Credit Card FAQ

Credit Card Frequently Asked Questions

I applied for my UICCU VISA Card. When should I expect to receive my card?

Upon approval, you will receive your card in 2 – 3 weeks.

How can I access my UICCU VISA Card information?

Access your UICCU VISA information through I-Branch Home banking. If you’re a current iBranch user, just select your VISA Credit Card from the the top navigation tabs and follow to your account information. VISA information can also be accessed by calling Cardholder Services at 866-264-1330.

What is my VISA® Personal Identification Number (PIN)?

You can use the PIN to access cash advances and other services. PINs are not assigned or changed at the credit union. To set or change your PIN call 217-278-7700. The international number to call for a lost or stolen card is (727)299-2449.

What should I do if my VISA® credit card is lost or stolen?

Call 800-449-7728. When you call, a VISA® representative will take your information, place a block on your account, and order a replacement card (at your request).

What if a charge I don’t recognize is on my billing statement?

We recommend that members contact the merchant or company to inquire about the nature of the charge before submitting a dispute; you may find an 800/888 number listed directly below the merchant’s name on the statement. Please call 866-264-1330 with further inquiries or log on to your account online to electronically dispute.

I will be traveling with my card, what steps can I take to avoid any issues with my VISA credit card?

Call the credit union at 1-877-678-4328, or send a secure message in the credit union’s iBranch home banking system indicating location(s) of travel and dates. We recommend notifying the credit union at least 72 hours prior to your planned travel. Your travel plans will be noted on your VISA credit card account profile which can reduce the chance of fraud monitoring systems restricting access on your VISA credit card account.

When I log into my account, I have an Alumni Savings account listed with a $5 balance? Where did the $5 come from?

When you were approved for a UIAA Affinity Card, you also became a member of the U of I Community Credit Union (UICCU), the provider of your card. A UICCU non-transactional savings account was opened for you and the $5 minimum balance was funded by the credit union. Although you cannot receive deposits or withdraw funds from the Alumni Savings, you can open a transactional Membership Savings account at any time.

Where do I mail my VISA Credit Card payment if I am using Online Bill Pay from my UICCU or other checking account?

The mailing address for payments is: VISA, PO Box 660493, Dallas, TX 75266-0493.

 

EMV Card Frequently Asked Questions

What is EMV?

EMV (Europay, Mastercard®, Visa®) is a micro-computer chip technology that provides increased security capability. EMV chip cards are equipped with a small metallic square on the front of the card that holds card information. Originating in Europe, EMV technology has been instrumental in preventing the spread of credit card fraud.

How does EMV technology help to prevent fraudulent card activity?

The microchip implanted in the card adds another layer of security to all transactions. When using an EMV card to process a transaction, the chip sends a random code to the terminal that is unique to your card and your PIN number. In addition, the code is randomly generated and changes with each transaction. Therefore, even if your card data is compromised, the information is useless without your microchip and your PIN number.

Do the EMV chip cards still have the magnetic strip?

Yes, your new EMV chip card will include the magnetic strip, giving you dual-purpose technology to enhance your purchasing capabilities. This means that you will be able to use EMV chip at retailers who support EMV processing, and the magnetic strip at all other locations.

Do I use my EMV chip card differently?

Yes, Instead of swiping the card at the terminal, EMV cards will need to be inserted in the terminal until the transaction is finished. Once the transaction is finished, the terminal will release the card back to you.

 

For additional information or assistance, please call 217-278-7700 or visit any of our branch locations.