What is Smart Pay?
Smart Pay is Atlas's automated payment feature designed to:
Pay off balances automatically to avoid missed payments.
Keep card utilization low, helping to build credit faster and prevent runaway debt.
How long does Smart Pay take?
Payments are initiated 1-2 days after a transaction.
It takes 3-5 days for payments to complete.
Can you skip Smart Pay?
Yes, you can defer Smart Pay once a month:
Go to Menu.
Select Pay Off Balance.
Choose Daily Smart Pay.
Click Postpone and set a future date.
To extend further, contact support to reset your skip.
Can you turn off Smart Pay?
Smart Pay ensures automated debt management, but you can:
Delay payments as needed.
Contact support for guidance if you'd like to disable the feature entirely.
Smart Pay is a key feature of Atlas, simplifying credit management and building!