Question 1

How long does it take to release the lien on my home (reconveyance)?

Accepted Answer

Once your account is paid off and closed, Aven sends a reconveyance request to your county recorder to officially release the lien on your property. The county recorder’s office normally takes 30 to 90 days, though exact timing depends on local government backlogs and processing speeds.

If you are currently refinancing with another lender, they will often accept proof that this request has already been submitted while you wait for the final recorded document.

You may also contact Aven anytime by emailing support@aven.com for status updates or to request available supporting documents.

Question 2

Why can’t I use a VPN when I’m applying for the Aven Bitcoin Visa Card?

Accepted Answer

We verify your identity when you apply for the Aven Bitcoin Visa Card to help protect you. A VPN can mask or change your IP address, which can prevent us from confirming you are applying from an eligible location.

For security and compliance reasons, we require a direct connection when you apply for the Aven Bitcoin Visa Card. Disabling your VPN helps ensure your application can be reviewed accurately and processed without delays.

Question 3

Why aren’t the Aven Bitcoin Visa Card’s rewards available as bitcoin or crypto?

Accepted Answer

We design our cards to be simple, transparent, and rewarding. Cash back in U.S. dollars as a statement credit is an easier way for you to earn and use your rewards without potential tax concerns. Consult a tax or financial advisor to learn more about any tax consequences.

Question 4

How does cash back on the Aven Bitcoin Visa Card work?

Accepted Answer

You can earn an unlimited 2% cash back on purchases made with your Aven Bitcoin Visa Card. Cash back can be redeemed as statement credits in U.S. dollars. (See cash back terms and conditions. Some restrictions apply.)

The Aven Bitcoin Visa Card does not provide cash back in bitcoin, stablecoins, or other digital assets.

Question 5

How is the Aven Bitcoin Visa Card different from the Aven Home Equity Visa Card or Aven’s other cards and loans?

Accepted Answer

Aven is a leader in giving consumers credit for the assets they already own. The Aven Home Equity Visa Card is a HELOC that works like a credit card, which gives homeowners flexibility and a lower cost of capital based on their home equity. The Aven Bitcoin Visa Card works the same way, but with bitcoin instead of home equity as the underlying asset.

The Aven Bitcoin Visa Card is a bitcoin-backed line of credit that is accessible as a credit card. There are no minimum draws or obligations, so you can use only what you need.

Question 6

Is the Aven Bitcoin Visa Card a KYC-free or anonymous card?

Accepted Answer

No - The Aven Bitcoin Visa Card is not a KYC-free or anonymous card.

We verify the identity of applicants when they apply for the Aven Bitcoin Visa Card to comply with the law and protect our borrowers. The application process includes an ID document verification and a live “selfie” facial recognition verification.

Question 7

Why does Aven require a credit check for the Aven Bitcoin Visa Card?

Accepted Answer

Aven may make a “soft” inquiry on your credit report as part of the application process to verify your identity and assess your ability to repay. A soft inquiry does not affect your credit score.

A “hard” inquiry occurs only if you proceed with and accept an offer for the Aven Bitcoin Visa Card.

While your bitcoin serves as collateral for the Aven Bitcoin Visa Card, we take additional steps to manage risk responsibly and ensure your assets are safe.

Some bitcoin-backed loan providers advertise no credit checks and rely only on your deposited bitcoin. This can create higher liquidation risk for you.

By incorporating a credit check, we can offer you more stable terms (including some of the lowest interest rates in the industry) and reduce the likelihood of forced liquidation.

Question 8

Will the Aven Bitcoin Visa Card impact my credit score?

Accepted Answer

We will share information about your account, including line size, payment history, and default events with consumer reporting agencies or credit bureaus.

Question 9

What is the minimum credit score required for a bitcoin-backed loan?

Accepted Answer

Aven requires a credit score of 620 or higher for the Aven Bitcoin Visa Card.

Question 10

What is a margin call?

