Every member sees the locked order before contributions start. Admin-set orders carry a 24h objection window.

Admins only — enter your admin phone to review.

Admins only — where contributions settle. Group money never touches AJOCREDIT.

Switched phones? Enter your phone to pull up every group you belong to.

Got an invite code? Enter it below.

Contribution Successful

Your credit profile grows with every on-time payment.

Nothing was taken. Tap Retry to try again.

Your spot and remaining payments move to someone new your admin invites. No cash back — your past payments already helped others get paid.

You have 7 days to find them — otherwise the group pauses that spot and adjusts. Everyone is told what changed.

You already collected, so stopping now breaks the group. Score −300, account paused. Our licensed partner may follow up on the balance.

Same rules apply, and you always get a reason plus a way to appeal. Nobody is removed silently.

Over 50% cycles done: admin may dissolve with notice (unpaid members refunded pro-rata). Under 50%: majority must agree. Fraud: platform freezes, per-member review.

Penalty −20 flagged under review — excluded from Credit Power until resolved.

System transaction records decide — screenshots support only, never override. Evidence ≤5 files, 10MB each. High-severity auto-escalates with updates every 48h.