之前有个Step App的checking account，好像200 bonus， 看着不错也简单就随手申了。后来拿到bonus之后发现这货是Evolve的bank parternet，想到之前Yotta/Juno的事情就果断转钱关户走人了。
最近申Chase发现居然被拒的理由是超了5/24，想着自己明明算好了4/24的怎么可能！然后去Experian一查才发现这货，Step居然给我搞了一个不知道什么玩意的account。。可我明明开的是Checking啊，哪来的Credit，真是气死我了 
接下来还是去跟信用局/银行扯皮，想想就头大 
My understanding is that Step app is a credit building account.
Thus they report as a credit line.
You can also have a custodial account for a minor child in which case it reports to their credit report but not yours (I have this).
Also, I believe there are some datapoints that if you don’t have or use a debit card it won’t report , but I think the $200 bonus required debit card transactions so you couldn’t have done it that way.
我记得Step第一次注册的时候会默认勾选一个类似Credit Builder的账户，一路点下一步一不小心就相当于多开了张卡，非常恶心
有点xhs即视感了。。。
Sad…
有吗，完全没注意，这真的太恶心了。。
“ Is my Step Card a credit card?
Your Step Visa Card is a new type of secured spending card. It’s technically a credit card, but it’s secured against your account. You can only spend what’s in your balance and won’t be able to overspend. Plus by using your Step card set up with Smart Pay for everyday purchases, you can build positive credit history - even before you turn 18! “
Wow, never paid attention to these details(traps)… Just simply thought it was a checking account 
Thank you for the information! Good reminder to everyone before opening it.
