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MSU Federal Credit Union | Disclosures | Visa

Visa Credit & Debit Card Disclosures


This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which a Visa U.S.A. Inc.(“Visa”) Prepaid Reloadable Card (“Card”) has been issued to you. The Card is a prepaid card issued by First Gulf Bank, NA (“Bank”) pursuant to a license from Visa U.S.A. Inc. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. Please sign your Card immediately. In this Agreement “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. “We”, “us”, “our”, and “Bank” mean First Gulf Bank, NA, our successors, affiliates or assignees. You agree to sign the back of the Card immediately upon receipt. The Card will remain the property of Bank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.



This Card is a prepaid card. The Card allows you to access funds you place on the Card. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have. The Card is a Prepaid Card loaded with a specific amount of funds; redeemable to buy goods and services anywhere Visa debit cards are accepted. The Card is NOT a credit card. The Card is not connected in any way to any other account and is not FDIC insured unless fully registered. You will not receive any interest on the available funds on your Card, Our business days are Monday through Friday excluding holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open.



To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person requesting that we issue a prepaid card similar to the Card. 

What this means for you: When you ask us to issue you a Card, we will ask for your name, address, date of birth, and other information that will allow us to identify you and any authorized user of the Card. We may also ask for your driver’s license information or other identifying documentation.



A personalized card will be issued using the information given at time of purchase.   Upon receipt of your personalized card please follow the activation instructions provided on the card label and destroy your instant issue card. The balance from your instant issue card will be transferred to your personalized card.



You may use your Card to obtain goods or services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.



Your Card is valid until the date embossed on the front of the Card (the “expiration date”) or until the Card has been inactive for over 6 months and has a $0 balance at which time the Card will automatically expire. After the Card has expired, it is no longer valid, you will not be able to add funds to the Card and all transactions will be declined. You will automatically be issued a new Card a few weeks prior to its expiration date, unless the Card is otherwise terminated.  If the new Card is returned to us due to an invalid address, it will become an “expired” Card for termination, fee, escheat and all other statutory and regulatory purposes.  You agree to notify us of any change in address for Card reissuance, disclosure and other contact purposes.



In order to protect your Card you should request a PIN by calling the number on the back of your card. A PIN enables you to withdraw cash at any locations associated with the brand networks on the back of the card. Do not write your PIN on your Card, or keep it with your card. If you believe someone obtained unauthorized access to your PIN, visit or call the number provided on the back of your card to set a new PIN and/or cancel the card and prevent further unauthorized transactions.



You may add funds to your Card at any time. The There is a $5,000 limit to the total balance on the Card. Your Card allows for an unlimited number of reloads as long as you do not exceed $5,000 within seven (7) days when you load your card in a participating financial institution or Visa ReadyLink location.You agree to present the Card and any required identification when you add funds.



For lost or stolen cards, please call 1-866-466-8084.



If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. It may take up to [7] days for the amount of the refund to be credited to your Card.



You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipt to verify your transactions.



You may use the Card for purchases from foreign merchants (i.e., a merchant outside the U.S.). Visa® International will convert to U.S. dollars the purchase transaction made through use of the Card in a currency other than U.S. dollars. The conversion will be pursuant to applicable Visa® regulations in effect from time to time. Currently, the exchange rate between the transaction currency and the billing currency used for processing international transactions is (i) a rate selected by Visa® from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa® itself receives, or (ii) the government-mandated rate in effect for the applicable central processing date, plus a Visa® International processing fee of 3% in each case.  We will reduce the available balance on the Card by the total amount of the transaction in U.S. dollars. The exchange rate may differ from the rate in effect on the date of your purchase transaction.



We will not be liable: If, through no fault of ours, you do not have enough funds available on your Card to complete the transaction; If a merchant refuses to accept your Card; If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; If access to your Card has been blocked after you reported your Card lost or stolen; If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; If an ATM where you are making a withdrawal does not have enough cash or if that ATM malfunctions or the ATM owner fails to perform its obligations pertaining to the cash withdrawal; If there is a hold or your funds are subject to legal process or other encumbrance restricting their use; If we have reason to believe the requested transaction is unauthorized; Any other exception stated in our Agreement with you.



You may obtain transaction and balance information, and print periodic statements by accessing or by calling the number on the back of your card.



