- How does a Reloadable Student Visa Prepaid Card work?
- How do I know the balance on my Card?
- Where can my Card be used?
- Is there transaction or reload limits?
- Who can order or use the Card?
- If the Card is purchased by a parent for a student, will the student be able to view the parent's funding information on the website?
- How do I get a Card?
- Does the cardholder need to sign an agreement?
- How do I activate my Student Prepaid Card and obtain my PIN?
- What happens if I need to return an item?
- What if the purchase is denied?
- Can I reload the Card?
- Why might my initial load or reload be declined?
- Can the Card ever have a negative balance?
- How do I find an ATM when I travel - especially overseas?
- What is the exchange rate when I get to another country?
- When I travel, are my receipts in U.S. dollars or the local currency?
- What happens if my Visa Card is lost or stolen?
How does a Reloadable Student Visa Prepaid Card work?
It's a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.[back to top]
How do I know the balance on my Card?
You can check your balance at our website, www.vystarcu.org, or by calling customer support at (866) 901-8090. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.[back to top]
Where can my Card be used?
Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa Interlink ATM worldwide.[back to top]
Is there transaction or reload limits?
Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals and cash advances performed within a certain time period. To learn more about the current limits, please reference your terms and conditions.[back to top]
Who can order or use the Card?
Our Visa Prepaid Card can be purchased by a VyStar member that has a valid VyStar check or credit card registered in his or her name. The individual purchasing the card is defined as the primary account holder. The address listed for the primary account holder must match the billing address for the debit/credit card used to purchase the Student Card. When purchasing a card for a young person with no card experience, be sure to go over all of the materials that accompany the card.[back to top]
If the Card is purchased by a parent for a student, will the student be able to view the parent's funding information on the website?
No, both the student and the parent will have unique User IDs allowing the funding information to be visible to the parent only.[back to top]
How do I get a Card?
You can order a Student Card directly at this site.[back to top]
Does the cardholder need to sign an agreement?
Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by either signing the back of the card, using the card, or receiving the card by request.[back to top]
How do I activate my Student Prepaid Card and obtain my PIN?
Cards can be activated by logging into this site and clicking on the Activate Card button, or by calling the customer support number listed on the back of your card. On the web, choose Change PIN to choose your PIN. Over the phone, an assigned PIN will be automatically spoken after your card is activated and you'll be given the opportunity to select a new PIN if you choose.[back to top]
What happens if I need to return an item?
Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your Card. They may credit your Card; provide a cash refund, or a store credit.[back to top]
What if the purchase is denied?
If a decline occurs, the card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants - for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines - preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is "held" until the transaction settles to your Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires a minimum balance of $25.00. Again, only the actual amount spent will ultimately be deducted from the card.[back to top]
Can I reload the Card?
Yes, with a maximum of 8 loads in a rolling 30 days. To reload using the credit or debit card registered during enrollment, primary cardholders can visit the website or call the number listed on the back of their card. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card.[back to top]
Why might my initial load or reload be declined?
Possible reasons your initial load or reload might be declined are: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the VyStar Reloadable Student Visa Prepaid Card website, or the debit/credit card expiration date or 3 digit code listed on the website is incorrect. First, verify your funding source information. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.[back to top]
Can the Card ever have a negative balance?
Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds immediately onto the card or funds may be drafted from the primary funding account.[back to top]
How do I find an ATM when I travel - especially overseas?
Visit our website at www.vystarcu.org or use the ATM locator found at www.visa.com for participating Visa ATMs both domestic and abroad.[back to top]
What is the exchange rate when I get to another country?
The exchange rate is determined by the rate of exchange on the date of purchase. Using your Card at an ATM can be less expensive than using a currency exchange to get foreign currency.[back to top]
When I travel, are my receipts in U.S. dollars or the local currency?
Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.[back to top]
What happens if my Visa Card is lost or stolen?
We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling (866) 901-8090. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card's available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges.[back to top]