EXTRA: Build Credit with Debit is a free finance app for iPhone developed by Thingy Thing Inc. The app offers a unique debit card that helps users build credit and earn reward points on every purchase. It is extremely easy to apply and does not require a credit check. With this app, users can swipe the Extra Debit Card daily to track their purchases, build credit, and earn reward points.

The app works by connecting the user's bank account to provide a spending limit based on their bank balance. When the user swipes the Extra Debit Card, the app spots them for that purchase and automatically pays itself back the next business day. At the end of the month, all transactions are totaled up and reported to credit bureaus as credit-worthy payments. The app also offers exclusive content to help users make sense of credit, access to the Rewards Store, easy card management, and more FOMO-inducing features coming soon. The pricing and rewards availability will vary depending on the plan and term selected.