Credit Card FAQ
So, you have questions. You can always count on The First State Bank to give you the answers you seek. Look below for some of the most Frequently Asked Questions (FAQ's) about Online Cardholder Services. If you have a question that is not answered here, email 
.
-
What information is required of cardholders in order to enroll?
-
Can cardholders make payments to credit card accounts online?
-
What happens if a customer forgets their password or gets locked out of the site?
Q. What is the URL for the site?
A. The URL is www.mycardstatement.com
Q. Is the site secure?
A. There are processes in place that guarantee the security of the www.mycardstatement.com site.
Standard Internet Security
The www.mycardstatement.com site is protected by Secure Socket Layer (SSL) technology that is a standard method of protecting data on the Internet.-
Enrollment Process
The enrollment process required for each cardholder minimizes the likelihood that anyone other than the cardholder can access the site. The enrollment process requires that the cardholder enter the Account Number correctly and match 4 of 6 additional data elements that include the cardholder's social security number, CVV2 Number, name as it appears on card, name of cardholder, home phone, zip code and mother's maiden name. Once the cardholder is successfully authenticated, the cardholder is required to set up a user name and password that will be used to access the site in the future.
Q. What browsers can access the site?
A. www.mycardstatement.com supports the major browsers running on the most-widely used operating systems available to personal computer users. These include Microsoft Internet Explorer versions 4.0 or higher, Netscape Navigator/Communicator versions 4.0 or higher, and AOL Online Software for Windows, Version 4.0 or higher.
Browsers must be running on Windows 95, 98 or NT, or Mac platforms (Mac users must be running Internet Explorer 4.0 or later). If the cardholder is using a modem to connect to the Internet, it must run with a baud rate of at least 28,800 (28.8KB).
Q. How often is the online credit card information updated?
A. Most information is updated soon after nightly batch processing. However, some information, such as account status, available credit, and credit limit are updated real time. The "as of" date is displayed in the information window with the data presented.
Q. What information is required of cardholders in order to enroll?
A. The account number, social security number, CVV2 number and two more of the following tokens including name as it appears on card, phone number, ZIP code and mother's maiden name are required to enroll.
Q. Can cardholders make payments to credit card accounts online?
A. The cardholder can click the "Pay Bill Online" link to submit their payment information so they can pay their credit card bill online.
Q. Is it possible to dispute transactions on the site?
A. Yes the site facilitates initiation of a dispute by providing a template. The cardholder can click the 'Dispute this Transaction' link to display an information page. The cardholder can link to the Dispute Transaction Form in which some of the fields are pre-populated. The cardholder prints the form and signs mails it to the Customer Service address shown on the page.
Q. Can accounts with foreign addresses access the site?
A. Yes, accounts with foreign addresses can access www.mycardstatement.com.
Q. What happens if enrollment fails?
A. After 3 failed enrollment attempts, an error message and a customer service phone number is displayed. Further enrollment attempts will be disallowed, until the cardholder is authenticated over the phone by an Equifax customer service representative. The customer service representative can assist the cardholder with enrolling and identifying why the cardholder was unable to enroll. If the cardholder does not have enough information for authentication, the customer service representative will refer the cardholder to call the institution so that the cardholder information can be updated.
Q. What happens if a customer forgets their password or gets locked out of the site?
A. If a cardholder enters an invalid user name or password, an error message is displayed with a link allowing the cardholder to try again. If the cardholder fails to log in three consecutive times, the account is locked and the cardholder must call the Customer Service phone number. The customer service representative can unlock the user name and reset a cardholder's password if necessary.
Q. How can an individual cardholder opt out of this program?
A. After enrolling, the cardholder can click on the Cardholder Profile menu option and then click on the 'Disable online access' link.
"Disenrollment" allows the cardholder to disable access on their account. Once disenrollment is activated, the current session is immediately terminated and all saved settings and searches will be disabled. A cardholder can also call an Equifax customer service representative to disable access. In both cases, the account will be blocked from anyone having access to the information. If the cardholder decides that they want to enroll again at a later date, they would have to contact an Equifax customer service representative to remove the block. The cardholder will then be able to enroll again using the Web site.
Q. Is it possible to activate a credit card online?
A. No. The cardholder will still need to call the 800-number printed on the sticker when they receive the card to activate it.
Make your online purchases more secure by using the Verified by Visa™ feature.
To get started now or login, go to www.mycardstatement.com. If this is your first visit, click the "Enroll for Online Services" link to the left once there.
To see the online user's guide, visit the Online Credit Card Guide.
