Your New CRCU Mastercard® Is On Its Way

Frequently Asked Questions About Your New Card

 

ABOUT YOUR NEW CARD

Why am I getting a new credit card?

CRCU has partnered with a new credit card processing provider to bring you improved security features, better fraud protection technology, and a more convenient card experience. This change requires that all credit cardholders receive a new card.

 

Why is my card number changing?

Your new credit card comes with a new number as part of our processor change. This actually benefits you—having a separate card number means that if your card is ever lost or stolen, we can replace it more quickly without disrupting your underlying account.

 

Will my interest rate or credit limit change?

 NEED INFO

 

When does my old CRCU credit card expire?

Your current CRCU credit card will stop working on July 20, 2026, regardless of the expiration date printed on it. Please activate your new card as soon as it arrives on July 20, 2026.

 

What new features does the credit card have? 

Your new CRCU Mastercard includes:

• A fresh, updated card design
• Enhanced fraud protection technology
• Contactless (tap-to-pay) capability for faster checkout at participating merchants
• Compatibility with Apple Pay, Google Pay, and Samsung Pay

For Member Select Rewards World and Rewards Business Mastercard holders:  Your new card also comes with a rewards program. We'll share full details about earning and redeeming rewards in a separate communication coming soon.

 

 

ACTIVATION & PIN

How do I activate my new credit card?

Call the phone number on the activation sticker attached to the front of your new card. For security, you'll need to call from the phone number we have on file for your account. If you're unsure which number is on file or no longer have access to it, please visit any CRCU branch for assistance.

 

When can I activate my new credit card?

You can activate your new card on or after July 20, 2026.

 

Will my old PIN work with my new credit card?

No. Your old PIN will not carry over. You will need to select a new PIN by calling the number provided with your new card. A PIN will not be mailed separately.

 

 

RECURRING PAYMENTS & MOBILE WALLETS

Do I need to update my recurring payments?

Yes. Because your new card has a new number, expiration date, and CVV, you'll need to update any merchant or service that saved your old card for automatic payments. Common examples include:

• Streaming services (Netflix, Hulu, Spotify, etc.)
• Utilities (electric, water, internet, phone)
• Insurance premiums
• Subscription services (Amazon, gym memberships, meal kits, etc.)
• Rideshare or delivery apps (Uber, DoorDash, etc.)

We recommend making a list of everywhere your card is saved before activating your new card.

Do I need to update my mobile wallet?

Yes. After activating your new card, open your mobile wallet (Apple Pay, Google Pay, or Samsung Pay), remove your old CRCU credit card, and add your new one. Your old card information will no longer work for mobile payments.

 

What if I'm expecting a refund on my old card?

Any refund credited to your old card number will still post to your account without any issues. No action is needed on your part.

 

 

REWARDS - (MEMBER SELECT REWARDS & BUSINESS REWARDS MASTERCARD)

I have a Member Select Rewards World or Business Rewards Mastercard. What's happening with rewards?

Your new card comes with a rewards program that lets you earn on the purchases you're already making. We're finalizing the program details and will share a full breakdown—including how to earn points, redemption options, and any registration steps—in a follow-up communication coming soon. Keep an eye on your mailbox and inbox!

 

Do I need to do anything to enroll in the Rewards Program?

We'll provide complete enrollment instructions when we share your rewards program details. For now, just activate your new card and start using it—we'll take care of the rest.

 

 

PAYMENTS & ACCOUNT ACCESS

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Will my payment due date change?

NEED ANSWER

 

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

NEED ANSWER - You can continue to make credit card payments through the same channels you use today, including online banking, mobile banking, by phone, by mail, or at any CRCU branch location.

 

What happens to my existing balance? 

Your current balance transfers automatically to your new card. There's nothing you need to do—all outstanding balances, available credit, and transaction history will carry over.

 

 

 

SECURITY & FRAUD

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Is my new contactless credit card secure?

Absolutely. Contactless cards use near-field communication (NFC) technology that only transmits data within a very short range. The card cannot be cloned by a reader, and each transaction generates a unique, one-time code that can't be reused. It's one of the safest ways to pay.

 

What should I do if I suspect fraud on my new card?

Contact us immediately at [FRAUD PHONE NUMBER], available 24/7. You can also lock your card instantly through CRCU's online banking or mobile app.

 

I haven't received my new credit card. What should I do?

If you haven't received your new card by [EXPECTED DELIVERY + BUFFER DATE], please call us at (281) 420-3746 or visit any CRCU branch for a replacement.

 

 

 

JOINT & AUTHORIZED USERS

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Will my spouse or authorized user receive a new credit card, too? 

Yes. Each cardholder on the account will receive their own new card with a unique card number for added security. Cards may arrive separately, but you'll still receive one combined statement.