for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is serviced by M1 Spend LLC, on behalf of M1 Credit Receivables LLC.
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