Why hasn’t my available credit updated?
If you recently made a payment to your Owner’s Rewards Card to reduce your outstanding balance, please keep in mind it takes a few days for your available credit to reflect the change. We ensure that credit payments are settled before considering your payment as complete.
To keep track of your remaining credit, simply head to the Spend tab. There, you'll find your available credit displayed, which is calculated by subtracting your current balance from your credit limit.
Please be aware that any available credit generated from posted payments to your account may take up to seven (7) business days from the payment initiation date for the funds to become available. In some cases, additional holds may be placed if we believe there are any risks associated with a payment.
To ensure uninterrupted spending, we encourage making payments before reaching your credit limit each month. This way, you can avoid any potential delays that may affect using your Owner’s Rewards Card.
How do I set up AutoPay?
Web
1. Click “Spend”
2. In the top right corner of the screen under “AutoPay”, click “Edit”
3. Select the account you want to pay from
4. Enter the amount you want to pay
5. Click “Continue”
6. Review the AutoPay payment details and click “Confirm.”
Mobile
1. Tap “Spend”
2. In the middle of the screen where it reads “AutoPay”, tap “Edit”
3. Select the account you want to pay from
4. Enter the amount you want to pay
5. Tap “Enable AutoPay”
6. Review the AutoPay payment details and tap “Confirm AutoPay”
How do I make a payment?
Web:
1. Click “Spend”
2. Click on the credit card icon, if it is not already selected
3. Click “Make a Payment”
4. Select the account you want to pay from
5. Enter the amount you want to pay
6. Click “Continue”
7. Review the payment details
8. Click “Confirm”
Once you submit a payment it can’t be cancelled.
Payments must be made by 11:30 pm ET on the due date to be considered on-time.
Mobile:
1. Click “Spend”
2. Tap on the credit card icon, if it is not already selected
3. Tap “Make a Payment”
4. Select the account you want to pay from
5. Enter the amount you want to pay
6. Tap “Make a Payment”
7. Review the payment details
8. Tap “Confirm Payment”
Once you submit a payment it can’t be cancelled.
Payments must be made by 11:30 pm ET on the due date to be considered on-time. Payments made after 8:00 PM CT Monday-Friday, on weekends, or on holidays will be processed the next business day.
Where can I change the bank account I use to pay my Owner's Reward Card by M1 bill?
You can pay your Owner's Reward Card by M1 bill with:
An external bank account that you have connected to M1.
A physical check.
If you need to change the external bank account you have connected to M1, please follow the instructions outlined in this help center article.
When writing a check, you can make the check payable to:
Deserve Inc.
Mail it to DESERVE INC
DEPT CH 14526
PALATINE, IL 60055-4526
Please include the statement coupon with the check. The statement coupon will be provided on the monthly statement.
Where can I view my payment due date? Can it be changed?
1. Navigate to the “Spend” tab.
2. You can find your payment due date and minimum amount due in the top-right corner of the screen if on Web or in the middle of the screen if on Mobile.
To request a possible payment due date change, please reach out to the Owner's Rewards Card by M1 team, at (833) 978-3351. They are available Monday-Friday between 8 am-8 pm CT and Saturday between 9 am-2 pm CT.
Credit Card not available for US Territory Residents. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1.
20240103-3306896-10491580