Accepted Answer

A margin call is a notice that we will liquidate a portion of your bitcoin if you do not bring your account’s loan-to-value ratio down to a healthy level. The threshold depends on the initial borrowing tier you selected when you applied.

If your loan-to-value ratio reaches 80% and is not reduced within 72 hours, we will liquidate a portion of your deposited bitcoin. For Aven Bitcoin Visa Cards with an initial borrowing tier of 30% or 50%, we will sell enough bitcoin to bring the loan-to-value ratio back down to 30%. For Aven Bitcoin Visa Cards with an initial borrowing tier of 70%, we will sell enough bitcoin to return the loan-to-value ratio to 70%.

Question 11

Can I do anything to prevent the liquidation or forced sale of my bitcoin?

Accepted Answer

Yes - You will need to make on-time monthly payments on your Aven Bitcoin Visa Card. If your Aven Bitcoin Visa Card is past due, we will liquidate some or all of your deposited bitcoin to pay any outstanding balances and any accumulated interest or fees.

A liquidation fee is charged if your loan-to-value ratio is too high and a full liquidation is required. We do not charge a liquidation fee for partial liquidations.

We provide reminders and alerts so that you can keep current on your payments and manage the loan-to-value level on your Aven Bitcoin Visa Card.

We will try to notify you if the loan-to-value ratio on your Aven Bitcoin Visa Card reaches a warning level or other threshold so that you can deposit more bitcoin or make a payment to avoid a liquidation of your deposited bitcoin.

If you selected 30% as your initial borrowing tier, we will try to send you a warning when your Aven Bitcoin Visa Card reaches a 50% loan-to-value ratio.

If you selected 50% as your initial borrowing tier, we will try to send you a warning when your Aven Bitcoin Visa Card reaches a 60% loan-to-value ratio.

For all borrowing tiers, we will lock your Aven Bitcoin Visa Card at a 70% loan-to-value ratio.

If your loan-to-value ratio reaches 80% and is not reduced within 72 hours, we will liquidate a portion of your deposited bitcoin. For Aven Bitcoin Visa Cards with an initial borrowing tier of 30% or 50%, we will sell enough bitcoin to bring the loan-to-value ratio back down to 30%. For Aven Bitcoin Visa Cards with an initial borrowing tier of 70%, we will sell enough bitcoin to return the loan-to-value ratio to 70%.

If the loan-to-value ratio on your Aven Bitcoin Visa Card reaches 85%, we will close your account and fully liquidate your deposited bitcoin to repay the loan and any accumulated interest and fees. A 2% liquidation fee applies with a full liquidation.

Initial borrowing tier	Warning	Balance locked	Margin call (72 hours)	Wipeout (immediate)
30%	50% LTV	70% LTV	80% LTV (to bring down to 30%)	85% LTV
50%	60% LTV	70% LTV	80% LTV (to bring down to 30%)	85% LTV
70%	—	70% LTV	80% LTV (to bring down to 70%)	85% LTV

Liquidation may occur without notice because of the volatile nature of bitcoin and other digital assets.

Question 12

Can I lose my bitcoin with the Aven Bitcoin Visa Card?

Accepted Answer

We may sell some of your deposited bitcoin to bring down the loan-to-value ratio on your Aven Bitcoin Visa Card or pay off the entire balance in the case of default or a full liquidation. A 2% liquidation fee applies with a full liquidation.

If you selected 30% as your initial borrowing tier, we will try to send you a warning when your Aven Bitcoin Visa Card reaches a 50% loan-to-value ratio.

If you selected 50% as your initial borrowing tier, we will try to send you a warning when your Aven Bitcoin Visa Card reaches a 60% loan-to-value ratio.

For all borrowing tiers, we will lock your Aven Bitcoin Visa Card when you reach a 70% loan-to-value ratio.

If your loan-to-value ratio reaches 80% and is not reduced within 72 hours, we will liquidate a portion of your deposited bitcoin. For accounts with an initial borrowing tier of 30% or 50%, we will sell enough bitcoin to bring the loan-to-value ratio back down to 30%. For Aven Bitcoin Visa Cards with an initial borrowing tier of 70%, we will sell enough bitcoin to return the loan-to-value ratio to 70%.

