Important Credit Card Information

We have great news! We will soon be replacing our credit cards with new ones that include EMV chip technology. When you receive your replacement card, it will have an embedded chip that provides better security when used at chip-enabled readers.

You must activate your replacement SCU VISA credit card on or after Sunday, June 18.

You will not be able to activate your new card until that date. Your old card will not work as of Sunday, June 18.

The activation information will be on a sticker on your replacement card when you receive it. Be sure to use your new card after you have activated it. Please destroy the current card after you activate your new card.

The following is additional information about all new cards:

  • You will receive a new PIN for your new credit card in a separate mailing from the new card.
  • With your new Scott Credit Union card, you will soon be able to access your account information through a new site called eZCardInfo via your SCU Online Banking account.
  • We will soon send you information about the new rewards program. If you currently have a rewards card, you will not lose any point you have now.
  • If you make payments to your card automatically through your online account, it will be set up and continue in the new eZCardInfo site. Please log into your online banking account to verify that your automatic payment is correct.

There are some pieces of information that differ based on what type of card you currently have. Please see the appropriate section below for that information.

Information for Rewards Visa Credit Card Holders

You will soon be receiving a replacement Scott Credit Union VISA credit card. Plus, you will still earn rewards and your rate will be 2.00% APR* lower than your current rate on new purchases and balance transfers after you start using the card on June 18, 2017.

We are sending you our new Scott Credit Union Extreme VISA Credit Card with a new expiration date because we recently selected a different company to process credit card transactions. Your card number will remain the same.

The following is additional information about your new card:

  • Please note that any balance you have on your card as of June 18 will be transferred to your new card at the existing rate.
  • If you have automatic debits (i.e. Subscriptions, Internet Service charges, Health Club charges) on your existing credit card account, you will need to contact the merchants and provide your new expiration date to re-establish these automatic payments.

We appreciate you choosing Scott Credit Union for your credit card. We are confident that you will continue to enjoy our no annual fee, low rate credit card! If you have any questions about your new card with a new expiration date, we welcome you to call our Member Service Center at 618-345-1000 or 1-800-888-4728.

Information for Non-Rewards Visa Credit Card Holders

You will soon be receiving a replacement Scott Credit Union VISA credit card with EMV chip technology. Plus, you will be able to earn rewards on your new card and your rate will remain the same!

We are sending you our new Scott Credit Union Extreme VISA Credit Card with a new expiration date because we recently selected a different company to process credit card transactions. Your card number will remain the same.

The following is additional information about your new card:

  • If you have automatic debits (i.e. Subscriptions, Internet Service charges, Health Club charges) on your existing credit card account, you will need to contact the merchants and provide your new expiration date to re-establish these automatic payments.

We appreciate you choosing Scott Credit Union for your credit card. We are confident that you will continue to enjoy our no annual fee, low rate credit card! If you have any questions about your new card with a new expiration date, we welcome you to call our Member Service Center at 618-345-1000 or 1-800-888-4728.

Information for MasterCard Credit Card Holders

You will soon be receiving a replacement Scott Credit Union credit card with the EMV chip technology. Please note that your new card will be a Visa credit card. We are no longer offering Mastercard credit cards. We are pleased to inform you that your new card will allow you to earn rewards points and your rate will remain the same.

We are sending you a new Scott Credit Union VISA Credit Card with a new card number and expiration date because we recently selected a different company to process credit card transactions.

The following is additional information about your new card:

  • THIS IS VERY IMPORTANT: If you have automatic debits (i.e. Subscriptions, Internet Service charges, Health Club charges) on your existing credit card account, you will need to contact the merchants and provide your new card number and expiration date to re-establish these automatic payments.

We appreciate you choosing Scott Credit Union for your credit card. We are confident that you will continue to enjoy our no annual fee, low rate credit card! If you have any questions about your new card with a new account number and new expiration date, we welcome you to call our Member Service Center at 618-345-1000 or 1-800-888-4728.

