Find answers to all things credit card.




How can I change my Personal Identification Number (PIN) for my ATM or Debit Card?

If you know your current PIN, you can change it by calling 1-844-576-7257, which is available 24 hours a day, 7 days a week, or at any Golden 1 ATM machine.

If you forgot your current PIN, you will need to go in to a branch to change it, for security reasons.

How can I increase the credit limit on my Golden 1 secured credit card?

You can request a credit limit increase at any Golden 1 branch, or over the phone through our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361). We will verify some information with you, and it may be necessary to access your credit report. If your request is approved, your credit limit increase will be updated by 12 noon the next business day. 

What if I want to dispute a charge on my Golden 1 credit card statement?

Contact our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361), or visit any Golden 1 branch for assistance in disputing a transaction on your credit card statement.

Where can I mail my payments?

Loan Payments & Home Equity Payments:
Golden 1 Credit Union
P.O. Box 15249
Sacramento, CA 95851-0249 

Credit Card Payments:
Golden 1 Credit Union
PO Box 15318
Sacramento, CA 95851-0318

First Mortgage Payments:
Golden 1 Credit Union
P.O. Box 7168
Pasadena, CA 91109-7168

You can also make a loan payment online. Pay your loan via your smartphone or online. This service is available anytime from anywhere and you don't need a user ID or password. Visit and follow the simple steps. You can also use this free service to pay credit cards and lines of credit.

How do I report a lost or stolen Golden 1 Debit card, credit card, or ATM card?

As soon as you're aware that your Golden 1 Debit card, credit card, or ATM Card has been lost or stolen, call 1-800-462-1663, at your earliest opportunity. This toll-free number is available 24 hours a day, 7 days a week to report lost or stolen cards. When you call, we will assist you in ordering a new card. You should receive a replacement card in the mail 7-10 days after submitting your report. In addition, a new PIN will be sent in a separate mailing for security purposes.

Credit Cards Only

If you are on vacation or out of the country, Visa® offers an emergency credit card replacement service. For a Visa emergency card replacement, call 1-800-853-5626, 24 hours a day, 7 days a week. If you find unauthorized charges have been made with your card, immediately call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361) and we will advise you on how to file a claim.

What should I do if I am planning to travel and use my Golden 1 Debit or credit card outside of the United States?

If you’re planning a trip out of town and expect to use your Golden 1 Debit or credit card, let us know ahead of time. We can safeguard your account while you’re gone to help ensure your card isn’t fraudulently used – and alert you immediately if it is.

Inform us of your travels by:

  • Setting Travel Plans in the Card Controls app
  • Sending us a secure message in Online Banking or
  • Calling our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361)

How can I activate my Golden 1 credit card?

Once you receive your Visa card in the mail, please call the number on the activation sticker (on the front of your card).

You can also sign on to Online Banking to activate your card. Within Online Banking, select your credit card under the "Overview" or "Accounts" tab. Your card can be activated by using the CVV code on the back of the card, expiration date, and ZIP code. Once the activation steps have been completed, your card is activated immediately and ready to use.

How do I set travel notifications for my Golden 1 Debit and credit card?
You can set travel notifications for your Debit and credit card in Online Banking or in our Card Controls app.

In Online Banking:
  1. Click Settings in the upper right corner
  2. Click Security Center
  3. Select Card Controls and Alerts
  4. On the Control Preferences tab click on Locations and click on the Toggle next to My Regions or International depending on the location and add Region or Country.

 On the Card Controls App:
  1. Sign in to the Card Controls app
  2. On the Card Details page, tap the Travel Plan icon
  3. A one time passcode will be sent to you through SMS text to the phone associated with the Debit card
  4. Enter in the one time passcode
  5. Enter in the depart date, return date and the location
  6. Hit Save

The travel plan will be saved and you can set up two travel notices per card. For any questions please call our Member Service Contact Center at 1-877-465-3361.

How can I view the history on my accounts? Will I be able to see if a check has cleared?

With Online Banking, you can easily access your savings, checking, credit card, and loan accounts, as well as view current or past account statements. You can even view your certificate and IRA accounts. To view images of checks that have posted to your account, visit the Account Activity page, then click the check icon next to your transaction.

We also offer Mobile Banking which lets you access your account history and activity from your mobile device. To view check images within Mobile Banking, tap on your checking account, then tap the transaction.

For step-by-step instructions, watch our Online and Mobile Banking demos.

How can I change the PIN on my credit card?

To change the PIN on your Golden 1 credit card, please call 1-888-999-0126. Please note: you will need to call from the phone line registered on your account for verification purposes.