Credit Cards
Want to keep your cash? Let Service One’s VISA® platinum rewards card help! It has NO ANNUAL FEE and cardholders are eligible for CURewards! Members can personalize their card with the Design Your Own Card (DYOC) program.
Sign up for Credit Card Alerts and be notified when your card is used.
Introductory special rate of 3.99% APR* for 12 months on purchases and balance transfers completed within 90 days of account opening!
Variable Annual Percentage Rate as low as 8.25% APR*.
- No Balance Transfer Fee
- No Annual Fee
- Earn CASHBACK Rewards
- $1,000,000 Travel Accident Insurance Coverage
- Auto Rental Insurance
- 24/7 Member Service and Lost/Stolen Reporting
- Year-End Annual Activity Summary
For more information about our VISA® platinum credit card, please view our Credit Card Disclosure below.
APR = Annual Percentage Rate. Promotional rate is for balance transfers completed within the first 90 days of account opening and will remain in effect for 12-months after account opening. After the promotional period ends, the APR is a variable rate based on your creditworthiness ranging from 8.25% to 16.25%. Membership and credit-granting criteria apply. New cardholders only. Existing Service One cardholders are not eligible for a 3.99% APR promotional rate. Offer may end at any time without prior notice.*
Card Services
Card Issues
Need to Activate your Card?
Please call the number shown on the activation sticker on your card from the phone number on your account, or call 1-800-527-7728.
Lost/Stolen Card?
For Debit or Credit Cards, call 1-800-449-7728.
Receive a Letter/Message about a blocked or compromised Card?
If you received a message or letter that your card has been blocked because of unusual spending activity, please call 1-800-654-7728 to verify transactions.
Remember Service One would never ask for sensitive information like your social security number, account information, or card number by text, email or telephone.
Problems with your Credit Card?
Please call 1-800-449-7728.
Reset pin #, call 1-888-886-0083. Note: must call from the phone number listed on the account.
Traveling with a Credit Card?
As a safeguard, our Fraud Detection service may flag or temporarily block your card if spending patterns change dramatically until you can be reached to verify recent activity. You may want to contact Service One before you travel to let us know where you will be, and how long you will be away to minimize any potential problems when using your card.
To obtain assistance while traveling within the US call 1-800-VISA-911.
To obtain assistance while traveling outside the US call collect (410) 581-9994.
Make Card Payment
Make Quick Payments Using Your Cards
Too busy to get this month's Service One payment in the mail? No worries.
Pay a loan or credit card with a debit card.
You can pay securely, anytime, after you create your user account.
Sign on to pay your credit card, vehicle, personal, or line of credit loan when it works for you, and your payment will be credited the next business day. The charge is only $4.95 fee for using your credit or debit card.
Be sure to have your member number and loan number available along with your credit/debit card or checking account information. Your member number and loan number can be found on your Service One statement or by contacting us.
*Online Payment Convenience Fee of $4.95 applies for payments made by debit card.
Credit Card Transfers
Better Days, Better Ways
Save with Low Interest All Year
Transfer your credit card balance from another institution and get a 3.99% APR* intro rate for the first 12 months after application.
- No Transfer Fee
- No Annual Fee
- Cash Rewards
APR = Annual Percentage Rate. Promotional rate is for balance transfers completed within the first 90 days of account opening and will remain in effect for 12-months after account opening. After the promotional period ends, the APR is a variable rate based on your creditworthiness ranging from 8.25% to 16.25%. Membership and credit-granting criteria apply. New cardholders only. Existing Service One cardholders are not eligible for a 3.99% APR promotional rate. Offer may end at any time without prior notice.*
Rewards
Would you like to earn cash back, or redeem points for travel, merchandise, and more?
Learn more about Service One’s credit card rewards program, CU Rewards!
Credit Card Disclosures
The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card are accurate as of the effective date of December 1, 2018. You can call us at (270) 796-8500 or write us at P.O. Box 51770, Bowling Green, KY 42102-6770 to inquire if any changes have occurred since the effective date.
Interest Rate & Interest Charges
| Annual Percentage Rate (APR) For Purchases |
VISA Platinum: 3.99% introductory APR for 12 months. After that, Your APR will be 8.25% – 16.25% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate. |
| Annual Percentage Rate For Balance Transfers |
VISA Platinum: 3.99% introductory APR for 12 months. After that, Your APR will be 8.25% –16.25% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate |
| Annual Percentage Rate For Cash Advances |
VISA Platinum: 3.99% introductory APR for 12 months. After that, Your APR will be 8.25%–16.25% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate |
| How to Avoid Paying Interest on Purchases | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau. |
Fees
| Transaction Fees - Foreign Transaction | 1.00% of each transaction in U.S. dollars. |
Transaction Fees
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”