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Credit Card FAQ

Key FAQs

MyCardInfo

Activation and Use

General Information

Rewards

Account Access

Key FAQ

What is changing with my WPCCU credit card?
We are moving to a new credit card processing processor to provide you with advanced fraud prevention and new card management tools. 

Use your card as you normally do to make purchases. There will be some changes on how you manage your account, so we encourage you to review the FAQs and contact us at 800-300-9728 if you have any questions.

How do I make a payment?
To access card information and make payments, follow the steps below:

  • Login to online banking or mobile banking
  • From the Dashboard / Account summary, click the appropriate credit card
  • You will be automatically redirect to the MyCardInfo site, where you can manage the card selected

You can also manage your credit card account by click the credit card widget (button) located in the More section. After click the widget, choose your credit card from the Card Information menu displayed, which will redirect you to the MyCardInfo site.

Note: There are two ways to make a payment.
1.    From the online banking summary screen, the PAY button is next to the specific credit card. When clicked, it will redirect to the MyCardInfo payment page
2.    Follow the steps below to access the MyCardInfo site 

  • Login to online banking or mobile banking
  • From the Dashboard / Account summary, click the appropriate credit card
  • You will be automatically redirected to the MyCardInfo site, where you can manage the card selected

Do I need to make any changes if I make my monthly payment with an automatic transfer from my WPCCU savings or checking account to my credit card on the due date at the end of the month?
No. If you make your monthly payment with an automatic transfer on the 25th of the month from your WPCCU savings or checking account, your payment will post as before.

Why are you changing the credit card program?
WPCCU continually looks for ways to provide members with products and services that help you earn more and save more. By switching to a new processor, we are able to keep costs down, increase operational efficiency, and be innovative. 

Do I need to do anything because of the new WPCCU credit card program?
We encourage you to review the Frequently Asked Questions to familiarize yourself with some of the new changes. Should you have any questions, please contact us at 800-300-9728.

How do I access my credit card account information?
To manage your credit card account, login to WPCCU online or mobile banking and click your credit card from the Dashboard / Accounts summary. You’ll be redirect to the MyCardInfo site automatically.

How do I access my credit card eStatement?
eStatements can be viewed in online and mobile banking. In addition, you’ll be able to view your statements in the MyCardInfo site.

Where do I mail my payment?
All credit card payments should be mailed to:
WPCCU, P.O. Box 37035, Boone, IA 50037-0035

When is my credit card payment due?
There is no change to your credit card payment due date on the 25th of each month.

MyCardInfo

What is MyCardInfo? MyCardInfo is a service provided free of charge by Water and Power Community Credit Union which allows you to view your credit card transactions and your statements online. It also provides information on who to call with questions, payment addresses, and how to handle fraud and dispute claims.  

How do I make a Payment on my account? The easiest way to make a payment is through the Make A Payment option in MyCardInfo. By entering your checking or savings account information, you can have a payment posted to your account within a few business days. Also, you can make a payment by stopping in at your local Water and Power Community Credit Union office or by mailing your payment to the address provided on the Make a Payment page. If you have any questions, please contact our customer call center by using the information on the Contact Us page of the Help & Info menu.

I suspect Fraud or Forgery, what should I do? Visit our Contact Us page under the Help and Info menu and fill out a Fraud and Forgery Affidavit. Complete the form, and fax it to the number provided on the form. You may also mail it to the address provided on the Contact Us page.

I want to Dispute a transaction, what should I do? Visit our Contact Us page under the Help and Info menu and fill out a Dispute form. Complete the form, and fax it to the number provided on the form. You may also mail it to the address provided on the Contact Us page. 

Is MyCardInfo safe? MyCardInfo is designed to keep your account information secure. Your session will time out after 20 minutes of inactivity and your account number is never displayed on the screen. Also, you have the ability to select specific security controls that only you would know. If you have any questions please contact our customer call center by using the information on the Contact Us page of the Help & Info menu.

