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Frequently Asked Questions

You have questions; we’ve compiled answers to the most popular ones. Save time by reviewing our answers below, chances are, the answer is here.

Accepted At

Can I use my account for purchases at other retailers?
This account is a private label program and can only be used at the retailer(s) described in your Account Agreement.

Account Agreements

How can I request a copy of my Account Agreement online?
You may click "View Account Agreements" on the homepage for generic agreements, or after logging into your account you may request your specific agreement by clicking "View/Request Account Agreements." Just click "Information Central" under the "Customer Center" on the left side of any page (you’ll need to be logged-in to your account). Under "Manage Communications" click the link to "View/Request Account Agreement," verify your address and submit your information. Once you complete and submit the form, we will mail your Account Agreement in 7 - 10 business days.
Who can I call to request a copy of my Account Agreement?
Please call Customer Service to request a copy of your Account Agreement.
Is there a charge to request my Account Agreement?
No, there is no cost to request your Account Agreement.

Available Credit

What is available credit?
Available credit is your credit limit minus your current balance and the amount available for use. Please keep in mind that your account's available credit may not reflect a payment for up to 14 days to allow us to verify funds.

Credit Limit

How can I increase my credit limit?
There is not a credit limit increase program at this time.

Current Balance Information

How up-to-date is the current balance information?
The current balance is updated nightly and may not reflect all transactions (payments, purchases and other adjustments) on your account.

Late Payment Fees

How can I avoid late payment fees?
As soon as you get your monthly billing statement, check the Payment Due Date and monthly Minimum Payment Due. Make sure you pay at least the monthly minimum payment each month by your payment due date. If you mail your payment, please allow at least seven (7) business days for postal delivery. You can also make an online payment through this website or call us to make payment over the telephone.

Monthly Minimum Payment

How can I avoid late payment fees?
As soon as you get your monthly billing statement, check the Payment Due Date and monthly Minimum Payment Due. Make sure you pay at least the monthly minimum payment each month by your payment due date. If you mail your payment, please allow at least seven (7) business days for postal delivery. You can also make an online payment through this website or call us to make payment over the telephone.

Payments

What are my options for making a payment to this account?
You can make an immediate payment online through this web site, call us to take a payment over the phone with a checking or savings account, make a payment through MoneyGram, or send your check or money order through the mail.

If you send your check or money order through the mail, be sure to include your account number on the payment and send to:

Bankcard Services
PO Box 84049
Columbus, GA 31908-4049
How can I avoid late payment fees?
As soon as you get your monthly billing statement, check the Payment Due Date and monthly Minimum Payment Due. Make sure you pay at least the monthly minimum payment each month by your payment due date. If you mail your payment, please allow at least seven (7) business days for postal delivery. You can also make an online payment through this website or call us to make payment over the telephone.
What are my options for making a payment?
You can make an immediate payment online through this website, call us to make a payment over the phone, make a payment through MoneyGram, or send your check or money order through the mail.
What information do I need to make a MoneyGram payment?
If you'd like to make a payment using MoneyGram, you'll need the following information: Find your nearest MoneyGram location at www.moneygram.com.
Company Name: BankCard Services
Receive Code: 4911
When will my online payment post to my account?
The payment cut off time for online payments is 5:00 p.m., Pacific Time. This means, if we receive your online payment prior to 5 p.m., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after 5 p.m., Pacific Time, your payment will be credited as of the next calendar date.

Retailer Credits

If I return merchandise to a retailer or receive credit from a retailer for services, how long will it take for the credit to appear on my account?
Once the credit has been submitted by the retailer to us, it may take up to four days for the credit to appear on your account.

Still Have Questions?

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