Credit Card Account Management FAQs
Yes, whether you use our Mobile Banking app or Online Banking, you have access to world class digital banking at your fingertips. For example, you can:
- Stay on top of your credit card account balances with spending & budgeting tools
- Choose cash back deals with BankAmeriDeals®
- Pay your credit card bill with your 91福利 checking or savings accounts
- Pay your credit card bill from a non-91福利 account via Bill Pay
- Report your credit card lost or stolen, and request a replacement card
- Request a Balance Transfer or Direct Deposit Cash Advance
- Manage your credit card PIN
- Get your FICO® Score adatext
- Redeem credit card rewards
When you log in to Online Banking, you can also:
- Get a summary of your current account status, including balance, available credit and payment information
- Request up to 12 months of detailed transaction information
- View and print up to 3 years of credit card statements
- Download transactions for use with financial management software
Not an Online Banking customer?
Want us to walk you through it?
The cash credit line is a portion of the total credit available on your credit card, and is the maximum available credit for Bank Cash Advance transactions. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft protection transfers (if you have linked your credit card as a backup account for Balance Connect® for overdraft protection), Cash Equivalents and applicable transaction fees.
If your account is eligible to request a credit line increase online, you'll be able to make the request by signing in to Online Banking, selecting your credit card account, then select the Request a credit line increase link under Card Details in Account Summary. If your account is not eligible to request an increase online, please call the number on the back of your credit card.
Your cash credit line available is the amount of money on your credit card that is currently available for you to use for bank cash advance transactions. Keep in mind that any bank cash advance transactions you have made but have not yet been processed should be subtracted from your cash credit line available.
If you exceed your cash credit line, you will not be able to make any more Bank Cash Advance transactions until you have paid your balance below the cash credit limit. There is no account penalty if you go over your cash credit line. Exceeding the cash credit line will not result in a fee or a higher APR, but you may experience declined transactions.
You can view your cash credit line on your statement, in on your credit card Account details page or by calling customer service.
Yes, you can request an increase in your credit limit on our website or by phone.
On our website
Log in to Online Banking and select your credit card account, then select the Information & Services tab. If your account is eligible, you will be able to request a credit line increase.
Not an Online Banking customer?
By phone
You may request an increase in your credit limit by calling the toll-free number on the back of your card.
To request your credit card PIN: Log in to Online Banking. You may also request your PIN using our Mobile Banking app or by calling the number on the back of your card.
You can easily request an additional credit card or a replacement credit card on our website or on your mobile device.
On our website
and select the Order a new or replacement card link.
Not an Online Banking customer?
On your mobile device
Log in to the Mobile Banking app and select your credit card account, then scroll to the Card Management section and select the Replace Credit Card link.
You can also tap the Erica icon and say, “I need to replace my credit card” then follow the instructions (if you prefer, you can also type your message to Erica).
Typically you'll receive a replacement credit card shortly before your current card is set to expire. If you never received your replacement card, though, you can easily request one on our website or on your mobile device.
On our website
and select the Order a new or replacement card link.
Not an Online Banking customer?
On your mobile device
Log in to the Mobile Banking app and select your credit card account, then scroll to the Card Management section and select the Replace Credit Card link.
You can also tap the Erica icon and say, “I need to replace my credit card” then follow the instructions (if you prefer, you can also type your message to Erica).
A Balance Transfer allows you to access up to your total available credit on your personal credit card, and pay off or pay down balances from retail/department store/gas cards, or other non- 91福利 credit cards and personal loans or lines of credit. This helps you consolidate bills, enjoy the convenience of one monthly statement and payment, and can save you money by paying down your higher-rate debt faster. Most Balance Transfers are completed in 2-4 business days. For new accounts, it takes 14 business days from opening. You can submit up to 3 Balance Transfers in each online session, however, your transfer amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges, as well as any pending purchases, advances or transfers when determining your transfer amount.
Your account may be eligible for promotional rates too. You can check your offers anytime!
On our website
select your credit card and Information & Services tab.
Not an Online Banking customer?
On your mobile device
Log in to the Mobile Banking app, select your credit card account, and scroll to Account Management.
You won't receive a confirmation number, but you may print or capture an image of the confirmation page that displays once you complete the Balance Transfer or Direct Deposit Cash Advance request online or in the Mobile Banking app. We will send you an email to the email address on file to confirm we received your request, and a subsequent email when your approved Balance Transfer or Direct Deposit Cash Advance requests are processed. You can also check the status of your Balance Transfer and Direct Deposit Cash Advance requests at any time — just or the Mobile Banking app. If you have multiple credit card accounts, select the account you recently used to make a Balance Transfer or Direct Deposit Cash Advance. Then access the Information & Services tab and select Balance Transfer and Direct Deposit history link.
