Credit Card Help

Woman holding a credit card

What If My Card Was Lost Or Stolen?

See the Lost or Stolen Card page for information about what to do if your credit card is lost or stolen.

How To Apply For A No-Fee Balance Transfer

The Royal Platinum Rewards Visa® credit card offers no-fee balance transfers at any time. Any balances you transfer to this card are charged the same low interest rate as any other balance.

Once you apply for and open your credit card, you can initiate a balance transfer through online banking. Balance transfers aren't available via our mobile app.
Log in to online banking, open the Cards menu, and then select Credit Card Balance Transfers. Fill in the required fields about the card you’re transferring a balance from and we’ll take care of the rest.
You’ll see when the balance is transferred to your card in online banking or our mobile app. You can also call us for help with a balance transfer.

How Do I Make A Credit Card Payment?

To make a credit card payment from a Royal Credit Union account:

Using online banking on your computer:
1. Log in to online banking, then select Payments & Transfers from the blue banner and choose the Internal Transfer option.
2. Select which Royal account to take the payment funds from. Select your Royal credit card as the To account. Choose a single date or schedule repeating transfers, and enter the amount. Then choose Make Transfer.
Using the mobile app:
1. Log in to the mobile app, then select Transfer from the bottom menu.
2. To make a one-time payment immediately, select which Royal account to take the payment funds from. Select your Royal credit card as the To account. Enter an amount, then choose Make Transfer.
3. To schedule one-time or repeating payments, choose the Schedule option from the top of the Transfer screen. Tap the blue Schedule A Transfer button. Then select which Royal account to take the payment funds from, select your Royal credit card as the To account, enter an amount, and choose a frequency and date. Then choose Schedule.

To make a credit card payment from a non-Royal account:

Using online banking on your computer:
1. Log in to online banking, then select Payments & Transfers from the blue banner and choose the Pay Credit Card From Non-Royal Account option to go to the credit card portal.
2. Select Payments from the top menu and choose Manage under Payment Accounts to set up a new account. Enter the routing and account number for your other financial institution and confirm the account.
3. Select Make A Payment from the Payments menu screen. Choose a frequency and select a payment amount. Confirm your payment.
4. If you set up recurring payments, you can change your payment arrangement by navigating to the Payments menu, then using the Manage option in the AutoPay section.
Using the mobile app:
1. Log in to the mobile app, then choose More from the bottom menu and select Credit Card Access.
2. You’ll be taken to a small-screen version of the credit card portal. This portal is the same as the computer-sized version, so the same instructions from above apply.
3. Start at Step 2 above to enroll your account from another financial institution and continue to Step 3 to make your payment.

You may also submit your payment by mailing a check. Mail payments to: Royal Credit Union, PO Box 970, Eau Claire, WI 54702-0970

Why Don’t I See The Credit Card Payment I Just Made?

It does take 24-48 hours for a payment to be applied to your credit card. The most up-to-date information about your credit card balance can be found in online banking on the Credit Card Access screen or in the mobile app using the Credit Card Access option on the More menu.

How Do I Redeem uChoose Rewards®?

From online banking or our mobile app, choose the Credit Card Access menu option (found on the More menu on mobile, or the Cards menu in online banking). Select the uChoose Rewards® option to go to the uChoose Rewards® site where you can see and redeem your rewards points. You can also redeem uChoose Rewards® by calling 855-224-5855.

How Do I Dispute A Credit Card Charge?

If you have a dispute about a charge on your Royal credit card, you can call 800-853-0872 or you can file your dispute from online banking. From online banking or our mobile app, choose the Credit Card Access menu option (found on the More menu on mobile, or the Cards menu in online banking). Under Transactions, choose the transaction you would like to dispute and select Dispute This Charge. Answer the questions and choose Submit & Save.