Enrolling:

Q: Why should I enroll in the Premier Finance Card Program?

A: Enrolling in the Premier Finance Card Program will give you access to your account 24 hours a day, seven days a week. You'll be able to check your balance, view statements, see recent transactions before they appear on your statement, set up one-time and Auto Pay, set Account Alerts and more! It's an easy way to manage your credit card account.
Q: How do I enroll in the Premier Finance Card Program?

A: Enrolling is easy. From the Log In screen, click on the Need to Enroll? Link located below the User Name and Password input area. Required information includes your Credit Card Account Number, Last 4 digits of Social Security Number, Date of Birth, Full Name, (as it appears on your card), and your email address. Once verified, you will choose a Username and Password, and set your security questions.
Q: Is a Cell Phone Number Required to Enroll?

A: No. Providing your cell phone number is optional.
Q: What is a CVV/CVC Number?

A: CVV/CVC is an anti-fraud security feature to help verify that you are in possession of your credit card. For MasterCard, the three-digit CVV/CVC number is printed on the signature panel on the back of the card.
Q: What are the requirements for choosing a Username and Password?

A: The requirements for User Names and Passwords are as follows: User Names must be between eight (8) and twenty (20) characters long and cannot contain special characters such as *(){,.<@#$% or spaces. Password must be between eight (8) and twenty (20) characters long and must contain at least 1 lowercase letter, 1 uppercase letter, 1 number and 1 special character. Special characters are !,@,#,$,%,^,&,*,( and ). In addition, Passwords cannot be the same as the User Name.
Q: What are good guidelines for creating and using Passwords?

A: Some guidelines for creating a password are:
- Do NOT choose a word from a dictionary.
- Do NOT use personal information such as your name, social security number, etc.
- Do NOT tell anyone your password.
- Do NOT write your password down anywhere.
- Do NOT use temporary passwords that you may have been given initially on an account.
- DO choose a mixture of letters and numbers when creating a password.
- DO change your password often.

Logging In:

Q: Why can't I Log In?

A: First, check to make sure you are using the correct User Name and Password. Remember, User Names are between eight (8) and twenty (20) characters long and do not contain spaces or special characters. Password must be between eight (8) and twenty (20) characters long and must contain at least 1 lowercase letter, 1 uppercase letter, 1 number and 1 special character. Special characters are !,@,#,$,%,^,&,*,( and ). Passwords cannot contain spaces or special characters.
Q: What if I forget my Username or Password?

A: If you forget your Password, please click the Forgot Username or Password? link on the Log In screen. After providing information about your account, you will be able to create a new Password and your Username will be displayed to you.
Q: What are the minimum browser requirements to use the Premier Finance Card Program?

A: The minimum browser requirements to use the Premier Finance Card Program are Internet Explorer 11, Google Chrome 43, Safari 8 and Mozilla Firefox 38 or higher versions.

Terms and Conditions:

Q: Do I have to accept the Terms and Conditions in order to use the Premier Finance Card Program?

A: Yes. If you want to use the Premier Finance Card Program to manage your account online, you must agree to the Terms and Conditions set forth on the site.

Account Summary:

Q: What information is on the Account Summary page?

A: Account Summary shows you a current summary of your credit card account information including: Current Balance; Available Credit; Minimum Payment Due; Payment Due Date; Pending and Recent Transactions information.
Q: How recent are the Recent Transactions?

A: Recent transactions are transactions that have posted to your account since your last statement closing date. Select the drop-down arrow to the right of “Recent Transactions” to see transactions sorted by transaction date. To hide your recent transactions, click the up arrow to the right of “Recent Transactions”.
Q: What are the descriptions for the fields on the Account Summary page?

A: They are:
- Current Balance: Current balance of account.
- Available Credit: The unused portion of credit that falls within your credit limit, if any.
- Minimum Payment Due: The smallest amount you can pay on your account. This amount must be sent in by the Payment Due Date to avoid having additional fees charged to your account.
- Payment Due Date: The date when Minimum Payment Dues must be received in order to avoid having a Late Fee assessed on your account.
- Recent Transactions: Transactions that have posted to your account after your last statement closing date. These transactions will appear on your next statement.
- Pending Transactions: Transactions that have not yet been fully processed by the merchant.
- Transaction Date: The date on which a transaction occurred.
- Post Date: The date when the cash advance, purchase, or payment was processed.

Statements:

Q: What information is shown on the Statements page?