If the loan-to-value ratio on your Aven Bitcoin Visa Card reaches 85%, we will close your account and fully liquidate your deposited bitcoin to pay your outstanding balance and any accumulated interest and fees. A 2% liquidation fee applies with a full liquidation.

Initial borrowing tier	Warning	Balance locked	Margin call (72 hours)	Wipeout (immediate)
30%	50% LTV	70% LTV	80% LTV (to bring down to 30%)	85% LTV
50%	60% LTV	70% LTV	80% LTV (to bring down to 30%)	85% LTV
70%	—	70% LTV	80% LTV (to bring down to 70%)	85% LTV

Liquidation may occur without notice because of the volatile nature of bitcoin and other digital assets.

Question 13

Why does Aven liquidate or sell bitcoin?

Accepted Answer

We will only sell your deposited bitcoin to bring your loan-to-value ratio down to the agreed upon ratio or pay off your outstanding balance in the event of default. A 2% liquidation fee applies with a full liquidation. We do not charge a liquidation fee for partial liquidations.

We will try to notify you if the loan-to-value ratio on your Aven Bitcoin Visa Card reaches a warning level or other threshold so that you can deposit more bitcoin or make a payment to avoid liquidation of your deposited bitcoin.

Liquidation may occur without notice because of the volatile nature of bitcoin and other digital assets.

Initial borrowing tier	Warning	Balance locked	Margin call (72 hours)	Wipeout (immediate)
30%	50% LTV	70% LTV	80% LTV (to bring down to 30%)	85% LTV
50%	60% LTV	70% LTV	80% LTV (to bring down to 30%)	85% LTV
70%	—	70% LTV	80% LTV (to bring down to 70%)	85% LTV

We do not sell, lend out, repledge, or rehypothecate your deposited bitcoin.

Question 14

What happens if I can’t pay back what I borrow on my Aven Bitcoin Visa Card?

Accepted Answer

We will liquidate your deposited bitcoin to pay any past due balances and any accumulated interest or fees. You will be charged a fee for late payments.

A liquidation fee is charged if your loan-to-value ratio is too high and a full liquidation is required. We do not charge a liquidation fee for partial liquidations.

Question 15

What happens if I miss a payment on my Aven Bitcoin Visa Card?

Accepted Answer

If your Aven Bitcoin Visa Card is past due, we will liquidate some or all of your deposited bitcoin to pay any minimum monthly payments and any accumulated interest or fees. You will be charged a fee for the late payment.

A liquidation fee is charged if your loan-to-value ratio is too high and a full liquidation is required. We do not charge a liquidation fee for partial liquidations.

Question 16

Do I have to make a payment on the Aven Bitcoin Visa Card every month?

Accepted Answer

Yes - The Aven Bitcoin Visa Card requires a payment each month you have outstanding principal drawn from your line of credit or a balance on your card.

You can repay any balance, cash-outs, or balance transfers at any time with no prepayment penalty.

Question 17

How do I make payments on the Aven Bitcoin Visa Card?

Accepted Answer

You can make payments on your Aven Bitcoin Visa Card through the Aven app or website in U.S. dollars by ACH, debit card, or wire transfer. A transaction fee applies for payments made from a debit card.

Payments in bitcoin, stablecoins, or other crypto are not yet supported.

Question 18

What fees does the Aven Bitcoin Visa Card charge?

Accepted Answer

The Aven Bitcoin Visa Card has no annual fee and no origination fee unlike many bitcoin-backed loans. There is a 1% draw fee for cash outs and balance transfers.

You are responsible for any transaction fees required to deposit or withdraw bitcoin. Aven does not charge these fees.

The Aven Bitcoin Visa Card has fees for authorized users, balance transfers, and late payments like other credit cards.

A liquidation fee is charged if your loan-to-value ratio is too high and a full liquidation is required. We do not charge a liquidation fee for partial liquidations.

