Upgraded VISA Credit Card Program
Space City Credit Union has launched a new credit card partnership with Elan Financial Services! With our updated card program, you will have the option to choose cards that offer travel and cash rewards. Please remember to check your mailbox for your new card and activate it to start enjoying all these exciting perks.
Your current VISA credit card will no longer work after March 20, 2025. Make sure to activate your card today to avoid any service disruptions.
Credit Card Options:
With this partnership comes exciting new credit card options. The best part? You get to choose. Find the personal or business card that’s right for you.
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
No matter which card you choose, you’ll enjoy important features like:
- Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
- Mobile Purchasing capability for added convenience.
- Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Plus much more!
Consumer Credit Card Options
Visa Everyday Rewards+Card
VISA Signature Max Cash Preferred Card
VISA Platinum Card
VISA Travel Rewards+ Card
VISA Reserve Rewards+ Card
VISA Max Cash Secured Card
VISA Secured Card
VISA College Real Rewards Card
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
Free online expense reporting tools.
- No fee for additional employee cards
- Mobile payment capability for added convenience.
Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
Cardmember Service available 24 hours a day/365 days per year.
Business Credit Card Options
VISA Business Cash Preferred Card
VISA Business Real Rewards Card
VISA Business Card
Smart Business Rewards VISA Signature Card
VISA Signature Business Company Card
VISA CommUNITY Card
Frequently Asked Questions:
Why is my account changing?
The credit card issuer of your account has been changed to Elan Financial Services®. With this change you will be able to take advantage of:
- Exceptional Value – Enjoy the financial freedom you desire, with the added benefit of no annual fee.
- Continued Superior Service – Responsive, helpful, and prompt service is available 24 hours a day, 7 days a week when you contact Cardmember Service.
- Online Access – Check your statements, pay your bill, get account alerts, set up auto pay, add authorized users and more 24 hours a day. Business accounts also have access to reporting tools to help monitor and analyze spending.
- Mobile App – You can access and manage your personal or business credit card account right in the palm of your hand.
- Reliable Fraud Protection – You’re protected from fraudulent use of your card or account information, so you won’t be held responsible for any unauthorized purchases. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Cardmember Service promptly of any unauthorized use. Certain conditions and limitations may apply.
When can I start using my new credit card?
Consumer Card Accounts:
As soon as you receive your new credit card, call to activate it, and begin using it right away. Your new card will be mailed by 3-7-25. You can activate your new credit card online at myaccountaccess.com/activate or call 1-800-553-7650.
Business Card Accounts:
Business cards do not require activation. Begin using it right away. Your new card will be mailed by 3-7-25.
When should I stop using my current card?
As soon as you receive your new one, that will be mailed by 3-7-25. Remember to destroy your old card.
Will my credit limit?
You will continue to enjoy the same credit limit on your new card. Your credit limit will be shown on the card mailer that will arrive with your new card.
Can I request a new credit limit?
You can call Cardmember Service 24/7 at the number on the back of your new card to apply for a credit line increase at any time.
How do I request a PIN to access my account?
Consumer Card Accounts:
PINs may be requested once you receive your new credit card by contacting Cardmember Service. The phone number will be listed on the back of the card.
Business Card Accounts:
Existing PINs will not convert. If your business account has cash access, a PIN will be mailed to you approximately five days after you receive your new Business Card.
Will my payment date change?
Your payment due date may change. If you wish to select a new payment due date, you can contact Cardmember Service once you receive your first statement from Elan.
My card expires the same month as I am scheduled to receive my new one. What should I do?
You will receive your new card before your current one expires.
What should I do if I have not received my new card?
If you have not received your new card, please contact Cardmember Service, 24/7, at 1-800-558-3424 (Business = 1-866-552-8855) to request a replacement card. This the general servicing number, please check the back of your card for your servicing number. Expected mail time can be 7-10 business days from mail by date.
Why does my current card no longer work?
Your current card will no longer work as of 3-20-25, regardless of the expiration date shown on your card.
What will happen to my current balance?
All balances will transfer automatically to your new credit card account. All Introductory and Promotional offers will be honored for the duration of the offer. For consumer accounts, any existing balance will remain at their current APR.
Is there a new credit card insurance program available with my new card?
No, Elan does not offer a credit card insurance program. However, cardmembers are encouraged to explore the benefits that Visa offers.
Will my credit card account number change?
Yes, you will have a new credit card Account number.
Will my account number be the same as all cardholders on my account?
All cardmembers on consumer accounts will be issued the same card number. Cardmembers on business accounts will each have their own unique card number.
Do I need to update my account number anywhere (recurring payments; bill pay; automatic billing)?
Yes, anywhere your current account number is stored will need to be updated with your new account number. Don’t forget to add your new credit card to your device.
What happens if I forget to update the account numbers prior to 3-20-25?
The transaction may be applied on the new Account. Please update your account number anywhere it is stored, as soon as possible, to avoid service interruption.
