LBS Financial Credit Union (CA) MyCardInfo (2024)

Frequently Asked Questions

  • MyCardInfo
      What is MyCardInfo?
  • How do I enroll?
  • What if my Username or Password does not work?
  • How do I make a Payment on my account?
  • If I suspect Fraud or Forgery, what should I do?
  • If I want to Dispute a transaction, what should I do?
  • Is MyCardInfo safe?

  • Activation and Use
    • How do I activate my account?
    • My card has been lost/stolen, what should I do?
    • I think I have fraud on my account, what should I do?
    • What is MasterCard SecureCode and how do I register?
    • How can I get my credit limit increased?

  • General Information
    • What is APR and how do I find my APR information?
    • What is a credit line?
    • What is a minimum monthly payment?
    • Who do I talk to if I need help understanding my credit card statement?
    • I have a dispute on my credit card statement, what do I do?
    • How does LBS Financial Credit Union (CA) keep my personal information safe?
    • I am traveling internationally, can I use my credit card?
    • Can I add an additional user to my credit account?

  • Rewards
    • What rewards do you offer?

  • Account Access
    • I forgot my account password or user name, how do I get a new one?
    • How do I make a cash advance?
    • How do I get a personal identification number (PIN)?
  • MyCardInfo

    What is MyCardInfo? MyCardInfo is a service provided free of charge by LBS Financial Credit Union (CA) which 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. Back to the Top

    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 the Enroll/Login page. Back to the Top

    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 our customer call center by using the information on the Contact Us page of the Help & Info menu. Back to the Top

    How do I make a Payment on my account? The easiest way to make a payment is through the Make A Payment option in MyCardInfo.By entering your checking or savings account information, you can have a payment posted to your account within a few business days.Also, you can make a payment by stopping in at your local LBS Financial Credit Union (CA) office or by mailing payment to the address provided on the Make a Payment page.If you have any questions, please contact our customer call center by using the information on the Contact Us page of the Help & Info menu. Back to the Top

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

    If I want to Dispute a transaction, what should I do? Visit our Contact Us page under the Help & amp; Info menu and fill out a Dispute form.Complete the form, and fax it to the number provided on the form. You may also mail it to the address provided on the Contact Us page. Back to the Top

    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 by using the information on the Contact Us page of the Help & Info menu. Back to the Top

    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. Back to the Top

    My card has been lost/ stolen, what should I do? Please call the number on the back of your card immediately to report your lost card.If you do not know the number to call, visit the Contact Us page of the Help & Info menu. 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. Back to the Top

    I think I have fraud on my account, what should I do? Please call the number on the back of your card immediately to report any fraud. If you do not know the number to call, visit the Contact Us page of the Help & Info menu. Back to the Top

    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. Back to the Top

    How can I get my credit limit increased? Maintaining a high credit score will earn you a higher line of credit.In the event you need a credit limit increase, please call the number on the back of your card to request the additional amount.If you do not know the number to call, visit the Contact Us page of the Help & Info menu. Back to the Top

    General Information

    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. Please review your card agreement and welcome letter for complete APR details. Back to the Top

    What is a credit line? 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. Back to the Top

    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 an amount decided upon by The FI.Generally the minimum amount calculation is made available in your card agreement, welcome letter, and can be obtained by contacting The FI. Back to the Top

    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 by using the information on the Contact Us page of the Help & Info menu. Back to the Top

    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:

    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, please complete and mail or fax the appropriate form on the Contact Us page of the Help & Info menu to the designated number.

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

    How does LBS Financial Credit Union (CA) 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. Back to the Top

    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 customer call center by using the information on the Contact Us page of the Help & Info menu prior to your departure as a fraud protection measure. Back to the Top

    Can I add an additional user to my credit account? Most times LBS Financial Credit Union (CA) will grant additional user. To request this, please contact our customer call center by using the information on the Contact Us page of the Help & Info menu. They will quickly gather the necessary information from you. Back to the Top

    Rewards

    What rewards do you offer? LBS Financial Credit Union (CA) may offer rewards based on the type of card you have.To receive specific information as it relates to your card, please contact us by using the information on theContact Us page of the Help & Info menu. Back to the Top

    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. Back to the Top

    How do I make a cash advance? LBS Financial Credit Union (CA) may offer cash advances on your card.You may contact us by using the information on the Contact Us page of the Help & Info menu or refer to your card agreement for more information.Generally you can use a Personal Identification Number (PIN) to make a withdrawal at an ATM or visit a LBS Financial Credit Union (CA) that offers cash advances on the type of card you have been issued.Refer to your card agreement for cash advance fees, rates, and limitations. Back to the Top

    How do I get a personal identification number(PIN)? LBS Financial Credit Union (CA) may have issued a PIN at the time your card was sent to you.If you did not receive the PIN, you can request a new one by contacting us with the information on the Contact Us page of the Help & Info menu. Back to the Top

    LBS Financial Credit Union (CA) MyCardInfo (2024)

    FAQs

    What is the grace period for LBS Financial? ›

    LBS Financial's Credit Card accounts come with a 25-day grace period, but it is for purchases only. If you have a cash advance balance, it is subject to interest immediately. If you did not pay your balance in full within the 25-day grace period, you would also be assessed interest.

