Home Equity

General

• Where does Aven get information about prospective customers?
• Do you have a physical branch I could visit in person?
• I lost my invitation to apply that I received in my mail, can I get it again?
• I received a card in the mail after canceling my account within the rescission period. Should I be concerned?
• Why did I recieve a Form 1099-MISC from Aven
• How to Contact Us

Refinancing with Aven

• Can I refinance my existing Aven Home Card for a lower rate?
• Can I have multiple Aven products at the same time?
• Can I refinance and keep my Aven account open?

Payments

• When will my payment be reflected in my available credit?
• Is there a grace period for Aven payments?
• What happens to my excess payment?
• How can I pay my bill through another bank?
• Can I change my payment due date?
• How can I see how much of my payment is going to principal and interest?

Notary Sessions

• My ID has expired. What can I do to complete the notarization process?

Cash Back Rewards

Application Process

• Why does someone have to complete the notarization process?
• How can someone complete a notary session if an additional signer is not available at the same time?
• Can my offer change after I get prequalified?
• Is there an initial draw requirement?
• Which states is Aven available in?
• Can an applicant go back and add proof of additional income?

Account Use

• My credit is frozen. What can I do?
• What happens if an account remains unused?
• Where can I use my card?
• How do I activate my card?
• Can I get cash or checks?
• Why is the pending transaction amount different from the purchase?

Account Management

• Can I connect my bank account during the rescission period?
• Can I decrease my line size?
• Do you issue IRS Form 1098?
• Can you delete my personal information?
• Can the card be shipped to an alternate location?
• I lost my card or it was stolen. What should I do?

Before You Apply

• Is Aven a credit card or a home equity line of credit?
• Will the HELOC be secured solely by the dwelling or by the entire property including the land?
• Is Aven a HELOC or HELOAN?
• For HELOCs, what types of homeownership vesting does Aven accept?
• Will applying for both the HELOC and Rewards cards mean two hard credit checks?
• Can I open another Aven Card on my second property?

Offer, Rates & Fees

• Is the rate variable?
• How does Aven determine the credit line size and interest rate?
• Does Aven offer a fixed rate?
• Is there a fee added or taken out?
• Does Aven offer a rate match or guarantee?
• Is there interest on a cash out fee?