How
long will it take to process my application?
In most cases, it takes 7-10 days. However, it may
take up to 30 days to process your application.
What do I receive when my account
is approved and opened?
In three separate mailings, you will receive:
- Your 1-2-3 REWARDS® MasterCard®(s)
with your Credit Card Agreement and Pricing Addendum;
- A PIN mailer informing you
of your 4-digit PIN which you can use to obtain
cash at ATMs;
- Your 1-2-3 REWARDS® MasterCard® Welcome
Pack.
Do I have to activate my card?
Yes, your account becomes active once you call
1-888-313-5464 from
your home phone (not a cell phone) to confirm receipt.
You will not be able to use your new card(s) until you
make this call and confirm receipt of your card(s).
Can I have a second cardholder
on my account?
You can have additional authorized users, (not joint account holders) with cards, on your account. Your additional authorized user will share your credit limit and you’ll be responsible for all their transactions. We’ll only take instructions from you, the principal cardholder, but we can give out information to the other cardholders on your account. Please keep in mind that you will need to call to activate your additional cardholders cards.
I haven’t received my
card yet – who do I contact?
If you haven’t received your 1-2-3 REWARDS® MasterCard® within
30 days, please call us at 1-888-954-6767.
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Using
your 1-2-3 REWARDS® MasterCard®
Can I transfer my balance from
more than one of my existing cards?
Yes, you can transfer balances from other Credit and
Store Cards, up to your credit limit and so long as
each balance transfer request is over $100.
Does transferring a balance automatically
close my other account?
No, you must contact the card company in writing.
Can I use my 1-2-3 REWARDS® MasterCard® to
pay monthly bills automatically?
Yes, monthly bills (such as membership dues, utilities,
cell phone service, internet service, cable TV, subscriptions)
can be paid automatically with your 1-2-3 REWARDS® MasterCard®.
Just call your providers directly to set up these automatic
payments, and to find out details on making payments with a credit card.
Save yourself the hassle of mailing multiple checks and keeping track of all those due dates, and you earn reward points because those payments count as purchases! These automatic payments are a great way to make your Reward points add up fast – and you’ll only have to make one payment each month to your 1-2-3 REWARDS® MasterCard® account.
How do I get cash with a 1-2-3
REWARDS® MasterCard®?
You need a Personal Identification Number, or PIN,
that we assign when we open your account. To request
a PIN for an existing account, call Customer Service
at 1-888-257-6437.
You can obtain a cash advance
at any ATM that accepts MasterCard® – just
like you would use a regular ATM card. Also, some
banks that accept MasterCard® will
give you a cash advance at the teller window.
Cash advances are calculated at
the APR disclosed in your Credit Card Agreement from
the transaction date (there is no grace period on interest and you will pay a cash advance fee and finance
charge). Cash advances do not earn 1-2-3 REWARDS® points
and cannot exceed the cash limit as shown
on page one of your statement.
What if I forget my PIN?
If you do not remember your PIN, you should call Customer
Service to request a new, randomly selected PIN.
For security purposes, Customer Service does not
issue the PIN to you over the phone. You should
receive your new PIN within 7 to 10 business days
of your request.
How can I make a name change
to my account?
If you would like to make a name change on your account
please mail us a signed letter (printed or typed) to
Customer Service that includes your account number,
old name, new name, signature, and the reason for the
change.
For name changes, the cardholder must provide legal documentation. Send your request and documentation to:
1-2-3 REWARDS® MasterCard® Customer
Service,
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
How do I make a phone number
or address change?
Simply call Customer Service at 1-888-257-6437.
Can I use my card on the Internet – and
is it safe?
Yes, you can use your card on any site that accepts MasterCard®.
And your details will be safe as long as you’re
using a secure website. Please verify with your vendor (i.e. internet service provider, website administrator, etc.) on the security measures of their website.
What should I do if I have
a problem with a purchase, such as a damaged product
or non-delivery?
In order to preserve your legal rights, we must receive
a written notification from you within 60 days after
we mailed you the first statement containing your purchase
transaction. The notice must include your name, address,
account number, description of the problem with your
purchase and copies of documents supporting your claim.
Please mail your notice to us at:
1-2-3 REWARDS® MasterCard® Customer
Service,
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
We will try to help resolve the
issue.
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1-2-3
REWARDS®
How do I earn 1-2-3 REWARDS® points?
