MyCardInfo

Frequently Asked Questions

What is MyCardInfo? MyCardInfo is a free service that allows you to view your credit card transactions and your statements online.

How do I make a payment on my account? There are several ways to make payments to your credit card account.

1) Coastal’s Digital Banking – You can set up both recurring and one-time payments from your Coastal accounts by logging into Digital Banking through Coastal24.com. Select the Transfer Funds tab to set up or edit recurring payments. For one-time payments you can navigate to the Transfer Funds tab or use the Quick Transfer module on the Account Summary page. This payment method will post to your credit card account within two business days.

2) One-time payment through MyCardInfo – You can make a one-time draft payment from a deposit account at a different financial institution by selecting Make a Payment on the Payments tab of MyCardInfo. Enter the account and routing number, which can be found on the bottom of a check. This payment method will post to your credit card account within a few business days, depending on the other financial institution.

3) Recurring payments through MyCardInfo – You can establish recurring draft payments from a deposit account at a different financial institution by selecting Automatic Payments on the Payments tab of MyCardInfo. Enter the account and routing number, which can be found on the bottom of a check. This payment method will post to your credit card account within a few business days, depending on the other financial institution.

4) Pay by check – You can mail a check with the payment coupon you find attached to your monthly credit card statement. Please send payments to the Payment Address displayed at the bottom menu in MyCardInfo.

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

If I want to Dispute a transaction, what should I do? Select the Dispute Transactions option in Account Services and then select View Transactions. Select the transaction(s) to dispute and click Submit. Select a reason for the dispute, enter your contact information, and click Submit.

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. If you have any questions please contact our member call center by dialing 800-868-4262 option 2.

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 MyCardInfo for full online access.

My card has been lost/stolen, what should I do? Please call 800-868-4262 option 2 to get in touch with our member service team. Our team will disable the card to limit 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 800-868-4262 option 2 to get in touch with Member Service.

General Information

What is APR and how do I find my APR information? APR is annual percentage rate. Your APR determines the amount of interest billed to your account if a balance is carried. You can find your APR on your card agreement or by referring to your monthly statement.

What is a line of credit? 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 the full balance or an amount defined in your card agreement. Generally speaking, it will be 2-3% of the balance plus any fees charged.

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 member call center by dialing 800-868-4262 option 2.

I would like to dispute a transaction 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, you can submit a dispute online by selecting the Dispute Transactions option in the Account Services menu or by completing a Visa dispute and following the steps on the Contact Us option under the Help & Info menu.

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

How does my credit union keep my personal information safe? Your account safety is our primary concern. Please refer to the Privacy Policy page of the Help & 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 member call center by using the number at the bottom of this page or the information on the Contact Us page of the Help & Info menu prior to your departure as a fraud protection measure.

Can I add an additional user to my credit account? To request this, please contact our member call center by dialing 800-868-4262 option 2. They will quickly gather the necessary information from you.

Rewards

What rewards do you offer? Our Premier Rewards and Rewards cards offer a rich rewards program called Share Points. If you have one of these cards, you can access Share Points by logging into Digital Banking through COASTAL24.com or by selecting Share Points through MyCardInfo on the Account Overview page of the Account Info tab.

Account Access

I forgot my account password or user name, how do I get a new one? In the event you are unable to log into your account online please use the I Forgot My Username or I Forgot My Password options displayed on the Log In page.

How do I make a cash advance? You can use a Personal Identification Number (PIN) to make a withdrawal at an ATM or visit a Financial Institution that offers Visa cash. Refer to your card agreement for cash advance fees, rates, and limitations.

How do I get a personal identification number (PIN)? If you would like to set a PIN for your card, simply call 888-891-2435 and follow the prompts. If you have forgotten your PIN, contact our member call center number at the bottom of the page or on the Contact Us page of the Help & Info menu.