MyCardInfo

What is MyCardInfo? MyCardInfo 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 enroll? Enrolling is as simple as entering your account information, assigning a Username, Password, and Personal Security Code, and completing a few security controls. You will then have access to your online account. If you are not currently enrolled or logged into the MyCardInfo system yet, just click on the HOME link at the bottom of the page and you'll be re-directed to our Enroll/Login page.

What if my Username or Password does not work? If you encounter any questions or concerns that are not answered by following the online instructions during your enrollment or login process, call (888) 4ATIRA1 (888-428-4721).

How do I make a Payment on my account? You can make a payment by stopping in at your local credit union office or by mailing payment to:
Atira Credit
PO Box 10415
Des Moines, IA 50306-0415
If you have any questions, please contact our customer call center at (888) 4ATIRA1 (888-428-4721).

If I suspect Fraud or Forgery, what should I do? Visit our Online Assistance page and fill out a Fraud and Forgery Affidavit. Complete the form, and fax to (515) 457-2074 or mail to:
Fraud Department
PO Box 14542
Des Moines, IA 50306

If I want to Dispute a transaction, what should I do? Visit our Online Assistance page and fill out a Dispute Form. Complete the form, and fax to (515) 457-2074 or mail to:
Cards Risk Management Team
PO Box 14542
Des Moines, IA 50306

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 (888) 4ATIRA1 (888-428-4721).

Activation and Use

How do I activate my account? When you receive your card, please call 888-691-8661 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 (888) 4ATIRA1 (888-428-4721) immediately to report your lost card. 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 (888) 4ATIRA1 (888-428-4721) immediately to report any fraud.

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? ATIRAcredit proactively adjusts your credit limit in response to your credit score. Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call (888) 4ATIRA1 (888-428-4721) to request the additional amount.

General Information

What is ATIRAcredit? Your credit union has partnered with ATIRAcredit to provide you with a Platinum Rewards MasterCard. Your relationship with your credit union is unchanged and you are still able to make payments at your branch. In addition, ATIRAcredit also gives you added credit card benefits such as 24/7 customer service, online account information, and a generous rewards program without any annual fees.

What are the benefits of having a Platinum card? Your platinum card gives you the prestige of having a top tier card with a generous rewards program. It also combines great benefits at no additional cost such as Zero Liability fraud protection and a $250,000 travel insurance policy that is automatically added when you use your ATIRAcredit Platinum MasterCard.

How do I transfer another credit card balance to my ATIRAcredit card? Your ATIRAcredit card allows you to consolidate all of your credit card bills onto one low interest card. You may transfer a balance by calling (888) 4ATIRA1 (888-428-4721), be sure to have the billing information on the card that you wish to transfer the balance from, as well as your ATIRAcredit card number.

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. There is at least a 20-day grace period during which no interest will be charged on that month’s merchandise purchases. Please note that cash advances do not have a grace period. Your APR is variable, tied to the Wall Street Journal Prime Rate. Please review your card agreement and welcome letter for complete APR details.

What is a line of credit? This amount is listed on the card carrier, the letter that your card was glued to, 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 3% of the new balance but at least $20. If the new balance is less than $20, then the minimum payment would be equal to the new balance.

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 (888) 4ATIRA1 (888-428-4721).

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. First, double-check your receipts and check with other authorized users of your card. Second, contact the merchant where the purchase originated. Finally, if you are unable to resolve your dispute with the merchant, please complete and mail or fax the appropriate form on our Online Assistance page to the designated number. If you have any questions, please contact our customer call center (888) 4ATIRA1 (888-428-4721).

How does ATIRAcredit keep my personal information safe? Your account safety is our primary concern. Please refer to our Privacy Policy for specific policies and information.

I am traveling internationally, can I use my ATIRAcredit 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 (888) 4ATIRA1 (888-428-4721) prior to your departure as a fraud protection measure. When traveling internationally please use the direct dial number of 00-1-515-457-5568. The toll free number will not work outside the United States.

Can I add an additional user to my ATIRAcredit account? Yes, please call our customer call center (888) 4ATIRA1 (888-428-4721). They will quickly gather the necessary information from you and send out the second card, there is no fee for adding a secondary user.

Rewards

What rewards do you offer? ATIRAcredit offers a full and generous rewards program. You may choose from cash, air, land, and sea travel, merchandise, or gift cards just to name a few.

How do I redeem my rewards? Please visit our rewards website for full details.

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 call (888) 4ATIRA1 (888-428-4721) or use the I Forgot My Username or I Forgot My Password options in MyCardInfo.

How do I make a cash advance? There are three convenient ways to get cash from your ATIRAcredit card. You may visit your credit union branch of call to request a PIN to make withdrawals from any ATM.

How do I get a personal identification number (PIN)? As a security measure to protect you, the card member, personal identification numbers (PINs) are not created unless they are requested. To request or to change your PIN, please call (888) 4ATIRA1 (888-428-4721).

eStatements

ATIRAcredit offers eStatements - an electronic version of your paper statement. Using your current email address, you can have a monthly statement notification automatically delivered directly to your email inbox! You can access your statement anytime, day or night through MyCardInfo.

With eStatements, there's no need to continue receiving paper statements. The benefits include:

• Eliminate paper storage hassles and save the trees - save your statement electronically.
• Being able to save statements on your computer and print them whenever you like
• Greater security eliminates the risk of your statement getting lost in the mail or falling into the wrong hands
• Receive your statement quicker.
• It's simple and it's free.

What are eStatements?eStatements are an electronic delivery of your monthly or quarterly statements, which will take the place of your mailed paper statement.

How much does ATIRAcredit’s eStatement service cost?There is no charge for ATIRAcredit’s eStatement service.

How do I sign up for eStatements?To sign up for eStatements, simply click on the link to sign up for eStatements located on your Statement History page. Complete the required information; accept the disclosure and click submit.

How do I receive my eStatement?To receive your eStatement, you log onto MyCardInfo, then click on the Statement History link on the top menu bar.

Why did I have to give my email address to sign up?The email address is needed to send an email notification that your statement is available on MyCardInfo.

Will my eStatement be on MyCardInfo if for some reason I don't receive my email notification?Yes, your eStatement and email notification is independent of one another. If you do not receive your email notification, your eStatement will still be on MyCardInfo.

What do I need to view my eStatement on-line?You will need Adobe Acrobat Reader to view your eStatement.

What if I don't have Adobe Acrobat Reader?Adobe Acrobat Reader is free software that you can download from Adobe.com.

Can I receive a paper statement as well as an electronic statement?No, you can either receive a paper statement or an electronic statement. You can not receive both.

Why can't I receive the statement(s) of my joint account?According to the law, we must deliver the statement to the primary account holder.

When will my eStatement be available?Your eStatement will be available during the first week of the statement cycle.

Can I get my eStatement emailed to me instead?No, your eStatement can not be emailed to you. Email is not a secure way to send your statement.

How long will my eStatement be available?After you sign up, your eStatement will be available every month for up to one year.

What if I want to cancel my eStatement?You can switch back to the paper version of your statement at any time. To cancel eStatememts, simply click on the Statement History link on the top menu bar. Select “View eStatements”. Select “Edit eStatements settings and email”. Select “Resume Paper Statements”. Your enrollment in eStatements will be terminated and you will once again receive paper statements.

Can I have my eStatement email notification sent to more than one email address?No, we can only send your eStatement notification to one email address.

How do I change my email address?You can change your email address any time. Simply click on the Statement History link on the top menu bar. Select “View eStatements”. Select “Edit eStatements settings and email”. Select “Edit”. You can then change the email address associated with your eStatement notification messages.