Here's how you earn1-2-3 REWARDS® points*:
- 1 point per $1 spent outside our stores anywhere MasterCard® is accepted
- 2 points per $1 spent in the Kroger Family of Stores
- 3 points per $1 spent on Kroger Family of Brands Products
(Please note there is a slight delay in Kroger Family of Brands points posting to your account.)
* Fuel Center purchases and other restrictions may apply. Please refer to the Credit Card Agreement that you received with your 1-2-3 REWARDS® MasterCard® for details.
Are there any Kroger Family of Brands Products on which I can earn only two 1-2-3 REWARDS® points per $1 spent?
These products earn 2 points:
Corporate Brands Beer, Wine, and Liquor
Corporate Brands Cigarettes and Tobacco
Banner Brands Pharmacy
Kroger Family of Stores and Banner Brands Gift Cards
Random Weight Corporate Brands Products, such as deli meat and cheese
Office Services – includes Stamps, Tickets, etc.
Other Products and/or Services as prohibited by law and/or at 1-2-3 REWARDS® discretion
What are 1-2-3 REWARDS® points worth?
For every 1,000 points you earn, you’ll receive a $5 1-2-3 REWARDS® Certificates mailed each quarter. Please refer to the Credit Card Agreement that you received with your 1-2-3 REWARDS® MasterCard® for details.
How often will I receive a 1-2-3
REWARDS® mailing?
1-2-3 REWARDS® Certificates are issued
four times a year and mailed to customer in February, May, August, and November. You will receive a 1-2-3
REWARDS® Certificate for every 1,000 points
earned. Remaining points, less than 1,000, will roll
over into the next cycle.
Where can I use my 1-2-3
REWARDS® Certificates?
You can redeem your 1-2-3 REWARDS® Certificates
at any of Kroger’s Family of Stores.
How long do I have to redeem
my 1-2-3 REWARDS® Certificates?
Your 1-2-3 REWARDS® Certificate must
be redeemed within one year of the date on the certificates.
Can I redeem my 1-2-3
REWARDS® Certificates for cash?
1-2-3 REWARDS® Certificates have
no cash value and may only be used to purchase selected
merchandise at the Kroger Family of Stores.
Purchases must exceed the value of your
1-2-3 REWARDS® Certificates, as we cannot give you cash back.
Are my 1-2-3 REWARDS® points
affected when I return merchandise?
Because you earn 1-2-3 REWARDS® points for purchases,
the points you earned for a purchase you
return will be subtracted from your point total.
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1-2-3 ONLINE™
What is 1-2-3 ONLINE™
1-2-3 ONLINE™ is a
FREE service that gives you the convenience and flexibility
to manage your 1-2-3 REWARDS® Mastercard® account
online. You can log on from any computer, anywhere
in the world and pay your bill, view transactions,
view your account information and view/download
transactions.
How up-to-date is my account
information online?
Your current balance and
available credit are updated on the next business
day.
How secure is 1-2-3 ONLINE™?
It's a totally secure website
and only you have access to your account information.
Create your own password and username - and keep them
private. Also make sure you log off immediately after
every use.
Can I use 1-2-3 ONLINE™ when
I'm traveling?
Yes, you can access the
service from any internet connection.
Can I still receive my statements
by mail?
Yes. 1-2-3 ONLINE™ is simply a feature designed to make using your 1-2-3 REWARDS® Mastercard® even more convenient.
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Loss, Fraud & Misuse
We strongly advise that you never
write down or tell anyone your 1-2-3 REWARDS® MasterCard® PIN
number.
What should I do if my 1-2-3
REWARDS® MasterCard® is
lost or stolen?
If your card is lost or
stolen, or if you suspect that someone has obtained
access to your account, immediately call 1-2-3 REWARDS® MasterCard® Security
anytime at 1-888-354-5464.
Customer Service will cancel the
account and issue a new card immediately. You are
not responsible for any transaction resulting from
a lost or stolen card once you have notified us.
Your 1-2-3 REWARDS® MasterCard® point balance
will be transferred on to your new card.
If a payment appears on my
statement that I did not authorize or I’m
unsure about something on my statement – what
should I do?
If you don’t recognize a transaction on your statement,
let us know immediately. If you have eliminated all
possibilities, such as a telephone or mail order transaction,
or perhaps one made by your additional cardholder,
we will investigate and get back to you as soon as
possible. Call us immediately at 1-888-354-5464.
