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Frequently Asked Questions

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Top 10 FAQs

collapse Q: What is ATIRAcredit?

A. Your financial institution or organization has partnered with ATIRAcreditTM to provide you with a credit card product as a service or benefit to you because of your relationship with them. ATIRAcredit is a brand of TMG Financial Services, issuer of your ATIRAcredit MasterCard. ATIRAcredit provides you with 24/7 Cardmember Service, access to online account information through MyCardInfo and round the clock fraud monitoring and protection services for your credit card. ATIRAcredit also receives and processes your card payments and manages collections on delinquent accounts. From time to time, you may receive communications from ATIRAcredit regarding your credit card account.

collapse Q: How do I transfer another credit card balance to my ATIRAcredit Card?

A. Your ATIRAcredit Card allows you to consolidate other balances you may have onto one low APR card. You may transfer a balance by calling Cardmember Service, by using a convenience check provided in your statements, or by submitting your request within MyCardInfo online. If you call Cardmember Service, be sure to have the billing and account information for the balances that you wish to transfer from available.

collapse Q: What is APR and how do I find my APR information?

A. APR is Annual Percentage Rate, which is a measure of the cost of credit, expressed as a nominal yearly rate. Generally speaking, it is the amount of interest that is billed to your account for the convenience of utilizing your credit line. There is at least a 25-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. You can view your current APR online at MyCardInfo or on a monthly statement. Your complete APR details were sent to you with your Welcome Letter and other disclosure materials when your account was approved.

collapse Q: I am traveling internationally; can I use my ATIRAcredit Card?

A. 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 Cardmember Service at 888.4.ATIRA.1 (888.428.4721) prior to your departure or utilize the travel form available online through MyCardInfo. When traveling internationally please use the direct dial number of 00.1.515.457.5568. The toll-free Cardmember Service number will not work outside the United States.

collapse Q: What is MyCardInfo?

A. MyCardInfo is ATIRAcredit's 24/7 access to your credit card account information online. You can register for a MyCardInfo account for free as an ATIRAcredit cardmember. With MyCardInfo, you can view your credit card transactions, make payments, view eStatements, transfer balances and have access to account maintenance forms.

collapse Q: What rewards do you offer?

A. ATIRAcredit Platinum Rewards MasterCard and Business MasterCard products offer full and generous rewards programs. These programs offer over 6 million rewards redemption options, including cash back, merchandise or travel rewards, just to name a few! To view your reward options, visit selectyourrewards.com/ATIRAcredit. To preview rewards options, select “Shop Now” from the top right navigation, or click on one of the featured rewards at the bottom of the homepage.

collapse Q: How do I redeem my rewards?

A. Rewards can be redeemed online through MyCardInfo.

collapse Q: How do I activate my account?

A. When you receive your card, please call the activation phone number found on the sticker affixed to your card. Please call from your home phone number.

collapse Q: I think I have fraud on my account, what should I do?

A. Please call Cardmember Service immediately to report any fraud.

collapse Q: How can I pay my credit card bill?

A. You can mail your payment to the payment address, make an electronic payment online through MyCardInfo.

Basics

collapse Q: What is ATIRAcredit?

A. Your financial institution or organization has partnered with ATIRAcreditTM to provide you with a credit card product as a service or benefit to you because of your relationship with them. ATIRAcredit is a brand of TMG Financial Services, issuer of your ATIRAcredit MasterCard. ATIRAcredit provides you with 24/7 Cardmember Service, access to online account information through MyCardInfo and round the clock fraud monitoring and protection services for your credit card. ATIRAcredit also receives and processes your card payments and manages collections on delinquent accounts. From time to time, you may receive communications from ATIRAcredit regarding your credit card account.

collapse Q: What are the benefits of having an ATIRAcredit Card?

A. Your ATIRAcredit Card gives you the prestige of having a first-class card. For some products, it also features a generous rewards program. ATIRAcredit also provides low fees with added benefits available to cardmembers at no additional cost, such as Zero Liability fraud protection, fraud text alerts and 24/7 online account access through MyCardInfo.

collapse Q: How do I transfer another credit card balance to my ATIRAcredit Card?

A. Your ATIRAcredit Card allows you to consolidate other balances you may have onto one low-APR card. You may transfer a balance by calling Cardmember Service, by using a convenience check provided in your statements, or by submitting your request within MyCardInfo online. If you call Cardmember Service, be sure to have the billing and account information available for the balances that you wish to transfer.

collapse Q: What is APR and how do I find my APR information?

A. APR is Annual Percentage Rate, which is a measure of the cost of credit, expressed as a nominal yearly rate. Generally speaking, it is the amount of interest that is billed to your account for the convenience of utilizing your credit line. There is at least a 25-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. You can view your current APR online at MyCardInfo or on a monthly statement. Your complete APR details were sent to you with your Welcome Letter and other disclosure materials when your account was approved.

collapse Q: How is my APR determined?

A. Your APR is determined by your creditworthiness which is based off of the information we obtain in your credit file. Your APR may vary with the market based on the Prime Rate. ATIRAcredit proudly touts offering cardmembers a competitive APR rate!

collapse Q: What is my line of credit?

A. Your initial Welcome Letter contained your line of credit in the top right-hand corner. Additionally, your line of credit is listed on your monthly statements. You may also sign into MyCardInfo online to view your credit line and the balance remaining for purchases and cash advances.

collapse Q: How do you determine my line of credit?

A. In most circumstances, your line of credit is determined by two factors: creditworthiness and the ability to repay your debt. Creditworthiness is based on information we obtain in your credit file, and the ability to repay your debt is based on your stated household income or assets in relation to your current obligations.

collapse Q: How do I request an increase in my line of credit?

