Frequently asked questions Everything you need to know about the product and billing. Can't find the answer you're looking for? Please chat to our friendly team. GeneralSavingsCredit BuilderInvestmentsCash WalletIs my CredPal account secure?Can I get another spending limit with an active repayment tenure?What is my Bank Verification Number (BVN) used for?What can I redeem rewards points for?What rewards does CredPal's Buy Now Pay Later offer?Are there any penalties for paying off my credit balance early?How do I pay my credit balance?What is CredPal's Buy Now Pay Later?What is CredPal's Buy Now Pay Later privacy policy?What are the benefits of using CredPal's Buy Now Pay Later?What is the cost associated with using CredPal's Buy Now Pay Later?How can I shop with CredPal's Buy Now Pay Later on my mobile app?Where can I use Buy Now Pay Later?Who can apply for Buy Now Pay Later?Do I get charged when I make a withdrawal?What is the Naira to Dollar exchange rate?Can I withdraw my money at any time?Can I set more than one financial goal?What are Private Challenges?