Cards Support

Your current available points balance is listed in the top right corner of every page on the Pathfinder Points website.

Points will expire on the last day of the month, five (5) years after the date of issuance.

For full details, please visit the terms and conditions page.

The total outstanding balance of purchases, balance transfers, and cash advances in your account on the closing date of a billing cycle, including any interest charges, will be shown on your monthly statement for that billing cycle as the “New Balance.”

Your APR is a variable rate and will change with the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month.

If you think there is an error on your statement, write to us at: Trailhead Credit Union, PO Box 2788, Portland, Oregon 97208-2788. In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter? When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Yes, we reserve the right to increase or decrease your limit.

As described in the Visa Account Agreement and Disclosure, the following fees may apply:

• Late Fee: $15.00 for each minimum payment not paid within ten days of the due date.
• Over limit Charge: An over limit fee of $25 will be assessed per statement cycle against your Account if your balance exceeds your approved credit limit.
• Returned Check Charge: A $30.00 charge will be assessed when a check submitted for payment on the account is returned
• Card Replacement Fee: $6.00 for each replacement card you request.

Your variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. Your rate is based on Prime, plus a margin of 2% – 15%. The margin is based on your credit qualifications.

You should put the amount you make before taxes, your gross income amount.

We determine it based on your credit score, income level, and ability to borrow. We try to find a limit that makes the most sense for you.

Your daily periodic rate is your annual rate that you qualify for, divided by 365.

Your balance transfer rate will be 3% less than your purchase rate.

Your minimum monthly payment will be 3.0% of your outstanding balance (“New Balance”) or $20.00, whichever is greater.

Use the Card On/Off feature in Mobile and Online Banking. Simply tap the button to turn your card to the off position.

For security purposes, we do not have access to PINs. If you have forgotten your PIN, please call our Card Services department to reset the PIN. Then you will need to call the activation line at 866-599-5617 and select option 1 to activate and set a PIN.

Yes, please notify us when you are traveling so that we can put a travel note on your account. Please ensure we have a good phone number so Visa’s Fraud Prevention system can reach you to confirm or deny any purchases that seem out of the ordinary.

If you know the old PIN, you can change it by calling 866-599-5617 and select option 3 to change the PIN.  If the existing PIN is not known, you will need to call the credit union to have Card Services reset the card. After the card is reset call the activation line at 866-599-5617 and select option 1 to activate and set a PIN.

Call Card Services at 503-220-2592 immediately to block all transactions for the card. If you have our Mobile Banking app you can use the Card On/Off service to immediately block your card until you are able to talk with Card Services.