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My New Card

  • Activating your card


    OAS FCU completed the Credit Card conversion scheduled for April. All members that have active credit cards should have received new cards as a replacement for their current ones.

    If you haven’t received your card yet, please email [email protected].


    To activate your card, please follow any of the steps below:


    Call us toll-free at 1-888-691-8661

    Go to the Card Management site 
    Send a secure message with the last four digits of your card.



    Accessing your card management site

    To access the new card management site, please visit: and register your new card.


    How to add an account to pay your credit card

    At the moment, we are not fully integrated with Plaid, after selecting ‘Add/edit payment accounts’ under the Payments tab you must follow the prompts and then once on Plaid scroll to the bottom and select ‘Link with account numbers’. We have a quick video explaining how to add an account here. Also, at the moment, you can only add a checking account in the system.


    Mobile Wallets are now available!

    You now have the capability to add your OAS FCU credit card to your favorite mobile wallets


    Platinum Reward Points

    For our Platinum cardholders, if you have not registered your card with ScoreCardRewards then please log in to Scorecard and register. You can also log into your online banking and find the link for ScoreCard under ‘Other Accounts’. We are currently updating your point balances to reflect your current balances, so you can only use the points that currently show up on ScoreCard.


    Late Payment Forgiveness

    We understand that you must update your monthly payments. In order to ease the process, we have waived the late payment fees and if your account becomes past due it won’t be reported to any of the credit bureau for 2 cycles (months of April & May). 




    Remember, be on the lookout for our communications from OAS FCU over the next couple of months, so that you stay well-informed. 

    We will be doing everything possible to see that this upgrade goes forward smoothly for you.

    Thank you for your understanding as we navigate this upgrade on your behalf for a better member experience.


  • FAQs


    List of our most common FAQs:


    Why are we doing this?

    We are switching credit card processors to ensure our members have the best possible experience using OAS FCU Credit Cards. Our current provider did not meet our high standards due to several lapses in service. Among others, the new processor will be able to provide you with contactless credit cards, additional fraud and security controls, as well as upgraded benefits.


    What should I expect?

    We have been working on this conversion process behind-the-scenes for months. Now we are approaching several key dates and timelines. You can check this site for complete information and updates, and we will be sending multiple communications by email to help you understand what changes are coming and when they will happen. You will also receive a new credit card in the mail, one with a new number and brand-new design. On April 23rd, 2023, we will be making the official switch from our current processor to the new one.


    What do I need to do now?

    Please make sure that we have your mailing address up to date (if it is different from the one on your credit card statements –you may view the address on your eStatements in the Card management site platform,, under ‘Other Services’ tab, for the shipping of your new card. To update your mailing address, you can either fill out this form or send us a secure message via your Online Banking’s messaging center.


    How do I activate my new card?

    There are several ways to activate your new credit card depending on where you are reaching out from:

    Within the USA:
      • You can call the credit union: 202-458-3834.
      • Go to the “Message Center” in your Online Banking, select “Card activations” and send us a message to activate your card.
      • You can also call outside the credit union hours to activate your card activation: 1-888-691-8661.
    Outside the USA:
      • You can call the credit union: +1-202-458-3834.
      • Go to the “Message Center” in your Online Banking, select “Card activations” and send us a message to activate your card.
      • You can also call outside the credit union hours to activate your card activation: +1-909-204-3895.


    Do I need to do anything on my end?

    Yes, please make sure that the mailing address we have for you is correct in your online banking. If you need to update the address, please click here.


    When will this change occur?

    The switch will happen on April, 23rd, 2023. Then you will be able to start using your new Credit Card and Card Management site. This means that April, 22nd,2023 will be the last day you will be able to use your current credit card.


    When will I receive my new card in the mail?

    You can expect to receive your new contactless, Visa Credit Card, within the first three weeks of April.


    When will I be able to use my new card?

    The new card will only be able to be activated/used on or after April 23, 2023, so do not destroy your current card until after your new card is activated.


    My existing card does not expire for a while; can I continue using it until expiration?

    Unfortunately, no. Your existing card will not work after April 22, 2023. Instructions will come with your new card to ensure it is ready to use on or after this date.


    Will my new card have a new number?

    Yes, your new credit card will be issued with a new number, and you will be able to activate it starting April 23, 2023. If you have any pre-authorized or recurring charges (gym membership, insurance, subscription services, cable, utilities, streaming services, etc.) on your card, you will need to update those merchants with your new card information to avoid any interruption in service.


    I have recurring merchant payments with my current credit card. Do I need to do anything?

    Yes, please be sure to update merchants with automatic, recurring payments with your new Credit Card information on or after April 23, 2023, to avoid interruption in service.


    When will my current card be deactivated?

    You will not be able to use your current OAS FCU Credit Card after April 22, 2023. Transactions after that date will be denied.


    Will the terms of my credit card change?

    No, rest assured that your credit card terms will remain the same.


    Can I do a balance transfer from other credit cards?

    Yes! Once your card is active, you can take advantage of the balance transfer special rate of 2.5% interest for 12 months. To do so, please log into MyCardInfo go to ‘Account Services’ and select ‘Balance Transfers’.


