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.
The new cards will be issued when your Platinum Rewards card expires, or by June 2023, whichever is first. You will need to activate it upon receipt. Once you activate your Member Cash Rewards+ card the Platinum Rewards card will automatically deactivate. Otherwise, your Platinum Rewards credit card will be deactivated 90 days from the date your new Member Cash Rewards+ card is issued.
When you receive your new Member Cash Rewards+ credit card, we recommend each cardholder activate and use their new card as soon as possible.
Your new Golden 1 credit card account will be valid once you activate it. When you receive your new card, please call the number on the activation sticker (on the front of your card).
• Activate your card and set/reset a PIN by calling the number on the activation sticker (1-888-999-0126).
• Update your mobile wallets and Visa Secure Checkout with your new card information.
• Contact merchants with whom you’ve set up recurring payments and update your card number.
• Update automatic payment transfers within Online/Mobile Banking.
• Update your Card Controls app by:
Resetting transaction alerts (click “Alerts and Controls” then choose Alerts to select your transaction types).
Re-establishing travel alerts within the app (click “Travel Plan” and submit dates/locations).
If you don’t yet have the Card Controls app, you can download it on the Apple App Store® or Google Play StoreTM.
• Your new card may automatically be enrolled in two-way fraud alerts. If you do not wish to receive fraud alerts, you can opt out by texting “STOP” to 21556.
• Reenroll the new card number in ebills.
The Account Activity page will display up to 2 years of transactions. To view transactions beyond this, please refer to your Credit Card Online Statements within the Statements and Documents.
The path to a credit freeze involves informing all three major credit bureaus. Each bureau will ask you to answer several questions to validate your identity, and you'll get a PIN code that you can use to freeze and unfreeze your credit report, as needed.
There is no longer a cost to freeze or unfreeze your credit report thanks to the recently enacted Economic Growth, Regulatory Relief, and Consumer Protection Act. Credit freezes are now free in all states, for both placing the initial credit freeze as well as "thawing" or lifting the credit freeze, either temporarily or permanently.
For more information, click here to visit our free Financial Wellness Portal where you can watch videos, download podcasts, register for webinars, or explore our Learning Lab for self-paced activities that cover some of the most common financial matters.
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.
• Pay on time, every time – A commitment to never make a payment late again is one of the most powerful steps you can take to improve your credit rating.
• Pay down existing debt – Even if you have never missed a payment, a large debt load will lower your score. Explore ways you can lower your interest rates and free up cash to make more than the minimum payments.
• Avoid taking on additional debt – Besides paying down existing debt, make an effort to not take on more debt in the future. Ideally, you should not charge more than you can pay off in full the next month, but at the very least, keep the balances on revolving debt, such as credit cards, under 50% of the credit limit.
• Dispute errors – Many credit reports contain mistakes. Perhaps someone else’s collection account appears on your report, or you were marked late on a credit card you always pay on time. That is why it is a good idea to periodically review your credit report from each of three credit bureaus: Equifax, Experian, and TransUnion. You can get a free copy of your credit report annually from the Annual Credit Report Request Service (www.annualcreditreport.com, 877-322-8228). If you see any errors, contact the relevant credit bureau and dispute them.
You want financial education, we got it! Click here to visit our free Financial Wellness Portal where you can watch videos, download podcasts, register for webinars, or explore our Learning Lab for self-paced activities.
We recommend each cardholder activate and use their new ard as soon as possible.