office (319)
226-5604
MaterCard
Frequently Asked QuestionsWhy did
ATIRAcredit assumed ownership of our credit card program on March 17, 2009. The reason for the change is simple - to stay competitive in the credit card industry, we must have a card that offers additional features and flexibility. By partnering with ATIRAcredit, we can offer you benefits we couldn’t in the past.
Who is ATIRAcredit?
ATIRAcredit is a Credit Union organization that offers credit cards to partner Credit Unions. They offer a Platinum Rewards MasterCard to replace your current Midwest Utilities Classic and Platinum cards.
What are the
benefits of
Your platinum card gives you the prestige
of having a top tier card with a generous rewards program.
It also combines great benefits at no additional cost such as
Zero Liability fraud protection and a $250,000 travel insurance
policy that is automatically added when you use your ATIRAcredit
Platinum MasterCard.
Finally, AT NO COST TO YOU, we are
pleased to offer the following additional benefits:
Extended Warranty Coverage –
Doubles the original warranty time period and duplicates the
coverage of the original manufacturer’s warranty up to a maximum
of 12 months on most items purchased with your Midwest Utilities
ATIRAcredit MasterCard.
Price Protection Coverage – If
you find a lower price for something you purchased with your
Midwest Utilities ATIRAcredit MasterCard
within 60 days of purchase, you may be eligible for the
reimbursement of the price difference.
Purchase Assurance Coverage – If
something you purchased with your Midwest Utilities ATIRAcredit
MasterCard is damaged or stolen within 90 days of purchase, you
may be eligible for coverage of the actual cost of the item.
Will
Your relationship with us at Midwest
Utilities is unchanged, you are
still able to make payments and inquiries at your local branch.
In addition, ATIRAcredit also gives you added credit card
benefits such as 24/7 customer service, online account
information, and a generous rewards program without any annual
fees.
Will my account
number change?
Yes, you will receive a new account number and expiration date. Please remember to update any recurring payments that happen automatically with your current Midwest Utilities card to your new account number.
Will my interest
rates increase?
Your new Midwest Utilities ATIRAcredit card
pricing will be based on your individual risk score, therefore
interest rates will be unique to the individual.
You will receive a Welcome Letter disclosing your new
interest rates.
Please refer to this letter and card member agreement for full
disclosures.
Can I request a PIN
for cash advances?
Yes, as a security measure to protect you,
personal identification numbers (PINs) are not created unless
they are requested. To request or to change your PIN,
please call 888-4-ATIRA-1 (888-428-4721).
Will my balance and
charges transfer automatically from my existing Midwest
Utilities MasterCard to my new
Yes, your existing balance will move
automatically once you activate your new Midwest Utilities
ATIRAcredit card.
Can I continue to
use my
Your current account will continue to work
until your receive and activate your new Midwest Utilities
ATIRAcredit card (see timeline above).
However, your old card will be deactivated on April 6th,
so please watch for and activate your new card as soon as
possible to avoid any usage interruptions.
What will happen to
my old
Your old Midwest Utilities MasterCard will
be closed and your balance moved to your new Midwest Utilities
ATIRAcredit card at conversion.
Once you activate your new Midwest Utilities ATIRAcredit
card, please destroy your old cards.
Will my credit
bureau report reflect this change?
Yes, your credit bureau will show your old
card as sold/transferred with zero balance and your new card
will be added to your report.
The new card may be listed on the report as TMG Financial
Services, ATIRAcredit.
Will my joint
account holder or authorized users also receive a new card?
Yes, all card holders under your current
card will receive the new Midwest Utilities ATIRAcredit card and
maintain the same relationship as they had under the old card.
How can I make a
payment on the new card?
As a card member you have a number of convenient ways to make your payment.
Online or...
At your local Midwest Utilities
Credit Union branch
Over the phone (no fees) at
888-4-ATIRA-1
By mail, the envelope and address
is provided with each statement
