Credit Card Frequently Asked QuestionsFAQs

We offer a variety of credit cards to support personal and business needs. For consumers we offer a card secured by deposits to establish credit or cards to earn and redeem rewards. For businesses we offer business, purchasing, procurement and corporate cards with options to earn rewards, or cash back. We have a solution to fit your needs.

PIN stands for Personal Identification Number.

Yes, in some instances you may be prompted to enter your PIN number. Just insert your EMV chip card into the reader and follow the prompts on the terminal.

No, when you activate the card you will be prompted to select and enter a PIN number.

Yes, when you receive your new credit card, there will be a sticker with instructions to activate the card. When you activate the card, you will be prompted to select and enter a PIN number.

PIN number use varies on the purchase and merchant type. When using your chip card, please insert your card and follow the directions provided by the terminal.

Yes. Never write your PIN number on any documentation that can be associated to your card. Never give your PIN number to anyone verbally, or written. As a reminder, we will never ask you for your PIN number under any circumstance.

Yes. Rewards are earned on every dollar spent and may be redeemed for merchandise, cash back, statement credit, or travel.

Authorized users are individuals you want to have access to your account, and use a card on your account, with no financial liability.

Yes. An account may have a primary account holder, with up to three (3) authorized users. If you would like to add an authorized user, please contact Customer Service at the number located on the back of your card for assistance.

We require the name, address, phone numbers, date of birth, Social Security number, and email address of each authorized user. This information is used solely for customer identification. We will not pull a credit bureau report on any authorized users. Authorized users have no financial responsibility for this account, nor is this account reported on the authorized user’s credit bureau information.

Contact Customer Service at the number located on the back of your card for assistance.

Accounts are auto-assigned payment and statement dates. You may request a change by contacting us at the toll-free phone number printed on the back of your card.

You should receive your card within seven (7) to ten (10) business days from the time requested, unless you request us to rush the card. There is a fee for rushed cards, and you generally receive within three (3) business days.

For security purposes, cards are mailed in a generic envelope. Please monitor your mail closely. In the event you do not receive your card, please contact Customer Service at the number located on the back of your card for assistance.

Yes. Card activation options will be provided on the sticker affixed to the front of your card upon receipt.

Any transaction attempted will be declined until your card is activated.

Your card is ready for use upon activation.

We provide several convenient payment options: Online, by phone (automated IVR or live customer service agent), or by mail.

We accept address changes online, via statement payment stub, or by calling Customer Service at the number located on the back of your card.

We offer name changes via statement payment stub, or by calling Customer Service at the number located on the back of your card.

Contact Customer Service at the number located on the back of your card for assistance.

Yes. We offer a paperless statement option.

Statements are generated based on your account’s cycle date. Once mailed, it may take 7- to 10 business days to receive, and electronic statements are ready next day. If your account has no balance with no financial activity, no statement will generate.

Balance transfer requests are available through your bank’s website or by contacting Customer Service at the number located on the back of your card.

Please contact Customer Service at the number located on the back of your card for assistance.

Please use the following number: 866-756-7863, 24 hours a day, seven (7) days a week.

Please use the following number: 866-589-3138, 24 hours a day, seven (7) days a week.

Please contact Customer Service at the number located on the back of your card for assistance.

Yes. We use a fraud monitoring solution in effort to prevent fraudulent activity. Telling us your travel dates and destination(s) enhances our opportunity to prevent servicing disruption.

Rewards points are awarded for qualifying purchase transactions made with your account. Points earned will vary based on account and merchant category.

Points reductions occur for expired points, merchandise returns or when points are redeemed.

Points expire five (5) years at month-end from the month you earned them. Example: Points awarded in May of 2021, will expire May 30, 2026.

No. World Elite card points do not expire.

You can find a link to our rewards site within your online account, or you can contact our rewards Customer Service at 855-575-4638, Monday through Friday, 8 a.m. to 8 p.m. Central Standard Time.

We offer multiple options for point redemption including cash back, merchandise, and travel.

Only primary account holders are permitted to redeem points, unless the primary account holder appoints an authorized user as an authorized redeemer.

Yes. We offer both customer-initiated alerts and bank-initiated alerts.

These are alerts the cardholder requests to receive for their account. Examples include a transaction exceeding a specified amount, purchases made at a particular type of merchant, any online transactions, a reminder when payment is due, and more.

These are alerts the bank sends to verify suspicious activity. The alerts are two-way messages and require the cardholder to respond to verify the transaction.

Alerts allow you to monitor and secure your account quickly and conveniently.

Alerts may be sent via text message, email, or via an automated voice message.

We require a cell phone number, email address, or home phone number.

Yes. Bank-initiated alerts are interactive and customer-initiated alerts only require action if the transaction is unauthorized. Both alert types provide directions on how to review and act on an alert.