You agree to safeguard the Card and treat it like cash The Card can be replaced if it is lost or stolen, with certain restrictions. You should call the number provided on the back of your card or go to immediately to dispute a charge or report a lost or stolen Card. You will be required to provide your name, the Card number, original value, and transaction history. We reserve the right to require an affidavit and conduct an investigation into the validity of any request. If you do not contact us immediately, you may lose all the money in your account (plus the maximum overdraft line of credit, if applicable). If you notify us within two business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. We reserve the right to require an affidavit and conduct an investigation into the validity of any request. You will not be liable for transactions identified by us as unauthorized. Disputes: You acknowledge that purchases made with prepaid cards, such as the General Purpose Card, are similar to those made with cash. You cannot “stop payment” or lodge a “billing dispute” on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant. You will not be liable for transactions identified by us as unauthorized.



We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. From time to time the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your balance. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.



Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement.



Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Card is issued by First Gulf Bank, NA pursuant to a license from Visa. This Agreement will be governed by the law of the State of Florida except to the extent governed by federal law.



We may amend or change the terms of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Upon repossession, revocation, cancellation or closing of the Card, if we have your mailing address, we will send you a check for any remaining available funds, less the amount of any outstanding transactions and less applicable service charges and fees. This will usually take six to eight weeks.



If you have not requested a refund of the remaining available funds on an expired or repossessed, revoked, cancelled or closed Card, or made contact with us regarding your Card and any remaining available funds within statutory prescribed periods applicable to unclaimed property, the available balance on your Card may become unclaimed property subject to escheat to the State of your last known address, as shown on our records. If we do not have your address, in disposing of any remaining available funds on your Card after a period of inactivity or dormancy, unless otherwise required by applicable law, we will adhere to the laws of the State of Florida pertaining to the disposition of unclaimed property.



Information We Collect (“Cardholder Information”): (a) Information about purchases made with the Card, such as date of purchase, amount and place of purchase (b) Information you provide to us when you apply for a Card, or for replacement Cards or when you contact us with customer service issues, such as name, address, phone number. Information Security: Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.  Disclosure: We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas.



We may periodically monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.



Any controversy or claim arising out of or relating to these Terms and Conditions or the provision of services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in the State of Alabama, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Either you or we may seek any interim or preliminary relief from the court of competent jurisdiction in the State of Alabama necessary to protect the rights or property of you or us (or our agents suppliers, and subcontractors) pending the completion of the arbitration.



We and you each expressly waive any right either may have to a trial by jury in any legal action or other proceeding pertaining to any controversy or claim between you and us arising out of or relating to the Card, including those pertaining to these Terms and Conditions or our provision of services relative to the Card. This waiver of a trial by jury and the above agreement to arbitrate all controversies and claims on an individual basis and not as a class or group, is material inducement to the issuance of the Card by us to you and your acceptance of and use of the Card.



Subject to applicable law the following fees will be charged.


MONTHLY MAINTENANCE FEE:$4.95 per month.  •  INACTIVITY FEE:of $5.00 per month if your card remains inactive for 6 consecutive months.  •  COMPANION CARD: Companion cards are available for a fee of $5.95 each. Companion cards must be ordered online at Limit two.  •  CARD REISSUE/REPLACEMENT CARD FEE:$5.00 A reissued Card may take up to 10 days to process.  •  UNLOAD FEE TO A DDA ACCOUNT:$5.00  •  READYLINK RELOAD FEE:$3.95


ATM/ BALANCE INQUIRY/ATM DECLINE: Domestic ATM withdrawal fee $ 1.50  2 free per month / Balance Inquiry $0.50 2 free per month / ATM Decline $0.75  •  International ATM withdrawal fee $3.00. / Balance Inquiry $ 1.50 / ATM Decline $1.50  •  In addition, some ATM owners assess a surcharge for access to their machines. Any additional ATM surcharges will be deducted from your Card balance.


PIN POS TRANSACTIONS:  Domestic $0.50  •  CUSTOMER SERVICE CALLS: IVR Call-$0.95 one free call per month - Live Agent Call - $5.00 per call  •  CHECK REQUEST FEE:$25.00.  Please allow 4-6 weeks to receive the check.

CARD TO CARD VALUE LOAD/UNLOAD:Value Load: $3.95. To receive value on your Card from another prepaid debit card issued by your financial institution  •  Value Unload Fee: $5.00.  To unload value from your Card to another prepaid debit card issued by your financial institution.

Balance Reversal: $10.00 to reverse a card to card value load. Reversing a value load will also reverse prior card to card fees.  •  VALUE LOAD AT FINANCIAL INSTITUTIONS:You may be charged a value load fee by your financial institution provider and Visa ReadyLink merchants.


Fees and charges will be deducted from your available balance when they occur.  We will not provide you prior notice of any deductions of service charges or fees. It is possible for service fees and charges to consume the available funds on your Card prior to the expiration date of your Card.