Payment of my credit card bill is done automatically every month via Auto Pay. Will this continue?
No, this service cannot automatically be converted to your new Space City Credit Union Account with Elan. Please be sure to send your payment prior to the payment due date, indicated on your most recent credit card statement from Space City Credit Union, to avoid any potential late charges. You will be receiving Auto Pay enrollment information soon. The form included can be mailed in with your payment, or you can send it to the address below:
Cardmember Service
PO Box 6354
Fargo, ND 58125-6354
What payment methods are available with my new Account?
You may pay your monthly bill by:
- AutoPay, Pay Your Statement Automatically
- Pay Online, A Quick Way to Pay
- Pay by Mobile, Make a Payment with Just a Few Taps
- Pay by Phone, Call in Your Payment Each Month
- Pay by Mail, The Traditional Way to Pay
Once you receive your new credit card, you will receive more information about enrolling in these payment options.
Where do I mail my payment after the change to the new program?
Please mail your payments to the address below:
Cardmember Service
PO Box 790408
St. Louis, MO 63179-0408
What if my payment arrives after 3-20-25?
The payment will be applied to your new Account number.
What is the overnight address to send my payments to?
Please mail your overnight payments to the address below:
Cardmember Payments
Attn: 790408
3180 Rider Trail S
Earth City, MO 63045-1518
Will I be able to continue to make branch payments?
No, please refer to our other convenient payment methods.
Will I be able to continue to make payments online?
Yes, you can make payments and manage your account at www.myaccountaccess.com.
Is there an annual fee with my new credit card?
No, your new credit card has no annual fee.
What will my new rates be?
Please refer to the change in terms notification letter dated 1-29-25 that was recently sent to you.
How do I change to a different product {i.e., rewards; lower APR}?
Once you receive your new credit card in March, you may contact Cardmember Service directly by phone. The representative will discuss the specific criteria associated with a product change and may review other available offers.
How do I obtain a copy of the Change-in-Terms letter?
We would be more than happy to request a reprint of your change-in-terms letter. Once the reprint is obtained, it will be mailed to the address on file.
Is the new credit card company going to solicit me for other business or share my account information with other companies?
Elan’s Privacy Pledge describes how they collect, protect, and use confidential financial and other information about you and the circumstances in which they might share information about you with members of their corporate family and with unaffiliated third parties.
If I do not accept the new terms, how do I opt out of the changes to my account?
If you choose not to accept your new terms and wish to close your current account, please notify Elan by 3-20-25. You may notify Elan by contacting the 24-hour Cardmember Service Department at 1-800-242-4271 {business = 1-800-249-0646}, or in writing at the following address:
Cardmember Service – 35609
P.O. Box 6337
Fargo, ND 58125-6337
If you elect to opt out, you should continue to pay any outstanding balance as outlined in the terms of your existing account.
Please note: Even if you have notified Elan that you wish to close your Account, the Account may continue to receive any automatic recurring charges that were previously set up to happen until you cancel.
For more details about the new terms of your account, your responsibilities using your account and Elan’s responsibilities and obligations, please be sure to review your Cardmember Agreement as soon as you receive it. Cardmember Agreements will be mailed by 3-3-25.
When does the opt-out period end?
The Opt Out period ends 3-20-25, please notify Elan regarding the decision to opt out as soon as possible. Opting Out will close your account.
I just received my first credit card statement for my new Account number and there is a previous balance. What is this balance?
This is your account balance from your previous account.
When will I no longer have access to my current statements online?
As of 3-20-25.
How can I access my previous statements?
Once you receive your new credit card you may contact Cardmember Service directly, by phone, to request copies of previous statements.
Am I able to place a temporary hold on my new account if I have misplaced my card, but believe I know where it is?
Yes, you can place a temporary hold and manage your account at www.myaccountaccess.com or you can call Cardmember Service 24/7 at the number on the back of your new card.
Where is the Cardmember Service Center located?
Fargo, North Dakota; Coeur d’Alene, Idaho and Overland Park, Kansas.
Are there translation services available?
Yes.
Will the responsibility of liability assigned to our business account change?
No, the liability structure of your new business card Account will remain the same. However, in cases of a program where the current structure supports a Company only liability with a revolving minimum due, a mailing will be issued to select new product/ liability terms with Elan.
I currently receive one consolidated billing statement for all accounts within my Company. Will this feature continue?
Yes, as part of the conversion, this feature will automatically continue.
Who will have authorization to make changes on behalf of the company?
If there is an Authorized Officer (AO) identified, they will be able to make changes on behalf of the company. If there is not an AO named, then a letter will be generated requesting one. No changes can be made to the company account without an AO on file.
Will I be liable for the credit card balances as the Authorized Officer?
If you are currently set up under company and AO liability, and named as the Authorized Officer, you and the company are identified as the liable parties for the credit card balances of the company.
What is the Business Card Company Profile form included with the business letter I received?
The Business Card Company Profile form is used to obtain an Authorized Officer (AO), along with all regulatory required information.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.