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Frequently asked questions about

Credit Cards

Credit card overview

How can I find my Visa® account number?
What is your current rate for credit cards?
What is the difference between a credit card, a debit card, and an ATM card?
Can I find my account number on my Visa debit or credit card?
How do I contact your Credit Card Services department if I am out of the country?
Can I transfer balances to a Mountain America Visa® credit card from another institution's credit card?

Applying for a credit card

What is an online credit application?
How do I apply for a Visa® credit card?
What are your credit card eligibility requirements?
How old do I have to be to apply for a credit card?
What is the average wait to receive approval on a credit card?

Receiving your card

How can I find out if my debit or credit card was ordered?
My card has expired and I have not received my new card. Should I report it lost?
I won't be home when my new card is supposed to arrive. How can I receive it early?
What Visa card designs are available?

Using your card

How do I activate my credit or debit card?
Under what circumstances might my card be declined?
Should I notify you if I'm using my debit or credit card while I'm traveling?
Can I use my credit or debit card internationally?
How do I cancel my credit card?

Payments and payoffs

What is my minimum credit card payment?
When is my credit card payment due?
Where do I send my credit card payments?
How can I get the payoff amount for my VISA credit card?
Where do I send a loan or VISA payoff?
How do I inquire if any additional amount is due after I have paid a credit card in full?
Can I set up automatic payments on my VISA?

Authorized users and cardholders

Can I let someone else use my debit or credit card?
Can I allow another authorized person to use my credit card?
How do I add an additional cardholder to my credit card?
How can I remove an authorized user from my VISA account?

Visa rewards

Where do I go to view and redeem my Visa® credit card rewards?
If I have a Visa Rewards credit card and I close my account, do I lose all the rewards points accrued?

Lost or missing card and replacing your card

How do I replace my credit card?
I lost or misplaced my card. How do I order a new card?
Is there a fee to order a new credit card?
How much does it cost to replace a lost credit or debit card?

Rates, interest and credit limits

What is the maximum limit I can have on my credit card?
Can I get my Visa® credit card limit back?
How can I request a VISA limit increase?
How can I decrease my credit limit?
How is interest calculated on a credit card?
Why did my credit card interest rate change?
Can I get my credit card interest rate lowered, and do you match other credit unions' rates?

Cash advances

Is there a limit on the amount of cash that I can advance on a credit card?
Are cash advance checks available for my Visa credit card?
Is there a grace period on cash advances?

Service center

1-800-748-4302

Routing number

3240 7955 5

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© 2026 All rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
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