Many major credit card companies may still approve you for a low credit line with a very high interest rate (20%+). We review multiple qualifying factors including, but not limited to, your credit profile, income, and debt-to-income ratio to help you find the right card. Our SunWest Secured Mastercard® is an easy solution to gain credit experience or rebuild your credit because it’s typically an instant approval.

Your card expires the last day of the month printed on your card. We automatically send a replacement card in the mail the first week of the month the card is set to expire, and most are delivered within 7-10 days of being mailed. Keep an eye on your mail, and call us if you haven’t received your card within 7 days of expiration.

Yes, you can withdraw cash directly from your SunWest credit card. Keep in mind that cash advances begin accruing interest on Day 1, versus purchases which have a 30-day grace period.

We currently only offer instant issuance for debit cards. Credit cards are mailed and typically received within 7-10 business days. We can expedite card shipping upon request for a fee of typically $25, or $10 if shipped to a SunWest branch for pickup. Fees can fluctuate. Please call us at 602.866.1100 for expedited shipping timeframes and exact fee amount.

To report your credit or debit card as lost or stolen, call us 24/7 at 833.933.1681 or internationally at 812.647.9794. You should receive your replacement in the mail within 7-10 business days.
If card is lost while out of the US, a replacement card may be able to be sent as an exception.

The fee can vary depending on vendor pricing and is typically between $45.00-$65.00. An address and member verification is required. Please call us at 602.866.1100 if you need a card replacement outside of the US.

Yes, you can use your SunWest credit cards internationally at any merchant or retailer that accepts Mastercard®. Please be aware that the foreign transaction fee for international charges is 1.10% of the transaction amount.

A debit card draws money from your checking account, and the money must be in the checking at the time of use. A credit card draws money from a credit line provided by your credit union or bank, and you pay it back later.

Transaction disputes and fraud claims can be submitted in person at any of our 8 locations or over the phone at 602.866.1100.

Transaction disputes and fraud claims can be submitted in person at any of our 8 locations or over the phone at 602.866.1100.

Closing any credit line will most likely negatively impact you and reduce your score. This is because your credit utilization rate (the amount of credit you have available versus how much you owe) will decrease.

However, as long as your other credit obligations show positive payment history, your score will most likely bounce back quickly.