No. The Visa Prepaid Debit Card is a prepaid reloadable card that carries a cash amount determined by the cardholder up to the maximum allowed card balance. Each time the card is used, the purchase amount is deducted from the available balance.



It can be used to make purchases everywhere Visa Debit is accepted and to obtain cash at any Visa or Cirrus ATM worldwide.



Yes, a personalized card will be mailed to you at the address you provided when you purchased your card. Once you activate your personalized card, your funds will be transferred to the personalized card and your instant issue cards will be closed.



Once you have received and activated your personalized card you may use that card number to order a companion card at Limit 2.



Please refer to the Terms and Conditions.



Yes, the Visa Prepaid Debit Card has a maximum value limit of $5,000.



Yes, you will find a direct deposit form and instructions on



Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there may be limits to the number of reloads and ATM withdrawals performed within a certain time period. Please call 866-466-8084 to learn more.



Each card is distributed with a Cardholder Agreement & Disclosure. This agreement fully explains the terms and conditions regarding the use of the card. This agreement can also be viewed online. The cardholder accepts the terms and conditions by activating the card, signing the back of the card or using the card.



You can retrieve and/or change your PIN by calling the number listed on the back of your card.  You may also change your PIN by going to



Yes, you may reload your Visa Prepaid Debit card at a participating financial institution, by direct deposit or at any merchant that displays the Visa Ready Link logo.  For a listing of Ready Link merchants please go to


Go to or call 866-466-8084.



You can fill out a dispute form at



You should select credit.



Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa debit purchase.



Yes, subject to the rules of each individual merchant.



Recipient should immediately report any problems or a lost or stolen card by calling 1-866-466-8084. A replacement card will be issued and any available balance will be transferred to the new card, less the $5.00 lost/stolen fee that will be deducted from the card’s available balance (a new card issuance fee may also apply). As long as the lost or stolen card is reported immediately, the cardholder is not responsible for any unauthorized merchant charges.



Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the card recipient will be required to make a payment to cardholder services to cover the negative amount.

Payments should be sent to:

Cardholder Services
PO Box 550160
Fort Lauderdale, Florida 33355-0160



In most cases your available balance is less than the purchase amount. You will want to tell the merchant the exact amount left on your card and use another form of payment to pay the difference (subject to the merchant’s policies). In rare cases, if an inactivity fee has been assessed and has brought your card to a $0 balance; your card will have automatically closed.  Please visit for balance information.





It is customary for service-oriented or travel companies to require an available balance over the purchase amount (usually 25%) to ensure sufficient funds for tips or incidental expenses.


GAS STATIONS -Paying at the pump using this card requires at least a minimum balance of $75.00 (subject to change).  However, only the actual amount spent will be deducted from the card.  If your Prepaid Debit Card is less than $75.00, you can use the card inside the station as long as the purchase does not exceed the remaining balance.


ON-LINE MERCHANTS -This card may not be used at age restricted on-line merchant sites.



Use the ATM locators found at or




Benefit InformationWhat is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit?
The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement (subject to the terms and conditions in this guide) for damage due to collision or theft up to the actual cash value of most rental vehicles.

Who is eligible for this benefit?
You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa card issued in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered.


What losses are covered?
The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle.

Covered losses include:

  • Physical damage and/or theft of the covered rental vehicle
  • Valid loss-of-use charges imposed and substantiated by the auto rental company
  • Reasonable and customary towing charges, due to covered theft or damage, to the nearest qualified repair facility

How does this coverage work with other insurance?
Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. This means that, subject to the terms and conditions of this benefit, Auto Rental CDW applies to eligible theft or damage or expenses that are not covered by insurance or reimbursement.

If you do not have personal automobile insurance or any other insurance covering this theft or damage, this benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle.

If you do have personal automobile insurance or other insurance covering this theft or damage, the Auto Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility.

What types of rental vehicles are not covered?
The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.

  • Examples of excluded expensive or exotic automobiles include: the Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered.
  • An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more.
  • Vans are not covered, with the exception of those manufactured and designed specifically as small group transportation vehicles (for a maximum of eight (8) people including the driver).

What else is not covered?