In order to preserve your legal
rights, we must receive written notification of the dispute from
you within 60 days after we mailed you the first
statement containing your purchase transaction. The
notice must include your name, address, account number,
description of the problem with your purchase, and
copies of documents supporting your claim. Please
mail your notice to us at:
1-2-3 REWARDS® MasterCard® Customer
Service,
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
We will try to help resolve the
issue.
What happens if my 1-2-3
REWARDS® MasterCard® is
lost or stolen when I’m on vacation/holiday?
Call us at 1-888-354-5464. If you
are abroad, you can also report the loss to MasterCard® directly
or to any bank displaying the MasterCard® logo
and confirm the loss to us immediately upon your return.
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1-2-3 SECURE™
The 1-2-3 SECURE™ feature of your card provides online security to help prevent fraud on your account. It has been developed in conjunction with MasterCard® SecureCode™ to reduce fraudulent online purchases. For a list of participating merchants visit www.mastercard.com.
How does 1-2-3 SECURE™ work?
1-2-3 SECURE™ is an extra layer of security that
verifies that the actual cardholder is making an online
purchase at participating merchants. It does this by
confirming a SecureCode™ password chosen by and
known only to the cardholder.
What does 1-2-3 SECURE™ cost?
1-2-3 SECURE™ is free to all 1-2-3 REWARDS® MasterCard® account
holders.
How do I enroll for 1-2-3 SECURE™?
You have two options:
You can click
here.
Or
Follow the prompts that appear when
you make your first three purchases using your 1-2-3
REWARDS® MasterCard® at participating merchants.
You will be asked to select your personal
SecureCode when you enroll. When you make your online
purchase, we send a pop-up, message to your computer,
prompting you to enter your SecureCode™. 1-2-3
SECURE™ then confirms your SecureCode™ and
your transaction is complete.
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PaymentCaresm
Why should I enroll in PaymentCare?
Life has its ups and downs. When you can’t make your
1-2-3 REWARDS™ MasterCard® payment, PaymentCare will!
This will save you from late fees and protect your
credit standing.
What does PaymentCare cover?
By enrolling in the optional PaymentCare program,
you will receive the following benefits:
Life Events
PaymentCare cancels the Minimum Payment owed
on your account for one month if you get married, adopt
a child, retire from your principle employment, graduate
from an accredited 4-year college or university or
move to a new primary residence
Involuntary Unemployment
PaymentCare cancels the Minimum Payment owed
on your account for a maximum of 12 months if you become
involuntarily unemployed (layoff, employer termination,
generalized strike, unionized labor dispute or lockout)
for at least 30 consecutive days.
Family Leave of Absence
PaymentCare cancels the Minimum Payment owed
on your account for a maximum of 3 months if you take
an unpaid leave from full-time employment for at least
30 consecutive days due to caring for an immediate
family member with a serious medical condition, caring
for a newborn or adopted child, active military duty
due to mandatory recall or call to active duty, jury
duty, or residing in a federally declared disaster
area.
Hospitalization
PaymentCare cancels the Minimum Payment owed
on your account for a maximum of 12 months if you become
hospitalized for three consecutive nights in a calendar
month.
Military Duty
PaymentCare cancels the Minimum Payment owed
on your account for a maximum of 12 months if you receive
a mandatory recall to active military duty for at least
30 consecutive days.
Disability
PaymentCare cancels the Minimum Payment owed
on your account for a maximum of 12 months if you become
totally unable to perform the major duties of your
occupation due to a sickness or injury for at least
30 consecutive days.
Accidental Death
PaymentCare cancels your account balance in
full, up to $10,000, if you should die as a result
of an accidental injury
How much does PaymentCare cost?
During months that you have an account balance, your
monthly fee is 79¢ per $100 of the outstanding monthly
balance on your account. This fee is automatically
included on your billing statement each month.
How do I get more information
about PaymentCare?
Simply call 1-800-358-0966 for more information.
How do I enroll in PaymentCare?
Call 1-888-257-6437 to apply today!
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Bill Payment
How often will I need to pay
my bill?
Once a month, after you’ve received your statement,
you can choose to pay the minimum payment due or any
other amount you want – up to the full balance.
How is my minimum payment calculated?
