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Credit Card Frequently Asked Questions

How do I prequalify for a BankMobile Credit Mastercard® and what can I expect when I apply?

Simply click here or go to https://cards.bankmobile.deserve.com and answer a few questions to find out if you qualify for a BankMobile Credit Mastercard®, without affecting your credit score. We request information such as your name, address, date of birth, and social security number among other things. If you qualify for a credit card offer, you will have the option to complete the application, accept the rate and terms of the offer, and will be prompted to review your information as well as read and accept disclosures. We will verify your personal and credit information prior to issuing a final approval. For an effortless application process, please be sure that the information you provide is accurate. We may ask for additional documents if we need to clarify information. After accepting an offer, the card will be delivered to you in 7 to 10 business days. If additional documents are requested in order for the credit card application to be decisioned and finalized, please submit as quickly as possible, but no later than within 30 days of application start date; otherwise the application process would have to start over. Once the additional documentation is received, it is generally reviewed within two business days. The BankMobile Credit Mastercard® is issued by Customers Bank.

How can I find out the status of my credit card application?

If you apply online, you will generally get a response in minutes. For general questions related to the application process, please email bankmobilecreditcards@deserve.com. You can expect a response within approximately 1-2 business days. We will notify you in writing of our decision within 30 days of your application start date. Please note that Adverse Action Letters will be sent via Email.

Can I change my credit card application after it has been submitted?

You will not be able to edit your application once it is submitted. Please be sure to verify your information prior to submitting. If you've made a mistake on your application, please reapply with the corrected information. If you wish to withdraw from the application process, please email bankmobilecreditcards@deserve.com and we can assist you with doing so.

How do you determine my credit line?

We will determine your credit line after a review of your application and the ability to repay. If your application is approved, the minimum credit line you will receive is $500.00. Credit lines range from $500.00 to $10,000.00 based on qualifications and credit worthiness.

How does applying for a credit card affect my credit?

Checking to see if you qualify for will not affect your credit score. Click here or go to https://cards.bankmobile.deserve.com to answer a few questions and see if you qualify. If you proceed with your application after pre-qualifying, your credit score may be impacted.

A soft inquiry may be recorded in your credit report, depending on the credit bureau, but it does not affect your credit score. A soft credit inquiry occurs when you initially check to see if you are eligible for a credit card offer and rate based on submitting basic information such as your name, address, and date of birth.

Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a credit decision. Hard inquiries might lower your credit score and they may remain on your credit report for two years. A hard pull occurs after you accept your offer and proceed with the credit card application.

What agreements am I required to accept as part of the application process?

To check your rate and learn which credit card offer that you qualify for, you must agree to all applicable laws as set forth in the Customers Bank Privacy Policy , the Deserve Privacy Policy and Electronic Communications Policy. If you choose to accept the credit card offer, you must agree to the Cardholder Agreement , Truth in Lending Disclosure and Credit Report Consent. You must read and agree to all these agreements and policies carefully as they include important information relating to your BankMobile Credit Mastercard®.

Can I negotiate my rate or other terms?

No, unfortunately, you cannot negotiate the rate or terms. Rates are generated based on the details that you entered onto our application along with your soft credit pull.

Why do you need my social security number?

We use your social security number to run your credit report and verify your personal information. Your personal information is stored securely and used in accordance with all applicable laws as set forth in the Customers Bank Privacy Policy and the Deserve Privacy Policy. Please note, seeing if you qualify will not affect your credit score.

Can I withdraw or delete my application?

If you wish to withdraw from the application process, please email us at bankmobilecreditcards@deserve.com and we can assist you with doing so. We are happy to withdraw your application; however, please note that we cannot delete your application or any of the supporting documentation that was submitted or collected during the application process at this time. Protecting your data and privacy is one of our highest priorities! You can rest assured that your personal information is stored securely. We handle all our customer data in accordance with all applicable laws as set forth in the Customers Bank Privacy Policy and the Deserve Privacy Policy. If you no longer wish to hear from us, you can always opt out of receiving promotional emails by contacting bankmobilecreditcards@deserve.com or clicking the Unsubscribe within our email.

I did not pre-qualify for a credit card offer. Can I still continue with the application?

