EMV Chip Card

Introducing Your New MasterCard EMV Chip Credit Card


Chip cards are credit cards embedded with a microprocessor on the front and the traditional magnetic stripe on the back. They are also known as “chip”, “smart” or “EMV” (Europay, MasterCard® and Visa®) cards.

Chip cards provide strong transaction security when used at a chip-enabled terminal. This added layer of security can help minimize cardholder impact when a data breach occurs.

Europe, Asia, Canada, Mexico and South America have already embraced chip technology — so your card will be easier to use outside the U.S. Plus, chip technology is becoming the standard in the U.S.


When can I activate my card?
On or after 12:01am on June 29, 2015.

Can I continue using my old Visa credit card?
Yes, you can continue using your old card until 12:01am on June 29, 2015.   All current Visa cards will no longer work after midnight on June 28, 2015.

What are the advantages?
The primary advantage of chip card technology is that it provides stronger protection against “skimming,” a technique in which criminals copy the data from a card’s magnetic stripe and use it to create a duplicate or counterfeit card. When a retailer uses a chip-enabled terminal, the chip technology helps prevent theft of account information.

Will any retailer accept them?
As the U.S. begins to transition to chip technology, the number of retailers with chip-enabled terminals will grow over time. To ensure you can use your card at any retailer, your new card will have both the chip and the magnetic stripe. If the terminal is chip-enabled, you will insert your card in the slot located at the top or bottom of the terminal and follow the prompts. Otherwise, you will swipe the card as you do today.

Will they prevent data breaches and fraud?
Chip technology provides an additional layer of security to help minimize data breaches. While this technology can’t prevent all security breaches, a secure payment technology is an important first line of defense.

Will the chip card require a PIN?
Follow the prompts on the terminal and wait for the transaction to be processed. You may be required to sign or enter your PIN to complete the transaction. A PIN will be needed to withdraw cash at an ATM for credit cards and debit cards.

I currently have a VISA Platinum credit card at 9.90% APR, but the MasterCard Platinum rate shows as 12.90% APR, does that mean that my interest rate is increasing?
No, current VISA Platinum account holders will actually have a decrease in APR down to 7.90% APR with the MasterCard Cash Rewards account. Our VISA Classic account holders will be the ones transitioning to the MasterCard Platinum card:

VISA Classic (currently at 12.90% APR)   —–>        MasterCard Platinum (12.90% APR)

VISA Platinum (currently at 9.90% APR)   —–>        MasterCard Cash Rewards (7.90% APR)

Is the 1.90% promotional rate valid for new cardholders only, or do existing cardholders get this rate as well?
The 1.90% APR promo is for ALL cardholders, whether you are being converted over to the MasterCard from an existing Sno Falls VISA, or if you are a member who is just applying for a new card with the new promo. The 1.90% APR applies to new purchases and balance transfers made within the first 6 billing cycles after issuance (so either time of conversion for existing cardholders, or time of approval for new cardholders).

Will my credit score drop because I am getting a new credit card account and won’t have the same one that has been open for a long time?
No. The way the MasterCard accounts are coded in our system will show their open date as the same date that the original VISA account was opened. So, if you have a VISA account that was opened in December 2005, the MasterCard account will show the same open date of 12/05 on your credit report, it will not show as a brand new account.

If I have an existing balance on my VISA when it transfers to the MasterCard, what interest rate will I be paying?
Transactions that have already posted to your VISA account will transfer over at your existing APR. So, for our VISA classic members, you will continue to pay 12.90% APR on those balances, and if you are a current VISA Platinum holder, you will continue to pay the 9.90% APR on the existing balance. Only transactions that are completed AFTER the conversion date of June 29th will be at the new rates.

How can I redeem my ScoreCard Reward points? The link has disappeared from the EZCardInfo website:
You can still redeem your Score Card Reward points until July 31st, however you will need to log into the ScoreCard website directly to do so. The website address is www.scorecardrewards.com, which requires a separate login than the EZCard site. Unfortunately, Sno Falls did not have any control over this part of the conversion, it was done at the discretion of Score Card Rewards.

Will I lose the Score Card Rewards points that I have already accrued?
Unfortunately, yes. You will continue to earn points on your purchases through May 31st. After this, you will have 60 days (through July 31st) to redeem your points or they will expire. Your monthly statements have always shown your existing points balances, as well as if you have any points that are scheduled to expire. Your statement that will be going out towards the end of May will show you how many points will be expiring. Again, we were unable to include this information with our initial Change In Terms notice due to restrictions from ScoreCard Rewards management.

Payment FAQs

I currently make my Visa payments at one of the Sno Falls Credit Union branches, can I continue to pay this way?

Yes, the new MasterCard is now live on our in-house banking platform so any branch can accept your payment and it will now be immediately posted to your MasterCard balance. There will no longer be a 2 day wait time between payments made in the branch.

I currently pay my Visa payment through the Sno Falls Credit Union bill payment system, how should I pay my new MasterCard in the future?

After conversion, the MasterCard Loan will be hosted in house through the credit union online banking. You will be able to view history and make payments by transferring directly from your Savings or checking account through your Sno Falls online banking platform. You will no longer need to set up a Sno Falls Credit Union bill payment for these payments.

I currently send my payment to the address shown on the Visa statement. How should I pay with the new MasterCard?

You can continue to pay using the address on the statement, however, the mailing address will now be Sno Falls Credit Union, PO Box 1978, Snoqualmie, WA 98065.

I currently make my Visa payment by logging onto the Sno Falls Credit Union website and choosing the Credit Card Online option, how should I pay in the future?

Because our MasterCard is now hosted live on the Sno Falls Credit Union system, you will no longer be required to log-in to a different site to view the MasterCard information. You can simply log-in to your online banking account information and you will see the MasterCard Loan information just like you would see your savings and checking information. You can make payments by simply transferring directly from your savings or checking account to the MasterCard Loan or you would need to pay directly at one of our branches, mail your payment to the address shown on the new statement, or set up a bill payment from another financial institution.

I currently make my Visa payment using a bill payment from another financial institution, how should I pay my MasterCard?

You can continue to pay using your bill payment from another financial institution, but the address will now be Sno Falls Credit Union, PO Box 1978, Snoqualmie, WA 98065. Make sure to update the MasterCard loan number and the mailing address in your online banking bill payment system.

I currently have an auto transfer from my Sno Falls account to make my Visa payment, do I need to do anything for this to continue with my MasterCard Payment?

No, if you are on automatic payment with your Visa, you will continue to be on automatic payment on your MasterCard. If you do not have auto transfer currently but would like to set this up for future payments after conversion, please contact the loan department at 425-888-4004 option 1.

Additional Chip Card Information

How to use your chip card & answers to more of your questions


All Washington state residents are eligible to join.

Routing Number: 325182360 | Copyright © 2018 Sno Falls Credit Union. All rights reserved.

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