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New Credit Cards
Frequently Asked Questions
The last day to use your current card is Monday, Sept. 20.
Don't forget: You also can't activate your new card until Sept. 20!
You can update your information via online banking, by calling into our contact center at (904)723-6300 or by visiting any of our branch locations.
Yes! We have all new card designs for all of our card programs.
We are moving to a new card vendor and part of this conversion requires us to update our card numbers. Even though your current card is not expiring, we had to send every cardholder a new card. The credit card currently in your possession will continue to work until September 20th,2021. Your new credit card cannot be activated or used until September 20th, 2021. It is very important that you do not destroy the card currently in your possession until September 20th, 2021. Your new card can be activated on the 20th of September and will be immediately available for use. We apologize for any inconvenience this causes our membership and cardholders.
Since the payment address has changed, per Card Act, all late fees will be waived for the first 60 days.
121 is moving credit card processors to offer more features and benefits to all cardholders.
In September, ALL open cardholders will receive a new 121 card with a different expiration date.
No, all open accounts are being transferred to our new credit card processor.
No, all cards will have a different card numbers. Please be sure to update your card information with any merchants that may have that information on file or have automated billing, i.e. Netflix, Hulu, gym membership, Amazon, etc..
No, you will need to set up a new PIN for the new card you receive, after you activate the card on September 20th. Members will need to call 1-800-249-7021 to set up the PINs on their cards.
Sure! You get to choose the PIN number when you call, from a number on file, to activate your card. Please do not share your PIN number with anyone including anyone at the credit union.
No, we will not be able mail a PIN. Members will need to call 1-800-249-7021 to set up the PINs on their cards.
All 121 Credit Cards are variable rate to meet regulatory requirements. Variable Rates are tied to the prime rates published in the “Money Rates” section of the Wall Street Journal.
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Minimum Payment Due |
2% or $25, whichever is greater, plus any amount past due and any amount in which you have exceeded your applicable credit limit. If your new balance is less than $25, then your minimum payment due is the amount of the total new balance |
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Penalty ANNUAL PERCENTAGE RATE |
Will be discontinued |
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Annual Fee- Secured Card |
Will be discontinued |
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Foreign Transaction Fee |
Will be discontinued |
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Card Replacement/Rush Fee |
Will be discontinued |
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Convenience Check Return Payment Fee |
Will be discontinued |
Rates and margins are based on the credit union’s criteria, including applicant’s income and credit/employment history. Monthly statement indicates the APR assigned to your account.
Our credit union contact center and branch representatives will be able close credit cards if needed after conversion and training has occurred. Members will be expected to provide notice of closure to the credit union in writing. A Close Credit Card form will be required. We encourage members to call the card support number to complete the card activation and set up their PIN number. Cardholders should call 1-800-249-7021. You will have to complete a verification of other account and personal information.
Members can call (904) 723-6300, Option 2 to activate their cards, report lost/stolen cards, set PIN numbers, and report unauthorized usage on their cards (fraud and disputes).
For balance information or other account information, feel free to use the services available at 904-723-6300 or login to the Online Banking or Mobile Banking platform to obtain information after hours. We are available to take any calls Monday through Friday 8:00am-6:00pm and Saturday 9am -1pm.
Yes, you credit card is still protected from Fraud and will continue to have 24/7 fraud monitoring to protect you.
Yes, you can use your card anywhere VISA is accepted…even internationally.
Your new 121 credit card is now contactless. Meaning you can tap your card and use it at any merchant that accepts contactless transactions. Your card will still continue to have the EMV chip.
All reward points, on current rewards cards (consumer and business) will rollover. Points will no longer expire. Members will be able to redeem for cash (statement credit to card), merchandise, gift cards, and travel (hotels/airlines)
2% cash back on all purchases (or 2X the points per $1 spent)
No, no changes to the billing cycle have occurred.
No, the credit cards payment dates will not be able to be selected.
Yes, the 5 day grace period will still be afforded to membership. No interest will be charged on purchases if the balance is paid in full by the due date or within the 5 day grace period.
Members will be able to report instances of fraud directly via online banking and credit cards online. Members must have online banking set up and accessible to do so. You can also call our Contact Center at (904) 723-6300 during business hours for assistance.
The only difference in the rollout date is the card type. All credit cards will be issued at once regardless of account type.
Yes! You will not need to visit a third party site to see your Visa credit card loan. The credit cards will be accessible via Credit Cards Online
121 will do everything possible to get our member access to their funds during the conversion.
Yes. We will be able to see authorized card users in our system. We will require authorized signers to provide photo identification in order to process advance requests.
No, you new credit card will be visible on or close to September 23, 2021.
You will have a separate statement just like it is now. We will continue to have a 5 day grace period for all cards.
YES! Members will have to enroll for eStatements via Online Banking. Note: Current eStatement enrollment will not roll over.