The prequalification is a preliminary step in analyzing your ability to qualify for one of our credit card products. Prequalifying does not impact your credit score. If you did not prequalify for a BankMobile Credit Mastercard®, you can feel free to come back and see if you prequalify at any time in the future. If you did not pre-qualify for a card, you can still choose to move forward with the credit card application, but please note that if you proceed with the application, a hard credit inquiry will be processed and your credit score may be impacted.

My application was declined. Can I apply again?

Yes, you may apply again at any time, as your circumstances improve. Prequalification does not impact your credit score.

What fees am I charged?

The BankMobile Credit Mastercard® is very competitive and does not have an annual fee. Fees are listed below as they are stated in the Cardholder Agreement.

Fees
Annual Fee None
Transaction Fees  
  • Balance Transfer Fee
Either $5 or 3% of the amount of each Balance Transfer, whichever is greater.
  • Cash Advance Fee
Either $5 or 3% of the amount of each Cash Advance, whichever is greater.
  • Foreign Transaction Fee
0% to 3% of each transaction in U.S. dollars.
Penalty Fees  
  • Late Payment
Up to $38.
  • Returned Payment
Up to $38.
Other Fees  
  • Rush Card Fee
Up to $25.

Do the BankMobile Credit Mastercard® accounts have fixed rate or variable rates?

The BankMobile Credit Mastercard® is issued by Customers Bank and has a variable interest rate, tied to the prime rate, which means it can change throughout the life of the card. Complete our brief application by clicking here or go to https://cards.bankmobile.deserve.com to find out your personalized interest rate and APR.

How many BankMobile Credit Mastercard® accounts can I apply for?

A customer is eligible to have a maximum of one BankMobile Credit Mastercard® at a time.

Can I use a cosigner or apply with joint applicant?

No, not at the current time; all credit card applications must be applied for in an individual name.

When will I receive my new credit card?

Once you're approved, you'll receive your BankMobile Credit Mastercard®, credit limit information, and welcome materials by mail within 7 to 10 business days. Please allow ample time for your card to arrive as some cardholders have experienced periodic delays in US Postal delivery. You'll need to activate your credit card before you use it. To activate your card, register and log into www.ezcardinfo.com. Once logged into the eZcard site, go to Account Services and select the option to activate your card or call 1-800-456-6870 or 1-727-570-4888 (Collect from outside the US) to activate.

How do I activate my card?

To activate your card 24/7, register and log into www.ezcardinfo.com. Once logged into the eZcard site, go to Account Services and select the option to activate your card or call 1-800-456-6870 or 1-727-570-4888 (Collect from outside the US).

Can I increase my credit limit after I have accepted my credit terms?

In the future, Customers Bank, the issuer of the BankMobile Credit Mastercard®, may conduct a review of all accountholders credit to consider cards for credit line increases. Cardholders will be notified if the credit limits are increased.

Am I eligible for a credit card?

To be eligible to qualify for a BankMobile Credit Mastercard®, customers must:

  • Be a U.S. citizen or permanent resident currently living in the U.S., unless military personnel on active duty, in which case it is not required that the applicant be currently living in the US
  • Not be a Resident of AZ; CT; DC; HI; IA; MA; MD; ME; NH; NM; ND; NV; OR; PA; RI; TX; VT; WA; WV and WI nor be a resident of one of the US Territories
  • Be at least 18 years old and has certified that he/she is of legal borrowing age in the state of your primary residence
  • Have a valid email account
  • Have a verifiable name, date of birth, and social security number
  • Have income to support the overall debt obligation, for example: have a full-time job, a full-time job offer starting in 6 months, a regular part time job, or another source of regular income
  • Meet our minimum credit requirements

What information is required to apply for a BankMobile Credit Mastercard®?

You'll need to provide personal information, including your:

  • Personal info: Full Name, Date of Birth, Social Security Number, and US Citizen/ Permanent Resident Status
  • Contact info: Physical Address (No PO Boxes accepted), Phone, and Email
  • Other Personal Information: Housing Costs, Occupation, and Education Level (optional), Primary Source of Income, and Available Assets

Note: There may be times when applicants are asked to verify some of the information above at time of application. If verification is requested, applicants will be asked to submit within 30 days of the application start date; otherwise you will be asked to reapply.

What are the minimum credit requirements to receive a credit card?

Borrowers must have a minimum FICO score of 700 as reported by Experian (credit reporting agency).

Note: We do not accept applicants with insufficient credit history to produce a credit score; FICO score is just one component of the application criteria that can impact the decisioning of the application.

