Card Controls
Card Security at your Fingertips
best rates
4.74%
10.99%
7.99%
8.29%
with a spark of financial freedom
Let’s Tap to Pay
Mobile Wallet
Load Your Card
Load your Credit or Debit Card into the mobile wallet on your smartphone, tablet or even your smartwatch
Payment Solution
Leave your wallet at home. Shop with your phone. It’s easy and fun! Accepted at over 75% of US merchants and retailers
Tokenization
Encrypted tokenization keeps your personal information safe by replacing card numbers with a digital code, thus blocking data sharing
with a spark of financial freedom
Information and interactive calculators are available to you only as self-help tools for your personal use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from an Ignite Credit Union professional regarding all personal finance issues. Call 888-860-6928 or find a branch near you.
credit card faq
| Credit Cards | APR* | Balance Transfer APR** |
|---|---|---|
| as low as | ||
| Classic Visa | 9.99% | 0% for 12 months** |
| Rewards Visa | 11.99% | 0% for 12 months** |
| Credit Builder Visa | 16.99% |
**Balance Transfers: The 0% APR applies to balance transfers only and is valid for 12 months from the date of the first balance transfer. No balance transfer fees apply. After the 12-month introductory period, the APR will revert to the standard fixed APR for balance transfers, which ranges from 9.99% APR to as high as 15.99%, based on creditworthiness. Rates are fixed and based on the Prime Rate. Subject to credit approval. Terms and conditions apply. Deposits are federally insured by NCUA.
Paying On Time
The most essential factor in determining your credit score is your payment history. Because of this, you must make your credit card or other loan payments by the due date. There are many negative consequences associated with poor payment history. These include a lower credit score, higher interest rates, and late fees. You’ll also be considered a “risky” person to lend money to when you apply for mortgages or loans. Lenders will likely offer you higher rates to make up for this risk.
It’s always the goal to pay more than what is due or even your entire bill each month. However, your payment history will be just fine if you’re at least making your minimum payments. Ensure you’re spending within your means and paying attention to your due dates!
Keeping Your Balances Low
A good rule of thumb with credit card balances is that you should always have at least 70% or higher of your approved credit available. For example, if you have $100 in available credit, make sure you have at least $70 available. This is because a low credit utilization rate dramatically impacts your credit score. Essentially, this information tells lenders that you can save and won’t spend every penny you have.
Keeping Your Accounts Open
Let’s say you’re evaluating your finances and determine one of your credit cards is a little outdated. The logical next step would be to cancel it, right? It makes sense! Why would you keep a card open that you don’t intend on using? However, financial experts advise against this practice. In fact, regardless of what type of credit card it is, it’s typically more beneficial to keep your accounts open.
There are a couple of reasons for this. First, lenders look at your average credit age more favorably the longer it is. The other reason is the effect it’ll have on your credit utilization. Suppose suddenly you take away a portion of your available credit. The percentage you’re now using will increase.
Keep in mind that there are times when closing an account would be a better option. If you find that you are constantly maxing out your cards or making late payments, you’ll probably want to get the card paid off and close the account. Always make sure that your use of a credit card improves your financial wellness and doesn’t hurt it!
pro tip: Wait at least six months between credit card applications. Applying for a new line of credit is considered a “hard inquiry,” which means it’ll appear on your credit report. A hard inquiry every once in a while will not affect your credit score much, but multiple in a short period can be damaging!
Earn CURewards® points on qualifying purchases that can be redeemed for travel, merchandise, gift cards, and more. Simply use your card for everyday purchases and watch your points add up.
Transfer your balance to our Classic or Rewards Visa® credit card and enjoy a 0% APR introductory rate on balance transfers for the first 12 months.
Plus, there are no balance transfer fees, helping you keep more money in your pocket while you work toward paying down your balance.
Check your account history and make payments all online. It’s easy to build credit when you can view and pay your balance in a few clicks or taps.
To request a copy of your credit card agreement, please call us at 888.860.6928 or send us an email request to [email protected]. We’ll provide the requested agreement within a reasonable timeframe, not to exceed 30 days.
Please note: Do not include personal information in your request (account numbers, Social Security Number, or other sensitive information).
The following Ignite Credit Union branches feature standard ATM’s:
- Albion
- Allegan
- Battle Creek
- Coldwater
- Fennville
- Gobles
- Jackson
- Portage
- Sterling Heights
- Wyoming
SURCHARGE-FREE ACCESS TO YOUR MONEY, ALMOST ANYWHERE
CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free access to your money than most traditional bank customers do.
To locate an Ignite Credit Union or CO-OP Network ATM near you, text MYCOOP to 91989 from your mobile phone. In the body of the text, enter an address (with city, state), a zip code, or an intersection (with city, state) of where you want to search for an ATM.
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Your credit score is one of the most important factors regarding your financial wellness. Those with good credit scores typically get better rates on mortgages/loans, pay lower fees, and are offered more perks. According to FICO, the most widely used source by lenders, your credit score is determined by five distinct factors:
- Payment History (35%)
- Credit Usage (30%)
- Age of Credit Accounts (15%)
- Credit Mix (10%)
- New Credit Inquiries (10%)
Using a credit card can positively impact each one of these factors; however, if not used properly, a credit card can also be destructive.