    How do I activate my LBS Financial card? ›

    Call 888.691. 8661 to activate your new card!

    Please visit the new Credit Card Center within Online & Mobile Banking to see details for your new card.

    How much can you withdraw from LBS Financial? ›

    ****$500 daily cash withdrawal plus a $3,000 daily Point of Sale/Signature limit for a total of $3,500 daily limit. *****Based upon availability. $20 discount can be applied as a credit towards a larger safe deposit box.

    How to join LBS Credit Union? ›

    Joining our Credit Union is simple! Just visit our website at lbsfcu.organd click on Join Us or visit a branch for a Membership Application. Your lifetime Credit Union Membership begins with a $5 minimum Share Savings deposit plus a one-time Membership fee of $1 per account holder.

    Does paying during grace period affect credit? ›

    In general, taking advantage of your credit card's grace period won't negatively affect your credit scores. However, if you reach the end of your grace period and you still haven't paid your balance, the missed payment may be reported to the three main credit bureaus, which could then end up hurting your credit.

    What is the grace period for debt? ›

    A grace period is a specified period of time after a due date for a loan payment. The grace period allows the borrower to delay payment beyond the due date without incurring a penalty. This means there can be no extra charges or cancellations of the loan as long as the payment due is paid before the grace period ends.

    How do I get my card activated? ›

    Call the bank's card activation number that can likely be found on the activation sticker on the front of your debit card. Listen to the prompts on your call and go through them to activate your card. You can also talk to a customer service employee, at the bank or on the phone, if you need assistance.

    Do I activate my credit card? ›

    You usually have 45-60 days to activate a new credit card before your credit card issuer sends you a message or cancels your account. Not activating may affect your credit score because your credit utilization ratio or credit mix may be impacted if your card issuer closes the account.

    How do I activate my debit card payment? ›

    STEP I: Login to your bank's internet banking portal with your credentials. STEP II: Go to the 'Value Added Services' or the 'Cards' section, depending on your bank's website, and choose 'debit card ON/OFF'. STEP III: Choose the card you want to enable from a list of all your linked debit cards.

    Can a bank deny you access to your money? ›

    A bank account freeze means you can't take or transfer money out of the account. Bank accounts are typically frozen for suspected illegal activity, a creditor seeking payment, or by government request. A frozen account may also be a sign that you've been a victim of identity theft.

    Can I withdraw $8000 from my bank? ›

    Under the Bank Secrecy Act (BSA), you are limited to $10,000 of cash withdrawals from your bank account per day. And if you want to withdraw more than that $10,000 daily cash limit, the bank will report your transaction to the federal government.

    What happens if I withdraw $10,000 from my bank? ›

    Your bank will need to file a CTR

    This law requires U.S. financial institutions to assist in detecting and stopping money laundering. One of the requirements is that financial institutions report cash transactions exceeding $10,000 in a day. To do that, a bank files a Currency Transaction Report (CTR).

    What are the benefits of lbs credit union? ›

    As a Member of LBS Financial Credit Union you can enjoy better than market rates on loans and deposits, low or no fees, and easy access to funds with Mobile and Online Banking, 30,000 Free ATMs nationwide, and 5,000 Shared Branches.

    How to join lbs? ›

    Required documents
    1. Completed application form. The application form is designed to be completed over several sessions. ...
    2. Application essays. Application essays are your opportunity to tell us more about yourself and detail your interests, values and goals. ...
    3. GMAT/GMAT Focus/GRE score. ...
    4. One page CV.

    How do I lodge money into a credit union? ›

    By Direct Debit from your bank or building society account.

    A Direct Debit is an automatic service whereby you authorise us to debit the amount of money you want put into your Credit Union accounts from your bank or building society account.

    How long is the grace period for a loan payment? ›

    Your loan servicer will tell you how many months remain in your grace period and when repayment will begin. The length of a grace period is typically six months, but it can vary depending on the type of loan you received. The promissory note you signed for your loan tells you the length of your grace period.

    What is the grace period of a loan? ›

    Grace period is the period from the date of signature of the loan or the issue of the financial instrument to the first repayment of principal. To obtain the average, the grace periods for all public and publicly guaranteed loans have been weighted by the amounts of the loans.

    What is considered a grace period? ›

    A grace period is the period between the end of a billing cycle and the date your payment is due. During this time, you may not be charged interest as long as you pay your balance in full by the due date.

    What is the grace period for fees? ›

    A grace period allows a borrower or insurance customer to delay payment for a short period of time beyond the due date. During this period no late fees are charged, and the delay cannot result in default or cancellation of the loan or contract.

    References

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