Can Customers Bank make exceptions for unique situations?

Unfortunately, we cannot make individual exceptions to our eligibility requirements or minimum credit requirements. If your application is denied, you are welcome to reapply. You can do so by completing the application again.

What is considered income for obtaining a BankMobile Credit Mastercard®?

We only take your individual income into consideration. Some examples of income are:

  • Salary, paid by your employer.
  • Hourly wages including overtime.
  • Self-employment income that you’ve earned consistently for a full calendar year.
  • Trust, Pension, Disability, Retirement, or Social Security income.

How do you verify my income?

We will verify income via an authentication system called Plaid that can link up to your bank account to allow us to confirm your ability to meet monthly obligations including any new credit card payments. If your Bank is not a partner of Plaid, we will provide you with an option to send your bank statements. We will rely on Plaid to verify your stated income. If you cannot link your bank account, please submit 3 most recent months of bank statements where your income is deposited. Documentation must:

  • Have your full name.
  • Be current.
  • Be legible and complete (make sure we can see all 4 corners and can read everything).
  • Belong to you (we cannot consider spousal or household income or any information from another individual).
  • Are not password protected.

How do I submit verification documents, if requested?

Instructions will be provided via email on how to submit documentation. This is to ensure that information reported on the application is accurately inputted. Your documentation will be reviewed and all updates will be given via email. We may reach out via phone at the number provided on the application if there are additional questions.

Note: Not all applications will be required to submit documentation. Only if documentation is needed will we reach out via email.

Why weren't you able to retrieve my credit report?

The credit inquiry we do when you initially apply is based on your name, address, and date of birth. If there are any mistakes in these factors, we may not be able to get your credit information. Please make sure that there are no spelling mistakes or other errors for these entries. We will also not be able to retrieve a credit report if you have placed a freeze on your credit report. If you currently have your credit frozen or have submitted a consumer alert to the credit reporting agencies, you can contact the credit bureaus directly to unfreeze it.

What is a credit report and what information does it include?

Credit reports compile information from various lenders and other organizations. Reviewing credit reports helps lenders decide if they'll loan money to you and what interest rates they'll offer.

Credit reports contain:

  • Personal information like your name, Social Security and driver's license numbers, date of birth, current and previous addresses, and employers.
  • Public information like tax liens, judgments, and bankruptcy filings, which is reported by the courts.
  • Credit inquiries from parties who have accessed your credit report within the past two years.
  • Credit history like the number and types of accounts you have, how much you owe to your lenders, and whether you've made payments on time. The credit bureaus get this type of information from banks, creditors, department stores, and other lenders.

Note: If you are approved for a BankMobile Credit Mastercard®, you will receive a link to your Credit Score Disclosure in your approval email. A Credit Score Disclosure will reflect your personal credit score and other information relating to a credit score.

What are Credit scores?

FICO (Fair Isaac Corporation) and Vantage scoring systems are two different scoring systems used to help lenders and others make decisions about customers' creditworthiness faster and more objectively. There are 3 major credit reporting agencies: Experian, Equifax, and Transunion. Each agency reviews your financial history and compiles your credit report. A credit report is a complete history of your credit lines, loans, payments, and shows who has checked your score recently. Agencies use this full credit report to calculate and assign you a credit score, which is commonly referred to as your FICO or Vantage score. Credit scores range from 300 to 850.

Your scores will vary slightly between agencies, but any major differences may indicate an error or misconduct, so it is important to get in the habit of checking your credit score at each agency.

Additionally, your credit score may be different from the one reported by your credit monitoring service. The scores may be different because the credit monitoring company may be using different credit systems to determine the credit score. If you believe there are errors on your credit report, please contact the credit reporting agency that generated your report.

What is the difference between a soft and hard credit inquiry?

There are two kinds of inquiries (or pulls) that can occur on your credit report: "hard" inquiries and "soft" inquiries. While both types of credit inquiries enable a third party, such as you or a lender, to view the information in your credit report, only hard inquiries may impact your credit score.

Soft inquiry typically occurs when a person or company checks your credit report as part of a background check or to make a prescreened offer of credit. A soft inquiry may be recorded in your credit report, depending on the credit bureau, but it does not affect your credit score. A soft credit inquiry occurs when you initially request a rate based on your name, address, and date of birth to determine your rate and eligibility.

Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a credit decision. Hard inquiries might lower your credit score and they may remain on your credit report for two years. With Customers Bank, a hard pull occurs after you accept a credit card offer and complete the online application.

How long does negative information stay on a credit report?

Credit bureaus are required by law to remove negative information after 7 to 10 years. Visit the Consumer Financial Protection Bureau - consumerfinance.gov - for details.

When does Customers Bank update an account to the credit bureaus?

We typically share credit card account information with credit bureaus once a month. A credit report will show the date we sent the updated information.

What should I do if I find a mistake in my credit report?

You can file a dispute with the credit bureaus or directly with a lender. If you dispute through the credit bureaus, they'll let you know about anything that's updated. If you contact Customers Bank directly to dispute something on your BankMobile Credit Mastercard® account, we'll investigate and respond to you when we have the facts.

How do I contact the credit bureaus?

  • Equifax.com 1-800-685-1111
  • TransUnion.com 1-800-888-4213
  • Experian.com 1-888-397-3742
  • Innovis.com 1-800-540-2505

How do I get a copy of my credit report?

You can get a free copy of your credit report once a year from each credit bureau shown above or at AnnualCreditReport.com.

What is a Cardholder Agreement?

The Credit Cardholder Agreement states the terms and conditions of a credit card account and represents a binding agreement between you and Customers Bank. The Credit Cardmember Agreement also presents the annual percentage rate, the monthly minimum payment formula, annual fees and dispute resolution processes. Cardholder Agreement

How is my individual interest rate calculated?

All BankMobile Credit Mastercard® accounts offer a variable interest rate. We calculate the variable rate by adding a margin to the Prime Rate published in The Wall Street Journal. Margins are calculated based on each person's credit history, credentials, work experience, and education.

What's an interest charge, and when does it occur?

An interest charge is the sum of interest on your credit card account. It is broken down by transaction type: purchases, cash advances, and balance transfers. If you pay less than the full balance or pay after the payment due date or grace period is over, then you will pay interest on those transactions. Please note, cash advances and balance transfers have no grace period, which means they start accruing interest as soon as the transaction is made. Even if your cash advance or balance transfer balance is paid in full, you will have interest due.

What is the Prime Rate?

The Prime Rate is a benchmark interest rate used by Customers Bank and most other banks to set rates on consumer loan products, such as credit cards. The Prime Rate is based upon, and generally changes with, the Federal Reserve's Fed Funds Rate. You can find the current Prime Rate in the money rates column of The Wall Street Journal. If your credit card or any other loan has a variable APR based on the Prime Rate, whenever the Prime Rate changes, the variable APR on your account will likely change with it.

What is the definition of APR?

APR stands for Annual Percentage Rate. APR is the cost of credit expressed as an annual percentage. To determine the monthly periodic rate, divide the APR by 12 months. To determine a daily periodic rate, divide the APR by 365 days (366 during leap years).

What is a Periodic Rate?

The Periodic Rate is a rate of interest charge that may be imposed by a creditor on a balance for a day, week, month or any subdivision of a year.

What is the current APR for my account?

You can view the annual percentage rate (APR) for your account by viewing your BankMobile Credit Mastercard® statement. Accountholders can view their statements and disclosures online by registering and log into eZcard at www.ezcardinfo.com.

How is interest calculated?

The interest calculation can be found in the Cardholder Agreement.

Will my APR ever go back down?

If the Federal Reserve's actions lower the Fed Funds Rate, both the Prime Rate and your credit card account's APR will go down as well.

How can I reduce the amount of interest that I pay?

Accountholders can reduce the amount of interest by paying the balance in full to avoid interest charges or making payments more than the minimum due each month to reduce the amount of interest.

How will a Prime Rate change affect my minimum payment?

Your minimum payment includes billed interest charges. So, if the Prime Rate changes, your variable APR changes, and by extension your interest charges and your minimum payment may also change with it.

What is a Credit Limit?

The credit limit, also known as credit line, is simply the maximum amount of credit available to you for purchasing goods and services.

What is a Transaction Limit?

The transaction limit is the maximum amount of credit available to you for purchasing goods and services in one single transaction in one day. The daily transaction limit for your card is $7500.00 and only applies to cardholders with credit lines over $7500.

What is a Cash Credit Limit?

