MasterCard Upgrade
Debit Cards
- Why is Mission Fed upgrading from Visa® to MasterCard®
Mission Fed is always looking for ways to offer our members more advantages, and offer the best products to meet your financial needs. Our new Mission Fed Platinum Debit Cards give you the same convenient way to make purchases along with some enhanced buyer protection and special offer programs that we think you’ll love. Watch for more details coming soon! - Will both credit and debit cards be upgraded to a MasterCard?
Yes. We are upgrading all Visa Credit and Debit Cards to MasterCard. - When will I get my new card?
Your new Debit Card will arrive 1-2 weeks after you receive the first notice in the mail. All members should receive their new MasterCard by mid-June. If your Visa expires in March, you will receive a Visa in the mail first, and then your new MasterCard shortly afterwards. - When will my Visa card stop working?
Your Visa card will stop working 30 days after you are mailed your new MasterCard, or the Visa’s expiration date, whichever comes first. - How long can I wait before activating my new card?
We recommend you activate it as soon as you receive it. You should activate your new MasterCard within 30 days of receiving it to ensure that you have a functioning debit card once your Visa card is deactivated. - What do I need to do to…
- Start using my new card?
When you receive your new card in the mail, you will need to call the 800 number on the sticker to activate the card. Be sure to stop using your Visa card once you activate your MasterCard. - Dispose of my old card?
The safest way to dispose of your old card is to shred them or cut them into pieces. - Start using Purchase Assurance/Insurance programs?
Your signature-based purchases will automatically be covered by MasterCard’s purchase protection programs – no need to enroll or register! Be sure to use your Debit Card with a “credit” option at the point of sale, instead of your PIN, to make sure you’re taking advantage of this great benefit.
- Start using MasterCard MarketPlace™/Overwhelming Offers?
To sign-up for MasterCard’s MarketPlace and Overwhelming Offers programs, please visit http://www.marketplace.mastercard.com to set up your account and start saving! - Is there anything else I should do?
Some merchants participate in the MasterCard SecureCode™ program that gives you additional security when making purchases online. To enroll, visit the MasterCard SecureCode website.
- Start using my new card?
- What do I need to do with automatic/recurring payments on my Visa card?
For any payments tied to your Visa Debit Card, you will need to contact the payee and give them your new MasterCard info, as your card number and expiration date will be different. Any authorization requests from payees with the previous Visa card number will be denied 30 days after you receive/are mailed your MasterCard. - What will happen with the PIN on my Visa card?
For most members, your PIN should stay the same. You will receive a confirmation of your PIN in the mail shortly after you receive your new card. If the PIN that is mailed to you is different from what you were using on your Visa Debit Card, please bring your MasterCard into one of our branches and we will update it for you. - How will this affect me when I use my card with merchants?
It shouldn’t affect you at all. MasterCard is accepted at over 25 million locations worldwide. In the rare instance that MasterCard isn’t accepted for signature-based purchases, you can make the purchase using your Debit Card’s PIN instead. - How can I make sure I’m receiving all the benefits of my new MasterCard Debit Card?
Most of the benefits with your new card are tied to signature-based transactions instead of your PIN. Wherever possible, select “Credit” at the point of sale and use your signature to authorize your purchases and you’ll get the most out of your new card! - What will the new Platinum Debit cards look like?
Credit Cards
- Why is Mission Fed upgrading from Visa to MasterCard?
Changing from Visa to MasterCard lets us continue to provide a credit card with a great rate, rewards program and no annual fee and also add some enhanced buyer protection, travel insurance and special offer programs that we think you’ll love. Watch for more details coming soon! - Will both credit and debit cards be upgraded to a MasterCard?
Yes. We are upgrading all Visa credit and debit cards to MasterCard. - When will I get my new card?
Your new Credit Card will arrive 1-2 weeks after you receive the first notice in the mail. All members should receive their new MasterCard by mid-June. If your Visa expires in March, you will receive a Visa in the mail first, and then your new MasterCard shortly afterwards. - When will my Visa card stop working?