Information for Business Credit Card Holders

You will soon be receiving a replacement Scott Credit Union VISA Business credit card with EMV chip technology. Plus, you will still earn rewards and your rate will remain the same after you start using the card on June 18, 2017.

We are sending you our new Scott Credit Union VISA Business Credit Card with a new expiration date because we recently selected a different company to process credit card transactions. Your card number will remain the same.

The following is additional information about your new card:

  • If you have automatic debits (i.e. Subscriptions, Internet Service charges, etc) on your existing credit card account, you will need to contact the merchants and provide your new expiration date to re-establish these automatic payments.

We appreciate you choosing Scott Credit Union for your credit card. We are confident that you will continue to enjoy our no annual fee, low rate credit card! If you have any questions about your new card with a new expiration date, we welcome you to call our Member Service Center at 618-345-1000 or 1-800-888-4728.

 

Below are some frequently asked questions about the upcoming changes to our credit card program:

Q. When will the conversion occur?

A. The existing cards will stop working early in the morning on Sunday, June 18. At that time, you will need to activate your new card and begin using it. All of your transactions will be completed during this transition.

Q. Why are we replacing members’ cards?

A. Because we are adding the EMV chip technology that will offer added fraud protection for your card. We are also moving to a new card processing vendor which allows us to offer an improved rewards program on all cards and to offer enhancements to the cards, including text communication with members as an added layer of fraud protection.

Q. Can I activate the new card before June 18?

A. No. You will not be able to activate it until early in the morning on June 18 (between 4 and 6 a.m.).

Q. How do I activate my new card?

A. On or after June 18th, simply call the activation number on the new card. The phone number is 1-800-456-6870.

Q. Will the old card still work after June 18th?

A. No. As of the switch on the morning of June 18, the old card will no longer work.

Q. What is a "chip card"?

A. Chip cards are cards that are embedded with a microchip.  The data on the chip is unique and continuously changes.  This makes it more difficult for a fraudster to commit fraud by creating a counterfeit card or getting any of your personal information if there is a breach at a merchant. The information on the chip for each transaction is the only data transmitted to the merchants when you make a purchase. None of your card or personal information is shared with the merchant. Therefore, Chip cards add an additional layer of fraud protection to the credit card.

Q. If I opened a card recently (after May 4), will it still work after conversion? Will I get a new replacement card?

A. Any card issued between May 5 and June 12 will not get a replacement card prior to conversion. We will be issuing a new card on June 18. You will receive it about 7-10 days after that date. Your existing card will work until you receive and activate the new EMV card.

Q. What should I do with the old card?

A. You should destroy the old card AFTER you activate and start using the new card.

Q. When will I receive the new card?

A. The new card will be mailed to members on June 8th.

Q. What if I will be out of town or want my card sent to an alternate address to make sure I have it to activate and use on June 18?

A. If you are going to be out of town or would like your card sent to an alternate mailing address, please call our Member Service Center at 1-800-888-4728.

Q. What will happen to my rewards points?

A. You will not lose any points. All points will be converted to the new rewards program, ScoreCard Rewards. For a brief period of time in June, you will temporarily be unable to use your rewards points while they are being transitioned to our new program. After that, the points will become available again.

Q. Will I be able to access my credit card account information online or on mobile banking after conversion?

A. Yes, you will access your account information inside of SCU Online Banking the same way you always have. You also will be able to access your reward points via your SCU Online Banking account.

Q. Will my rate be the same on my existing balance?

A. Yes. Any balance that is existing before conversion will go to the new card at the same rate it is prior to the changes to our credit card program.

Q. What will the rate be on new purchases or balance transfers after conversion?

A. For existing rewards cardholders, the rate will be 2.00% APR1 lower on purchases and balance transfers completed after you start using your new card. For example: if your rate is currently 10.90% APR1, it will be 8.90% APR1 on purchases or balance transfers. The rate will be the same for existing non-rewards cards as well as MasterCard, MasterCard Secured, and Business cards on new purchases and balance transfers after you begin using your new card.

