Payment Card Protection

Protect all your: credit, debit, and ATM cards in the event of loss or theft. You can even register gift/reloadable cards (any card that can be used to make purchases). And, you're able to register cards from any financial institution and the cards of a joint member on your enrolled account. As a Fraud Protection Plus member, you'll feel more secure knowing that 24 hours a day, you can: cancel your cards, stop unauthorized purchases, and request new cards... all with one toll-free phone call! Even better, you are covered for any liability for which the issuer holds you responsible. Please note: GECU credit, debit, and ATM card holders are not liable for any fraudulent charges made to their account.

Important Emergency Features:
If your cards are lost or stolen, and you're more than 50 miles away from home, you may also request these services when you call to report your missing cards:

• Emergency Cash - Obtain up to $300 is cash to help you out in a pinch. Pick-up your cash at over 245,000 Western Union locations in 200 countries.

• Emergency Airline Tickets - If theft or loss leaves you without cash or credit cards, you can receive an airline ticket to get home.

• You will be invoiced within 30 days of your request only for the amount of the cash advance and/or cost of an airline ticket and prepaid ticket fee. No other service charges apply.

Using Your Benefit is Easy:

1. List the cards you want to protect (can be from any financial institution) on the Payment Card Registration Form found in your Fraud Protection Plus membership booklet (you receive this booklet when you enroll in the program).

2. Mail the form to the Fraud Protection Plus Member Service Center using the the return envelope (provided when you enroll in Fraud Protection Plus). Or, enclose the form in a stamped envelope and mail to: Member Service Center, P.O. Box 121619, Nashville, TN 37212-1619.

3. If a joint member would like to enroll in Payment Card Protection, please contact Fraud Protection Plus Member Services at: 800.251.2311, Monday - Friday 8 a.m. - 9 p.m. EST to request an additional registration form.

4. You'll receive a confirmation kit in four to six weeks. The kit includes a list of your registered cards, an update form, warning stickers for your cards, and stickers with the phone number to report missing cards.

5. To report lost or stolen cards, call the Payment Card Protection Member Service Call Center 24 hours a day, 365 days a year, at: 1.800.251.2690. To call from outside the United States, Canada, Guam, Puerto Rico, or the Virgin Islands, call 614.823.5161. Within 24 hours, your cards will be cancelled and replacements will be requested.

6. To add cards or update your registration, call the Payment Card Protection Member Service Call Center, or complete and mail-in your update form. You may register any number of cards and joint cards, from any financial institution, and update them as often as you wish.

7. If you are held responsible for unauthorized charges, send copies of your credit card bills to the Payment Card Protection Member Service Center. Once information is verified, you will receive a check for the full amount of your liability.

>>Back to Fraud Protection Plus

For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss or theft, and if the credit card contains a way of identifying the cardholder or authorized user, then your liability for fraudulent charges made to your account before the card issuer is notified is up to $50 for each card. Please note: GECU credit card holders are not liable for any fraudulent charges made to their account.

For debit and cash-machine cards: Your liability for fraudulent use of your cards is up to $50 if you notify the card issuer of the loss or theft of the card within two business days after learning of the loss or theft of the card. After that, your liability is up to $500 for each card. Or, if you do not notify the card issuer within 60 days of receipt of a monthly statement showing unauthorized transfers, then your liability for each card is up to the total amount of unauthorized transfers that occurred after the 60-day period and before notice, provided that the card issuer establishes that the unauthorized transfers would not have occurred if you had notified the card issuer within the 60-day period. You may also be liable for up to $50 or $500 for each card as described above, as applicable. Please note: GECU debit and ATM card holders are not liable for any fraudulent charges made to their account.

Fraud Protection Plus is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history, or rating. Fraud Protection Plus is a service provided by Affinion Benefits Group, LLC, in conjunction with Financial Service Association. Fraud Protection Plus service may be modified or improved at any time without prior notice. Affinion Benefits Group, LLC and Financial Services Association are both separate entities and not affiliates of General Electric Credit Union. General Electric Credit Union disclaims any liability for services provided by Affinion Benefits Group, LLC and Financial Services Association.