The Cash Credit Limit is the amount from your Total Credit Limit available for cash advances. Generally, Bank Cash Advances consist of ATM cash Advances and Over the Counter (OTC) Cash Advances. The daily limit for ATM Cash Advance is $500. The daily limit for Over the Counter (OTC) Cash Advance is $2500 and only applies to cardholders with credit lines over $2500.

What does Cash Credit Line Available mean?

Your cash credit line available is the amount of money on your credit card that is currently available for you to use for bank cash advance transactions. Generally, bank cash advances consist of ATM cash advances, over the counter (OTC) cash advances, and same-day online cash advances. Keep in mind that any bank cash advance transactions you have made but have not yet been processed should be subtracted from your cash credit line available.

How much is my Cash Credit Line?

You can view your Cash Credit Line on your statement, online on your credit card's account summary page on www.ezcardinfo.com or by calling BankMobile Credit Customer Service at 1-833-566-5244.

What happens if I go over my Cash Credit Line?

If you exceed your Cash Credit Line, you will not be able to make any additional bank cash advance transactions until you have paid your balance below the Cash Credit Limit.

Where do I go to view account summary information for the BankMobile Credit Mastercard®?

Sign up for convenient online account access by enrolling in eZcard at www.ezcardinfo.com. The BankMobile eZCard website provides comprehensive functionality to manage your credit card account.

How do I manage my credit card account? Check a balance? Pay a bill? Switch to paperless electronic statements? Update or add a payment account?

Sign up for convenient online account access by enrolling in eZcard at www.ezcardinfo.com. The BankMobile eZCard website provides comprehensive functionality to manage your credit card account. Register by establishing a username and password. Once enrolled, cardholders can log in to:

  • Get a summary of your current account status, including balance, available credit, and payment information.
  • View and print up to 18 months of detailed transaction information and statements. Please note that it can take up to 48 hours to view a statement online once the statement period and processing period occurs.
  • Activate your card by going to the Account Services tab and selecting the option to activate your card.
  • Update statement delivery options and enroll in paperless statements.
  • Search transactions and analyze spending.
  • Set-up account alerts.
  • Schedule online payments (one-time and recurring).
  • Manage payment accounts.
  • Change your password for www.ezcardinfo.com.
  • Update contact info.
  • Disable online access.
  • View dispute history.
  • Submit account inquiries on transactions, authorizations (Why a purchase was denied), fees and finance charges.
  • Download and export transactions for use with financial management software.
  • Ask a general support question or an on-line support question.

How do I make a payment to my BankMobile Credit Mastercard®?

There are several ways you can make credit card payments:

  • The fastest way to make your credit card payment is to follow the instructions at www.ezcardinfo.com. Log into your credit card account and select Make Payment. You can make same day payments or set up automatic recurring payments. Payments not received by 5:00 pm eastern time or on a day that is not a business day will be credited to your account as of the next business day. Please be sure to verify your payment account details before submitting your payment.
  • Mail your payment with your remit coupon or account number to: Customer Bank, P.O. Box 4517, Carol Stream, IL 60197-4517.
  • Call 1-833-566-5244 to make a payment by phone.
  • Accountholders with a BankMobile or Customers Bank Checking Account can schedule payments using online bill payment. When entering your payment, you will have the option to choose your Deliver By date.

How do I make a same-day payment to my BankMobile Credit Mastercard®?

To make a same day credit card payment, access your credit card account by following the instructions at www.ezcardinfo.com. After logging into your credit account, you can select Make a Payment from the Payment drop down menu to schedule a same day payment. You can also call 1-833-566-5244 anytime for assistance. Payments not received by 5:00 pm ET or on a day that is not a business day will be credited to your account as of the next business day. Please be sure to verify your payment account details before submitting your payment.

How do you apply my payments?

We apply any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances with lower APRs.

Can I change my payment due date?

Yes, an accountholder can request a due date change if the account is current. Customers should contact BankMobile Credit Customer Service at 1-833-566-5244 to request the change.

What happens if I'm late on a payment?

If you are late on a payment and your balance is past due, you will not be able to make any purchase or cash advance transactions until you have paid the balance due.

How can I report a lost or stolen card?

Please contact BankMobile Credit Customer Service immediately at 1-833-566-5244 and we'll cancel your card and send you a new one within 7 to 10 business days.

How do I request a new / replacement card?

You can request a new/replacement card by logging into www.ezcardinfo.com or by calling BankMobile Credit Customer Service at 1-833-566-5244.

