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Credit Card Information
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- Where can I find a MasterCard® card that has the interest rate or special benefits program to fit my lifestyle?
- What is the difference between a MasterCard® Credit Card and a MasterCard® GLOBAL PAYMENT™ Card?
- What factors are considered when my application is reviewed?
- How do I increase my credit limit?
- Where can I get a list of MasterCard®/Cirrus® ATM locations?
- How do I get emergency assistance from MasterCard® while traveling?
- How can I find out information about my existing MasterCard® accounts (such as changing contact information or requesting additional cards)?
- Can I get access to my MasterCard® account information over the Internet?
- How do I dispute a charge on my credit card?
- What are pending authorizations?
- How do I report a lost or stolen card?
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1. Where can I find a MasterCard® card that has the interest rate or special benefits program to fit my lifestyle?
At OMISTA Credit Union we understand that you are an individual with your own unique needs and wants. That's why we offer many MasterCard ® Card options with different interest rates and special benefit programs to fit your own unique lifestyle. To find out more information about the different MasterCard® Card options offered by OMISTA please visit out Credit Card page.
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2. What is the difference between a MasterCard® Credit Card and a MasterCard® GLOBAL PAYMENT™ Card?
Only offered through the Credit Union system, a MasterCard® GLOBAL PAYMENT™ Card looks like a credit card but functions like a cheque. When a you use the card, the purchase amount is withdrawn from your Credit Union chequing account or line of credit (whichever it is attached to) instead of being held on credit like a credit card until your payment is made. This card is ideal for Credit Union owners who want the convenience of a MasterCard® card without using credit.
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3. What factors are considered when my application is reviewed?
Approval policies vary depending on the financial institution issuing the card. At OMISTA Credit Union, your employment and your credit histories are among those things that will be considered when you apply for any card.
Visit our Credit Card page to select a card that fits your lifestyle and suites your unique needs.
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4. How do I increase my credit limit?
You can request an increase by completing a Change Credit Limit request. Requests are checked daily by our customer service team. If your card is a Business MasterCard® card, please fax your request, dated and signed by the authorized business contact on company letterhead, to 1-306-566-1770.
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5. Where can I get a list of MasterCard®/Cirrus® ATM locations?
The MasterCard®/Cirrus® ATM network is the largest in the world, giving you immediate access to cash wherever you go. To locate an ATM in a particular place, try out ATM Locator, or within Canada and the U.S., call 1–800–4CIRRUS (1–800–424–7787). Outside Canada and the U.S., contact a financial expert at any of our three branches.
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6. How do I get emergency assistance from MasterCard® while traveling?
MasterCard® provides many services to assist you whether you’re close to home or half way around the world. Look through our Emergency Services area that will lead you to listings of toll-free Global Service™ phone numbers around the world.
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7. How can I find out information about my existing MasterCard® accounts (such as changing contact information or requesting additional cards)?
All account-specific information is managed by the financial institution that issued your card. If you are an OMISTA Credit Union owner and/or your MasterCard® Card was issued by OMISTA Credit Union please contact any of our financial experts to change your contact information or to request additional cards.
This contact information can usually be found on the back of your MasterCard® or on your billing statement.
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8. Can I get access to my MasterCard® account information over the Internet?
OMISTA Credit Union offers all owners the ability to access their MasterCard® account information over the internet through online banking. To access your account please click here.
To sign up for online banking please submit your request through the "Who can Help me?" link on our contact page, or contact one of our financial experts by calling or visiting any of our three branches.
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9. How do I dispute a charge on my credit card?
If there is a transaction on your statement that you believe is an error, please go to Account History, at www.cucardsonline.com and sign in, select the statement date that contains the transaction(s) in question. From there, you can select the transaction. There is a Dispute this transaction link on the resulting page where you can submit a dispute inquiry. You can view the status of your dispute inquiry using the Check Messages menu option.
For your security, please report any unauthorized transactions or discrepancies to Credit Union MasterCard® immediately by calling 1-800-LOST-111 (1-800-567-8111).
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10. What are pending authorizations?
When you present your card or credit card number to a merchant for payment, an authorization is created. Until the merchant submits the transaction to the issuer for posting, your authorization is considered pending. When the issuer receives the transaction from the merchant, it is posted to your account, subtracted from your pending authorization balance and added to your current balance.
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11. How do I report a lost or stolen card?
If your card is ever lost or stolen, you can have it cancelled immediately by calling Credit Union MasterCard® toll-free at 1-800-LOST-111 (1-800-567-8111), or call collect at 1-306-566-1276 if you are traveling outside of North America. Customer service representatives are available to assist you 24 hours a day, seven days a week, 365 days a year. They will cancel your card immediately and order you a replacement card. At your request, you can get your card sooner (within 24 - 48 hours to most travel locations). They can also provide you with emergency cash, billable to your credit card account, to keep you going until the card arrives.
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