You may be subject to taxes due to the sale of your bitcoin if we need to liquidate your account because you do not maintain your loan-to-value ratio, have a past-due balance, or default on your account. Consult a tax or financial advisor to learn more about any tax consequences.

Question 19

How are the Aven Bitcoin Visa Card’s rates set?

Accepted Answer

Rates for the Aven Bitcoin Visa Card depend on the borrowing tier selected when you apply and the bitcoin you deposit.

Your APR is determined by your borrowing tier. APRs range from 7.99% to 11.99% for both fixed and variable rates. In comparison, many bitcoin-backed loans have APRs of about 10% or more. Rates may change.

Borrowing tier	Fixed APR for cash outs and balance transfers	Variable APR for purchases
30% of the bitcoin value deposited	7.99%	7.99%
50% of the bitcoin value deposited	9.99%	9.99%
70% of the bitcoin value deposited	11.99%	11.99%

You can request a change to your borrowing tier.

Question 20

Will the Aven Bitcoin Visa Card have increased credit limits if the price of bitcoin increases?

Accepted Answer

You can request a credit limit increase for your Aven Bitcoin Visa Card at any time, including if the price of bitcoin increases significantly for a sustained period of time. You can also request a change to your borrowing tier by contacting us.

Credit limit increases on the Aven Bitcoin Visa Card are made at our discretion and are not guaranteed.

Question 21

What happens to my Aven Bitcoin Visa Card if the price of bitcoin falls?

Accepted Answer

Your spending power may change if the price of bitcoin falls, as it is based on your loan-to-value ratio.

You can view the current loan-to-value and account health of your Aven Bitcoin Visa Card through the Aven app or website.

Question 22

How does Aven determine the value of bitcoin to determine my balance, loan-to-value ratio, or liquidation?

Accepted Answer

Aven continuously surveys the latest BTC/USD spot rates from leading crypto custodians and exchanges, including Binance, BitGo, and Kraken.

Question 23

Can I prepay my Aven Bitcoin Visa Card to withdraw my bitcoin?

Accepted Answer

No - You can only withdraw excess bitcoin that is not needed to support your line of credit and the loan-to-value ratio that you select.

You must close and pay off your Aven Bitcoin Visa Card account to withdraw the entirety of your deposited bitcoin collateral.

Question 24

Does Aven take possession or custody of my bitcoin?

Accepted Answer

No - Aven does not take possession or custody of your bitcoin.

You will need to deposit bitcoin with Aven’s custodian BitGo as collateral for the Aven Bitcoin Visa Card. You can add or withdraw bitcoin or funds over time. Any deposited bitcoin must be kept in your Aven account for at least seven consecutive days before it is eligible for withdrawal.

You can view the excess bitcoin available to withdraw from your Aven Bitcoin Visa Card in the Aven app.

Question 25

Do I need to deposit bitcoin to complete the Aven Bitcoin Visa Card application?

Accepted Answer

Yes - The Aven Bitcoin Visa Card is backed by the bitcoin you deposit. You need to deposit bitcoin with Aven’s custodian to use your line of credit.

Question 26

Do I have to deposit an entire bitcoin to get the Aven Bitcoin Visa Card?

Accepted Answer

No - You can deposit partial or fractional bitcoin to support your Aven Bitcoin Visa Card.

The Aven Bitcoin Visa Card has an initial credit limit between $1,000 to $1 million, based on the borrowing tier (30%, 50%, or 70%) selected when you apply.

Question 27

What is a loan-to-value ratio?

Accepted Answer

A loan-to-value ratio is the percentage of the collateral’s value taken out as a loan. For example, if you choose $30,000 as your initial credit limit and deposit $100,000 worth of bitcoin as collateral, the loan-to-value ratio of your Aven Bitcoin Visa Card is 30%, or $30,000 divided by $100,000.

We offer our lowest purchase APR to borrowers with the lowest borrowing tier or loan-to-value ratio. A lower loan-to-value ratio reduces the risk of liquidation or the sale of some or all of your collateral to repay the loan.