Q. Will members get new card numbers?

A. If you currently have a Mastercard with Scott Credit Union, you will be getting a new card number because your card is being converted to a Visa. If you have a Visa card with us already, the card number will remain the same, but the expiration date will change.

Q. If I have a Visa card with SCU will the security/CVV code on the card change along with the expiration date?

A. Yes. The three-digit security/CVV code on the back of your card, as well as the expiration date, will change on your new card.

Q. Will all new card get rewards?

A. Yes. We will be issuing all Visa cards at conversion, and all cards will earn rewards.

Q. If my rate is currently 0.00% APR1, will it stay at that after the new cards are issued?

A. Yes. Your card will still be at 0.00% APR1 after you start using your new card. It will then adjust to a rate as low as 8.90% APR1 after your six-month intro period is over.

Q. Will SCU offer business credit cards and secured cards?

A. Yes. Our business credit card will be replaced with new Visa Business Credit Card with EMV chip and the same rate and rewards. Our MasterCard secured cards will be replaced with a new Visa secured card at the same rate and with rewards.

Q. Will the new cards have the same expiration date?

A. No. All cards will have new expiration dates. Members will need to notify merchants with their new expiration date for any automatic payments they have that are paid with their card.

Q. What number should I call if I lose or have my card stolen?

A. The lost or stolen card number for our new cards is 1-866-839-3485.

Q. If I had an automatic payment set up through Go To My Card online, will the payment still happen automatically after June 18?

A. Yes. The automatic payments will be carried over to the new eZCardInfo system and will still be made on the 25th of each month. Please log into SCU Online Banking and go to your credit card account to verify that the automatic payment is correct after June 18.

Q. What happens if I currently have both a Visa and a Mastercard?

A. You will be issued two new Extreme Visa Credit Cards. The existing Visa will have the same card number with a new expiration date and the new Visa, to replace the existing Mastercard, will have a new card number and new expiration date.

Q. Will my current username and password for Go To My Card transfer to the new eZCardInfo?

A. No. If you access eZCardInfo directly, you will need to enroll and create a new username and password. Remember, if you sign up for SCU Online Banking, you will be able to log in to the eZCardInfo site without entering your information a second time.

Q. What do I need to do if I used my current card to purchase an airline ticket, hotel room, or rental car?

A. You will simply need to activate and present the new card to make your payment for the hotel room or rental car. When checking in for your air travel booked with your current card you may not be able to use the self-check-in option.

Q. How will I access my old statements after the transition?

A. After we transition to the eZCardInfo system you will have access to the past 4 months of historical data. This will be history only, not statements. If you need copies of your statements after the transition, please contact our Member Service Center at 618-345-1000 or 800-888-4728.

Q. How will cash advances work after conversion?

A. The rate is the same for purchases or cash.  There will be a $3000 daily limit for a cash withdrawal per card.

Q. What if the store doesn't have a chip reader?

A. You would simply swipe your card at the terminal as you did with your prior card.

Q. Do I need to do anything different with my chip card when shopping online?

A. No, the process has not changed for purchases made online.

Q. What address do my online bill pay accounts need to be addressed to?

A. You will reference your new credit card number (if it has changed) and the new payee address of PO Box 31021, Tampa FL 33631-3021.

Q. If I am registered for Verified by Visa, will I need to re-register my new EMV card?

A. Yes, the registration does not carry over to the new card. You will need to re-register to participate in Verified by Visa after receiving your new EMV card.

Q. Will my new EMV card be a Chip and Signature card or Chip and PIN?

A. The EMV card issued to you will be a Chip and Signature card for card present transactions. There will be no change for online purchases. It has been reported by the card industry that the PIN typically only addresses fraud when the card is lost or stolen. In the US, fraud from lost or stolen cards is relatively small compared to counterfeit fraud. It is also believed that most credit card users do not use or even know their PIN, making a Chip and PIN card not as convenient to use.