Can I apply for a card without a credit history in the U.S.?

• Yes. But instead of checking the credit history, we verify your information from your home country, such as the length of employment with your company, the earnings in both your home country, as well as the U.S., contact address in your home country or the U.S. Please understand that not all requests for credit will be approved depending on the information provided.

After I apply, how long does it take to receive my Premio Card?

• It takes approximately 3 weeks. We will notify you within 7-10 business days regarding the status of your application. Upon approval, you will receive your card along with a complete Welcome Kit and card member agreement explaining the features, benefits, and details pertaining to the use of your Premio Card.

I don't have a Social Security Number yet. Can I apply for a credit card?

• Yes you can. However, we may request substitute documents such as a copy of your passport or visa, or address verification. You can still apply even if you are not able to obtain a Social Security Number due to your visa status.

Can a card be mailed to my work address?

• Neither company name nor department name will print on the card envelope. A card can be sent to your work address if you are able to receive it without these identifiers.

I live in Mexico (or Canada). Can I apply for a Premio Card?

• No. The cardholder must be a U.S. resident.

How do I get an application form?

• Please send a request of application form using the webmail and provide us with your address and phone number. The application form will be delivered in approximately 1 week. However, we recommend you to apply online to save your time .

What is a MasterCard Business Card?

• The MasterCard Business Card is designed specially for business men/women to meet their needs. It offers superior cash management with extensive business and travel services.
  

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I have received an authorized user card. Is activation necessary?

• Activation is not necessary for an authorized user card.

Are there any fees or interest for a cash advance?

• A cash advance fee will be the greater of $15.00 or 5% of the transaction. For additional information about Annual Percentage Rates (APRs), fees, and costs, see the Summary of Credit Terms.
  
  See Premio card Summary of Credit Terms.
  

I entered the wrong PIN during a cash advance transaction and since then my card has been blocked. What should I do?

• Your card is blocked automatically if you enter the wrong PIN three times. Please contact customer service to unblock your card. If you have forgotten your PIN, we will send you a new PIN by mail.

Can I use my Premio Card outside of the US?

• You can use your Premio Card at MasterCard merchants all over the world. There is a foreign transaction fee which amounts to 3% of each transaction. Please note that the issuing bank monitors your transactions and may block your card for security purposes. Some merchants do not accept cards issued outside their country. We recommend that you inform us before you travel. For additional information about Annual Percentage Rates (APRs), fees, and costs, see the Summary of Credit Terms.
  
  See Premio card Summary of Credit Terms.
  

When I use my Premio Card, will my U.S. credit history be affected?

• Your payment performance will be reported to credit bureaus so that you can build a US credit history. This is not applicable if you have not registered a social security number.

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My balance reached my credit limit before the statement closing date and I corrently have no available credit line. What should I do?

• You may make a payment before the closing date. Once the payment is posted, your available credit will be restored to your credit limit. Click here to make an online payment.
  
  See Premio Card Summary of Credit Terms

My payment has not been processed, however it has been some time since I mailed the check. What should I do?

• If you mailed your payment, it usually takes approximately 4-5 business days to post. Please wait 10 business days and if your payment has still not posted, the payment may be lost, and therefore please call service service (1-800-552-4906).

When is my statement closing date?

• Every account has a different statement closing date. Your statement is mailed out the following business day after the statement closing date. Please contact customer service to inquire about your closing date. You can check your statements online as well.

What is "the Minimum Payment Due" on my statement?

• The "Minimum Payment Due" is the minimum amount you agree to pay by the end of the due date. If you do not pay this amount, your account status will be changed to "Past Due" and a Late Fee (up to $35) will be charged to your account. For additional information about Annual Percentage Rates (APRs), fees, and costs, please see the Summary of Credit Terms.
  
  
  See Premio Card Summary of Credit Terms
  
  

Can I make a payment by phone?

• Yes, you can pay by phone by calling customer service (1-800-552-4906). Please be aware that there is a $15 charge for making a payment via the phone that will be posted the same day that you call (or the next day if you call after 5 p.m. central USA time). However, if you use our automated phone system the fee will be waived.

The sum of my current balance and available credit is not equal to my credit line. Why?

• There may be authorized transactions which have not been posted yet. The amount will be deducted from your available credit.

My balance has not reached my credit line, however, I have no available credit. Why?

• There are several possible reasons including:
  1. There may be authorized transactions which have not been posted. The amount is deducted from available credit.
  2. The card may be blocked due to a suspicious transaction. In this case, please call customer service (1-800-552-4906) to verify that the transaction is not fraud related.

How do I request previous statements?

• Please login to your online account and reprint your statement.

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How do access my online account?

• First, you need to enroll in online account access. Then please click the "register here" button and enter the requested information.

I do not have a Social Security Number due to my visa type. Can I use Online Account Access?

• Please call customer service (1-800-552-4906) for instructions.

I forgot my login name. What should I do?

• Please select "Lost Your Password or Login Name?" on the login screen.

I forgot my password. What should I do?

• Please select "Lost your Password or Login Name?" on the login screen.

What is the procedure for online payment?

• Please select "Pay Online" and then click "Make Payment".

Will an online payment be posted on the weekend or a holiday?

• Payments will not be processed on weekends and bank holidays.

I use online payment. Do I still receive paper statements?

• Yes, your paper statement will continue to be issued monthly.

Is there a monetary limit for online payment?

• The maximum amount payable is equal to your current balance.

When will my online payment be posted?

• If the payment is made before 5pm Central Time, it will be processed on the same day (excluding Sat/Sun and holidays) and it will reflect the available credit the next business day. If it is after 5pm Central Time, it will be processed on the following day and your available credit will be reflected the next day. The actual deduction from your bank account takes approximately 2 to 4 business days.

Why has the online payment I made not posted yet.

• The bank account information that provided may be wrong, or the balance in your bank account may not be sufficient.

Can I cancel a payment I made online?

• You can cancel the payment if it is done before 5:00 pm Central Time of the day of payment.

I have closed my account but I still have a balance. Can I make a payment online?

• Yes, you can use online account access even after you have closed your account.

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How do I add an authorized user? Is there a fee involved?

• Please call customer service (1-800-552-4906) with your request. Please note that the Primary Cardholder will be liable for all transactions made on the account, including those made by any authorized user. $10 fee may occur for an additional card.

Can I use my Premio Card after I go back to my home country?

• The Premio Card cardholder must be a US resident and therefore upon your return to your home country, you should close your account. Card cancellation can be requested by phone, and the account will be closed immediately.

I would like to use my Premio Card until the last minute before I return to Japan. How do I cancel my card?

• Please call customer serivce (1-800-552-4906) when you are ready to close your account. You may call Premio customer service in Japan at 0120-500-280. Business hours are 9:00 am to 5:00 pm Monday through Friday (Japan time). We are closed on public holidays.
  
  

  Phone number	0120-500-280
  Hours	9:00 am to 5:00pm Mon-Fri

Can I switch from the Premio Card to the JAL Family Club/Premio Card without reapplying?

• No, you have to re-apply for the JAL Family Club/Premio Card. Please click here to apply online.

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What additional services does the card provide?

• Services include MasterRental® Insurance Coverage, Purchase Assurance®, Travelers Insurance, and Extended Warranty. Click here for more information.

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