A: When you select Statements from the top navigation bar, you will be presented with a drop down menu with the option to view your transactions, view your most current monthly statement, view and download previous statements, or change your paperless settings. The online statements will show you the same information that is on the monthly statement you receive in the mail. All transactions that posted during the statement cycle are shown sorted according to posting date and type (Payments and Credits, Purchases, Cash Advances, Other Charges and Interest Charges). If you have questions about your statement information, please contact Customer Service at 1-833-456-8700.
Q: How can I view my previous statements?

A: From the drop-down menu select "Downloadable Statements." Select the statement closing date you wish to view from the drop-down box.
Q: How is my statement different than my Account Summary?

A: Your Account Summary will show new account information that posted after your last statement closing date. In Statements, you only see transactions for the specific statement cycle selected.
Q: What are the field descriptions of the data available on my online statement?

A: The field descriptions are:
- Statement Closing Date: The last day in the current billing cycle.
- New Balance: Current balance of account.
- Minimum Payment Due: The smallest amount you can pay on your account. This amount must be sent in by the Payment Due Date to avoid having additional fees charged to your account.
- Payment Due Date: The date when Minimum Payment Dues must be received in order to avoid having a Late Fee assessed on your account.
- Credit Limit: The maximum amount of credit assigned to the account that can be used for purchases and cash advances.
- Credit Available: The unused portion of credit that falls within your credit limit, if any.
- Tran Date: The date on which a transaction occurred.
- Post Date: The date when the cash advance, purchase, or payment was processed.
- Transaction Description: Either a description of the transaction, such as Payment or Interest Charge, or the Merchant for which the transaction took place.
- Amount: The dollar amount of a transaction.
- Past Due Amount: The current dollar amount delinquent on your account.
- Payment Due Date: The due date of the next payment that is required to be paid on your account.
- New Balance: Your previous balance, minus payments and debit adjustments, plus new purchases, cash advances and finance charges for the Billing Cycle.
- Previous Balance: The previous month's account balance.
- Purchases & Other Charges: The total dollar amount of purchases you have made during the Billing Cycle.
- Balance Transfer: The total dollar amount of balance transfer you have made during the Billing Cycle.
- Cash Advances: The total dollar amount of cash advances you have made during the Billing Cycle.
- Payments & Credits: The dollar amount you have paid to your account during the last Billing Cycle. Credits include reversals, merchant credits for returned merchandise, etc.
- Days in Billing Cycle: The number of days between the current statement and the last statement.
- PF|CP Cash Rewards Summary (if applicable) - Your rewards balance as of the statement date and activity that occurred during the Billing Cycle including rewards earned and redeemed.

Online Payments:

Q: What does the Payment section of the pfcardprogram.com allow me to do?

A: The Payment section enables you to schedule, view, edit and cancel one-time payments and Auto Pay payments towards your credit card balance.
Q: How does making an online payment work?

A: Your online payment and bank information over a secured Internet connection to a secured server. After verification, your online payment information is sent electronically to your bank on the Payment Date you specify.
Q: What must I do to make payments on pfcardprogram.com?

A: Prior to scheduling your first online payment, you will need to enroll in the service and agree to receive the Electronic Payment Agreement electronically and agree to basic payment terms and conditions.

To make an online payment, you must set up one or more Payment Accounts from which your online payments will be paid.
Q: Do I need to have a valid email address to make an online payment?

A: Yes. A valid email address is required to make an online payment. Please make sure that your email address is correct. If it is not, please select the Contact Information option under Account Services and correct it.
Q: Do I have to accept the Electronic Payment Agreement to make a payment?

A: Yes. Please read the Electronic Payment Agreement page carefully to understand the Terms and Conditions that apply to making online payments on pfcardprogram.com. If you agree to the Terms and Conditions, select Accept to continue to service make or schedule a payment.
Q: What is a Payment Account?

A: A Payment Account is the checking or savings account you will use to make online payments to your account. When you set up a Payment Account, you will need to know your checking or savings account number, the type of account (checking or savings) and your bank's routing/transit number. You will also be able to assign your Payment Account a nickname to easily reference that account. The information you provide will be securely stored and you will not have to re-enter your primary bank name, routing/transit number and bank account number every time you schedule a payment. You can also set up as many Payment Accounts as you'd like.
Q: How do I make a One-Time Payment to my account?

A: Select Make One-Time Payment from the Payment drop-down on the top navigation bar. Then, from the drop-down box, choose which Payment Account you want the payment to be made from. From there, you must choose the amount you want to pay to your account. You can choose to pay the Current Minimum Payment Due, the Current Balance, Statement Balance or another amount as long as it is at least $1.00 and does not exceed your current account balance. Then, choose the date you would like to have the payment posted to your account and click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your payment and associated Payment Account information. Any time you submit a payment, please print the Thank You page for future reference. You can make one One-Time Payment per day.
Q: What are Auto Pay payments?

