Introduction
MCU now offers credit cards to consumers. What are the exceptions?
Trust accounts and UTMAs
Loyalty Rewards are given for card usage.
What is the Annual Fee?
$00
How do you make a payment?
EZ Card, IB Bill Pay, or by mail (allow time for delivery)
I've lost my PIN, what do I do?
Refer to VIP -Customer Service. A new PIN will be mailed.
How many consumer cards are issued and what are they based on?
4 consumer cards are issued based on the approved credit limit
How are the Rewards used?
Rewards can be used to purchase merchandise, travel and many other options.
What is the Balance Transfer Fee?
3.00%
Where do you direct card holder inquiries?
FIS - VIP Custpmer Service phone number is on the back of the card (866-839-3409)
Can I change my PIN?
What is the interest rate?
Interest rate is based on the credit score
How can you find out about the Rewards?
Rewards can be viewed and managed in EZ Card (View Rewards) or on this website: www.onlineloyaltymgr.com
Cash Advance Fee?
2.5% ($5.00 minimum)
What happens if VIP Customer Service cannot help the card holder?
Application was declined. Who do I talk to?
Refer to lending
Does MCU offer credit cards to businesses?
Business cards are not yet available
What is another benefit to the Rewards program besides using them to purchase?
Retail Premium Payback. When shopping at select merchants and you have enough points, you will be asked if you want the discouts.
Foreign Transaction Fee?
1.00% of the finalsettlement amount
What if card holder has a dispute?
Direct card holder disputes to 800-600-5249
FIS - VIP Customer Service can transfer the call or card holder can call direct
I'm unable to make my payments, who do I talk to?
Collections.
What company processes MCU credit cards?
Credit cards are processed by FIS (same company that processes our debit cards)
Where do you go for support on using the rewards?
Award Headquarters at 1-800-854-0790 and for assistance with Travel Center call 1-833-566-5245 (different number for outside the US)
What is the late payment fee?
$10.00 (for payments over $9.00)
When will I get my statement?
Statements are generated around the 15th of the month.
Where do I report an "issue' that has come up with the program?