Where
can I use my card?
Once you have received
your prepaid HBCU MasterCard card, you can make purchases
anywhere MasterCard debit cards are accepted. You can
also use it to access cash at millions of ATMs worldwide.
Click find ATM to locate an ATM near you.
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How
do I use my card?
You use your card to
make three types of transactions:
1. Signature-based transactions- photo identification
and signature needed.
2. PIN-base transactions- 4 digit PIN code needed.
3. Online Purchases- verification code (found on back
of your card) needed.
How
do I activate my card?
To activate your card, log onto www.hbcucard.com,
select "Activate My Card," enter your card number
and password (sent to you by mail 2 days after your
card is sent). It's that easy. If you don't have computer
access, call 1-888-494-0043
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Does
it cost anything to use my card?
The cost for a HBCU Card
prepaid account varies depending on the plan you choose.
The one-time $5.95 activation fee will be credited back
if you setup direct deposit to your account. Click pricing
and fees for complete details.
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How
do I check my balance?
From your cell
phone use: "BH BAL"[Last 4 of Card][PIN]. Online
go to www.BlackHistoryCard.COM --> "Manage My Card."
With every purchase, a text message with your balance
is sent to your cell phone.
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Is
there a limit on how much money I can withdraw?
You can withdraw up to
$300 in cash per day. There may be a fee for both domestic
and international ATM withdrawals (see pricing and fees).
In addition, each individual ATM location may impose
an additional surcharge. Qualifying customers who use
direct deposit may request an increase of this daily
cash limit to $500.
Are
there any limits to the amount of money I can spend?
Your daily spending limit
with your prepaid MasterCard card is $2,500 for cash
and purchases combined ($1,000 for PIN-based transactions
and $1,500 for Signature-based purchase transactions).
Bill Pay transactions do not count towards your daily
spending limit. For example, you can make a total of
$2,500 in purchases and a $1,000 Bill Payment (total
$3,500) without exceeding your daily spending limit.
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What
do I do if I haven't received my card?
Cards usually take 5-7
business days to be delivered. Give us a call if you
have not received your card after 10 days.
How
long does it take to replace a card?
Replacement cards will
be delivered 5-7 business days after your request. You
may request to have your card expedited for a fee (see
pricing and fees) and it will be delivered in 3 business
days.
Can
you tell me when my card was mailed?
Yes. You can call us
to find out the actual date your prepaid MasterCard
card was sent out.
What
do I do if my card doesn't work?
First, check your balance
to ensure that you have enough money in your prepaid
account to cover both your purchase and any fees that
may apply. If you have enough money in your prepaid
card account and it is still not working, call us for
further assistance.
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What
do I do if my card is about to expire?
We'll automatically send you a new card
to the address on file 1 month prior to the expiration
date. Please login and verify that your address is
correct. To update your address, please call us with
the new information.
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Who
can use my card?
Your card is protected with a PIN code,
known only by you. If you share your PIN code with
others, they can use your card. You should not write
or keep your PIN with your card. If you believe that
anyone has gained unauthorized access to your PIN,
you should call us immediately.
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What
is a PIN code?
A PIN code is a secret
four-digit Personal Identification Code that enables
access to your prepaid account. You will be prompted
to create a PIN code when activating your card.
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What
happens if I forgot my PIN code?
If you forget your PIN
code, give us a call so we can verify your information
and we will send your PIN code via mail.
How
do I change the name on my card if it is spelled wrong?
If you receive your card
and a mistake is made on the spelling of your name,
call us and we'll be more than happy to correct the
error.
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If
I change my name, how do I update my information and
get a new card?
If you have legally changed your name,
please call us and we'll assist you.
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do I do if my card is lost or stolen?
If your card has been lost or stolen,
call us as soon as possible. Select the lost/stolen
option and you will be connected to a representative
who can assist you.
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Is
my card account protected against fraud?
Yes. With MasterCard's Zero Liability**
protection, you can shop wherever MasterCard is accepted
– risk free! You’re not liable for unauthorized
use on your card.
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Will
I be charged for calling the customer service number?
Your account comes with
one free call to an agent every month. After the one
free call per month, every additional call to an agent
in a given calendar month may result in a $2 charge
per call to your account. Remember, your account comes
with free access to your account information 24 hours
a day, seven days a week. Simply:
* Go Online
* Get a text message sent to your cell phone. Sign up
here
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**Conditions and exceptions apply.
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