Easily view your credit score through Savvy Money in the Ignite Credit Union mobile app.
- Savvy Money uses a “soft pull”, so your score isn’t negatively affected
- Scores can be refreshed daily
- Get an analysis of your score, including the credit rating and an explanation of it
- See recommended actions to improve your credit
-
Simulate your score with their built-in score simulator, which allows you to input items like missed or increased payments, new lines of credit, loans being paid off, and more, to see how your credit score might change
Credit cards are used to make purchases and pay bills – just like a debit card. The difference between the two is where the funds are coming from. When you make a purchase with your debit card, your money is automatically pulled from your checking account. Credit Cards, however, charge your approved line of credit for the purchase. This allows you to make the actual payment for the purchase later – once you receive your credit card bill.
Credit cards are often associated with debt because the money is borrowed and paid back later, which is why many people are hesitant to open a line of credit; however, one significant advantage that a credit card has over a debit card is the capability to improve a person’s credit.
This convenient service provides peace of mind in the event your Debit or Credit Card gets lost or stolen, or if you detect suspicious activity. You can access Card Connect from within the mobile app and easily turn your Debit Card or Credit Card on or off to protect your accounts from unauthorized use. You are in control–anytime, anywhere!
- Receive card activity alerts–when and where your card is being used
- Report a lost or stolen card and turn your card on or off
- View account balances and see recent account activity
How To Get Started
Take control of your cards today! Simply:
- Download the latest version of our mobile app, Ignite CU Connect, from the App Store or Google Play.
- Log in to the app.
- Tap “More” at the bottom of your screen.
- Tap “Card Controls.”
- Tap “Enable Push Notifications” in order to receive activity alerts.
- You will find a list of all active Debit and/or Credit Cards – Tap on the card(s) to set your personal preferences as to which notifications you would like to receive.
Enjoy the convenience of making your loan payments via ACH (electronic check) from your savings or checking account or from a debit or credit card from any financial institution right on your Ignite Mobile App. If your savings or checking is with Ignite Credit Union, please log in to Online Banking to make payments.
What You’ll Need:
- Your Ignite Credit Union account number and loan suffix(es)
- The routing and account number or debit/card number to be used for the payment*
- Ignite Credit Union primary account holder information
- Choose to register a user or make a payment as a guest (creating a user is recommended if you plan to make payments using REPAY)
Benefits Of REPAY:
- No late fees or missed payments
- No need to write a check and send it in the mail
- Avoid the hassle of moving money from place to place to pay a bill
- Set up REPAY to withdraw funds directly from any financial institution
* a $10 convenience fee applies to payments made with a credit or debit card
If you haven’t used Online Banking before, give us a call at 888.860.6928 and we’ll be happy to get you started!
Our fraud Detection and Notification System notifies you when we suspect fraud so that you can review transactions and confirm your spending activity on Debit and Credit Cards.
**Please note that we will NEVER ask for your card number or account number since we already have this information. If someone calls requesting this information, do NOT share any personal details.
We recommend calling the Credit Union to verify your transaction history and any possible fraud transactions. Give us a call at 888.860.6928 and we’ll be happy to help answer any questions you have!
To file a dispute call 888.918.7873.
To check the status of a dispute case call 888.860.6928.
Ignite Credit Union has partnered up with GreenPath to offer one-on-one financial counseling, debt management services, and financial education tools.
Through your Ignite membership you have free access to GreenPath’s financial experts to guide you through life’s financial challenges.
GreenPath offers personalized assistance with:
- Budgeting and money management
- Debt repayment
- Understanding your credit report and how to improve your score
- Avoiding bankruptcy, foreclosure, and repossession
Please visit our partner website at greenpath.com/partner/ignite or call 877.337.3399 to get connected today.
Fill out the form below to request a credit limit increase for your credit card.
You already use your phone for just about everything, now you can pay with it too! Add your Debit and Credit Cards to your Mobile Wallet on your smartphone, tablet, or smart watch and shop securely in stores, apps, and online. Encrypted tokenization means your personal information is secure and can actually be safer to use than swiping a physical card. Get started today!
Add your Ignite cards to Apple Pay® using your Wallet App on your device.
- Go to Wallet and tap the
.png "Apple Pay Plus Icon")
icon - Follow the steps to add a new card.
- Your credit union will verify your information. If we need more information to verify your card, we’ll ask you for it. When you have the information, go back to Mobile Wallet and tap your card.
- After your card is verified, tap Next. Then start using Apple Pay®.
Add your Ignite cards to Google Pay™
- Open the Google Pay™ app.
- Take a photo of your card.
- Choose how you will verify.
- Complete verification and you’re ready to use!
- Find the app pre-installed on your phone or download here
- Sign in to your Samsung account
- Scan your fingerprint or iris and enter a pin to authenticate future purchases
- Add your card(s)
- Card issuer may verify your information with a One-Time Passcode. Select how you want to receive the passcode via the email or mobile phone number on file
- Your cards are securely backed up and can be restored with your Samsung account