Credit Card

How can I apply for a credit card?

To apply for a MasterCard, call our 24-hour lending center at 1-866-491-3861 or visit our online application page here.

How do I activate my debit or credit card?

To activate a debit or credit card, please call the card activation number at 800-543-5073 within 60 days of receiving the card.

How do I dispute a charge(s) that appears on my credit card?

If a charge appears on your statement that you wish to dispute, first contact the merchant in an attempt to correct the situation. In the event that the merchant can't help, submit a detailed letter, which must include the following:

  • Cardholder's name and signature
  • Credit Card Number
  • Transaction Amount(s), Purchase Date(s), and  Merchant Name(s)
  • Explanation of why charge(s) are being disputed
  • What steps have been taken to resolve the dispute with the merchant
  • Include copies of any pertinent documentation to help prove cardholder's case (receipts, brochures, proof of return, etc.)

Please mail your letter to:
Cabrillo Credit Union
PO Box 261169
San Diego, CA 92196

You may speak with our Member Support Department at 800-222-7455, option 3, for information regarding your dispute.

How do I earn Points?

Simply use your ScoreCard Rewards participating card for your purchases. You will earn Points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the Points available in your account.

For additional information, read the ScoreCard Rewards FAQs.
 

How do I know how many Points I have?

Point balances are always available on www.scorecardrewards.com or you may call Award
Headquarters at (800) 854-0790 to verify your balance.
 

How do I log in to the ScoreCard Rewards website?

On your first visit to the site www.scorecardrewards.com, you will need to set up your profile with a username and password. You will also be asked to set up some security question and answers for password retrieval. Once you create your profile you will log in with your username and password. You may browse the rewards site by clicking on the “Browse Catalog” link from the log in page. Point balance and redemption capabilities are not available in the browse feature of the site.

What is ScoreCard Rewards?

ScoreCard Rewards is a rewards program offering Points for qualifying purchases. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, and more (each, an “award”).

How do I make my credit card payment?

Credit Card payments can be sent to:

Cabrillo Credit Union
5814 Van Allen Way
Carlsbad, CA 92008

Members can also establish automatic monthly payments from their checking or savings account in eBranch. While logged into eBranch, click on the Transfer tab and choose Recurring Transfer. Choose which account you would like your payments to come from and which account (credit card or other) you would like the payment posted to. You can either specify the date you want the payments to stop or choose the option “Continue until cancelled,” then click “Submit.”

Note: Establishing a recurring payment to your MasterCard in eBranch will only let you do so for your minimum monthly payment. If you would like to set it up for more than the minimum, contact the Member Support Department at 800.222.7455 and they can setup the transfer for you for any amount you would like.
 

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