Frequently Asked Questions



How do I make a Payment on my account? The fastest and easiest way to make a payment is to transfer the funds to your credit card account suffix (LV1 or LV2) using Advia Credit Union's online banking. Visit us today at


You may also us the Make A Payment option in MyCardInfo to set up an ACH payment from any financial institution checking or savings account.


Of course, you can always make a payment by stopping in any of your convenient Advia Credit Union branch locations, or by mailing payment to:


PO Box 10309
Des Moines, IA 50306-0309


If you have any questions, please contact our member service center at 844.ADVIA.CU (844.238.4228).


If I suspect Fraud or Forgery, what should I do? Visit our Online Assistance page and fill out a Fraud and Forgery Affidavit. Complete the form, and fax to (515) 457-2074 or mail to:

Cards Risk
PO Box 10409
Des Moines, IA 50306


If I want to Dispute a transaction, what should I do? Visit our Online Assistance page and fill out a Dispute Form. Complete the form, and fax to (515) 457-2074 or mail to:

Cards Risk
PO Box 10409

Des Moines, IA 50306


Is MyCardInfo safe? Yes!  MyCardInfo is designed to keep your account information secure. Your session will time out after 20 minutes of inactivity and your account number is never displayed on the screen. Also, you have the ability to select specific security questions that only you would know the answers to. If you have any questions please contact our member service center 844.ADVIA.CU (844.238.4228).


Activation and Use


How do I activate my card? When you receive your card, please call 844-691-8661 from your home phone. Once your card is activated, don’t forget to enroll in for full online access.

My card has been lost/stolen, what should I do? Please call 844.ADVIA.CU (844.238.4228)immediately to report your lost card. Our member service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.


What is Verified by Visa and how do I register? Verified by Visa is another layer of security Visa offers its members for online purchases. Please visit Visa’s Verified by VISA website to register and for more information.


How can I get my credit limit increased? Contact Advia Credit Union at 844.ADVIA.CU (844.238.4228), apply online at,  or visit any Advia Credit Union branch location.

General Information


What is APR and how do I find my APR information? APR is annual percentage rate. This is the amount of interest that is billed to your account for the convenience of carrying a balance. The APR is shown at the bottom of your monthly VISA statement.


What is a minimum monthly payment? This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to 3% or $10.00, whichever is greater, of the new balance.


Who do I talk to if I need help understanding my credit card statement? If you have questions regarding your statement or if you feel there is an error please contact our member service center 844.ADVIA.CU (844.238.4228).


How does Advia Credit Union keep my private information private? Your privacy is very important to us. Please refer to our Privacy Policy for specific policies and information.

I am traveling internationally. Can I use my credit card? Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We do strongly recommend that you call our member service center 844.ADVIA.CU (844.238.4228) prior to your departure as a fraud protection measure. When traveling internationally please use the direct dial number of 011-515-457-2082. The toll free number will not work outside the United States.


Can I add an additional user to my credit account? Yes, please call our member service center 844.ADVIA.CU (844.238.4228). They will quickly gather the necessary information from you. There is no fee for adding a secondary user.







Account Access


I forgot my account password or user name, how do I get a new one? In the event you are unable to log into your account online please call 800-234-5354 or use the I Forgot My Username or I Forgot My Password options in MyCardInfo.


How do I make a cash advance? There are three convenient ways to get cash from your credit card. You may visit a Advia Credit Union branch office, a bank or credit union that displays the Visa logo, or call to request a PIN to make withdrawals from any ATM.


How do I get a personal identification number (PIN)? As a security measure to protect you, the personal identification numbers (PINs) are not created unless they are requested. To request a PIN, please call 800-234-5354.