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FREQUENTLY ASKED QUESTIONS For Consumer and Corporate. Questions below apply to Corporate Accounts only Return to top How do I enroll? Log onto IBCcreditcard.com and enter your credit card number in the "Register Now" box. After you click submit, you will have to answer security verification questions. Upon successfully answering those questions, you will choose your User Name and Password. For security purposes, please do not share your User Name or Password with anyone. If you should forget your User Name or Password, simply re-register as a "New Member". You will be prompted to create a new Password. Return to top How Do I access my Credit Card Account? To access your account online, simply click on the Credit Card link, you will be prompted to enter your User Name and password created during registration. Return to top When will my Credit Card payment post to my account? Payments requested online before 5pm CST, during normal business days, will be processed and posted the same day. Return to top Is there a fee for making a payment online? There is no fee for making a credit card payment online. Return to top What type of bank account can I use? Your credit card payment can be made with any U.S. based account that allows electronic debits. Return to top How can I get cash from my credit card? A cash advance can be made from a teller at any Financial Institution. Return to top How often can I make a credit card payment online? You can make one payment every 24 hours with exception of weekends. Return to top Can I pay any bill using my credit card? You may use your Credit Card at any merchant that accepts Visa Credit Cards; however, the IBC credit card is not set-up with an online bill pay system. Return to top How do I increase my credit line? Please contact your IBC Bank Representative. Return to top Can I schedule monthly credit card payments to be made automatically? Yes, you can schedule automatic payments through IBC Credit Card Services Online as long as your account is in good standing. Return to top How do I exit IBC Credit Card Center? To ensure your IBC credit card information remains private and secure, it is important to log off when you are finished using the system. To exit, click Sign Out and then close the browser. Return to top What can I do to protect my financial information? You are responsible for protecting your account information by limiting access to IBC Credit Card Center. Always follow these important security guidelines: Return to top I'm having problem logging on. What should I do? First, make sure you are using the correct User Name and password. If you still cannot sign in, write down any error messages you receive. Call 1-888-903-0147 to speak to a Customer Service Representative. From Mexico, call 001-888-903-0147; otherwise, contact your IBC Bank Representative. Return to top Is IBC Credit Card Website accessible 24/7? Yes, but it may be necessary for us to perform system maintenance from time to time. If maintenance is required, IBC Credit Card Services Online may not be available. Return to top Who do I contact if I have an issue with my online transaction activity? If you have questions about charges to your account, or any other account information displayed on this website, please contact Customer Service at 1-888-903-0147 or from Mexico 001-888-903-0147. Our Customer Service hours are Monday through Friday from 7:00 A.M. to 8:00 P.M. CT and Saturday from 8:00 A.M. to 12 noon CT. If you are unable to reach Customer Service, please contact your IBC Bank Representative. Lost/Stolen reports are taken 24/7. Return to top How much can I pay on my Credit Card? You may pay any amount, up to the full balance owed, on your credit card account. Return to top If I use the online service, do I still receive a paper statement in the mail? Unless you elect to receive your statement online, you will still receive a paper statement in the mail. Return to top Who can view company statements? The designated company representative will have an overview to all company accounts by registering the billing account. The sub-user can also register their account but will only have access to view his/her own account activity. Return to top Where are payments applied? Payments are applied to the billing account. Transaction balances (debits and credits) from the subaccounts consolidate to the billing account daily. At cycle time, one statement is produced for the billing account that contains the total amount due. Sub accounts receive a statement of their activity. Return to top |
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