Can a replacement card be rushed?

Yes, a card can be expedited for a fee of $25.00 by calling BankMobile Credit Customer Service. At 1-833-566-5244.

What if there are unauthorized charges on my card?

Please contact us immediately at 1-833-566-5244.

Why don't I see my BankMobile Credit Mastercard® in my online banking platforms with BMTX, Inc.?

Your BankMobile Credit Mastercard® has not been integrated into our core system. You can manage your card account by signing up for convenient online account access by enrolling in eZcard at www.ezcardinfo.com.

What Apps can my BankMobile Credit Mastercard® be used with?

The BankMobile Credit Mastercard® is available to use with Apple Pay, Google Pay, and Samsung Pay. Credit cards will be added to the mobile App in the future once integrated with the core banking system.

What is an authorized user?

An authorized user is someone that the primary cardholder adds to the account giving them permission to make purchases and manage other account features. An authorized user will receive their own card but is not responsible for payments. The primary cardholder gets the monthly statements and is solely responsible to make all payments.

Can I add an authorized user to my card?

Yes, you can add an authorized user by calling BankMobile Credit Customer Service at 1-833-566-5244. Please note that to add an authorized user to your account, you must be the primary cardholder. Adding a user can be done only if you've already been approved—not during the application process. We do not offer the option for co-applicants at this time, but you may add an authorized user after your account is opened.

Can I remove an authorized user from my card?

Yes, you can remove an authorized user by calling BankMobile Credit Customer Service at 1-833-566-5244. Please note that to remove an authorized user to your account, you must be the primary cardholder.

How do I get a Personal Identification Number (PIN) for my credit card?

A Personal Identification Number (PIN) is automatically assigned when you are approved for a BankMobile Credit Mastercard®. A Personal Identification (PIN) confirmation letter is sent after we have mailed your card.

Can I create my own PIN?

Cardholders can request a PIN reminder be mailed to them by contacting BankMobile Credit Customer Service by calling 1-833-566-5244.

Can I request a balance transfer?

Yes, Cardholders can request a balance transfer by contacting BankMobile Credit Customer Service at 1-833-566-5244.

How do I access and redeem my BankMobile Credit Rewards Mastercard®?

Eligible BankMobile Credit Rewards Mastercard® account holders can access the rewards site by:

log into www.ezcardinfo.com and clicking the "Review Rewards" button,
log into https://www.scorecardrewards.com.

Note: The Rewards Program Rules and FAQs can also be found on https://www.scorecardrewards.com.

What should I do if I plan to travel and use my card?

We suggest that you contact us 1-833-566-5244 to notify us of the travel plans so your credit card can be notated.

What are the fees for using a credit card in a foreign country?

For detailed information on fees, refer to your most recent Cardholder Agreement and any recent amendment(s) or contact us at the toll- free number on the back of your card.

What are some of the benefits that Mastercard provides?

Click here to view the Mastercard Guide to Benefits.

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer's approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.

Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account.

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.

When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

Australia 1-800-120-113, Mexico 001-800-307-7309,
Austria 0800-070-6138, Netherlands 0800-022-5821,
France 0-800-90-1387, Poland 0-0800-111-1211,
Germany 0800-071-3542, Portugal 800-8-11-272,
Hungary 06800-12517 Spain 900-822-756,
Ireland 1-800-55-7378, United Kingdom 0800-96-4767,
Italy 800-870-866, Virgin Islands 1-800-307-7309.

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit the website at www.mastercard.com or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits:

When in the United States, contact your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card issuer for account information or to access any of your card benefits.

ATM Locations:

Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit the website at www.mastercard.com to use our ATM locator.

You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

What are some tips for using an ATM in foreign countries?

ATMs can be used to get foreign currency while traveling and may save you money when compared to buying currency at exchange rate booths. Despite the advantages, you need to be prepared for special circumstances that can arise when using an international ATM.

Here are a few tips to help you on your way:

Check the network: Check your card's network. Cards in the Cirrus and Maestro networks often feature ATMs with easy-to-read instructions in English.

Research the country: There are some countries where ATM transactions are blocked. Please research the country to verify whether you will be able to use your credit card.

Understand the types of fees charged: Fees may be incurred for using the ATM and there may also be fees for currency conversion and cash advance. It is usually better to make fewer larger transactions instead of multiple smaller ones.

