Card Suite Lite is a mobile app that allows you to control how, when, and where your credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. Card Suite Lite can help keep your payment cards safe and provide instant alerts whenever your card is used.

Card Suite Lite requires you to have a credit card account issued from WCTFCU. You will also need an Apple or Android smartphone.

Card Suite Lite is available in both the Apple store and Google Play store.

No. It is provided to you at no cost so you can have more control over your card.

Although Card Suite Lite may be available for Apple iPad and Android tablets, some features may be missing from those versions of the app. Card Suite Lite is optimized for personal mobile devices.

No, Card Suite Lite is not compatible with smart watches.

If your card is reissued with the existing card number, you will not need to add it to the app again. However, if your card is reissued with a new card number, you will need to add the new card to the app.

A password is required to login to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.

If you have problems registering, contact Card Services at WCTFCU for assistance. Call 800.992.2226 extension 222.

• Transaction controls allow you to control various transaction types, including online, in-store, contactless, ATM, and mail/phone. Using this feature, you can block specific transaction types to avoid fraud.
• Merchant controls allow you to control the merchants where your card can be used and set spend limits.
• Location controls allow you to define an area where your card can be used. There are 3 types of location controls:
• Location Shield requires that the phone be within 8 miles of the merchant for the transaction to be approved.
• Region Shield allows you to select a zip code, city or state where purchases can be made. Up to 50 regions can be added.
• International Transactions defaults to the country that your financial institution set up your card in, but you can add additional countries. Travel dates can be added to regions in location controls. However, adding dates to the Card Suite Lite application does not add them to your financial institutions system. You will still need to contact your financial institution and notify them of your international travel dates to ensure that your transactions are not declined.

The freeze card feature allows you to lock your card temporarily. All transactions will be declined while the card is in a frozen status except for recurring/auto payments.

No, autopay and recurring transactions will continue when the card is frozen.

Yes, when the card is in a frozen status in Card Suite Lite, you can make changes to other card controls.

No. Deleting a card in the app does not change the status of your account. It only removes the card from Card Suite Lite which deletes all the card controls.

Controls and alerts come into effect immediately after you save your preferences.

When a transaction is declined due to a control that was setup in the Card Suite Lite app, a push notification is sent. You can view the card control(s) that cause the decline by going to Transaction History. Tap the declined transaction and the control(s) that were evoked during the authorization will be listed near the bottom.

Please note: The transaction could also be declined because of external factors like insufficient funds or fraud monitoring - Card Suite Lite will not display these external factors.

Any autopay/recurring transactions for that merchant will be declined.

Yes, you can temporarily turn off card controls by tapping the Override button for a declined transaction. However, this must be done within 10 minutes of the original transaction being declined.

Transactions will be display in the app for 12 months.

Alerts let you know when certain events occur. You can choose to turn on/off alerts for the following events:

• Card Management: Card expiration and freeze/unfreeze alerts
• Card Controls: Alerts for merchant, location and transaction controls
• Transactions: Alerts for approved and declined transactions

Alerts will be sent as a push notification on your mobile phone. Alerts can also be viewed in-app by clicking on the bell notification icon.

Confirm that your mobile device’s notification settings for the Card Suite Lite app are turned on. If alerts are turned off at the operating system level, Card Suite Lite will not be able to deliver alerts to your device.

Yes, you can control certain app alerts, such as transaction alerts, card controls, etc.

Yes, any card activity done by a shared user will trigger a notification for the card owner.

You can share your card with your partner, parent, child, friend, co-worker, or other trusted contacts.

Yes, you can share the card with up to a hundred members simultaneously.

No, the controls that you set will apply to all shared users.

No. The shared card user can’t override a transaction declined by specific card controls.

Yes, you can remove a shared card user using the Card Sharing feature under the Manage option on the Card home screen.

Just download Card Suite Lite on the new device and login. User’s account information of Card Suite App is not stored locally hence when user logs into their existing account on a new device - all card controls, preferences and transactions stay intact. For best practices, it is recommended to log in and validate that all your settings have carried over.

Some merchants send pre-authorizations at higher amounts to test cards' validity. For example, a $25 gas purchase might display as $26. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the application for more, it will clear your account for the correct amount.

A: ScoreCard Rewards is a rewards program offering Points for qualifying purchases. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, and more (each, an “award”).

A: On your first visit to the site www.scorecardrewards.com, you will need to set up your profile with a username and password. You will also be asked to set up some security question and answers for password retrieval. Once you create your profile you will log in with your username and password. You may browse the rewards site by clicking on the “Browse Catalog” link from the log in page. Point balance and redemption capabilities are not available in the browse feature of the site.

A: Point balances are always available on www.scorecardrewards.com or you may call Award Headquarters at (800) 854-0790 to verify your balance.

A: Simply use your ScoreCard Rewards participating card, each a “rewards card”, for your purchases. You will earn Points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the Points available in your account.

A: You may order awards anytime during the Program as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding) and you have enough Points to redeem the requested award.

A: For merchandise awards you can order merchandise awards using the online shopping feature at www.scorecardrewards.com. You can also call customer service at (800) 854-0790. You may also print an order form from www.scorecardrewards.com. Simply complete the form, including all information requested, and mail to the address printed on the form. Travel awards, airline tickets, vacation packages, and cruises may be ordered by calling and speaking with a Travel Services Representative. You may also use the online travel booking site to obtain select air awards. In addition, you may purchase additional airline tickets and make car and hotel reservations online. If you prefer, Travel Services Representatives can assist with booking both purchased as well as redeemed awards travel items.

A: Call Award Headquarters at (800) 854-0790.