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Attention SPX FCU VISA Credit Cardholders:
Your new SPX FCU Credit Card will be arriving the week of 10/18/2021 and can be activated/used on 10/25/2021. If you have questions or concerns, please contact the Credit Union at:
Member Service Representative: (585)247-0724
Email: support@spxfcu.org
October 13, 2021
October 25, 2021
Answers to the three most common questions that we have received:
For Joint Account Holders:
As a security feature, all cards being issued with this conversion will have a unique card number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.
Access to eCS: Real-time credit card information:
Payments:
ACH Payments (preferred method)
Mailing Payments
If you mail in your payments, please use one of the following methods:
Why am I receiving a new credit card?
SPX FCU is changing credit card processors to better serve your credit card needs. This change requires that a new card be issued.
Will my interest rate change as part of this conversion and card issue?
No. Your interest rate and other terms on your account will not be changing.
How do I mange my Credit Card Online?
You can manage your Credit Card online at: https://onlinebanking.firstdata.com/ecs/st-pius-x-church-cu
This website access is referred to as eCS and will allow members access to real-time credit card information, including transactions, pending activity, payment information and custom email alerts, plus sign up for electronic statements.
Will I have a new PIN number so I can access cash from my credit card?
You will no longer receive a PIN in the mail, and your old PIN will not work with the new card. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.
My existing card does not expire for quite a while – can I continue using my existing card until the expiration?
No. Your existing card will not work after 10/25/2021 at 6:45 a.m. Please activate your new card on or after 10/25/2021 at 6:45am.
My credit card account has multiple owners and multiple cards- will each of us receive a card?
Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.
What do I need to do if I have preauthorized or recurring payments that are tied to my existing SPX FCU credit card?
To ensure there is no interruption in recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs), contact the merchant on or after 10/25/2021 at 6:45 a.m. with your new card number and expiration date.
Will the due date for my credit card payment change?
No. Your due date will stay the same.
Will I need to send my payment to a new location after the conversion?
Yes. The new address will be included on the statement. If you pay this bill through online bill payment, you will need to update the mailing address to P.O. Box 2711, Omaha, NE 68103-2711 on or after 10/25/2021 to ensure that your payment reaches the processor by your due date. Payments can also be mailed to the Credit Union Office at: 2998 Chili Avenue, Rochester NY 14624.
What happens if I already sent in a credit card payment that will arrive close to the conversion date?
Your payment will be applied to your new card. Please note that it may take a few business days for this payment activity to be posted to your new card. For future payments, please ensure you have updated your payment information.
I set up my monthly credit card payment as an automatic ACH transfer, payroll deduction or as a recurring transfer. Do I have to make any changes?
To ensure there is no interruption in automated payments, contact the provider of this service (i.e., another bank or bill pay service) on or after the 10/25/2021 provide your new card number and payment address of P.O. Box 2711 Omaha, NE 68103-2711.
What is UChoose Rewards®?
uChoose Rewards® is a rewards program that earns you points for using your SPX FCU credit card on and after 10/25/2021.
Do I need to register my credit card before I can start earning points?
No, you will start earning points the first time you make a transaction with your new credit card. However, you will need to register your card before you will be able to redeem your points. A link to uChoose Rewards® will be provided on the eCS (real-time credit card information website).
How do I register my card for uChoose Rewards® to redeem rewards?
Through our eCS, a link to uChoose Rewards® will be provided to members.
How do I start earning points?
Every time you make a purchase with your card, you’ll earn 1.5 points for every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.
Where can I earn points?
You earn points everywhere your VISA® credit card is accepted. Participating retailers offer additional reward points for purchases made at their stores or online.
Where can I view my point activity?
You can access the history of your point activity through uchooserewards.com. A link to uChoose Rewards® will be provided on the eCS (real-time credit card information website).
When can I redeem points?
It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them. Your points are available to view online and a link will be provided on eCS (real-time credit card information website).
Can I share points with family members?
All credit cards within an account automatically earn points together. Additionally, you will be allowed to share points with other SPX FCU members.
How much does it cost to participate in uChoose Rewards®?
There’s no cost to participate. Membership in UChoose Rewards® is free as part of your SPX FCU credit card plan for converted Members.
