Exciting new changes are coming!
Meet your new CHROME Platinum Cash Back Mastercard, heading your way on or before your October billing cycle date! Your new card offers:
- 1% Cash Back on all purchases
- Rates as low as 12.65% APR (VAR) on purchases, 3.99% APR on balance transfers for 12 months
- No annual fee
- $0 Balance Transfer fee
- Log in to 24/7 Digital Banking and then manage my Card - DXO to view statements, make payments, and request balance transfers.
Key Dates to Remember:
Distribution Date: Your new card will arrive in your mailbox on or before your October billing cycle date.
Activate Your Card: You will receive an email letting you know when it is time to activate your new card.
Begin Using Your New Card: Your Alcoa Visa will stop working on your October billing cycle date, which is when your new CHROME Mastercard becomes active. Continue using your Alcoa Visa until your October cycle date arrives.
When to Expect Your Card:
Your card is expected to be delivered before your October cycle date.
Card Activation & PIN Setup
Step 1: Activate Your Card
- Call 800-631-3197 or, for international activation, call 727-540-9434 from the phone number registered on your CHROME FCU account. When prompted, enter your new 16-digit card number, the last 4 digits of your SSN, and the 3-digit security code on the back of the card.
Step 2: Set Your PIN
- A PIN is not required to use your credit card. If you wish to set up a PIN, call 1-888-886-0083 or, for international setup, call 1-531-262-5315. Your previous PIN will not transfer automatically.
Step 3: Prepare Your Card
- Peel off the front sticker and sign the back of your card.
Online & Mobile Banking
During uncertain times, depend on us 24/7
- Check your balance
- Utilize Bill Pay to stay on top of your monthly expenses
- View/Schedule transactions
- Set up account alerts
- Move funds between your CHROME bank accounts
- Make transfers to and from non-CHROME bank accounts
- Send and receive money fast with Zelle®
- Monitor your CHROME loan accounts
- Add outside accounts to monitor balances in one place
- Free Budgeting Insights Tool
Why is my credit card changing, and when does this take effect?
As part of our commitment to providing a better banking experience, CHROME Federal Credit Union is transitioning credit card processing services from Visa to Mastercard following the Alcoa Pittsburgh Federal Credit Union merger with CHROME FCU. This change will take effect on your October billing cycle date. Please watch your inbox for additional information and card activation instructions.
What steps do I need to take regarding card activation, automatic payments, and my old card?
At this time, no action is needed. On or around your October billing cycle date, you will receive an email with activation instructions. Once activated, update your new card number, expiration date, and CVV with any merchants handling your recurring automatic payments. Afterwards, safely destroy your old card by shredding or cutting it up.
Will my card number, PIN, or number of issued cards change?
Yes, you will receive a new card with an updated card number, expiration date, and CVV code. Your existing PIN will not transfer over—set up a new PIN by calling 1-888-886-0083 (or 1-531-262-5315 for international setup). If your account currently has two cards, two replacement CHROME Mastercards will be issued.
How will this transition affect my interest rates, credit limit, or credit score?
Your existing fixed interest rate will continue to apply to your current balance and any transactions made prior to the transition. All new purchases made on your new CHROME Mastercard will be subject to a variable rate starting at 12.65% APR. Your credit limit will not change, and there will be no credit report inquiry associated with receiving your new card.
How do I make payments, and what are my new payment terms?
Your new payment due date is the 18th of each month, and the minimum monthly payment is 3% of the outstanding balance. You can make payments via online transfers at chromefcu.org, through Manage My Card from external institutions, by phone at 1-855-556-1970 ($5.00 fee applies), or in person at any branch
How do I view my card and set up account alerts online?
Log in to CHROME online banking or our mobile app and select "Manage My Card" to register your new CHROME Mastercard. From there, you can view statements, make payments, request balance transfers, and set up account alerts (previous alerts will not transfer automatically).
Will my current rewards or benefits be affected?
Yes. Cash back rewards will automatically pay out on the last day of your October billing cycle. If you currently have reward points, please make sure to redeem them before they expire at the end of September.
When is the last day to process a cash advance?
The last day to process a cash advance is September 30, 2026. This applies to ATMs, banks, and credit unions that process Visa cash advances, as well as the Northshore branch location.
What happens to my balance if I decline the CHROME credit card?
If you decline the card, your existing card will be closed and no new purchases can be made. Your current Alcoa interest rate will continue to apply to your remaining balance, and you will receive monthly statements directly from CHROME until it is paid off.
Where can I find ongoing updates?
Please monitor your email inbox for specific activation details and continue checking this webpage regularly for all ongoing updates.