Apply for card| FAQs
BACK
CARD BENEFITS AND REWARDS
Card Questions
Who is the issuer of my Card?
Does the Card have an annual fee?
Can I add a family member to my Account?
Can I pay my bill online?
Can I use my Card to automatically pay my monthly bills?
Can I access cash with my Card?
Does my Card require that I pay my balance in full each month?
How do I redeem my Rewards?
REGISTRATION AND LOGIN
Registration
How do I register for online credit services?
What information will I need to register for online account access?
Why do I need to enter personal information on the registration page?
Is the information that I enter secure?
Login Instructions
How do I login to manage my Universal Card online?
How do I change my password?
What should I do if I forget my password?
 
SECURITY AND TECHNICAL INFORMATION
Security
What is SSL?
What is a "secure session" and how does it help keep my information safe?
How can I tell when my connection is secure?
What should I do when I have finished viewing my account information?
Technical Information
What are the Internet browser requirements?
What Internet browsers are compatible?
Are there any scheduled times when the Online Credit Center is unavailable?
 
Web Page Issues
What should I do if I am having difficulty viewing my account information online?
 
ACCOUNT MANAGEMENT
 
Account Activity
How do I view my current statement online?
How do I view previous statements?
How long will it take before my statements are available online?
Will I still receive a printed statement?
How do I view and print my past account activity?
How do I dispute a charge?
Payments
What options do I have to pay my bill?
Where can I mail my payments?
Can I make payments online?
What information will I need to make an online payment?
Where can I find my checking account number and bank routing number?
How can I update/change my checking account number and/or bank routing number?
What amount(s) can I pay online?
Can I make a payment immediately after enrolling?
Can I make a recurring payment online?
How long does it take for an online payment to post to my account?
How can I find the status of my online payment?
What should I do if my payment has not been posted?
How can I inform you of a recent payment I made or will be making?
Can I stop an online payment?
What do I do if a payment was posted on my account in error?
 
Updating Personal Information
How do I update my mail address, email address and/or phone number?
How can I make a legal name change on my account?
 
Authorized Users
What is an authorized user?
How do I add an authorized user to my account?
How do I remove an authorized user from my account?
 
Replacement Cards
What should I do if my credit card has been lost or stolen?
What should I do if my credit card has been damaged or misplaced?
 
Download to Quicken or Money
How can I download account transactions to my personal computer?
What software can I download transactions to?
 
CONTACT US
By Phone
By Mail
 
 

CARD BENEFITS AND REWARDS back to top

Card Questions back to top

Q: Who is the issuer of my Card? back to top

A: Your Card is issued and serviced by GE Capital Retail Bank.

Q: Does the Card have an annual fee? back to top

A: No. Your Card has no annual fee.

Q: Can I add a family member to my Account? back to top

A: You can add authorized users to your account and you’ll even earn points on their spending too! Just remember that the primary account user is responsible for purchases made by an authorized user. Call customer service at 1-866-913-4282, 24 hours a day, 7 days a week or visit www.gemoney.com/universal to add an authorized user today!

Q: Can I pay my bill online? back to top

A: Yes. There’s no additional fee, and you can stop getting paper statements!

Q: Can I use my Card to automatically pay my monthly bills? back to top

A: Yes. Contact your service providers to have your monthly bills automatically paid - including electric, cable TV, Internet and more.

Q: Can I access cash with my Card? back to top

A: Yes, you can. There are over 800,000 ATMS worldwide where you can withdraw cash using your Card. Please note, Cash Advances are subject to the rates and transaction fees disclosed in your cardmember agreement.

Q: Does my Card require that I pay my balance in full each month? back to top

A: Your Card lets you pay in full or carry a balance. It’s your choice.

Q: How do I redeem my Rewards? back to top

A: Visit www.gemoney.com/universal and you can keep track of your points and redeem them for exciting rewards. Or you can call the rewards redemption center at 866-407-0874.

REGISTRATION AND LOGIN  back to top

Registration  back to top

Q: How do I register for online credit services? back to top

A: You may sign up for online credit services by clicking Not Registered? on the Credit Services page. You will be required to complete the online registration form before accessing your account information.

Q: What information will I need to register for online account access? back to top

A: You will need the following information to register your account:

·Account Number
·Access Code
·Mother's Maiden Name
·Date of Birth
.Last Four Digits of SSN
·Valid Email Address

Q: Why do I need to enter personal information on the registration page? back to top

A: We require you to provide us personal information at registration to protect your account from unauthorized access.