A: Auto Pay payments are when the Minimum Payment due, Statement Balance, or a Fixed amount is scheduled to process every month from the same Payment Account. Auto Pay is processed each month until your requested stop date, if any.
Q: How do I set up Auto Pay?

A: From the Payment drop-down menu, choose Set Up Auto Pay. Once there, choose the Payment Account you would like the payments to be made from and what payment amount you would like to set up (Payment due, Statement Balance, and Fixed amount). Note: If you chose Fixed amount, the greater of the fixed amount of Minimum Payment Due will be drawn from your payment account and posted to you PFCP account. All Auto Pay payments will be posted on your Payment Due Date each month. If you wish, you can schedule a Stop Date for Auto Pay payments. Then, click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your Auto Pay and associated Payment Account information. Any time you schedule an Auto Pay, please print the Thank You page for future reference.
Q: Can I review my Payment History?

A: Yes. From the Payments drop-down menu, choose Payment History. You will be presented with all payments that have been posted to your account.
Q: Can I cancel scheduled payments?

A: Yes. Under the Payments menu, choose Payment History. You will be presented with pending payments that you scheduled. To cancel a scheduled payment, click the word Cancel next to the payment and you will be presented with a review screen. After you review the information, click on the submit to confirm and complete the cancellation.
Q: Will I continue to receive my Account Statement in the mail if I enroll in the Online Bill Pay service and pay my account online?

A: Yes. You will continue to receive your statements in the mail unless you have elected for e-statements through the paperless settings. The online payments scheduled and processed through the Auto Pay service will be reflected on your statement just like any other transaction you make on your account.
Q: Do I have to make all my payments online if I enroll in the Online Bill Pay service?

A: No. You can make payments online, over the phone, or by sending in a check, cashier's check or money order through the mail. If you make your payment by mail, please remit the payment portion of your statement with your payment to: Premier Finance Card Program, PO Box 650726 , Dallas, TX 75265-0726. Please remember to allow 7-10 business days for processing.
Q: What do you mean by Default Payment Account?

A: The Default Payment Account is the checking or savings account that will be used for online payments unless you select a different account when making One-Time Payments or scheduling Auto Pay.
Q: How can I edit Payment Account Information?

A: You can edit your Payment Account information by selecting Manage Payment Accounts from the Payment drop-down menu. Find the Payment Account you'd like to change and click on Edit. Then, you can update or change information associated with that Payment Account. After you have made your required changes, click Save to complete the update. Online Payments scheduled after the primary bank account is edited will default to the updated Bank Information. However, for scheduled or pending online payments, you must cancel the current one time or Auto Pay payment schedule and re-set it up using the new Payment Account.
Q: How can I delete a Payment Account?

A: You can remove an account by selecting that account and clicking on Remove. Then, confirm your choice to delete the Payment Account. Please note that all One-Time and Auto Pay set up using that Payment Account will no longer occur after the Payment Account is deleted.

Online Bill Pay:

Q: What is the Online Bill Pay service?

A: The Online Bill Pay service enables you to view your Current Account Summary and schedule, view, edit and cancel one-time and Auto Pay toward your credit card balance.
Q: How does the Online Bill Pay service work?

A: The Online Bill Pay service passes your online payment and bank information over a secured Internet connection to a secured server. After verification, your online payment information is sent electronically to your bank on the Payment Date you specify.
Q: What must I do to use Online Bill Pay?

A: Prior to scheduling your first online payment through the Online Bill Pay service, you will need to enroll in the service and agree to receive the Online Payment Terms and Conditions electronically and agree to basic payment Terms and Conditions.

After you have enrolled in Online Bill Pay, you must set up one or more Payment Accounts from which your online payments will be paid.
Q: Do I need to have a valid email address to use Online Bill Pay?

A: Yes. A valid email address is required to use the Online Bill Pay service. Please make sure that your email address, as displayed on the top of each page, is correct. If it is not, please select the Update Your Email Address link next to the current email address listed at the top of each page.
Q: Do I have to accept the Online Payment Terms and Conditions to use the Online Bill Pay service?

A: Yes. Please read the Online Payment Terms and Conditions page carefully to understand the Terms and Conditions that apply to your use of the Online Bill Pay service. If you agree to the Terms and Conditions, select I ACCEPT to continue to enroll in the Online Bill Pay service.
Q: What is a Payment Account?

