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Credit Card FAQ

Everything you want to know about your OECU Credit Card is available here.

Contact Us
Everything you want to know about your OECU Credit Card is available here. Contact Us

Got questions? We have answers.


How can I select a PIN for my credit card?

Call 888.891.2435 to select a PIN using the home, work, or cell phone number listed on the account. When asked to enter your birthdate, you must enter it in MMYY format. For example, if you were born in July of 1983, the format would be 0783.
 

How much cash can I get off my credit card?

Cash advances are limited to 20% of your limit. For example, if your limit is $1000, cash out is limited to $200.
 

When should I receive my credit card statement?

Statements are available online and mailed out on the 11th of each month.
 

How can I make a credit card payment?

You can make a credit card payment through online banking or the mobile app. After logging in, click on your credit card under your accounts. Once you are redirected, click on the payments tab.
 

Can I change my credit card due date? 

Unfortunately, credit card due dates cannot be changed.
 

What is the cutoff time for credit card payments?

Credit card payments made after 5 p.m. will be applied to the next business day.
 

What can I get with my Rewards Credit Card points and how do I use them?

To view points and redeem rewards, log into online banking via your computer or the mobile app. Click on the button labeled “Redeem Rewards” or call 855.475.0800 to redeem. You can use your points to earn travel rewards and gift cards to local businesses. 

Why aren't my reward points showing up?

It can take up to 30 days for your point balance to be viewed online. 

Happy To Help Stories

Why do our members love being part of OECU? Find out below.

  • OECU Happy Face

    I forgot to change my credit limit before I left for vacation, and in just a few minutes I was able to use it with no problems!

    – Tonya A.

  • Kassandra S.
    I started my credit by applying for a secured credit card! I have been advised on how to maintain good credit history and pay off my credit card.

    – Kassandra S.
  • Charles D.

    I can get unbiased advice from you about credit and credit cards. Thanks.

    – Charles D.

  • Beverly Jane S.

    OECU went above and beyond in guiding us through our identity theft crisis. We appreciate their professionalism and understanding!

    – Beverly Jane S.

  • Chelsea C.

    I was able to open a line of credit with OECU’s credit card program. When I had to buy a car, my good credit score helped me get a low interest rate.

    – Chelsea C.

  • Crystal G.

    We have been able to secure a credit card and auto loans, which could not have been done without the exceptional personnel of OECU.

    – Crystal G.