User Guide

Activating Your Account

Please read the following before using your new credit card

  • Verify that the name on the card is correct.
  • Sign the back of the card.
  • Your card must first be activated before use.

How to activate your card

Your card can be activated by following the below procedures. If you do not have a social security number, activation is available only through live operator; after dialing 1-800-552-4906, from the main menu press "#" to speak with one of our live operators.

Activation by phone
Call 1-800-552-4906 and follow these prompts
Choose language (Japanese or English)
Press "1" from the main menu
Follow the verbal guidance and provide data when prompted
From the menu press "1" for activation
Online activation
Access your online account
[ENROLL] for Personal Enrollment
Click on the "Activate your Card" link

Lost or Stolen / Unable to Use

If your card is lost or stolen

If your card is lost or stolen, please contact service center immediately.
A service center representative will cancel your card and issue a replacement card.

Premio Lost or Stolen Emergency Line
24 hours / 365 days
Please call collect to 1-949-437-9684 if you are calling from outside the U.S.

Important information on protecting your card

Keep your PIN confidential!
Create a PIN that is not easily determined by a third party - numbers such as date of birth and home phone are not recommended.

Manage your card on account information!
Periodically verify that your card has not become lost. Also, for your security we recommend that you shred statements and other documents containing card information before you dispose of them.

What to do when you are unable to use your card

There could be several reasons for your card being rejected. The first thing you should do is make sure that your balance is not over your credit limit. You may verify this by accessing your online account, or by calling customer service.

24 hour bilingual automated voice response service

Damaged Card

How to reissue your card when it is damaged

Please call customer service immediately if your card is damaged and we will reissue it. Please allow 7 to 10 business days for delivery.

Update Your Info

Registration Information Changes


How to register your Social Security Number

Please provide us with your Social Security Number as soon as it is issued so that you can begin building your credit history, access online services and use the Automated Phone Service. *

To register your Social Security Number :
Please adjust the contrast and size so that the text is legible, and send us a copy of your SSN card by Webmail or mail.

How to register  
Webmail: Please click here.
Mailling Address: PREMIO
19800 MacArthur Blvd., Suite 400
Irvine, CA 92612

* For information security purposes, please do not send your SSN by e-mail.

Credit Line Increase

How to request a Credit Line Increase

You may request an increase in your credit line 6 months after opening your account. Subsequent requests are accepted on a yearly basis.

Please call customer service to submit your request and allow 4 business days for processing.

Not all requests are approved; account performance and credit status may be considered in the decision to increase credit line.

Authorized User Card

How to apply for an Authorized User Card

Authorized User Card is available for anyone in your family. Please note that the Primary Cardholder will be liable for all transactions made on the account, including those made by any authorized user.

Please go to online account to request an additional card. Applicants can request the card during a card application too.

PIN Numbers

How to set up and change your Personal Identification Number (PIN)

You will need to set up a Personal Identification Number (PIN) to use for cash advances. To set up your Personal Identification Number (PIN) via our automated system, please call the phone number below. Or, contact customer service if you wish to receive your PIN by regular mail; we will mail your a pre-selected PIN. You will receive your PIN within approximately 7 - 10 days after we receive your request.

For security reasons, we are not able to respond to inquiries for PIN confirmation. If you forget your PIN, please contact customer service and request a new PIN be sent.

Premio Customer Service

Your Personal Identification Number (PIN) is used to identify you as an authorized user. Because the PIN is used for identification purposes, you should not reveal your PIN to any person, write your PIN on your card or carry it with your card. Additionally, if you believe your PIN has been compromised, you should change your PIN or notify customer service. The security of your account depends upon you maintaining possession of your credit card and the secrecy of your PIN.

Address Change

How to change your address and employment information

Please provide us with your new address information when you would like to change your billing address. We recommend updating your information by online rather than using the payment slip.

Please note that you are responsible for making payments on time even if you do not receive a statement. Remember, you can log on to online account to check your account balance, download and print your statements, and/or make a payment.

Closing Your Account

Closing your credit card account

Accounts must be closed by the primary account holder by contacting customer service. If you are planning to use your card until immediately before permanently returning to Japan, or during your return trip to Japan, you may contact our service center in Japan. You are responsible for any outstanding balances; continue to sign-on at Cardmember Services to check your account balance and make payments.

Upon contacting customer service, your account will be closed immediately and you will no longer be able to use your card.

Note: Annual fees will continue to be charged until account is closed; therefore, please close your account when you no longer plan to use the card. At account closing, we may ask for your contact information in Japan.

