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General Information MyCardInfo Information Rewards Activation and Use Account Access What is ATIRAcredit? Your financial institution has partnered with ATIRAcreditTM to provide you with a Platinum Rewards MasterCard. Your relationship with your financial institution 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 Cardmember Service; 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 utilizing your credit line. 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. To view your current APR please sign into My Account. Please review your cardmember agreement and welcome letter for complete APR details. What is my line of credit? This amount is listed in the upper right-hand corner of the document sent with your card. Additionally, your line of credit is listed on each of your statements. You may also sign into My Account to view your credit line and the balance remaining for purchases and cash advances. 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 2% of the new balance but at least $40. If the new balance is less than $40, then the minimum payment would be equal to the new balance. What is the difference between a joint account holder and an authorized user? A joint account holder is someone who is also responsible for the account, their credit score is considered when creating the account and the existence of the account is noted on their credit bureau. An authorized user has the ability to charge on the account but is not allowed to make any changes to the account such as request for a credit limit increase or change of address. An authorized users' credit score does not reflect on the account, nor does the account impact the authorized users' score either negatively or positively. 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 Cardmember Service. 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 contact Cardmember Service for assistance. How does ATIRAcredit keep my personal information safe? The privacy of y our account and your personal information is our primary concern. Please refer to our Privacy Pledge and security page 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. As a fraud protection measure, we do strongly recommend that you call our Cardmember Service number prior to your departure. 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 Cardmember Service. Our team will quickly gather the necessary information from you and send out the second card, there is no fee for adding a secondary user. I have heard about the CARD Act of 2009, where can I find more details? Please click here for a comprehensive guide to the CARD Act of 2009 that includes a section-by-section review and effective dates. MyCardInfo Information 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 888.4.ATIRA.1 (888.428.4721). 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 888.4.ATIRA.1 (888.428.4721). Why do I need to provide my email address to enroll in MyCardInfo? When you supply your email address to ATIRAcredit, you are authorizing it to be added to your account records as a method to contact you in the future. ATIRAcredit will primarily use your email address to send information that you have requested, and to send you information and/or important notices regarding your account. We may periodically send promotional emails about new products, special offers or other information we think you may find interesting. Examples of these promotions may include opportunities to earn extra reward points and special rates on transactions like balance transfers. For more information, please review our Email Privacy Policy. Will you share my email address with third parties? We will never share, sell or rent individual personal information with anyone without your advance permission or unless ordered by a court of law. Information submitted to us is only available to employees managing this information for purposes of contacting you regarding your account or sending you emails based on your request for information and to contracted service providers for services relating to our communications with you. How can I stop receiving email from you? Each email sent from ATIRAcredit contains an easy, automated way for you to opt-out of receiving email from us, or to change your expressed interests. If you wish to do this, simply follow the instructions at the end of any email. If you have received unwanted, unsolicited email sent via this system or purporting to be sent via this system, please forward a copy of that email with your comments to info@ATIRAcredit.com for review. What rewards do you offer? ATIRAcredit offers a full and generous rewards program. You may choose from cash, merchandise or travel rewards, just to name a few! How do I redeem my rewards? Please sign into My Account for full details. How do I activate my account? When you receive your card, please call our special activation hotline at 888.691.8661 from your home phone. Once your card is activated, don’t forget to register at My Account for full online access. My card has been lost/stolen, what should I do? Please call 888.4.ATIRA.1 (888.428.4721) immediately to report your lost card. Our cardmember service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where and when your card was lost/stolen and the last authorized transaction on the card. How do I make a cash advance? There are two convenient ways to get cash from your ATIRAcredit card. You may visit your local branch or call 888.4.ATIRA.1 to request a PIN to make withdrawals from any ATM. What is MasterCard SecureCode and how do I register? MasterCard SecureCode is another layer of security MasterCard offers its cardmembers 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 Cardmember Service to request the additional amount. I received notification in the mail my existing credit card is changing to ATIRAcredit, what does this mean? What do I need to do? Please click here for full details. How can I pay my credit card bill? You can mail your payment to the payment address, sign into My Account to make an electronic payment, drop it off at your local branch or add autopay for your convenience. 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 re-enroll your card by through My Account. How do I make a cash advance? There are two convenient ways to get cash from your ATIRAcredit card. You may visit your local branch or 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, personal identification numbers (PINs) are not created unless they are requested. To request or to change your PIN, please call Cardmember Service. |
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Home | Privacy | Security | Email Privacy The ATIRAcreditTM card is issued by TMG Financial Services pursuant to a license by MasterCard International Incorporated. MasterCard, Platinum MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. ©2013, TMG Financial Services, Inc. ATIRA® is a registered service mark and ATIRAcreditTM is a service mark of The Members Group, LLC. |
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