Activation and Use

 How do I activate my account? When you receive your card, please call the number provided on the activation label on the card. If no label is attached, call the number on the back of your card. In both situations, it is best to call from your home phone. Once your card is activated, don’t forget to enroll in for full online access.

My card has been lost/ stolen, what should I do? Please call the number on the back of your card immediately to report your lost card. If you do not know the number to call, visit the Contact Us page of the Help & Info menu. Our customer service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where your card was lost / stolen and the last authorized transaction on the card.

I think I have fraud on my account, what should I do? Please call the number on the back of your card immediately to report any fraud. f you do not know the number to call, visit the Contact Us page of the Help & Info menu.

What is Mastercard SecureCode and how do I register? Mastercard SecureCode is another layer of security Mastercard offers its members for online purchases. Please visit Mastercard’s website to register and for more information.

How can I get my credit limit increased? Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call the number on the back of your card to request the additional amount. If you do not know the number to call, visit the Contact Us page of the Help & Info menu.

General Information

What is APR and how do I find my APR information? APR is Annual Percentage Rate, this is the amount of interest that is billed to your account for the convenience of carrying a balance. Please review your card agreement and welcome letter for complete APR details.

What is a credit line? This amount is listed on the card carrier, the letter to which your card was affixed, in the upper right corner. You may also view your credit line and the balance remaining for purchases and cash advances on the Account Overview page once you have logged into MyCardInfo

What is a minimum monthly payment? This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to an amount decided upon by Water and Power Community Credit Union. Generally the minimum amount calculation is made available in your card agreement, welcome letter, and can be obtained by contacting Water and Power Community Credit Union.

 Who do I talk to if I need help understanding my credit card statement? If you have questions regarding your statement or if you feel there is an error please contact our customer call center by using the information on the Contact Us page of the Help & Info menu.

I have a dispute on my credit card statement, what do I do? If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps:

  1. Double-check your receipts and check with other authorized users of your card. 
  2. Contact the merchant where the purchase originated. 
  3. If you are unable to resolve your dispute with the merchant, please complete and mail or fax the appropriate form on the Contact Us page of the Help and Info menu to the designated number. 

If you have any questions, please contact our customer call center by using the information on the Contact Us page.

How does Water and Power Community Credit Union keep my personal information safe? Your account safety is our primary concern. Please refer to the Privacy Policy page of the Help and Info menu for specific policies and information.

I am traveling internationally, can I use my credit card? Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We do strongly recommend that you call our customer call center by using the information on the Contact Us page of the Help and Info menu prior to your departure as a fraud protection measure.

Can I add an additional user to my credit account? Most times Water and Power Community Credit Union will grant additional user. To request this, please contact our customer call center by using the information on the Contact Us page of the Help and Info menu. They will quickly gather the necessary information from you.

Rewards

 What rewards do you offer? Water and Power Community Credit Union may offer rewards based on the type of card you have. To receive specific information as it relates to your card, please contact us by using the information on the Contact Us page of the Help & Info menu.

Account Access

How do I make a cash advance? Water and Power Community Credit Union may offer cash advances on your card. You may contact us by using the information on the Contact Us page of the Help & Info menu or refer to your card agreement for more information. Generally you can use a Personal Identification Number (PIN) to make a withdrawal at an ATM or visit a Water and Power Community Credit Union that offers cash advances on the type of card you have been issued. Refer to your card agreement for cash advance fees, rates, and limitations.

How do I get a personal identification number (PIN)? Water and Power Community Credit Union may have issued a PIN at the time your card was sent to you. If you did not receive the PIN, you can request a new one by contacting us with the information on the Contact Us page of the Help & Info menu.

Are there any changes to my cash rewards?

No. All program details remain unchanged. Cash rewards will continue to accrue through November, and then posted to member accounts in December as normal. Cash reward totals will be shown on monthly credit card statements. 

How do I request a replacement card? 

For assistance, please call us at 800-300-9728.

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