Frequently Asked Questions

MyCardInfo

What is MyCardInfo? MyCardInfo is a service provided free of charge by IU Credit Union, 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 Card Services at 812-855-7823.    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. Also, you can make a payment at any IU Credit Union branch, or call or mail a payment to the Payment Address provided in MyCardInfo.    Back to the Top

If I want to Dispute a transaction, what should I do? If you do not recognize a charge or feel you were billed an incorrect amount, you must first double-check your receipts and check with other joint owners or authorized users, if applicable, of your card. Second, contact the merchant where the purchase originated to resolve the dispute.

If you are unable to resolve your dispute with the merchant, click on Account Services > Dispute Transaction in MyCardInfo.

If you feel the transaction is fraudulent, your card must be blocked lost or stolen prior to disputing the transaction.

Refer to the Billing Rights Summary on the back of your statement for dispute timeframes and restrictions.    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.     Back to the Top

Activation and Use

How do I activate my account? When you receive your card, call the number provided on the activation label on the card from your home phone number. 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 812-855-7823 immediately. 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 812-855-7823 to report any fraud.    Back to the Top

How can I get my credit limit increased? You may apply for a credit limit increase by contacting IU Credit Union.    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 if you carry a balance. Your APR will be listed on the Current Terms document that was sent with your welcome letter and is available on your monthly statement.    Back to the Top

What is my credit line? This amount is listed on the card carrier when you receive your card and on your monthly statement. 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. The minimum monthly payment amount calculation is made available in your Credit Card Agreement.    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 Card Services at 812-855-7823.    Back to the Top

How does IU Credit Union keep my personal information safe? Your account safety is our primary concern. Please refer to the Privacy Policy.     Back to the Top

I am traveling, 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 let us know your travel plans. You can do this in MyCardInfo by choosing Travel Center under Account Services.     Back to the Top

Rewards

What rewards do you offer? IU Credit Union offers rewards based on the type of card you have. To receive specific information as it relates to your rewards, please contact 888-211-5315.    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 Forgot Username or Forgot Password option displayed on the Login page.    Back to the Top

How do I make a cash advance? Generally, you can use a Personal Identification Number (PIN) to make a withdrawal at an ATM or visit a Financial Institution that offers Mastercard cash advances. Refer to your Credit Card Agreement for ATM cash advance fees.    Back to the Top

How do I get a personal identification number (PIN)? After you have activated your card, please call 888-891-2435 to request or change your PIN.    Back to the Top