A. 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.

collapse Q: What is a minimum monthly payment?

A. The minimum monthly payment is listed on each statement and is the monthly minimum you must pay to keep your account in good standing. If you can afford to make more than the minimum payment due each month, you'll save money by paying less interest on the revolving balance.

collapse Q: What is the difference between a joint account holder and an authorized user?

A. A joint account holder is someone who is also financially 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. The account owner is financially responsible for transactions initiated by an authorized user. An authorized users' credit score does not reflect on the account, nor does the account impact the authorized users' score either negatively or positively.

collapse Q: Who do I talk to if I need help understanding my credit card statement?

A. If you have questions regarding your statement, or if you feel there is an error, please contact Cardmember Service.

collapse Q: I have a dispute on my credit card statement, what do I do?

A. 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 to make sure they did not make the transaction. Second, contact the merchant where the purchase originated and request they review and correct the charge. And third, if you are unable to resolve your dispute with the merchant, please contact Cardmember Service for assistance or complete a dispute form available online through MyCardInfo.

collapse Q: How does ATIRAcredit keep my personal information safe?

A. The privacy of your account and your personal information is our primary concern. Please refer to our Privacy Policy for specific policies and information.

collapse Q: I am traveling internationally; can I use my ATIRAcredit Card?

A. 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 Cardmember Service at 888.4.ATIRA.1 (888.428.4721) prior to your departure or utilize the travel form available online through MyCardInfo. When traveling internationally please use the direct dial number of 00.1.515.457.5568. The toll-free Cardmember Service number will not work outside the United States.

collapse Q: Can I add an additional user to my ATIRAcredit account?

A. Yes. To request a form for adding an additional or joint user to your account, please call Cardmember Service at 888.4.ATIRA.1 (888.428.4721).

collapse Q: Can I change my due date?

A. We are unable to change a cardmember's due date. As a courtesy to our cardmembers, you do have a 5 day period before your payment is considered late. Please accept our apology for any inconvenience this may cause you.

collapse Q: I have heard about the CARD Act of 2009, where can I find more details?

A. 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

collapse Q: What is MyCardInfo?

A. MyCardInfo is ATIRAcredit's 24/7 access to your credit card account information online. You can register for a MyCardInfo account for free as an ATIRAcredit cardmember. With MyCardInfo, you can view your credit card transactions, make payments, view eStatements, transfer balances and have access to account maintenance forms.

collapse Q: How do I enroll?

A. For consumer cards, enrolling is as simple as entering your account information, assigning a Username, Password, and Personal Security Code and completing a few security questions. You will then have access to your online account. You can visit MyCardInfo and search your financial institution or organization to enroll, or just click on the HOME link at the top of the page and you'll be re-directed to our Enroll/Login page.

collapse Q: What if my Username or Password does not work?

A. If you encounter any questions or concerns that are not answered by following the online instructions during your enrollment or login process, call Cardmember Service at 888.4.ATIRA.1 (888.428.4721) for assistance.

collapse Q: Is MyCardInfo safe?

A. 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 questions that only you would know. If you have any questions please contact Cardmember Service at 888.4.ATIRA.1 (888.428.4721) for assistance.

collapse Q: Why do you ask for my email address when I enroll in MyCardInfo?

A. 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.

collapse Q: Will you share my email address with third parties?

A. 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.

collapse Q: How can I stop receiving email from you?

A. 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.

collapse Q: How do I view old statements? How do I enroll in eStatements?

A. You can access 12 months of statements by logging into your online account through MyCardInfo and enrolling in eStatements. eStatements can be saved and/or printed to your computer. Enrolling in eStatements will turn off paper statements from mailing. If ever you need to resume paper statements, you will need to dis-enroll from eStatements.

Rewards

collapse Q: What rewards do you offer?

A. ATIRAcredit Platinum Rewards MasterCard and Business MasterCard products offer full and generous rewards programs. These programs offer over 6 million rewards redemption options, including cash back, merchandise or travel rewards, just to name a few! To view your reward options, visit selectyourrewards.com/ATIRAcredit. To preview rewards options, select “Shop Now” from the top right navigation, or click on one of the featured rewards at the bottom of the homepage.

collapse Q: How do I redeem my rewards?

A. Rewards can be redeemed online through MyCardInfo.

collapse Q: How do I know my rewards balance?

A. Your rewards balance will be printed on your monthly statement. You may also view your rewards balance online through MyCardInfo.

Activation and Use

collapse Q: How do I activate my account?

A. When you receive your card, please call the activation phone number found on the sticker affixed to your card. Please call from your home phone number.

collapse Q: My card has been lost/stolen, what should I do?

A. Please call Cardmember Service at 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.

collapse Q: How do I make a cash advance?

A. Please call Cardmember Service at 888.4.ATIRA.1 (888.428.4721) to request a PIN for your card. You will be able to make ATM withdrawals once you have obtained a PIN.

collapse Q: I think I have fraud on my account, what should I do?

A. Please call Cardmember Service immediately to report any fraud.

collapse Q: What is MasterCard SecureCode and how do I register?

A. MasterCard SecureCode is another layer of security MasterCard offers its cardmembers for online purchases. Please visit MasterCard's website to register and view more information.

collapse Q: How can I pay my credit card bill?

A. You can mail your payment to the payment address or make an electronic payment online through MyCardInfo.

collapse Q: How do I get a personal identification number (PIN)?

A. 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 at 888.4.ATIRA.1 (888.428.4721).