MyCardInfo
Frequently Asked Questions
What is MyCardInfo? MyCardInfo is a service provided free of charge by Kern Schools, which allows you to view your credit card transactions and statements online. This site also provides information on who to call with questions, payment addresses, and fraud and dispute claims.
How do I enroll? Enrolling in MyCardInfo is as simple as entering your account information, assigning a username, password, and personal security code. You will then have access to your online account. If you are not currently enrolled or logged into the MyCardInfo system yet, simply click on the “HOME” link at the bottom of the page and you'll be re-directed to the “Enroll/Login” page.
What if my Username or Password does not work? If you encounter any questions or concerns not answered by the online instructions during the enrollment or login processes, please visit the “Contact Us” page on the “Help & Info” menu.
How do I make a Payment on my account? The easiest way to make a payment is through the “Make A Payment” option in MyCardInfo. By entering your checking or savings account information, you can have a payment posted to your account within a few business days. You can also make a payment by visiting any of our convenient branch locations or mailing your payment to the address provided on the “Make a Payment” page.
Should you have any questions or comments, please visit the “Contact Us” page on the “Help & Info” menu.
If I suspect Fraud or Forgery, what should I do? Visit our “Contact Us” page under the “Help & Info” menu and fill out a “Fraud and Forgery Affidavit.” Please complete the form and fax to the number provided. You may also mail it to the address provided on the “Contact Us” page.
If I want to dispute a transaction, what should I do? Visit our “Contact Us” page under the “Help & Info” menu and fill out a “Dispute” form. Please complete the form and fax to the number provided. You may also mail it to the address provided on the “Contact Us” page.
Is MyCardInfo safe? MyCardInfo is designed to keep your account information safe and secure. Your session will time out after twenty (20) minutes of inactivity and your account number is never displayed on the screen. You also have the ability to select specific security controls only you would know.
Should you have any questions or comments, please visit the “Contact Us” page on the “Help & Info” menu.
Activation and Use
How do I activate my account? When you receive your card, please call the number provided on the activation label. If no label is attached, call the number on the back of your card. In both instances, it is best to call from your home phone. Once your card is activated, do not forget to enroll in MyCardInfo for full online access.
My card has been lost/stolen, what should I do? Please immediately call the number on the back of your card to report your lost card. If you do not know the number to call, visit the “Contact Us” page of the “Help & Info” menu. To better assist us in servicing your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.
I think I have fraud on my account, what should I do? Please call the number on the back of your card immediately to report any fraud. If you do not know the number to call, please visit the “Contact Us” page of the “Help & Info” menu.
How can I get my credit limit increased? Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call the number on the back of your card to request the additional amount. If you do not know the number to call, please visit the “Contact Us” page of the “Help & Info” menu.
General Information
What is APR and how do I find my APR information? APR stands for “annual percentage rate.” This is the amount of interest billed to your account for the convenience of carrying a balance. Please review your card agreement for complete APR details.
What is a line of credit? This is the amount of funds available to you. You may view your credit line, as well as the remaining balance available for purchases and cash advances on the “Account Overview” page once you have logged into MyCardInfo.
What is a minimum monthly payment? A minimum monthly payment is the minimum amount you must pay to keep your account(s) in good standing. This minimum amount is clearly stated on each statement. Your minimum monthly calculation can be obtained by contacting Kern Schools.
Who do I talk to if I need help understanding my credit card statement? If you have questions regarding your statement or if you feel there is an error, please visit the “Contact Us” page on the “Help & Info” menu.
I have a dispute on my credit card statement, what do I do? If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps:
- Double-check your receipts and check with other authorized users of your card.
- Contact the merchant where the purchase originated.
- If you are unable to resolve your dispute with the merchant, please complete the appropriate form on the “Contact Us” page of the “Help & Info” menu.
Should you have any questions or comments, please contact us on Live Chat at www.ksfcu.org, visit any of our conveniently located branches, or call our Communications Center at (661) 833-7900 / (800) 221-3311 (if outside of Bakersfield) for further assistance.
How does Kern Schools keep my personal information safe? Your account safety is our primary concern. Please refer to the “Privacy Policy” page of the “Help & Info” menu for specific policies and information.
I am traveling internationally; can I use my credit card? Your Kern Schools credit card will work in most countries. Prior to traveling, however, please be sure to contact us by visiting the “Contact Us” page of the “Help & Info” menu, so we can monitor your travel and prevent fraudulent activity.
Can I add an additional user to my credit account? To request an additional user, visit any of our conveniently located branches for further assistance.
Rewards
What rewards do you offer? Kern Schools does offer rewards for some of our credit card programs. To receive specific information as it relates to your card, please visit the “Contact Us” page on the “Help & Info” menu.
Account Access
I forgot my account password or user name, how do I get a new one? In the event you are unable to log into your account online, please use the “I Forgot My Username or I Forgot My Password” options displayed on the “Log In” page.
How do I make a cash advance? To make a cash advance on your Kern Schools credit card, please visit any of our conveniently located branches for further assistance.
You may also use a personal identification number (PIN) to make a withdrawal at an ATM or visit a financial institution that offers cash advances Visa credit cards.
How do I get a personal identification number (PIN)? To request a personal identification number (PIN), please visit the “Contact Us” page on the “Help & Info” menu.