Make sure your PIN is valid: Some ATMs only allow 4-digit PINs. If your current PIN is longer than 4 digits, you may need to get a new PIN before you start your trip.

Have a backup plan: Some ATMs limit your access to a primary checking account, so have an alternative means of making purchases such as using foreign currency, traveler's cheques or a debit card.

Additional tips: Remember that not all foreign ATMs offer instructions in English. If you are unable to use a foreign ATM, you may be able to use your credit card to make a cash advance at a local bank.

Who is Deserve?

Deserve is a technology platform that allows you to obtain credit cards from Customers Bank, the issuer of BankMobile Credit Mastercard®. Your BankMobile Credit Mastercard® application is processed by Deserve.

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While our intention in providing this link is to guide you to information or an opportunity from CFPB, we are required to inform you that we are not liable for any failure of products or services offered on CFPB’s site nor do we support or condone any opinions or comments expressed or shared on CFPB’s site. Furthermore, as our own privacy policy and security policy are not applicable to CFPB, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from ANNUALCREDITREPORT.COM, we are required to inform you that we are not liable for any failure of products or services offered on ANNUALCREDITREPORT.COM’s site nor do we support or condone any opinions or comments expressed or shared on ANNUALCREDITREPORT.COM’s site. Furthermore, as our own privacy policy and security policy are not applicable to ANNUALCREDITREPORT.COM, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from scorecardrewards.com, we are required to inform you that we are not liable for any failure of products or services offered on scorecardrewards.com’s site nor do we support or condone any opinions or comments expressed or shared on scorecardrewards.com’s site. Furthermore, as our own privacy policy and security policy are not applicable to scorecardrewards.com, we encourage you to seek out and read their policies.

You are leaving BMTX, Inc.’s website and entering Mastercard’s website.

While our intention in providing this link is to guide you to information or an opportunity from Mastercard, we are required to inform you that we are not liable for any failure of products or services offered on Mastercard’s site nor do we support or condone any opinions or comments expressed or shared on Mastercard’s site. Furthermore, as our own privacy policy and security policy are not applicable to Mastercard, we encourage you to seek out and read their policies.

You are leaving BMTX, Inc.’s website and entering Mastercard’s website.

While our intention in providing this link is to guide you to information or an opportunity from Mastercard, we are required to inform you that we are not liable for any failure of products or services offered on Mastercard’s site nor do we support or condone any opinions or comments expressed or shared on Mastercard’s site. Furthermore, as our own privacy policy and security policy are not applicable to Mastercard, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from Mastercard, we are required to inform you that we are not liable for any failure of products or services offered on Mastercard’s site nor do we support or condone any opinions or comments expressed or shared on Mastercard’s site. Furthermore, as our own privacy policy and security policy are not applicable to Mastercard, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from Mastercard, we are required to inform you that we are not liable for any failure of products or services offered on Mastercard’s site nor do we support or condone any opinions or comments expressed or shared on Mastercard’s site. Furthermore, as our own privacy policy and security policy are not applicable to Mastercard, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from ANNUALCREDITREPORT.COM, we are required to inform you that we are not liable for any failure of products or services offered on ANNUALCREDITREPORT.COM’s site nor do we support or condone any opinions or comments expressed or shared on ANNUALCREDITREPORT.COM’s site. Furthermore, as our own privacy policy and security policy are not applicable to ANNUALCREDITREPORT.COM, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from scorecardrewards.com, we are required to inform you that we are not liable for any failure of products or services offered on scorecardrewards.com’s site nor do we support or condone any opinions or comments expressed or shared on scorecardrewards.com’s site. Furthermore, as our own privacy policy and security policy are not applicable to scorecardrewards.com, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from CFPB, we are required to inform you that we are not liable for any failure of products or services offered on CFPB’s site nor do we support or condone any opinions or comments expressed or shared on CFPB’s site. Furthermore, as our own privacy policy and security policy are not applicable to CFPB, we encourage you to seek out and read their policies.

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While our intention in providing this link is to guide you to information or an opportunity from EZCARD, we are required to inform you that we are not liable for any failure of products or services offered on EZCARD’s site nor do we support or condone any opinions or comments expressed or shared on EZCARD’s site. Furthermore, as our own privacy policy and security policy are not applicable to EZCARD, we encourage you to seek out and read their policies.