Elevate Credit Card Program
Your First Step Toward Credit Confidence
Our Elevate credit card program is built to help members start their credit journey with ease and confidence. Whether you’re a college student opening your first card or a member new to credit, Elevate combines simplicity with education, giving you the tools and guidance you need to build strong financial habits from day one.
Key Benefits: low starting limit, cash back rewards and credit building education
Credit Card Basics
Minimum payment due
The smallest amount you must pay by your credit card’s due date to keep your account in good standing and avoid late fees.
Statement balance
Your statement balance is the amount you owe on your credit card for the prior month plus any unpaid balances from previous months’ activity.
Current balance
Your current balance includes any recent activity that has posted to your credit card.
You can set up AutoPay for recurring bills, making payments automatic and easy to manage in your Payment Center. Learn more.
Redeem your cash back rewards and start using your money right away. Learn more.
If you already have a credit card with us, you can request an increase to your credit card limit by stopping by an office or over the phone at 800.991.2221.
Card Controls & Alerts
Card Controls
You have the convenience to self-service and manage your credit cards from within Online Banking. Follow these steps to learn how to turn your credit card on/off, block international usage, enable transaction controls, set spending limits and file a dispute.
Alerts
Alerts help you keep track of your accounts. You can add alerts for low balance, deposits and more. Alerts can be added for checking, savings, loans and credit cards.
Travel Notice
A Travel Notice should be placed on your account whenever you are traveling outside of your normal travel area. This notice will allow your debit or credit card to work without interruption. Without a travel notification, you may find your debit or credit card blocked by our anti-fraud system.
Your credit score is one of your most important numbers and within Consumers’ Online Banking, you can check it every day for free! Learn more.
Learn all about credit scores with this informative video. Learn more.
Here are the top 10 questions about credit scores. Learn more.
Learn about how credit is measured and the impact it can have on your financial goals. Learn more.
To help prevent fraudulent charges and protect your account, our fraud monitoring system sends automated alerts to members when a potentially suspicious transaction is made. Learn more.
Fraud and associated financial scams continue to make headlines. At Consumers, we have a dedicated team looking out for your best interests, but there are a lot of ways to protect yourself, starting with education. Learn more.
Security alerts cannot be completely disabled as they are in place to protect your Online Banking account. These alerts will be sent any time there has been a change made to your profile or login information in Online Banking. Follow these steps to select how you would like the alerts to be sent. Learn more.
