Frequently Asked Questions
SECURITY
What steps can I take to ensure the security of my account information?
What is encryption and why do I need it?
What are the sufficient web browser levels to view the website and how can I upgrade?
What happens if I forget to sign off?
How secure is Credit Care?
One of our highest priorities is to ensure your privacy and peace of mind by employing some of the most advanced online security in the industry. Every step of the way, we provide you with the state-of-the-art encryption of all data transmitted between your computer and our secure site. Most browsers today utilize an encryption method called Secure Sockets Layer (SSL). SSL is software based security protocol that encodes data before it is transmitted over the Internet. Once you enroll you will be able to use a self-selected user name-password system that serves as our first line of security.
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What steps can I take to ensure the security of my account information?
There are several things you can do to protect your Credit Care account:
- Never reveal your User Name and Password to anyone.
- Never write it down where anyone can find it or figure out what it is.
- Change your password frequently within your profile.
- Always sign off before leaving your computer.
- Always sign off before accessing other Web sites.
What is encryption and why do I need it?
Encryption is a security device that keeps information that passes through the Internet private and secure. To maximize protection, Credit Care requires you to use 128-bit encryption. This 128-bit encryption level is 2x1026 more secure than the standard level of 40-bit. You will see the icon of a padlock on the bottom toolbar of your browser that indicates the information being transmitted is protected and encrypted.
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What are the sufficient web browser levels to view the website and how can I upgrade?
A web browser is computer software that allows you to view the content and graphics displayed on a website. Credit Care requires the minimal browser levels of Microsoft Internet Explorer (MSIE) 4.0 or Netscape 4.78 to support the 128-bit secure link between your browser and us. You will know if your browser is not sufficient if upon entering a secure site, a note pops up on the screen indicating you should upgrade. We suggest upgrading to the latest versions. To upgrade, please click on one of the following links:
Microsoft® Internet Explorer
Netscape Navigator®
What happens if I forget to sign off?
For security reasons, Credit Care becomes disabled after long periods of inactivity, and the system will automatically sign off. If this happens, you will be required to sign on again. We encourage you to use the sign off function for maximum security when you’re finished with the system or you walk away from your computer.
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ENROLLMENT
Do I have to enter the enrollment information each time I sign on?
What is the maximum number of accounts that can be registered?
Can I register additional credit card accounts I have with you?
Do I have to enter the enrollment information each time I sign on?
No. After you have completed the enrollment process and selected a unique User Name and Password, using Credit Care is easy. Simply enter your User Name and Password on the Welcome Page to access the site’s services.
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What is the maximum number of accounts that can be registered?
There is no limit to the number of accounts you can register.
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Can I register additional credit card accounts I have with you?
Yes, you may register additional accounts through the Register an Account function.
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REWARDS
What is my reward point balance?
How do I redeem my reward points?
What can I redeem my reward points for?
Can I access my rewards account activity online?
How can I learn more about the travel rewards and book an airline ticket?
What happens to my reward points if I close my credit card account?
How do I earn reward points?
You earn reward points for every dollar spent on retail purchases with a few exceptions. You do not earn points on Balance Transfers, Cash Advances, Convenience Check transactions, fees or interest charges.
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Do my reward points expire?
Reward points expire if you do not make a purchase for 24 months. All points are forfeited at account closure.
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How many points do I earn?
The number of points you earn varies depending on the reward card that you have. Check the reward program terms and conditions for more detailed information about how you earn points. The terms and conditions were sent to you by U.S. Mail along with your credit card.
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What is my reward point balance?
To determine the number of points in your reward account, simply call a Customer Satisfaction Specialist at 1-866-450-1402. In addition, your monthly credit card statement will display your point balance as of the statement date.
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How do I redeem my reward points?
To redeem reward points, simply call a Customer Satisfaction Specialist at 1-888-848-0255. You cannot redeem points for rewards if you are overlimit, bankrupt, credit revoked, currently past due or if your account is suspected of fraud.
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What can I redeem my reward points for?
Depending upon the rewards program you signed up for, a variety of rewards are available to you including gift cards, merchandise, travel options, and cash rebates. To view a sample of the available reward items, visit our catalog by clicking on the following links:
- Experiential Rewards
- Gift Cards, Certificates
- Merchandise Rewards
- National Sports Events Certificate Programs
- Sports Collection Certificates
- Travel Rewards
Can I access my rewards account activity online?
In the near future you can expect to access your rewards account online to view your account activity. In the meantime, simply call a Customer Satisfaction Specialist (or customer service representative) at 1-888-848-0255 to obtain information about your account. You will be notified when online access to your rewards account is available and at that time you will be provided with information on how to set up a password and access your rewards account.
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How can I learn more about the travel rewards and book an airline ticket?
All questions regarding reward travel, including the booking or airline tickets, should be directed to our dedicated travel department at 1-888-848-0255.
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What happens to my reward points if I close my credit card account?
All points are forfeited at account closure.
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