Q: Is the information that I enter secure? back to top

A: Yes, we use 128-bit SSL encryption, the industry standard, to help protect your account information from unauthorized access. You can verify you are on a secure site by looking at the URL address bar and noting https:// and by seeing a lock image at the bottom right hand side of your browser.

Login Instruction  back to top

Q: How do I login to manage my Universal Card online? back to top

A: Go to www.gemoney.com/universal. Once there, enter your user id and click the "Login" button. You will be prompted for your password. You will also see your personalized image to verify your are on our website.


Q: How do I change my password? back to top

A: Choose the Reset Password link on the main menu page.

Q: What should I do if I forget my password? back to top

A: Choose the Reset Password link on the main menu page.

SECURITY AND TECHNICAL INFORMATION  back to top

Security  back to top

Q: What is SSL? back to top

A: SSL is an abbreviation for Secured Socket Layer. SSL technology secretly encodes (or encrypts) information as it is being sent over the Internet between your computer and GE Capital Retail Bank's systems. This encryption technology helps ensure that your account information travels securely over the Internet and remains confidential.

Q: What is a "secure session" and how does it help keep my information safe?  back to top

A: During a secure SSL (Secured Socket Layer) session, data traveling between your computer and GE Capital Retail Bank's systems is secured using 128-bit encryption technology. This SSL technology secretly encodes your information to create a private conversation that only your computer and GE Capital Retail Bank's systems can understand.

Q: How can I tell when my connection is secure? back to top

A: You can verify you are on a secure site by looking at the URL address bar and noting https:// and by seeing a lock image at the bottom right hand side of your browser.

Q: What should I do when I have finished viewing my account information? back to top

A: When you have finished using the Online Credit Center, make sure you close/exit the Internet browser. This will decrease the possibility of anyone viewing confidential account information.

Technical Information back to top

Q: What are the Internet browser requirements? back to top

A: To login to the Online Credit Center you need a browser which is 128 bit SSL-compliant. You will notice an unbroken key or lock at the bottom of the page.

Q: What Internet browsers are compatible? back to top

A: We recommend using Internet Explorer 4.0 or higher or an Internet Explorer compatible browser. For AOL users, use either the 5.0 or 6.0 AOL client for PC?s.

Q: Are there any scheduled times when the Online Credit Center is unavailable? back to top

A: Our web server may be down for maintenance purposes daily between midnight and 6:00 AM Eastern Time.

Web page Issues back to top

Q: What should I do if I am having difficulty viewing my account information online?  back to top

A: Please contact our customer service department and notify them of any problems you are experiencing in viewing your account information. Please call 1-866-913-4282, 24 hours a day, 7 days a week.

 

ACCOUNT MANAGEMENT  back to top

Account Activity  back to top

Q: How do I view my current transactions online? back to top

A: To see your current transactions, choose the View Recent Activity link on the Statements page.

Q: How do I view previous transactions? back to top

A: To see your previous transactions, choose the View Prior Billing Transactions link on the Statements page.

Q: How long will it take before my statements are available online? back to top

A: Statements will be available online approximately one day after your account billing cycle date.

Q: Will I still receive a printed statement? back to top

A: Yes.

Q: How do I view and print my past account activity?back to top

A: You may view and print a listing of the last 3 months of activity on your account. This includes purchases, payments, returns and interest charges. Please click the View Prior Billing Transactions option on the Statements page to access this information.

Q: How do I dispute a charge? back to top

A: You can dispute a charge by clicking the Dispute a Charge option on the Customer Service page.

Payments  back to top

Q: What options do I have to pay my bill?back to top

A: Payments can be made by mail, over the phone by calling customer service at 1 (866) 913-4282 (this is a fee-based service), by electronic payment (through banks, online service providers and the Online Credit Center site).

Q: Where can I mail my payments? back to top

A: You can send your payments to the following address:
Universal
PO Box 981155
El Paso, TX 79998-1155
Make checks payable to Universal Card

Please note: If you mail us your payment and it is not accompanied by the remittance coupon attached to your paper statement and is not received in the remittance envelope provided, the crediting of your payment may be delayed by up to five days after receipt.

Q: Can I make payments online? back to top

A: Yes. For your convenience, you can make your Universal Card payment online by clicking the Make A Payment option on the Payments page or you can pay your Universal Card bill online using your bank or an online service provider.

Q: What information will I need to make an online payment? back to top

A: You need to have your bank routing number and checking account number. In addition, your checking account needs to be from a U.S. financial institution drawn on U.S. funds.

Q: Where can I find my checking account number and bank routing number? back to top

A: You can find this information on the bottom of your check. Please click "Check" to view a sample

Q: How can I update/change my checking account number and/or bank routing number? back to top

A: Please click the Add, Edit or View Bank Information option on the Payments page.

