Frequently Asked Questions About Credit Card Control

How do I enroll in Credit Card Control?

  1. Log in to RFCU® Online Banking or the Mobile App
  2. Select Credit Card Info
  3. Go to Account Services and select Credit Card Control
  4. Select Create Profile*
       Step 1 - Profile Name
       Step 2 - Contact Information (email)
       Step 3 - Profile Build
  5. Save Profile









*You will be prompted to accept the terms and conditions for 'mobile use'. Mobile use is for a future enhancement, which will include text message notification. You must accept to continue creating the profile.

How do I enroll my Business in Credit Card Control?
Business members with an RFCU Business credit card account can customize alerts for each individual card account. Business members should not enroll for alerts under the Corporate Billing Account.

  1. Log in to RFCU Business Online Banking
  2. Select Online Requests
  3. Select Business Credit Card Info
  4. Go to Account Services and select Credit Card Control
  5. Select Create Profile*
       Step 1 - Profile Name
       Step 2 - Contact Information (email)
       Step 3 - Profile Build
  6. Save Profile












*You will be prompted to accept the terms and conditions for 'mobile use'. Mobile use is for a future enhancement, which will include text message notification. You must accept to continue creating the profile.

Why am I prompted to accept mobile use Terms and Conditions?
The mobile use Terms and Conditions apply to a future enhancement, which will include text message notification. You must accept the mobile use Terms and Conditions to continue creating your profile. In addition, prior express consent for non-marketing related text messages is required by law. Therefore, when you accept the Terms and Conditions, you are agreeing to receive text message alerts once the enhancement becomes available.

If there are multiple users on the account, can each cardholder set up their own profile?
Yes, there can be multiple users set up with multiple destinations and alerts; however, there is truly only one set of controls linked to the account. Each of the cardholders enrolled will see the controls established for the account. If one cardholder makes a change to a control (i.e. turning Card Stop ON), the control setting is effective for all users.

What types of alerts and controls are available?
There are a variety of options available from spend limits, merchant types, transaction types, and even locations. 

Cardholder Alerts
AlertWhen Turned 'On'
Additional User AddedAlert that an authorized user has been added
Approaching Credit LineAlert that the cardholder is approaching the credit line
Authorization AmountAlert on transactions over an amount specified
Authorization DeclineAlert that a transaction has been declined
Card Not PresentAlert that a CNP transaction occurred
Cash AdvanceAlert that a cash advance transaction occurred
Declined Due to Customer Activated ControlAlert that a transaction was declined due to restrictions set on account by consumer selected control
International TransactionAlert on any transactions outside of the US
Online ActivityAlert that a transaction has occurred online
OverlimitAlert that the account is currently overlimit
Payment Past DueAlert that the account is currently past due
PIN Number ChangeAlert that the PIN has been changed
Sub-Account Approaching Credit Line (Business credit cards only)Alert that the sub-account is approaching the credit line of the account
Cardholder Controls
ControlWhen Turned 'On'
Card StopAll transactions declined
International TransactionDoes not allow international transactions
Internet TransactionsDoes not allow transactions to occur online
Merchant StateDoes not allow transactions outside of a list of states
Set Transaction Dollar LimitAmount at or over which an authorization request is to be referred or declined
Travel RelatedDoes not allow travel purchases such as hotels, air fare, etc.
Vice-Related TransactionsDoes not allow transactions at bars and casinos

How do I confirm alerts and controls have been activated?
If the alert/control button shows ON, then the alert/control has been activated. You choose which alerts/controls to turn ON and OFF, and you can edit your preferences at any time.

How long should it take to receive an alert?
Typically, responses arrive within one minute, but timing may vary. You may experience delays or failures in delivery of an alert because of any of the following circumstances:

  • Merchant delay in processing a transaction
  • Active or passive filtering of email messages
  • Insufficient space in the email account that is to receive email messages

What if my card is lost or stolen?
You must delete the old card number and enroll the new card number in order to continue to receive card control notifications.

Why does my profile show the status as 'deactivated'?
You have either not completed the registration process, or have deactivated your alerts. To activate, go to the Credit Card Control profile and under contact information, select 'activate'.

How do I unsubscribe to Credit Card Control?
To unsubscribe to this service, you must remove your profile in Credit Card Control.

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