Your Visa card will stop working 30 days after you are mailed your new MasterCard, or the Visa’s expiration date, whichever comes first. - How long can I wait before activating my new card?
We recommend you activate it as soon as you receive it. You should activate your new MasterCard within 30 days of receiving it to ensure that you have a functioning credit card once your Visa card is deactivated. - What do I need to do to…
- Start using my new card?
When you receive your new card in the mail, you will need to call the 800 number on the sticker to activate the card. Be sure to stop using your Visa card once you activate your MasterCard. - Dispose of my old card?
The safest way to dispose of your old card is to shred them or cut them into pieces. - Start using the free Mission Rewards program?
Free Mission Rewards will be available for all Platinum and Classic MasterCards. Rewards will not be offered on Equity (HELOC) credit cards. If you already participate in free Mission Rewards, your points will automatically transfer to your new card and will continue to accumulate for purchases on your new card.
For security purposes, you will need to re-register your new MasterCard number on the Mission Rewards website to view your points or redeem them - http://www.selectyourrewards.com/MissionRewards. - Start using Purchase Assurance/Insurance programs?
All Platinum Credit Cards will be covered by MasterCard’s Purchase Assurance program. Your signature-based purchases will automatically be covered – no need to enroll or register! - Start using MasterCard MarketPlace/Overwhelming Offers?
To sign-up for MasterCard’s MarketPlace and Overwhelming Offers programs, please visit http://www.marketplace.MasterCard.com to set up your account and start saving! - Is there anything else I should do?
Some merchants participate in the MasterCard® SecureCode™ program that gives you additional security when making purchases online. To enroll, visit the MasterCard® SecureCode™ website.
- Start using my new card?
- What do I need to do with automatic/recurring payments on my Visa card(s)?
For any payments tied to your Visa Credit Card, you will need to contact the payee and give them your new MasterCard info, as your card number and expiration date will be different. Any payments that attempt to use your Visa card will be rejected 30 days after you receive/are mailed your MasterCard. - What will happen with the PIN on my Visa card(s)?
For most members, your PIN should stay the same. You will receive a confirmation of your PIN in the mail shortly after you receive your new card. If the PIN in the mailer is different from what you were using on your Visa Credit Card, you can either call the number on the mailer or bring your MasterCard into one of our branches and we will update it for you. - What will happen with my current Visa balance?
Your credit card loan won’t be changing with the MasterCard upgrade, just the card you use to access it. You will keep the credit card balance with purchases from your Visa card and purchases on your new MasterCard will start adding onto that previous balance. - What is the annual fee for the credit card?
The annual fee for our MasterCard Classic and Platinum cards will still be $0. Fee-free is the way to be! - Will the new card appear as a new credit line on my credit report?
No, your credit history will not be affected by this change. - What will my interest rate be?
We won’t be changing any interest rates with the upgrade, so the rate on your Visa will transfer over to your MasterCard. No small type, no strings attached – we’ve got your best interest at heart! If you currently have a Visa Gold Credit Card, you will be upgraded to a Platinum Card, but your rate will remain the same. - What are the new conditions/terms with my new card(s)?
You’ll receive a copy of your credit card agreement in the letter announcing that your new card is on its way. We haven’t changed any of the conditions/terms of our cards with this upgrade. For all the terms and conditions on our cards, please see https://www.missionfed.com/loans/mission-federal-credit-cards. - How will this affect me when I use my card with merchants?
It shouldn’t affect you at all since MasterCard is accepted at over 25 million locations worldwide. - How will my Gold Visa be upgraded to a Platinum MasterCard?
With the upgrade from Visa to MasterCard, we also upgraded Gold cards to Platinum cards. This will give you additional benefits while maintaining your current card limit and interest rate. If you’re interested in changing the limit or interest rate on your card, please visit one of our branches or call us at 800.500.6328. You can check out your new perks at https://www.missionfed.com/loans/mission-federal-credit-cards - Will I receive a separate monthly credit card statement for my MasterCard purchases?
You will continue to receive one monthly credit card statement, whether via eStatements or through the mail. Your Visa and MasterCard charges will appear on the same statement.
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