FAQ

What benefits are associated with my MCCU Platinum Rewards card?

Great question! You can click here to see a complete list of the benefits associated with your MCCU Platinum Rewards Card. If you have a Platinum Rewards Business Card, you can click here to see your full list of benefits.

When can I expect to receive my MCCU credit card?

MCCU credit cards typically arrive at your door 7-14 business days after you place your order.

Is it possible to get my card sooner than 7-14 business days?

Yes, however there is a charge associated with placing a rushed card order. To find out more about this process and the charge associated with it, give us a call at 734.242.3222 and a Contact Center Specialist will help you out.

Am I able to add an authorized signer to my MCCU credit card?

Yes, you can add an authorized signer to your credit card. All we need is identifying information for that person.

How do I make a payment on my MCCU credit card?

If you have online banking, you can transfer funds from your MCCU accounts and apply to your credit card. This payment will reflect on the card within 1-2 business days. If you do not have an online banking account with MCCU, you can access your card by clicking here

If you utilize a bill payment system to make your credit card payment, make sure you are using the address below:

P.O. BOX 37603

Philadelphia, PA 19101-0603

You can also make your payment by calling in to our call center or stopping in at any one of our locations.

Can I request a limit increase on my MCCU credit card?

Yes! If you already have a Credit Card with MCCU, you will need to fill out a short application and authorize MCCU to pull your credit. This process is typically completed within one business day and any approved increase will be reflected on your account the following business day.

What is a balance transfer?

A balance transfer is when you transfer funds from a higher interest credit card (such as a department store card) to a card with a lower interest rate. We are glad to say we offer fee-free balance transfers that are beneficial because it saves you money (sometimes a substantial amount!) on interest charges. Balance transfers to MCCU are processed as purchases, which is important to know when you're shopping around because we don’t charge you a higher interest rate like you would find on a cash advance.

Is there a fee to process a cash advance on my MCCU credit card?

No, we are glad to say there is no fee associated with a cash advance from an MCCU credit card! 

Please note: We can not process cash advance requests for VISA cards in our branches. VISA cash advances can still be processed through our ATMs--if you need any assistance with doing a cash advance through an ATM, we're happy to help!

Can I change my credit card payment due date?

No, due dates are established when you open the line of credit.

Is there a grace period from my due date?

You have 5 days after your due date to make your payment before a late fee is applied.

How do I access my MCCU credit card rewards?

To access and redeem your Platinum Rewards points, visit www.curewards.com!

What do I do if my credit card is lost/stolen?

If your MCCU credit card has been lost/stolen you should call 800-449-7728. Representatives are available 24/7 to help you manage the loss of your card.

What do I do if I believe my credit card has been compromised?

If you believe your card has been compromised, call 800-449-7728. A representative will walk you through the process of filing a fraud claim, ordering a new card if necessary, and getting your account straightened out. Representatives are available 24/7 to help make you whole again.

How do I order a replacement credit card?

There are two ways you can order a replacement card—you can call 800-449-7728 and request a replacement over the phone or you can come in to one of our locations and speak to an MCCU representative.

Rates

Credit Cards
Effective Date: Monday March 18, 2024
APR* RangeEstimated Payment
9.99% - 17.99% 3% of balance**
*APR = Annual Percentage Rate. Lowest rate is for top tier credit. Click here for credit card information.
**Payment will be 3% of balance owed or $25, whichever is greater
 

 

 

 

1APR = Annual Percentage Rate

2Information from Wallet Hub (2020)

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