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FAQs for Upcoming Visa Changes

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FAQs for Upcoming Visa Changes

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What's changing?

On October 23rd, we’re performing an update to consolidate processing systems. As a result of this change, a new loan suffix ID will be assigned to you, and your credit card line will be replaced with a credit card loan.

When you log in to Online or Mobile Banking, you’ll notice the account description has been changed to include the new loan ID.

The new loan  ID will replace the existing credit card number on your credit report without adversely affecting your credit score. Your credit limit will remain the same and your credit card will continue to work as before.

Is my credit card number changing?

No. You may continue to use your card with confidence. The number on your existing SCE FCU Visa Credit Card will remain the same and will be linked to your new credit card loan  automatically, without the need for a replacement card.

A benefit of this new structure is if you credit card is ever lost or stolen, the physical card can be easily replaced without making any changes to your credit card loan.

Why are you making this change?

This change will provide added tools to help us provide you with the best member experience. Information will be more readily accessible and updates to your card activity  will occur sooner.

What benefits are provided to me as a result of this change?

You’ll now have the ability to use Card Controls on your SCE FCU Visa Credit Card just like on your SCE FCU Debit Card... with no need for a separate app! With Card Controls, you can turn your card on or off immediately, set transaction notifications and designate spend limits – all designed to help protect you against fraud.

Basically… it’s an all-in-one solution. No more switching between apps and websites. Everything in one place, with a seamless interface between Online and Mobile Banking.

Card Controls FAQs

What is Card Controls?

Card Controls is a security feature that allow you to turn your SCE FCU Credit and Debit Cards on and off, set alerts, and/or block specified transactions. It’s all up to you! You’ll also be able to set spending limits and alerts, so you can stay in the know when it comes to your money.

Card Controls FAQs

Do I have to wait for a new Visa card?

No! Your card will continue to function as it would normally for most transactions with the exception of transactions requiring a PIN, such as a cash advance or cash back on a purchase. You’ll need to reset your PIN by calling 866.762.0558 on or after October 26 from the primary number on file.

What'll happen with my transactions between October 23 and October 26?

You can continue to use your card with confidence! Transactions will process as usual. This activity will not display in your transaction history until the week of October 26th.

Can I still use my existing card?

Yes! Your card will continue to function as it would normally for most transactions with the exception of transactions requiring a PIN, such as a cash advance or cash back on a purchase. You’ll need to reset your PIN by calling 866.762.0558 on or after October 26 from the primary number on file.

How do I select a new PIN for my existing card?

You may reset your PIN by calling 866.762.0558 on or after October 26 from the primary number on file and following the prompts to verify your identity.

For cardholders who share the same card number, such as husband and wife, the information entered must belong to the primary member (first person on the account). Only one PIN can be selected per unique card number.

What about recurring charges I have set up from my Visa card?

Any recurring charges or automatic payments made to other vendors from your SCE FCU Visa Credit Card, like gym memberships, streaming subscriptions, utility bills, etc., will continue without any action needed from you.

Don’t worry... your Netflix subscription will continue to be paid.

Can I still use my card in my mobile wallet?

Yes! If you’ve added your card to Apple Pay, Google Pay or Samsung Pay, it will continue to work without any additional action.

Will I still receive a monthly statement?

Yes! Monthly statements will be sent without any interruption, although some cardholder may notice that their due date have been adjusted by 3-5 days later than normal. You may elect to pay on the new due date or pay in advance.

For Business credit cardholders, statements will no longer be mailed directly to authorized users. Instead, all statements will be mailed to the primary address on file.

Where can I see how many Rewards Points I have?

If you have a Rewards Visa, your monthly points recap will now be included with your regular account statement (not your credit card statement). Coming later this year, you’ll be able to see your points on both Online and Mobile banking – if you participate in our Debit Rewards program, you’ll see both your Debit and Credit Rewards points all in one place.

Until then, you can create a profile on the Scorecard Rewards site to view your point activity.

How do I view my new transaction activity?

In Online or Mobile Banking, simply click on the account description to view payments and other card activity completed on or after October 26 – your information will be displayed just like any other SCE FCU account. You’ll no longer be re-directed to another site to view your Visa account information.

Past card activity will only be viewable on your previous credit card statements, which will be available through Online or Mobile Banking

What if I need to access my old transaction history?

Past card activity will only be viewable on your previous credit card statements, which will be available through Online or Mobile Banking. In Online banking, simply click on Additional Services, eStatements. If using the Mobile app, click More and then eStatements.

New card activity will display in the same format as your other SCE FCU accounts, as shown below.

How will this change affect my online or mobile experience?

Currently, when you access your Visa card activity, you're directed to another site instead of viewing the information all within one place. The consolidation of processing systems will allow us to display your card activity in the same format as you're accustomed with your other accounts.

Current Visa site:

Access to the current Visa site will no longer be available as of October 23. Any payments or alerts you have set up on this site will need to be re-established in Online or Mobile Banking on or after October 26.

To make your payment, you can do one of the following on or after October 26:

  • Transfer directly from another SCE FCU Checking or Savings account, in Online or Mobile Banking simply by clicking on the Pay button found below the Credit Card Loan within your account history.
  • Pay from your account to another institution. In Online Banking, select Loans from the top navigation bar and click Loan Payment. If you're using your mobile app, choose More then tap Loan Payment.

Alerts can be set up in Online Banking under Additional Services, then select Text Banking & Alerts. Here you can set up the handy reminder to let you know your payment is due.

You can also use Card Controls to establish notifications you'll receive almost instantaneously after your transaction is processed.

How can I make my Visa payment?

If you mail your payment, please send it to the address on your payment coupon. Payments can be mailed to us at PO Box 8017, El Monte CA 91734.

If you've scheduled payments on our current Visa site, you'll need to re-establish this payment within Online or Mobile Banking. To make your payment, you can do one of the following on or after October 26:

  • Transfer directly from another SCE FCU Checking or Savings account. In Online Banking, simply click on the Pay button found right within the account summary.
  • Pay from your account to another institution. In Online Banking, select Loans from the top navigation bar and click Loan Payment. If you're using your mobile app, choose More then tap Loan Payment.

Any payments you've asked us to schedule or payments set up as transfers within Online or Mobile Banking (not the Visa site) will continue to be processed.

To pay your Visa over the phone, call us at 800.866.6474. Payments made from a non-SCE FCU account can only be accepted during normal business hours.

If you pay by using another institution's bill pay service, no change is needed at this time.

How will this change affect my credit report?

The new loan ID will replace the existing credit card number on your credit report without adversely affecting your credit score. Your credit limit will remain the same and your credit card will continue to work as before.