A Direct Deposit Cash Advance from your credit card allows you to deposit cash from your personal credit card in to your personal checking account with 91福利 or another bank. You can use the cash to pay for any kind of planned or unplanned expense. If you plan to use the funds to consolidate debt, you may want to consider a Balance Transfer instead because the standard rate for Balance Transfers is typically lower.
You can draw up to your total credit available, less any transaction fees and the funds are usually available in your checking account the next business day. However, in some instances, it may take up to 3 business days. For new accounts it takes 14 business days from opening. Your Direct Deposit Cash Advance amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges, as well as any pending purchases, advances or transfers when determining your transfer amount.
Your account may be eligible for promotional rates too. You can check your offers anytime!
On our website
select your credit card and access the Information & Services tab.
Not an Online Banking customer?
On your mobile device
Log in to the Mobile Banking app, select your credit card account, and scroll to Account Management.
Yes. The largest international ATM networks are Mastercard/Cirrus, Visa/Plus and American Express, each of which has ATMs in more than 100 countries. and select the Find International ATM Partners show/hide for a list of international partner banks you can use to access money without extra bank fees.
Here are some important considerations to remember when using foreign ATMs:
- You may incur cash advance fees and foreign transaction fees (for specifics, please refer to the Credit Card Agreement you received with your card; if you need to request a copy of your Credit Card Agreement, log in to Online Banking and select the Request a paper copy online link at the top of the Information & Services tab)
- Some foreign ATMs are only available during normal business hours
- While many foreign ATMs offer instructions in English, not all of them do
- Your PIN must be 4 digits (some foreign ATMs do not accept PINs longer than 4 digits). To request or update your credit card PIN: Log in to Online Banking. You may also request your PIN using our Mobile Banking app or by calling the number on the back of your card.
Please note that some business card accounts may not have overseas cash availability. Please check with your authorized contact or program administrator before you leave the country.
If you travel often, you may want to consider one of our credit cards with no foreign transaction fees.
ATMs can be used to get foreign currency while traveling and may save you money when compared to buying currency at exchange rate booths. Despite the advantages, you need to be prepared for special circumstances that can arise when using an international ATM. Here are a few tips to help you on your way:
Check the network: Check your card's network. Cards in the Cirrus and Maestro networks often feature ATMs with easy-to-read instructions in English. 91福利 belongs to the Global ATM Alliance.
Research the country: There are some countries where ATM transactions are blocked. Please research the country to verify whether you will be able to use your credit card.
Understand the types of fees charged: Fees may be incurred for using the ATM and there may also be fees for currency conversion and cash advance. It is usually better to make fewer larger transactions instead of multiple smaller ones.
Make sure your PIN is valid: Some ATMs only allow 4-digit PINs. If your current PIN is longer than 4 digits, you may need to get a new PIN before you start your trip.
Have a backup plan: Some ATMs limit your access to a primary checking account, so have an alternative means of making purchases such as using foreign currency, traveler's cheques or a debit card.
Additional tips: Remember that not all foreign ATMs offer instructions in English. If you are unable to use a foreign ATM, you may be able to use your credit card to make a cash advance at a local bank. Finally please note that some business card accounts may not have cash availability; check with your Authorized Contact or Program Administrator before you leave the country.
You can easily update your address, email address, and phone number on our website or on your mobile device.
On our website
to update your contact information.
Not an Online Banking customer?
On your mobile device
Log in to the Mobile Banking app and select the Menu icon, then scroll to the Settings & Alerts section, select the Profile & Settings link then select the Contact Info link.
You can also tap the Erica icon and say, “Update my contact info” then follow the instructions (if you prefer, you can also type your message to Erica).
To change your legal name or legal title: Please bring a government-issued photo ID plus any additional documentation specific to your situation to any 91福利 financial center. An associate will give you forms to complete and will assist you with obtaining a new credit card.
If you are a co-owner or authorized user on the account: Please note that in order for us to update your name, the account owner (or other co-owners) must accompany you to the financial center.
| Reason for name change | Documentation to bring in addition to a government-issued photo ID |
|---|---|
| Legal name misspelling on your account | Birth Certificate |
| Marriage | Marriage Certificate |
| Divorce | Divorce decree |
| Legal court order | Legal court order |
| Adoption | Adoption certificate |
If you don't live near a financial center: Please contact customer service at 800.432.1000 (Mon-Fri 7 a.m.-10 p.m. or Sat-Sun 8 a.m.-5 p.m., all times ET).