    Will I need to send my payment to a new address after the conversion?
    Yes, please mail payments after the conversion to OAS FCU, PO BOX 37035, Boone, IA 50037-0035. This new address will also be included in your monthly statement. As a preventive measure we have waived the late payment fees and if your account becomes past due it won’t be reported to any of the credit bureau for 2 cycles (months of April & May). 


    You can also make payments on the card management site at our online banking or at any branch.


    If I set up Bill Pay to pay my credit card, do I need to do anything?

    Yes, if you pay your credit card bill through online bill pay, you will need to update the mailing address in the bill pay application to OAS FCU, PO BOX 37035, Boone, IA 50037-0035


    Will I lose my ScoreCard Rewards bonus points after the conversion?

    No, you will not lose them. The Visa Platinum Rewards will continue with ScoreCard Rewards. Please register (if you have not done so before). then log into the ScoreCard site. The ScoreCard site is also accessible from your online banking and MyCardInfo.


    Will I be able to add my new card to my mobile wallet?

    Yes, you are now able to add your new OAS FCU credit card to Fitbit Pay®, Garmin Pay® and LGPay®; in addition to Apple Pay®, Google Pay® and Samsung Pay®.


    Will I need a new PIN, so I can access cash from my credit card?

    Yes. Your old PIN will not work with the new card. If you need one for your new Credit Card, please contact us at [email protected].


    Will I need to reestablish alerts and notifications on my new card?

    Yes, you will need to reestablish alerts for your new card once it is activated.


    What is a contactless credit card?

    A contactless card has a chip that uses special technology to enable close-range payments. Your payment is processed when you tap your card near the Contactless Symbol on a checkout terminal that supports contactless payments.  Contactless cards are safe because each transaction is accompanied by a one-time code that securely protects your payment information, just like with a chip card.


    Will I be able to manage my Credit Card through eZCard?

    No. A new and more user-friendly and complete card management site will be available for your online and mobile banking. You will be able to access your credit card information, setup notifications, and alerts online, and more on or after April 23, 2023. You will have to enter the site to activate it.


    Will I need to reestablish alerts and notifications on my new card?

    Yes, you will need to reestablish alerts for your new card once it is activated.


    My monthly credit card payment occurs automatically in eZCard. Do I have to make any changes?

    Yes, you will need to reestablish auto pay within the new card management site on or shortly after April 23, 2023.


    Will I have access to my previous card history following the conversion date?

    Your previous card history will be retained by the credit union for member service inquiries. You will be able to access three months of historical transaction data online on the new card management site. If you would like to have access to any data older than three months or have copies of your eStatements, we recommend you log into eZCard to download and save the statements to your computer or print hard copies before April 20, 2023.


    Will I need to re-enroll in eStatements?

    If you received eStatements on the old system, your enrollment was transferred to the new card management site.


    I have multiple cards with different numbers. Does each need to be activated separately?

    Yes. Each card needs to be activated separately. And each member should use their own information to activate the card, not the primary account holder’s information.


    Will each cardholder on the account receive a separate monthly statement?

    No. Only one statement will be sent; however, the statement will reflect the transactions completed by each card, grouped by card.


    What if one of the cards on my account is lost/stolen?

    The new number to report a card lost or stolen is 1-833-574-3473 (calling within the USA) or +1-909-204-3895 (calling outside the USA)


    If there are multiple cards associated with my account, does each get its own credit limit?

    No. There is one shared credit limit for all cards associated with the account.


    Are there costs or fees associated with replacing my current Visa® credit card?

    No. There is no fee associated with getting your new credit card.


    Who can I contact with questions?

    You can contact us at [email protected], 202-458-3834, or through your online banking secure messages.


  • Important Dates to remember



    You can now activate your new and contactless OAS FCU Credit Card and start using it.



    Last day when we will waive late fees and not report past due accounts to the credit bureaus



    Latest date for the implementation of the mobile wallets


    04/23/2023 and after 

    1. Activate your new card by calling the number on the sticker or sending a secure message through your Online Banking. Please include the last 4 digits of the new card.
    2. Destroy your old card after you verify that the new card is activated and working properly.
    3. Update automatic payments and monthly services information with the new card number for future pre-authorized or recurring payments. If you pay your account using a bill pay service, be sure to provide them with your new account details, including the new mailing address.
    4. Download your e-statements.
    5. Register your card with MyCardInfo.
    6. Enjoy your new OAS FCU credit card!


  • Improved Card Benefits


    Choose the  credit card that suits you



    • No foreign transaction fees!
    • 0% APR on purchases for 12 billing cycles*
    • No annual fees (ever)
    • Contactless card technology
    • Part of VISA’s global network



    • No foreign transaction fees!
    • 0% APR on purchases for 12 billing cycles*
    • No annual fee for the first year**
    • Contactless card technology
    • Part of VISA’s global network
    • Gain rewards with every purchase


    *  You will pay 0% APR for 12 billing cycles on purchases you make using your OAS FCU Visa Credit Card between April 15, 2023 and September 30, 2023. This special offer is available only to members in good standing; if you are more than 60 days in arrears on your credit card payments, the rate will revert to the standard rate on your card. 

    ** If you have an OAS FCU Visa Platinum card, we will waive the $65 annual fee up until April 24,2024. OAS FCU will also waive the annual fee for any Platinum credit card opened between April 15, 2023 and September 30, 2023.