Question 28

How is my required bitcoin collateral amount determined for the Aven Bitcoin Visa Card?

Accepted Answer

When you apply, you can select one of three borrowing tiers: 30%, 50%, or 70%. Your loan-to-value ratio is based on the tier you select.

You can choose a lower loan-to-value ratio to receive a lower interest rate. A lower loan-to-value can also reduce the risk of liquidation of your collateral if the price of bitcoin falls.

Question 29

How much bitcoin do I need to get an Aven Bitcoin Visa Card?

Accepted Answer

The Aven Bitcoin Visa Card has an initial credit limit between $1,000 to $1 million, based on the borrowing tier (30%, 50%, or 70%) you select when you apply and deposit your bitcoin.

Your borrowing tier is based on the loan-to-value ratio, which determines your APR. (Variable rates may change.)

Borrowing tier	Fixed APR for cash outs and balance transfers	Variable APR for purchases
30% of the bitcoin value deposited	7.99%	7.99%
50% of the bitcoin value deposited	9.99%	9.99%
70% of the bitcoin value deposited	11.99%	11.99%

Question 30

Can I refinance my bitcoin-backed loan with the Aven Bitcoin Visa Card?

Accepted Answer

You can cash out your Aven Bitcoin Visa Card or balance transfer high-interest debt, including any other bitcoin-backed loans. A 1% draw fee and other terms apply.

The Aven Bitcoin Visa Card offers some of the lowest interest rates in the industry. APRs range from 7.99% to 11.99% for both fixed and variable rates. Variable rates may change.

Question 31

What are the requirements to get an Aven Bitcoin Visa Card?

Accepted Answer

The Aven Bitcoin Visa Card is available to people age 18 or older who are U.S. residents with a valid Social Security number and a government-issued ID. You must be able to deposit enough bitcoin to support the line of credit.

We require a credit score of 620 or higher and sufficient income or demonstrated ability to repay.

You must also complete identity verification. The Aven Bitcoin Visa Card is not anonymous.

Question 32

What can I use the Aven Bitcoin Visa Card for?

Accepted Answer

The Aven Bitcoin Visa Card lets you access up to $1 million in liquidity without the sale of bitcoin. You can use the funds for major purchases, pay off high-interest debt, cover tax payments, or spend anywhere Visa cards are accepted.

You can also cash out your lines of credit or transfer existing balances to plans with fixed-rate and fixed-terms of up to 10 years. A 1% draw fee and other terms apply.

Question 33

Does Aven lend out or rehypothecate my bitcoin?

Accepted Answer

No - Aven does not lend out, repledge, or rehypothecate your bitcoin collateral.

Some bitcoin-backed loan providers use a borrower’s bitcoin as collateral to secure their own loans or an affiliated exchange’s trading positions. This is called rehypothecation.

Rehypothecation is risky. If the bitcoin-backed loan provider defaults or becomes insolvent, borrowers might have a hard time recovering their collateral and, in rare cases, could lose it entirely.

Question 34

How is the Aven Bitcoin Visa Card different from bitcoin-backed loans?

Accepted Answer

The Aven Bitcoin Visa Card is a bitcoin-backed line of credit accessible as a credit card. There are no minimum draws or obligations, so you can use only what you need.

With the Aven Bitcoin Visa Card, you can select plans with up to a 10-year fixed-rate, fixed-term or up to a 5-year interest-only repayment period.

As an Aven Bitcoin Visa Cardholder, you can also take advantage of unlimited 2% cash back on all purchases (terms and conditions and certain restrictions apply), which can be redeemed as a statement credit in U.S. dollars. Bitcoin-backed loans do not typically offer cash back or rewards.

Question 35

How does the Aven Bitcoin Visa Card work?

Accepted Answer

The Aven Bitcoin Visa Card lets you access up to $1 million in liquidity with a bitcoin-backed line of credit.

