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Here you will find the answers
to the most frequently asked questions about getting and using
your card.
Q: What
does it cost to apply?
A: There
are no application fees for applying.
Q: How
long will it take to process my application?
A: In
most cases, it takes two weeks. However, in peak periods,
it may take up to 30 days to process your application.
Q:
Is the information I submit on this application secure?
A: Yes.
We use the highest form of Internet security technology. This
ensures that the private and personal information you are
submitting remains secure and confidential.
Q:
Will I receive some sort of confirmation after I submit the
online application?
A: Yes.
After you submit your application, a confirmation page will
appear on your screen. It may take a few moments, so please
do not interrupt your browser during this process.
Q: Can
I apply by phone?
A: Of
course. We would be happy to take your application over the
phone. Please call 1-888-333-5145 for credit card applications.
Q. Is
there an annual fee for the card?
A. No. You won't be charged an annual fee for the Charter One Circle Rewards Platinum MasterCard®.
Q. What
Platinum benefits do I get?
A. The purchases you make with your card have Extended Warranty Coverage which doubles the protection on most manufacturers' warranties up to one year. Plus, you get travel accidental insurance protection, car rental insurance and an optional Year-End Account Summary. For more information, click
here.
Q. Can
I manage my account online?
A. Yes.
Simply enroll
in Online Account Access. You can see recent and past
statements, pay your credit card bill, check balances and more online.
Enrollment is free.
Q. Where
is my card accepted?
A. You
can use your card at millions of MasterCard®
locations worldwide – including online. No card is accepted
in more places.
Q. How
can I make balance transfers with my card?
A. It’s
easy. Just use the Balance Transfer checks in your Welcome
materials.
Q: Will
any balance transfer(s) I make appear on my next statement?
A: Balance
transfers can take up to four weeks to process. Continue to
pay the minimum monthly payments on the accounts you designate
until the balance transfer payments appear as credits on those
accounts.
Q. What
if I ever have a question or concern about my card?
A. Simply
contact the Customer Service Department at 1-800-684-2222,
Monday through Friday from 7 a.m. to 1 a.m. EST or Saturday
and Sunday from 7 a.m. to midnight EST.
Q.
How many points do I need to redeem a reward?
A. Reward
selections begin at 2,500 points. Your Circle Rewards Program Guide
will contain all the reward information you will need. Or you can
visit CircleRewards.com
for a complete viewing of the Rewards Program.
Q.
How do I redeem my reward points?
A. Call
the Circle Rewards Redemption Center toll-free at 1-800-921-6364.
Our specialists are available Monday - Friday 9 a.m. to 9 p.m. EST,
Saturday and Sunday 9 a.m. to 8 p.m. EST. Or visit CircleRewards.com
to redeem online at anytime.
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