Frequently asked questions about credit cards
Activation and personalization
When you receive your card, you need to activate it by calling the number on the sticker affixed to the front of your card.
You can also activate your card online – here are some helpful tips.
There are two ways you can register for eStatements:
Sign in to Online Banking and select ‘eStatements and Documents’ on the Account Summary page. On the Online Statements page, select the applicable tab, choose the account number and ‘Register’. Learn more.
or
In eZCard, make sure you’re in the account view by going to the top of the page and selecting the switch icon next to your account name. Then, go to the 'Statements' page and chose your preferred statement option (electronic or paper).
As a primary cardholder, you will see that you have a card number and an account number. Card numbers apply to specific credit cards and identify payments and transactions. Your account number applies to your credit card account, which may include more than one card. Your account consolidates transactions and payments across all its cards.
To change these details please call Meridian Contact Centre at 1 (866) 592-2226.
If you’ve been negatively impacted by French language appearing at point-of-sale terminals and on receipts when using your new Meridian Visa, we invite you to request a replacement card as a permanent fix to this issue. Note: If you do not want to request a replacement card at this time, rest assured that there will be no language issues with the replacement card that we automatically send you prior to your card expiry date.
You may request a replacement Visa card by either visiting your nearest branch or give us a call at 1 (866) 592-2226.
Account details and changes
Call the number on the back of the card or dispute items online in eZCard. Navigate to eZCard, select a transaction you’d like to dispute (Note: a transaction has to be posted to the account) and select “Dispute this charge”.
Please call the number on the back of your credit card.
The annual interest rate is a measure of the cost of credit, expressed as a nominal yearly rate. It is the amount of interest that is billed to your account for the convenience of using your credit card. There is a 21-day grace period during which no interest will be charged on that month's merchandise purchases. Please note that cash advances do not have a grace period. You can view your current annual interest rate online in your eZCard account or on a monthly statement. Your complete annual interest rate details were provided with your card when your account was approved.
Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. As a fraud protection measure, we do strongly recommend that you call Cardholder Service prior to your departure. You can reach Cardholder Service at 1 (877) 558-3049.
When traveling internationally, please contact Cardholder Service at the international collect number: 1 (727) 570-4899.
Security and protection
Report it immediately by calling 1 (877) 558-3049.
Report it immediately by calling 1 (877) 558-3049.
Members can change their PIN at any Meridian or THE EXCHANGE® Network ATM. Here’s a list of ATM locations.
To quickly change your PIN at an ATM, simply insert your Visa card and follow the prompts. You’ll need to input your existing PIN during the process, so make sure you have it with you.
If you’ve forgotten or lost your existing Meridian Credit Card PIN, call Cardholder Services at 1 (877) 558-3049 to request a PIN reminder mailer.
You can use your Meridian Visa Card to tap and pay for purchases with contactless payments up to $250.
Tip: Make life even easier with mobile payments. Add your Meridian Visa Card as a payment method on your phone and use it to make purchases.
Your PIN becomes blocked if you enter it incorrectly three times. If this happens, you won't be able to use your card for transactions requiring a PIN. There are a couple of ways to unblock your PIN.
-
If you remember your PIN or have it written down somewhere, visit a Meridian or THE EXCHANGE® Network ATM to unblock/reset your PIN by following the PIN change process. You can change your PIN to the same PIN. Once you’ve reset your PIN via this process, you can start using your card with Chip/PIN right away.
-
If you’ve forgotten your PIN, call Cardholder Services at 1 (877) 558-3049 (this number is on the back of your card) to request a PIN mailer. Once you receive the PIN reminder by mail, visit a Meridian or Exchange Network ATM to change it. Remember you can change it to the same PIN. Once you’ve reset your PIN via this process, you can start using your card with Chip/PIN right away.
-
Alternatively, you can perform a cash advance at any Meridian or THE EXCHANGE® Network ATM to reset your PIN. Here’s a list of ATM locations.
Tip: If your PIN is blocked, you can still make purchases by contactless tap or mobile wallet up to $250 until you’re able to visit an ATM to unblock/reset your PIN.
Go to the alerts page in eZCard and select the alerts you want to receive.
Fees, payments, and bills
You can make a payment through online banking (a platform like Meridian Credit Union or another financial institution), through a bill payment enabled ATM, or at a branch.
Locate the wallet app on your smartphone — most are already installed. Then enter your credit card information. You can add your Meridian credit card to Apple Pay®, Google Pay™, or Samsung Pay®.
Rewards, features, and benefits
Our Meridian Visa Rewards Program is available on all of our credit card products and includes options to redeem for gift cards, merchandise, travel or account credit.
For general information, visit Rewards and benefits.
To explore the reward offerings on a specific card, visit the individual card product page.
You can redeem rewards through eZCard.
Some of our cards come with travel insurance. Check the details of your card’s features on its page. You can find them all in our Credit Cards section.
