Find answers to all things credit card.




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 our payment page and follow the simple steps. You can also use this free service to pay credit cards and lines of credit.

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 is a Balance Transfer and how does it work?
A balance transfer allows you to move balances from one credit card to a lower rate credit card to simplify your payments and save money on interest. You can transfer your high rate credit card balances to your Golden 1 credit card by signing into Online Banking, select your Golden 1 credit card account and "Credit Card" under Account Details then Menu, Manage Card and Balance Transfer. 


What should I do if I am planning to travel out of town and use my Golden 1 card?
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 is not fraudulently used – and alert you immediately if it is.

Inform us of your travels by:
  • 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 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.

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

We offer three options for disputing a charge on your credit card statement:

  1. File a claim at any time within your online banking portal or the mobile banking app.
    • Online banking: From the home page, click on the account for which you would like to submit a fraud claim. Once on the Account Details page, click “More actions” and select “Dispute a Transaction.” 
    • Mobile banking: From the home screen, tap on the account for which you would like to submit a fraud claim. Once on the Account Details screen, tap on the three dots icon at the top right corner and select “Dispute a Transaction.”
  2. Call our Member Service Contact Center at 1-877-465-3361 to file a claim between the hours of 7:30 am and 6:00 pm Monday – Friday or 9:00 am and 5:00 pm Saturday – Sunday. Please note that our after-hours representatives are not able to file claims. If you call outside the regular call centers hours, you will be encouraged to use the online self-service option for the immediate assistance.
  3. File a claim in person at any Golden 1 branch during operating hours.

I received convenience checks for my Golden 1 credit card account, but have lost or misplaced them. Can I request replacement checks or additional checks?
Convenience checks are not available on-demand for your Golden 1 credit card account and cannot be replaced when they are provided by Golden 1. However, fee-free balance transfers to your Golden 1 credit card can be done online or by calling our Member Service Contact Center to request the required form. The form may be returned by mail or to any Golden 1 branch.
Please call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361) to report any lost or stolen convenience checks.

Click here if you want to order checks for your checking account instead.
Is there a fee to transfer other credit card balances to my Golden 1 credit card?

There is no fee for balance transfers to a Golden 1 credit card account.*

*Other fees apply.

View all Credit Card Account Agreements and Disclosures

How do I pay my bills online?

Online Banking makes paying your bills easy with our online Bill Payment service. You can receive and pay bills, schedule recurring payments and track your payment history. To get started, sign on to Online Banking, click on the Pay Bills tab. Complete a few easy steps and you're enrolled. Once you've enrolled, visit our Bill Payment page to learn how easy it can be to pay your bills online.

1Online Bill Payment is only available to members 18 and older.

How do I add an authorized user to my Golden 1 credit card account?
To add an authorized user, please download an Authorization Form and submit it online, by mail, or at your nearest branch. Authorized users must be at least 16 years of age. After we process your form, the authorized user will receive their own Golden 1 credit card, connected to your account, by mail. It can take up to 7 – 10 days to receive the new card.