Card Usage FAQs

About My Card

  1. How do I use my card?
    1. You may use your Visa® Reward Card to obtain goods or services everywhere Visa debit cards are accepted.

      When you make a purchase you should ask the cashier to run it as a Credit transaction.

      Each time you use your card, the purchase amount is automatically deducted from your card balance. Before you go shopping, you'll need to know how much money you have available. Most merchants cannot tell you how much money you have remaining on the card.

      Knowing your balance before you shop will help assure that your card is accepted. You can check your balance anytime by clicking on the Check Balance link on this website.
  2. Does my card expire?
    1. YES. Your card expires on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. We strongly recommend that you use your card well ahead of the expiration date as it can be used everywhere Visa debit cards are accepted.
  3. Can I use my card at an ATM?
    1. NO. The card does not have cash or ATM access. It cannot be redeemed for cash or used to obtain cash in any transaction.
  4. Are there any service fees?
    1. A Foreign Transaction Fee of 3% of the purchase value is charged for foreign transactions.
    2. If your card is lost or stolen, a $5 Replacement Card Fee will be charged to replace your card.
  5. How do I activate my card?
    1. Your card may already be activated. In order to check, go to the 'Activate Card' link in the menu and enter in your 16-digit card number and 3-digit security code on the back and click the Go button.

Most Common Questions / Problems:

  1. Why is my card not working?
    1. The most common answer to this is the purchase amount you were attempting may have been greater than the available balance on your card. The transaction systems for many retailers & merchants are not set up to check your cards balance before authorizing the transaction. So what happens is they are trying to authorize the card for more than the value on it and its being declined. To verify if this is the case, please check your card balance and make sure it is equal to or more than your purchase amount.
  2. I was not able to use my card at a gas station?
    1. Payment processing terminals at gas stations may vary. In general, the best way to use a Visa Reward Card at a gas station is to pay inside. Tell the attendant to only charge the amount you specify and to run the card as a “credit” transaction.
  3. My card was declined at a Restaurant?
    1. Restaurants and other service merchants often run a card for 20 percent more than the total bill to cover gratuity. If the Visa Reward Card will not cover the additional amount, ask the cashier to run the card for the bill amount only. Be prepared to pay the gratuity or bill difference with another form of payment.
  4. Why was I not able to use the card for an online purchase?
    1. Most online shopping carts have a security measure in place to verify the 'billing address' and name associated with the credit or debit card. When your card was purchased, your address and/or name may not have been assigned to the card. To change this, go to the Register Card link in the menu and follow the instructions to input your home address. Then when using the card online, make sure to use the address you registered the card under as the Billing Address in the shopping cart.
  5. Why is the balance of my card lower than what it should be?
    1. If you were making a purchase and the transaction was either canceled out by the merchant or declined, the merchant transaction system most likely put a hold on those funds. This is common with some transactional systems where the merchant is authorizing the amount of the transaction, but not taking the funds until a later time. For instance, if you buy a product online you may see that your credit card is not charged until the product ships.

      When this occurs, if your purchase using your card was not finalized, the merchant will issue those funds back onto the card but this can take 7-10 business days. Please check your balance after 7-10 business days of the transaction in question and if they are still not showing up call the toll-free number on the back of your card to speak with an agent.