You will need to deposit bitcoin with Aven’s custodian, BitGo, as collateral for the line of credit.

Your bitcoin is returned after you close the line of credit and repay any principal or accumulated interest. If the price of bitcoin falls, we may require you to deposit more bitcoin or make a partial repayment; otherwise, we may liquidate some or all of your collateral to repay the loan.

Question 36

What are the terms of the Aven Bitcoin Visa Card?

Accepted Answer

The Aven Bitcoin Visa Card provides access to capital at one of the lowest costs in the industry. APRs range from 7.99% to 11.99% for both fixed and variable rates. Rates may change.

Aven offers up to a 10-year fixed-rate, fixed-term plan and up to a 5-year interest-only plan.

Question 37

What is the Aven Bitcoin Visa Card?

Accepted Answer

The Aven Bitcoin Visa Card is a bitcoin-backed line of credit accessible through a credit card. The card provides up to $1 million without selling your bitcoin.

As an Aven Bitcoin Visa Cardholder, you can cash out your line of credit or transfer existing balances into fixed-rate and fixed-term plans of up to 10 years. A 1% draw fee and other terms apply.

Question 38

Will paying off my full balance close my account?

Accepted Answer

No. Paying your full statement balance does not automatically close your account. Your HELOC remains open and available for future use if you are within the draw period. Account closure only happens if you explicitly request it through the app or by contacting our support team.

Question 39

How long does it take to get a replacement card?

Accepted Answer

Replacement cards typically arrive within 3-5 business days. For security reasons, we do not share tracking numbers or shipping company details.

Question 40

Can I refinance my existing Aven Home Card for a lower rate?

Accepted Answer

Aven is not currently offering refinance or APR reduction to existing Home Card holders.

Question 41

When will my payment be reflected in my available credit?

Accepted Answer

After a payment is posted, it typically takes 3-15 business days for your available credit to be replenished, depending on the payment amount.

Question 42

Can I have multiple Aven products at the same time?

Accepted Answer

You can have one Home card and one Rewards card active at the same time. Aven Home Equity Cash and Home Equity Visa Card are both classified as Home cards. Aven Rewards Visa card and Aven Flexible Cash (Flex) are both classified as Rewards cards. You cannot have two Home cards or two Rewards cards simultaneously.

Question 43

Is there a grace period for Aven payments?

Accepted Answer

Aven does not offer a grace period after the due date. To avoid late fees or interest charges, payments must be made on or before the due date shown on your statement.

Question 44

Can I refinance and keep my Aven account open?

Accepted Answer

Generally no, as most lenders will require you to pay off and close your Aven account as part of your home refinance. You should check with your new mortgage lender to see if they allow you to keep existing home equity lines open.

Question 45

Can I cash out to my Chime account?

Accepted Answer

No, Chime accounts are not supported at this time. You can cash out to another bank account.

Question 46

Why do you need my bank information during the application process?

Accepted Answer

We use your bank information to verify your income through a secure third-party service. This helps us confirm your application details quickly and accurately. We do not store your log-in information, and your data stays private and protected. If you prefer not to provide bank information, you have the option of manually uploading your income information.

Question 47

Will the HELOC be secured solely by the dwelling or by the entire property including the land?

Accepted Answer

Aven HELOCs are secured by single-family residential real property, which covers the dwelling and the underlying land. Please note that Aven does not offer HELOCs for manufactured homes or multifamily homes.

Question 48

Where does Aven get information about prospective customers?

Accepted Answer

We use common industry data providers (e.g. major credit reporting agencies) to identify prospective customers. Consumers can opt out of receiving mail from us at any time by following the instructions included in the mailer or emailing us at support@aven.com.

Question 49

How do I add a co-applicant to my Aven Rewards Card?

Accepted Answer

Applicants can add co-applicants or authorized users to the account during the application process. Authorized users get their own Aven credit card and can use the account. Currently, Aven cardholders cannot add authorized users after an account has already been created.

Question 50

What is the notarization process in Texas?