If your New Balance is $10 or less, your Minimum Amount Due will be the New Balance. Otherwise, it will be the greater of (i) $10; or (ii) equal to the total billed Finance Charges (excluding Balance Transfer Fees, Cash Advance Fees, and Foreign Transaction Fees), and any billed Late Payment Fees, Returned Check Fees, Over the Credit Limit Fees, and 1% of the New Balance. Any amount past due and any amount over your Total Credit Limit or Cash Credit Limit may be added to the Minimum Amount Due. Your Minimum Amount Due, exclusive of Finance Charges, will be rounded to the nearest whole dollar.
How can I make a payment?
Enroll into 1-2-3 ONLINE™ to pay your bill online!
Click here, it's quick and easy to do and gives you the flexibility
to pay from more than one account. Online payments made before 3:00 P.M. Eastern Time on business days (Monday through Friday) will be applied to your account that day. Any payment made after 3:00 P.M. Eastern Time or on the weekend will be applied to your account the next business day.
Enroll in AutoPay, our convenient service that allows your payments to be made automatically from your bank account. It’s hassle free with no checks to write and mail in plus never worry about missing a payment. To enroll in AutoPay click here or call Customer Service at 1-888-257-6437 for more information.
Or simply fill out and mail the
remittance portion at the top of your statement along
with a check made payable to: Kroger Personal Finance. Please
do not send cash. Allow 7-10 business days for your mail time and for your payment to post to your account.
You can also call 1-888-257-6437 to make a payment by phone, either with our automated service or with a Customer Service Representative. There is a fee for this service.
When are payments posted?
Payments received at the Bank’s payment processing center (address on your Account Statement) before 2:00 p.m. Eastern Time on any business day, together with the return portion of the Account Statement, will be credited by the Bank on that day. Our business days are Monday through Friday excluding Federal holidays. Payments received on non-business days will be processed on the next business day and Finance Charges continue to accrue.
What if my payment is late?
If your payment does not post by the Payment Due Date specified on your statement, we will apply a late payment fee to your account. Please refer to the Credit Card Agreement that you received with your 1-2-3
REWARDS® MasterCard® for
details.
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Rates & Charges
Is there an annual fee?
No.
Will the interest rate stay
the same?
This is a variable rate account and your APR will vary based on the value of the Prime Rate. Your APR may change monthly if there is a change in the Prime Rate.
How do you calculate my interest?
Interest accrues on purchases, balance transfers and
cash advances from the date of the transaction;
however, you have an interest-free grace period
on purchases, only if you pay your entire New Balance
in full each month, on or before your payment due
date. There is no grace period for balance transfers
or cash advances, even if the New Balance is paid
in full each month.
Will I pay a finance charge
on purchases if I pay the balance in full every
month?
No you won’t. There is a grace period for purchases.
Do I get charged a fee for
cash advances?
Yes – up to 3% of the amount advanced, but not less than $10; the greater of $20 or 5% of the transaction for certain Cash Equivalent Transactions.
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Definitions
What is an ATM?
ATM stands for Automated Teller Machine. ATMs are cash
machines that allow you to withdraw cash using
your card when you enter your PIN number.
What is a PIN?
A PIN (Personal Identification Number) is a four-digit
code known only to you. It allows you to obtain
cash advances from ATMs. We strongly recommend
that you never give your PIN to anyone else.
What does variable rate mean?
If your Standard Rates are variable, your Standard Rates may vary monthly and will be reset on the first day of each billing cycle by adding an index (“Index”) to a margin for each feature. The Index is the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of that billing cycle or two days prior to the closing of that billing cycle, whichever is higher.
What is a Prime Rate and how
is it figured?
The Prime Rate is one of the key lending rates used
by financial institutions in the United States. The
Prime Rate is published daily in the “Money Rates” section
of The Wall Street Journal.
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Useful Numbers & Addresses
Customer Service:
1-888-257-6437 – for
callers with an account number
1-888-954-6767 – for callers
who do not yet have an account number
Live operators are available:
Monday - Friday: 8 a.m. – 11 p.m.
EST
Saturday & Sunday: 8 a.m. – 11 p.m. EST (Closed
some holidays)
Alternatively, write to us, quoting
your account number if you already have one, at:
1-2-3 REWARDS® MasterCard® Customer
Service,
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
Bill Payments:
c/o Kroger Personal Finance
P.O. Box 42010
Providence, RI 02940-2010
Lost or Stolen Cards:
Call us anytime at: 1-888-354-5464
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