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Contactless Visa® CREDIT Card

Frequently Asked Questions

Why is my Credit Card being replaced?
We are upgrading our Credit Card program to provide Tap to Pay convenience, added security, real-time card alerts, and more! To ensure we take advantage of all of the added security available, we must issue new contactless cards.

Your new Contactless Credit Card will provide Tap to Pay convenience, making it the better option for everyday banking and purchases in person and online. You can also pay bills and use for mobile payments such as Apple Pay and Google Pay. Visa zero liability provide additional layers of security against unauthorized transactions.

Where is my new Credit Card?
Your new contactless, tap to pay, Platinum Visa will be in the mail soon. You should receive your new card no later than July 20th. Keep an eye on your mailbox and give us a call if you do not receive your card by the 20th.

How do Contactless Credit Cards make transactions quicker, safer, and more convenient?

  • Security: Contactless cards use dynamic data encryption for each transaction, making it harder for fraudsters to clone the card. Additionally, they don't require you to input your PIN for small transactions, lowering the risk of shoulder surfing or data theft.

  • Low Risk of Skimming: Since the card never leaves your possession, it minimizes the risk of "skimming" (fraudsters stealing card details by swiping or copying your card data).

  • Reduced Wear and Tear: Because there is no need to insert or swipe the card repeatedly, it experiences less wear and tear compared to traditional cards.

  • Convenience: With a simple tap of your card near a point-of-sale terminal, you can complete your payment. There's no need to insert or swipe the card, saving time, especially for small transactions.

  • Speed: Contactless payments are faster than traditional card payments, reducing the time spent at checkout. This is especially useful for high-traffic areas or quick transactions, like coffee shops or gas stations.

When should I expect to receive my new Credit Card?
You should receive your new card no later than July 20, 2025. Your new card will be mailed to the address we have on file. You can verify and update your address in Online or Mobile Banking. Don’t have Online or Mobile Banking? Give us a call, we can help.

What address was my Credit Card mailed to?
Your card will be mailed to the mailing address on file with the credit union. However, you can verify and update your address in Online Banking or the Mobile App. Not an Online Banker? Give us a call, we can help.

Do I need to activate my new Credit Card?
Yes, please follow the instructions on the card activation sticker on the front of your new card.  To activate your card quickly, call from the phone number you have on file with the credit union.

Which phone number do you have on file for me?
You can verify and update your phone number in Online Banking or the Mobile App.  Not an Online Banker? Give us a call, we can help.

When can I activate my new Credit Card?
Activate your new Credit Card as soon as you receive it and securely destroy your old card. You will also want to add your new card to your digital wallet for convenient and secure payments. Additionally, if you have automatic payments set up on your old card, you will need to update these payments with your new card information.

When will my current Credit Card stop working?
Your current Credit Card will be automatically deactivated on July 31, 2025.

Do I need to add my new Credit Card to my digital wallet?
Yes. Add your new Credit Card to your digital wallet for convenient and secure online payments. Also, if you have automatic payments set up on your current card, you will need to update these payments with your new card information.

I haven’t received my new Credit Card yet.
If you haven’t received your card by July 20th, please give us a call. Your card will be mailed to the address we have on file. You can verify and update your address in Online Banking or the Mobile App. Not an Online Banker? Give us a call, we can help.

I moved and had my mail forwarded, is this a problem?
For your security, cards are not forwarded. To avoid any issues, update your address in Online Banking or the Mobile App to ensure delivery of your new card. Not an Online Banker? Download the mobile app for free! Give us a call, we can help.

Will I have a new card number?
Yes, you will have new Credit Card information so remember to add your new card to your digital wallet for convenient and secure online payments. Also, if you have automatic payments set up on your current card, you will need to update these payments with your new card information.

Why do I have a new Credit Card number?
This is an added security measure.

What will happen to my UChoose Rewards points I have earned?
All unused UChoose Rewards points will convert, point for point, to the new Elevate Rewards by AltaOne. The new platform will launch July 24th and provide great redemption options!

How do I make my payment?

  • Transfer payments within Online or Mobile Banking (using Funds Transfer option)

  • Call the Card Center 24/7 at 800-261-7901

  • In Person at any AltaOne branch

  • Mail payments to:

    AltaOne FCU
    PO Box 60510
    City of Industry, CA 91716-0510

  • Reminder, if you pay your payment through a bill pay service, please update the mailing address.