Accepted Answer

Texas applications require an in-person meeting with a notary to sign your documents. The document signing and closing process must take place at an attorney’s office or title company. We work with ServiceLink, a mortgage services company, to assist with the meeting scheduling and signing.

Question 51

Is Aven a HELOC or HELOAN?

Accepted Answer

Aven offers HELOCs that can be accessed using a Visa credit card. Aven HELOCs feature a revolving line of credit and might also feature fixed-rate, fixed monthly payment plans called Aven Simple Loans. Depending on the HELOC account terms, cash outs and balance transfers are repaid via Aven Simple Loans. While an Aven Simple Loan plan has similarities to a HELOAN, it is not a HELOAN.

Question 52

Why can’t I submit my own appraisal?

Accepted Answer

To ensure accurate and unbiased valuations consistent with regulatory and investor requirements, Aven orders all appraisals directly.

Question 53

Will you send a card to everyone who signs the HELOC account documents?

Accepted Answer

No. Only applicants, co-applicants, and authorized users will receive cards and can use the account.

Question 54

For HELOCs, what types of homeownership vesting does Aven accept?

Accepted Answer

Aven accepts properties owned by a single person (sole ownership), by a revocable family trust, or by multiple people as joint tenants (but not as tenants in common).

Question 55

Will applying for both the HELOC and Rewards cards mean two hard credit checks?

Accepted Answer

Yes, applying for both the HELOC and Rewards cards requires two separate hard credit inquiries.

Question 56

Will applying for both the HELOC and Rewards cards mean two hard credit checks?

Accepted Answer

Yes, applying for both the HELOC and Rewards cards requires two separate hard credit inquiries.

Question 57

What happens to my excess payment?

Accepted Answer

Any extra payment that is more than the minimum amount goes straight to your principal loan balance. Lowering the principal balance helps you pay off your loan faster and saves you money over time. For more details on how payments are applied, please refer to your account agreement.

Question 58

Can I open another Aven Card on my second property?

Accepted Answer

No, we can only support one active Aven Home Card account per customer.

Question 59

How can I pay my bill through another bank?

Accepted Answer

Yes, you can pay your Aven card balance through your personal bank's online Bill Pay service. Log into your checking account and use the Bill Pay tool to add "Aven Card" or "Aven" as the Payee Name. Be sure to use the payment mailing address listed on your monthly Aven statement.

For the most efficient payment process, consider setting up AutoPay within the Aven mobile app. This will automatically deduct your payment from your linked bank account each month.

Question 60

Can I change my payment due date?

Accepted Answer

Yes, you can change your payment due date. Changes may take 1-2 billing cycles to take effect, depending on the date and eligibility. Please email support@aven.com to request a change.

Question 61

How does Aven know my balances with other credit cards?

Accepted Answer

Aven receives that information from credit reporting agencies.

Question 62

Can I include income from rental properties in my income?

Accepted Answer

Yes, you can include net rental income as long as it is reported as individual income on page 1 of your Federal Tax Return (Form 1040). Net rental income equals the amount remaining after all property-related expenses are paid.

We do not accept rental income that only appears on a Schedule E.

Question 63

What if the merchant issues a refund after I file the dispute?

Accepted Answer

If the merchant issues a refund during the investigation, the dispute will be closed, and any provisional credit will be adjusted accordingly so you are not double-credited.

Question 64

Can I cancel or withdraw a dispute after filing?

Accepted Answer

Yes. If you resolve the issue with the merchant or no longer wish to proceed, you may request to withdraw the dispute. Any provisional credit issued will be reversed.

How can we help?

Getting Started

Application Process

Bitcoin Collateralization

Account Use

Loan-to-Value & Risk

Rates & Fees

Payments

Cash Back Rewards

Can't find what you need?
We're here for you

How can we help?

Getting Started

Application Process

Bitcoin Collateralization

Account Use

Loan-to-Value & Risk

Rates & Fees

Payments

Cash Back Rewards

Can't find what you need? We're here for you

Can't find what you need?
We're here for you