  • Any obligation you assume under any agreement (other than the deductible under your personal auto policy)
  • Any violation of the auto rental agreement or this benefit
  • Injury of anyone or damage to anything inside or outside the rental vehicle
  • Loss or theft of personal belongings
  • Personal liability
  • Expenses assumed, waived, or paid by the auto rental company or its insurer
  • Cost of any insurance or collision damage waiver offered by or purchased through the auto rental company
  • Depreciation of the rental vehicle caused by the incident including, but not limited to “diminished value”
  • Expenses reimbursable by your insurer, employer, or employer’s insurance
  • Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities
  • Wear and tear, gradual deterioration, or mechanical breakdown
  • Items not installed by the original manufacturer
  • Damage due to off-road operation of the rental vehicle
  • Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities)
  • Confiscation by authorities
  • Vehicles that do not meet the definition of covered vehicles
  • Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence
  • Leases and mini leases
  • Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the rental vehicle before and/or after theft or damage occurs (for example, leaving the vehicle running and unattended)
  • Theft or damage reported more than forty-five (45) days* from the date of the incident
  • Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the incident
  • Theft or damage for which all required documentation has not been received within three hundred and sixty-five (365) days from the date of the incident
  • Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland

Where am I covered?
This benefit is available in the United States and most foreign countries. However, no benefit is provided for motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, this benefit is not available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual merchants. Because regulations vary outside the United States, it is recommended you check with your auto rental company and the Benefit Administrator before you travel to make sure Auto Rental CDW will apply.

This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle.

How do I make sure my Auto Rental CDW benefit is in effect?
To be sure you are covered, take the following steps when you rent a vehicle:
1. Initiate and complete the entire rental transaction with your eligible Visa card.
2. Decline the auto rental company’s collision damage waiver (CDW/LDW) option or similar provision.

Helpful tips:

  • Be sure to check the rental vehicle for prior damage before leaving the rental lot.
  • Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are familiar with the terms and conditions of the auto rental agreement.

What if the auto rental company insists that I purchase the auto rental company’s auto insurance or collision damage waiver?
Call the Benefit Administrator for help at 1-800-348-8472. If you are outside the United States, call collect at 804-673-1164.

Filing an Auto Rental CDW Claim

What do I do if I have an accident or the rental vehicle is stolen?
Immediately call the Benefit Administrator at 1-800-348-8472 to report the theft or damage regardless of whether your liability has been established. If you are outside the United States, call collect at 804-673-1164. The Benefit Administrator will answer any questions you or the auto rental company may have and will send you a claim form.

When should I report an incident?
You should report theft or damage as soon as possible, but no later than forty-five (45) days* from the date of the incident.
The Benefit Administrator reserves the right to deny any claim that contains charges that would not have been included had the Benefit Administrator been notified before those expenses were incurred, so you are advised to notify the Benefit Administrator immediately after any incident.

Please Note: You must make every reasonable effort to protect the rental vehicle from theft or damage. As the cardholder you are responsible for reporting your claim to the Benefit Administrator immediately. Reporting an incident to someone other than the Benefit Administrator will not fulfill this obligation.

What do I need from the auto rental company in order to file a claim?
At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental company for:

  • A copy of the accident report form and claim document, which should indicate the costs you are responsible for and any amounts that have been paid toward the claim
  • A copy of the initial and final auto rental agreement(s) A copy of the repair estimate and itemized repair bill
  • Two (2) photographs of the damaged vehicle, if available
  • A police report, if obtainable

How do I file a claim?
Submit the documents gathered from the auto rental company (listed above) along with the following additional documents to the Benefit Administrator:

  • The completed and signed Auto Rental CDW claim form. Please Note: Your completed claim form must be postmarked within ninety (90) days* of the date of the theft or damage, even if all other required documentation is not yet available, or your claim may be denied
  • A copy of your receipt or monthly billing statement as proof that the entire vehicle rental was charged and paid for with your eligible Visa card
  • A statement from your insurance carrier (and/or your employer or employer’s insurance carrier, if applicable) or other reimbursement showing the costs for which you are responsible and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, a notarized statement of no insurance or reimbursement is required
  • A copy of your primary insurance policy's Declarations Page to confirm your deductible. “Declarations Page” means the document(s) in your insurance policy that lists names, coverages, limits, effective dates and deductibles.
  • Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim

Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days of the date of theft or damage. If you have difficulty obtaining the required documents within ninety (90) days* of the date of theft or damage, submit the claim form with available documentation.

For faster filing, or to learn more about Auto Rental CDW, visit

Do I have to do anything else?
Usually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim.

After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

* Not applicable to residents of certain states.

You must make every effort that would be made by a reasonable and prudent person to protect the rental vehicle from theft or damage. This provision will not be unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within twelve (12) months of the date of the incident/occurrence.

No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefit have been complied with fully.

This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled.

Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the benefit, and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa cardholder. Indemnity Insurance Company of North America (“Provider”) is the underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.

Rev. 05/14