A: A Payment Account is the checking or savings account you will use to make online payments to your account. When you set up a Payment Account, you will need to know your checking or savings account number, the type of account (checking or savings) and your bank's routing/transit number. You will also be able to assign your Payment Account a nickname to easily reference that account. The information you provide will be securely stored and you will not have to re-enter your primary bank name, routing/transit number and bank account number every time you schedule a payment. You can also set up as many Payment Accounts as you'd like.
Q: How do I make a One-Time Payment to my account?

A: Select Make One-Time Payment from the Online Bill Pay screen. Then, from the drop down box, choose which Payment Account you want the payment to be made from. From there, you must choose the amount you want to pay to your account. You can choose to pay the Current Minimum Payment Due, the Current Balance or another amount as long as it is at least $15.00 and does not exceed your current account balance. Then, choose the date you would like to have the payment posted to your account and click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your payment and associated Payment Account information. Any time you submit a payment, please print the Thank You page for future reference.

Please Note: You will not be able to have payments processed using the Online Bill Pay service more than once in any 24-hour period and you may not schedule an online payment to be processed more than 30 days in advance.
Q: What are Auto Pay payments?

A: Auto Pay payments are when the amount, day and frequency that you pay your account remain the same each month. Auto Pay is processed each month until your requested stop date, if any.
Q: How do I set up Auto Pay?

A: From the Online Bill Pay screen, choose Set Up Auto Pay. Once there, choose the Payment Account you would like the payments to be made from and what payment amount you would like to set up (Minimum Payment Due on Statement or Last Statement Balance). All Auto Pay payments will be posted on your Payment Due Date each month. If you wish, you can schedule a Stop Date for Auto Pay. Then, click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your Auto Pay and associated Payment Account information. Any time you schedule an Auto Pay, please print the Thank You page for future reference.
Q: Can I review my Payment History?

A: Yes. Go to Pay My Bill and select Payment History. You will be presented with all payments that have been posted to your account.
Q: Can I cancel scheduled payments?

A: Yes. Under Pay My Bill, choose Pending Payments, you will be presented with pending payments that you scheduled from online service center, phone or our customer services. To cancel a scheduled payment, click the word Cancel next to the payment and you will be presented with a review screen. After review the information, click on the submit confirm to complete the cancellation.
Q: Will I continue to receive my Account Statement in the mail if I enroll in the Online Bill Pay service and pay my account online?

A: Yes. You will continue to receive your statements in the mail. The payments scheduled and processed through the Online Bill Pay service will be reflected on your statement just like any other transaction you make on your account.
Q: Do I have to make all my payments online if I enroll in the Online Bill Pay service?

A: No. You can make payments online, over the phone, or by sending in a check, cashier's check or money order through the mail. If you make your payment by mail, please remit the payment portion of your statement with your payment to: Premier Finance Card Program, P.O. Box 650726, Dallas, TX 75265-0726. Please remember to allow 7-10 business days for processing.
Q: What do you mean by Default Payment Account?

A: The Default Payment Account is the first checking or savings account you entered and submitted through the Online Bill Pay service and it will be the default bank account for payments scheduled in the future unless you select a different account when making One-Time Payments or scheduling Auto Pay.
Q: How can I edit Payment Account Information?

A: You can edit your Payment Account information by going to the Online Bill Pay, Manage Payment Information screen. You can select the Payment Account you'd like to change and click on Edit. Then, you can update or change information associated with that Payment Account. After you have made your required changes, click Save to complete the update. Payments scheduled after the primary bank account is edited will default to the updated Bank Information. However, for each scheduled payment, you are able to override the Payment Account details to another Payment Account if you choose.
Q: How can I delete a Payment Account?

A: You can remove an account by selecting that account and clicking on Remove. Then, confirm your choice to delete the Payment Account. Please note that all One-Time and Auto Pay set up using that Payment Account will no longer occur after the Payment Account is deleted.

Account Alerts:

Q: What is an Account Alert?

A: When you set up an Account Alerts, you will be reminded by email or SMS when an account or transaction event that you wanted to know about occurs. You can choose to receive as many alerts as you wish.
Q: What kinds of Account Alerts can I set up?

A: You can set up AccountAlerts for both account and transaction events. Account alerts can help notify you when your credit limit has been reached, when new statement information is available, when your Payment Due Date is coming up, when your balance is within a certain amount, or when daily transactions exceed a specific amount. Transaction events let you know when a payment or credit has been posted to your account, or when a debit or charge exceeding a certain amount is posted to your account.
Q: What kinds of notifications are sent automatically?