Payment after you close your account

You are able to access your Online Account from Japan - even after your card has been canceled. We highly recommend using this payment method if you continue to maintain a US bank account.

Mailing address

If you have a balance on your account at the time you leave the U.S.:
* Please change your billing address to that of a person who will submit payment on your behalf, or provide a U.S. work address.

Please call customer service to change your billing address.

Auto charge

If you have signed up for any auto payment services - for example magazine subscriptions, gym/health clubs, etc. - please change the registered payment card (method) or cancel the services.

Note that without taking action, these fees will continue to be (automatically) charged to your account even after your card is closed.


Monthly statement

Monthly statement

Card statements are issued once a month. Statement/Closing Dates are different for each card member, and statements are mailed after the Statement/Closing Date.
Please make a payment by the payment due date noted on your statement.
You can also check your statement through online account.

Please note :

Payment date is the date in which the check or money order is received. Payments received on a weekend, holiday, or after 5:00pm CST will be posted on the next business day.

Payment Methods

Auto Pay (Automatic Bill Payment Service)

Auto Pay is an easy way to pay your monthly credit card bill - automatically through your checking account. Every month, on the payment due date shown on your credit card billing statement, your payment will be transferred from your chosen checking account to pay your credit card bill. If the due date falls on a weekend or banking holiday, your transfer will take place the next business day.

How to sign up
To sign up, download the enrollment form and send it to us with a voided check * from your checking account to the below address or fax no. A message on your monthly statement will notify you when your automatic payments will begin. You should continue to make regular payments until this message appears.

Send by Postal Mail FAX
Auto Pay Department
P.O. Box 3331
Omaha, NE 68172-9934
Fax Number:
* "VOIDED CHECK" is a personal check that has been voided by writing "VOID" across the front of the check.

Online payment

Another recommended payment method is our fast and convenient online payment system. No need to write a check, you save postage, and you don't have to worry about your payment being lost or late in the mail.

Payment by check

For payment via check, please enclose your check and the upper portion of the dotted line of the statement in the return envelope enclosed with your monthly statement. Please make the check payable to PREMIO CARD and be sure to write your card account number on the check. We recommend you send your payment at least five business days prior to the payment due date.

Payable to: PREMIO CARD
Mailing Address
P.O.BOX 2557
Omaha, NE 68103-2557

Finance Charge

Finance Charge

A finance charge will be applied to the average daily balance of your purchase, cash advances, and any promotional balance. If your payment is late, or not for the entire balance due, the accrued finance charges will be billed on your next statement. Finance charges are not penalties, but are interest on funds paid on your behalf for merchandise or services received and that you have an obligation to pay for at a later date.

Other Charges

Late Fee

You'll be charged a late fee if you do not pay minimum balance by payment due date. Please refer to Cardmember Agreement for details.

Dishonored Payment Fee

You'll be charged a payment dishonored fee if a payment is returned unpaid by the bank due to lack of sufficient funds, or the bank account information is incorrected when you pay through online account.

See Cardmember Agreement for more information regading the fees listed above and other fees.

Disputed Charges

If you have a transaction appearing on your statement that you believe is an error

1. First, please contact the merchant to try to resolve the issue. You may be able to find the phone number of the merchant in the "description" column on the statement.
2. You may also call service center to have the type of merchant be identified. However, no detailed description of the transaction is available via this inquiry method. If you still think the transaction was in error, please go to step "3."
3. Please complete the Notification of Disputed Item Form and fax or mail the completed form to:

Fax Number: 1 - 402 - 938 - 7550
Mailing Address: Cardmember Services
P.O. Box 3696
Omaha, NE 68103-0696

* You may deduct the amount for a disputed item from your payment. However, we recommend paying in full to avoid accumulating finance charges if it turns out that you are responsible for the disputed item.

* Please make sure to follow up with the case on your own responsibility. Failure to respond to the inquiry from cardmember services may result in accepting the changes.

Confirm Payment and Balance

How to confirm payments and check your balance

You can confirm payment and amount or check your balance via our 24 hour bilingual automated Interactive Voice Response (IVR) line or through your online account.

1. Call 1 - 800 - 552 - 4906 and follow these prompts:
2. After choosing your preferred language (Japanese or English), press "1" on the main menu for account information.
3. Follow the voice instructions and enter your credit card number and the last 4 digits of your social security number.
4. Press "2" - Card Account Balance Inquiry - to confirm card balance.
5. Or, press "3" - Payment Information Inquiry - for the amount of last payment and date posted, and the minimum payment required and date due.