A Guide to Opening Your First Credit Card
As a young adult you might be wondering how to apply for and get a credit card.
Please login to Online Banking to apply. If you do not have Online Banking, please click here to apply.
Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.
If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.
You can also qualify for membership by being a family member of a current or potential Listerhill member.
With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.
If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Services & Settings link (gear symbol) at the top right of the page. Then, under Online Accounts, click Add Account, fill in your card number, add a nickname, and then select Credit Card under Account Type. Then hit Add Account(s).
It should take no longer than one (1) business day for your new card to appear in Online Banking.
(Don't have Online Banking? Go here to sign up.)
Once your card appears in Online Banking in the All Accounts / Money I Owe section, click on the account and then click Get Info from the menu. This will take you to the Account Home for your credit card. Here, you can sign up for eStatements, make a payment on your credit card, or view your transactions. To set transaction alerts, enable travel notifications, or report a lost or stolen card, please use our new cards app. Please go here for more information.
From Account Home, click the Rewards link on the right to review your Cash Rewards info. Then click on the cashbackmall link to go directly to the site where you can choose how you wish to redeem your Cash Rewards (deposit to your Listerhill account or apply to your statement).
You can begin redeeming your Cash Rewards as soon as you have a balance over $5 available in your Rewards account! You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings Account.
The easiest way to redeem your Cash Back Rewards is to log into Listerhill’s Online Banking and click the “Get Info” link to the right of your credit card information. This will take you to our credit card servicing site within the same window.
Please call us at 800-239-6033 to speak with one of our representatives.
Cash Back Rewards are not transferrable. Cash Back Rewards may be redeemed and transferred between accounts through Online Banking as rules apply.
Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.
Cash Back Rewards are available for Signature Rewards and Keystone Signature credit cards. These cards require a limit of $5,000 or greater.
Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.
How To Report Fraud
If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.
How To Report A Lost Or Stolen Credit Card
Immediately call 1-888-918-7819.
Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.
Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money.
Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.
No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.
Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.
Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.