Zenoti Smart Card and Your Credit Score
This article explains how the Zenoti Smart Card works, how it impacts your credit score, and what to expect after your Zenoti Wallet and card are created. You will learn how credit reporting is handled, what behaviors influence your score, and how to manage your account for optimal credit-building.
Overview
The Zenoti Smart Card is a secured credit card available to eligible employees who use the Zenoti Wallet. It is designed to help users spend earnings conveniently while building or strengthening their credit profile over time. With automatic reporting to major credit bureaus and a built in Auto-Pay feature, the card supports responsible usage without the risk of revolving debt.
How the Zenoti Smart Card works
The Zenoti Smart Card is a secured credit card linked directly to your Zenoti Wallet balance. It works like a charge card—there’s no preset spending limit, and the balance must be paid in full regularly. The card is available in both physical and virtual formats, and supports:
POS and online transactions (with 3DS security)
ATM withdrawals, with no surcharge when using MoneyPass network
Apple Pay and Google Pay for tap-to-pay convenience
Note
The Zenoti Smart Card is backed by your wallet balance and not a credit line extended by a bank.
Credit reporting and your score
As of July 2025, Zenoti reports Smart Card activity to major credit bureaus. The following data is shared:
Card open and close dates
Repayment activity
This reporting helps build or improve your credit profile over time through responsible usage.
What to expect after opening the account
You may notice a slight, temporary change in your credit score. This is common across all credit scoring models. Here’s why:
New account impact
Opening a new account lowers the average age of your credit history, which may slightly reduce your score, especially if your credit profile is relatively new. This impact fades over time as the account ages, and positive payment activity helps mitigate it.
Account volume effect
Opening multiple new accounts in a short time-frame may trigger minor score drop. This effect is usually temporary and often outweighed by on-time payments.
How Auto-Pay supports on-time payments
Auto-Pay is enabled by default to ensure full balance payment from your Zenoti Wallet. This helps avoid missed payments - a key factor in maintaining or improving your credit score.
If Auto-Pay is manually turned off, you are responsible for making timely payments to avoid negative credit impact.
Understanding credit utilization
Unlike traditional credit cards, the Zenoti Smart Card is not a revolving credit line and does not have a preset limit. As a result:
Spending is always limited to your wallet balance.
Credit utilization ratio (amount used vs. limit) does not apply, reducing common risks to credit scores.
This makes the card more flexible and supportive of frequent usage.
Closing the account
If you choose to close your Zenoti Smart Card account:
The closure will be reported to credit bureaus.
The account will still appear on your credit file.
It may take 1–3 months for any changes to reflect in your credit report.
The impact of account closure varies depending on your credit profile and history.
Frequently asked questions
Q. Does activating the Zenoti Smart Card trigger a credit check?
A. No. There is no credit check or hard inquiry when the card is issued. Opening the account will not trigger a dip in score from a credit inquiry.
Q. Why did I see a small drop in my score after activation?
A. This may be due to the new account impact or account volume effect, which are normal and generally temporary. These changes typically correct themselves within 1–3 months, especially as positive activity is reported.
Q. How is the card different from a traditional credit card?
A. The Zenoti Smart Card is a secured charge card with no preset limit and requires payment in full. It uses your Zenoti Wallet balance as collateral, unlike traditional unsecured cards.
Q. Can I spend more than what’s in my wallet?
A. No. Your spending is limited to your wallet balance. This protects you from overuse or falling into debt.
Q. Will late payments hurt my credit?
A. Auto-Pay is turned on by default, which helps prevent late payments. If turned off and payments are missed, negative activity may be reported.