Frequently Asked Questions

A contactless credit card allows you to complete a transaction without physical contact between your card and the contactless-enabled checkout terminal. Simply hold your contactless card near the terminal (less than 2 inches), and payment account information is transmitted wirelessly for authorization. 

Contactless payments use short-range wireless technology to securely communicate between a contactless card or payment-enabled device and a contactless-enabled checkout terminal.

When you tap or wave your credit card near the contactless symbol , your transaction is complete.

If a merchant does not have the contactless symbol on their payment terminal, your credit card still features a chip and magnetic stripe; both options can be used to make purchases. 

No, your new card was issued because we are updating our credit card system and your credit card functionality. Nusenda Credit Union is constantly working to improve your banking experience, and that includes our credit card technology. Your contactless card will allow you to make purchases faster, simpler, and more securely.

Yes. Here's why:

• Just like a chip card, each transaction is accompanied by a one-time code that securely protects your payment information.
• You can’t pay accidentally — your credit card or device must be less than 2 inches away from the terminal for the sale to be processed. And you won’t be billed more than once, even if you tap more than once.
• You’re protected from unauthorized use of your card or account information by Visa’s Zero Liability Policy.

This is unlikely. For every contactless transaction, a transition-specific, one-time code is created that secures your payment information. The code cannot be reused. Should someone successfully read the information from a contactless payment card, the security features designed into the device, the payment terminal, and the payment system will prevent the information being used for fraudulent purposes. 

Your credit card should never be left unattended. Please take the same precautions you would with any other type of payment card.

If you believe that your card has been put at risk, please contact us as soon as possible at 505-889-7755 (800-347-2838 outside the Albuquerque area).

You can view your credit card reward points or cash back balance through Nusenda's Mobile or Internet Banking. Simply log in and select your credit card account on the My Accounts page, then click the Redeem Card Rewards link. Your reward points or cash balance are available at the top of the linked ScoreCard Rewards page. You can redeem your points or request your cash back the same way you have in the past.

The rewards available did not change, however there are recent additions you may not know are available. You can redeem your rewards points for travel, to purchase gift cards, to access music through iTunes, make a donation to a charity, or redeem for fuel discounts*.

To learn more about all of the great rewards available with your card, log into Mobile or Internet Banking. Your credit card will display in My Accounts. Select your credit card to access your account details, then select the Redeem Card Rewards link.

*Only at participating gas stations. Learn more at http://hq.scorecardrewards.com/fuel_discount.

We have upgraded the features available to you within Mobile and Internet Banking. The upgraded services allow you to place travel alerts on your card, complete credit card balance transfers, and lock and unlock your credit card. The website still allows you to view your credit card transactions, online statements, make payments, and dispute transactions online.

You can find rewards information using the Redeem Card Rewards link below the Manage Credit Card link within Mobile and Internet Banking.

Yes, if you had payments scheduled using the Manage Credit Card link in Nusenda's Mobile and Internet Banking services, you will need to reestablish your recurring payments. Simply log into Mobile or Internet Banking, select your credit card account on the My Accounts page, then select Manage Credit Card. When the linked page opens, hover over Payments and select Make a Payment from the drop-down menu. 

Simply log into Nusenda's Mobile or Internet Banking services and select your credit card account on the My Accounts page, then click the Manage Credit Card link. When the linked page nusenda.mycardinfo.com opens, simply hover over Account Services, select SmartControls from the drop-down menu, and follow the steps to establish alerts.

Within SmartControls you can establish an alert to:

• Authorize purchases by setting a specific dollar amount.

Notify you when:

• Purchases are made internationally.
• Purchases are made online.
• A purchase is declined.

You can also enable our new credit card lock service under Controls by toggling the Card Stop option to On, then clicking the Save Profile button. You will then be notified by the credit card lock service anytime a purchase is declined.

You may perform a balance transfer request directly through Nusenda's Mobile and Internet Banking services.

1. Log into Mobile or Internet Banking. Your credit card will display in My Accounts. 
2. Select your credit card to access your account details, then select the Manage Credit Card link.
3. Hover over Account Services on the menu, then select Balance Transfer from the drop-down menu.
4. Enter the CVV three digit number located on the back of your card and click Continue. 
5. Enter the information for the account you wish to transfer balances from and click Submit. Review the confirmation screen then click Complete or Transfer Another Balance.

You can also contact us at 505-889-7755 (800-347-2838 outside the Albuquerque area) for assistance.

You can lock and unlock your credit card within Nusenda's Mobile and Internet Banking services.

1. Log into Mobile or Internet Banking. Your credit card will display in My Accounts.
2. Select your credit card to access your account details, then select the Manage Credit Card link.
3. Hover over Account Services on the menu, then select SmartControls from the drop-down menu.
4. Click the Create Profile button. Review the Terms & Conditions and click the Accept button if you agree and wish to use the service.
5. Enter a Profile Name then click Save and Continue.
6. Provide an email address or phone number in Contact Information. You will receive a text message or email. Respond to verify your enrollment.
7. Enable the credit card lock service under Controls by toggling the option to On, then click Save Profile.

You can place travel notes on your credit card through Nusenda's Mobile and Internet Banking services. We recommend you place travel notes on your card to help prevent it from being blocked when traveling out of the state or country.

Adding travel notes to your credit card is simple:

1. Log into Mobile or Internet Banking. Your credit card will display in My Accounts. 
2. Select your credit card to access your account details, then select Manage Credit Card.
3. Hover over Account Services on the menu, then select Travel Center from the drop-down menu.
4. Enter the CVV three digit number located on the back of your card and click Continue. 
5. Provide the requested information and Submit.

You may also contact us at 889-7755 (800-347-2838 outside the Albuquerque area) or stop by any of our branch locations for assistance with travel notes.

Your card is enrolled in Visa’s Account Updater service, which works with many billers and merchants to send secure, automatic updates when your card is reissued. However, not all merchants participate in automatic updates. We recommend checking with the merchant to verify that your card information has been updated because your card expiration date and CVV number changed on your new card. 

Yes, our credit card payment address has changed. Please mail card payments to the new address: 

Nusenda Credit Union
P.O. Box 37035
Boone, IA 50037-0035

If you use a bill pay service through another financial institution, you will need to update the payment address with your bill pay service provider.