Melt’s mission to make credit accessible and reasonably priced for people with less credit history. Connect your bank account to Melt, tell us a little about your employment by connecting your payroll provider directly (if you can!) and we estimate your upcoming tax refund. We look into a combination of your credit score, regular income and withholdings, spending, savings, and tax return data to make a better decision about how much we can lend you. We give you a credit card backed by money that’s already yours.