A: We will send you emails automatically when you enroll in the Premier Finance Card Program update account information such as email address, telephone numbers or street address, add a payment account, or change your password.
Q: May I opt out of automatic account notifications?

A: You will not be able to opt out of automatic notifications but you may cancel Account Alerts you have set up manually.
Q: How do I set up an Account Alert?

A: Click on the check box next to the alert you want to set and enter any required information. Click Submit to set the alert and add it to your list of Current Alerts.
Q: Can I change the email address or cell phone number for my Account Alerts?

A:Yes. The email address and the cellphone number we have for you are automatically displayed on this page. You can update them on the page by entering in a respective input field and clicking Submit button.

Please note when you change your email address for Account Alert, all of your previously set Account Alerts will now be sent to the new address, and the email address we have on file for you will also be updated.
Q: Can I set more than one Account Alert?

A: Yes, just select Account Alerts from the main menu.
Q: When will I receive the Account Alerts I have requested?

A: You will be sent an Account Alert the first time the condition occurs. These Account Alerts will be automatically reset once the condition is valid again. For example, if you set an Account Alert to remind you that your total balance exceeds $500, you will get an alert the first time that happens. Once your balance drops below $500 due to payments or credits, this alert is automatically reset. A transaction event alert and a message alert are sent every time the condition you selected occurs.
Q: How can I manage my Current Alert requests?

A: You can delete any alert by unchecking respective alert (email or SMS) in the Current Alerts section.

Report Lost or Stolen Card:

Q: How do I report my card lost or stolen?

A: To report your card lost or stolen, contact us immediately at 1-516-576-8625. You will need to provide information to the Customer Service Representative regarding the date and time the card was lost or stolen, the location at which your card was stolen and information regarding the last transaction or purchase you made.
Q: Can I report my card lost or stolen online?

A: No. To ensure the information regarding your lost or stolen card is processed immediately, you must contact a Customer Service Representative as soon as possible. Customer Service representatives are available 24 hours a day, seven days a week to assist you.

Changing Account Information:

Q: How do I change or update account information online?

A: To change your account information, click on Contact Information from the Account Services menu. Once there, you can add or update information on your mailing address, home, work and cell phone numbers, and email address.

Once you have changed any necessary information, click Continue to complete the process. Once the information is processed on our system, you will receive an automatic email.

Passwords:

Q: Can I change my Password?

A: Yes. To change your password, Log In to the Premier Finance Card Program and select Change Password from the Account Services menu. Type in your new password in the top box and then again in the lower box to confirm. Remember - Password must be between eight (8) and twenty (20) characters long and must contain at least 1 lowercase letter, 1 uppercase letter, 1 number and 1 special character. Special characters are !,@,#,$,%,^,&,*,( and ). Passwords cannot contain spaces or special characters. After you have entered your password twice, click Submit to complete the process.
Q: How often can I change my Password?

A: As often as you'd like, as long as you can provide correct confidential information about your account.
Q: What if I forget my Password?

A: If you forget your Password, please click on Forgot Your Username or Password? from the Log In page. To ensure account security, you will be required to enter your account number. After verifying your account, you will be able to create a new Password and your Username will be displayed to you.

Enroll an Additional Card:

Q: Can I enroll more than one account in the Premier Finance Card Program?

A: Yes. You can enroll all Premier Finance Card Program credit card accounts that belong to you in the Premier Finance Card Program web and mobile app.
Q: How do I enroll an additional Account in the Premier Finance Card Program?

A: To enroll an additional account, click on Enroll an Additional Account from the Account Services menu. Once there, you will need to provide your account number First Name, Middle Initial and Last Name (as they appear on your card), Last 4 digits of social security number, Email, expiration date, and CVC/CVV Number located on the back of your card. Once you have entered this information, click Submit to complete the process.

Once you have more than one account enrolled in the Premier Finance Card Program web and mobile app, you will be required to select which account you want to view after you Log In.

Un-enrolling:

Q: Can I Un-enroll from the Premier Finance Card Program web aned mobile app?

A: Yes. You can un-enroll from the Premier Finance Card Program web and mobile app by clicking on Un-enroll from the Account Services menu and selecting Continue. This will un-enroll all accounts currently enrolled on the web and mobile app and will cancel any One-Time or Auto Pay you have set up.
Q: If I Un-enroll all of my accounts, can I re-enroll in the Premier Finance Card Program at a later time?

A: Yes. You can re-enroll using the same process that you used originally.

Cardholder FAQs