Q: What amount(s) can I pay online? back to top

A: You may choose one of the following four options:
1.) Total Minimum Payment Due - This is the amount you must pay in order to avoid a late payment fee.
2.) Last Statement Balance - This is the balance reflected in your previous statement (previous balance minus payments and adjustments plus transactions and interest charges).
3.) Current Balance - This would include all transactions since your last payment.
4.) Other - Any amount up to your current balance.

Q: Can I make a payment immediately after enrolling? back to top

A: Yes. You can make a payment immediately provided it is not greater than your current balance.

Q: Can I make a recurring payment online? back to top

A: No. At this time, our online payment service cannot accept recurring payments.

Q: How long does it take for an online payment to post to my account?back to top

A: Future scheduled payments will be posted to your account on the scheduled payment date.  Online Payments made and scheduled for today (same day payments) will be noted on the account immediately and will be credited as of today's date, but  may take up to 2 days to appear on your account.

Q: How can I find the status of my online payment?back to top

A: To find out the status of your online payment, click Payments.

Q: What should I do if my payment has not been posted?back to top

A: You can notify us online. Simply click the Payment Not Posted link on the Payments page as well as the Customer Service page.

Q: How can I inform you of a recent payment I made or will be making?back to top

A: You can inform us about the payment you sent or will be sending online by clicking the Inform Us Of A Payment link.

Q: Can I stop an online payment? back to top

A: Yes, but only if your online payment is pending or has not been processed. Please click the View Online Payment History option on the Payments page.

Q: What do I do if the payment amount posted to my account is incorrect?back to top

A: If your statement shows that your payment was received, but it is for a different amount than you sent, please send information verifying this error to the following address:

Universal
PO Box 981155
EL Paso, TX 79998-1155

The verification information should show the difference charged to your account. Upon receipt of this information, we will give this matter our immediate attention.

Updating Personal Information  back to top

Q: How do I update my mail address, email address and/or phone number? back to top

A: Select the "Update Personal Information" link on the Customer Service page. This service may not be available to all cardholders.

Q: How can I make a legal name change on my account? back to top

A: To expedite your request to change the name on the account, we will require a copy of the legal document which confirms the change. Please be sure to send only a copy of the document, not the original, as we do not return the document. Once we receive the supporting document, we will complete the requested name change. Please send correspondence to:

Universal Card Customer Service
PO Box 965004
Orlando, FL 32896-5004

Authorized Users  back to top

Q: What is an authorized user? back to top

A: An authorized user is anyone whom the primary account holder has authorized to make purchases and is listed on the account as an authorized user. An authorized user cannot close the account, request account information or make changes to the account. The primary user is responsible for any charges that the authorized user makes on his/her account.

Q: How do I add an authorized user to my account? back to top

A: In order to add an authorized user to your account, click the Add Authorized User link on the Customer Service page.

Q: How do I remove an authorized user from my account? back to top

A: Call our customer service department at 1-866-913-4282,24 hours a day, 7 days a week. Please remember to retrieve any card(s) not in your possession. Please note the primary cardholder is responsible for all charges made by the authorized user(s).

Replacement Cards  back to top

Q: What should I do if my credit card has been lost or stolen? back to top

A: You can report your card lost or stolen online. Simply click the Report Card Lost or Stolen link on the Customer Service page. After reporting your card lost or stolen, please review your account for any purchases you did not make. If you see any unauthorized charges, please call our Customer Service department at 1(866) 913-4282 Monday through Thursday 10:00 AM to 10:00 PM, Friday 10:00 AM to 11:00 PM, Saturday 10:00 AM to 10:00 PM, and Sunday 11:00 AM to 8:00 PM Eastern Time.

Q: What should I do if my credit card has been damaged?back to top

A: You can request a replacement card online. Simply click the Replacement Card Request link on the Customer Service page.

Download to Quicken or Money  back to top

Q: How can I download account transactions to my personal computer? back to top

A: You can download account transactions to your personal computer by clicking Download to Quicken or Money on the Statements page.

Q: What software can I download transactions to? back to top

A: You can download account transactions to Quicken, QuickBooks, Microsoft Money and Microsoft Excel.

CONTACT US  back to top

Q: By Phone ? back to top

A: Please call our customer service department at 1-866-913-4282, 24 hours a day, 7 days a week

Q: By Mail ? back to top

A: Please mail general inquiries to the following address:

Universal
P.O. Box 981284
El Paso, TX 79998-1284

 
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