Credit Card Services

THE HOMETOWN CARD...

...WITH WORLDWIDE ACCEPTANCE

• Visa Secure
• MasterCard SecureCode
• www.mycardstatement.com 

Frequently Asked Questions

• Both are accepted worldwide so it is really just a personal preference.

• For those just starting to build their credit, or for those who have gotten off to a bad start, we may choose to offer you a "secured" credit card. This means a hold will be put on your CNB savings account for the amount of credit limit you request. Holds are generally for one (1) year, at which time your payment history will be reviewed to see if you then qualify for "unsecured" card status. (It is your responsibility to notify us when the year has passed, and a new credit report will be pulled to determine unsecured eligibility. Also, there is no guarantee the hold will be released at the one year anniversary date).

• Your credit card is actually owned by Central National Bank, therefore we make it a policy to consider increases in credit limits on a case-by-case, customer initiated scenario. Credit limit increase requests authorize us to pull a credit report to determine your most up-to-date financial situation.

• As soon as you discover your card missing, contact the CNB credit card department at 918-649-2214. If it's after regular banking hours, contact the security department at FIS (Fidelity National Information Services 1-800-423-7503 ) so your card can be blocked. 

• This is one of the most valuable reasons for choosing a hometown bank credit card. Not only can you make your payment at the bank (saving mail time and possible misdirected mail), you can get answers to almost every question you have about your credit card account by speaking to a real person. Just call 918-647-2233, ext 2214. 

• PINs are security features designed to protect you. Issued when you receive your new card, these are computer generated numbers that are unknown to Central National Bank employees, or by our processor, FIS (Fidelity National Information Services). If you forget your PIN, we can have another one generated, but there will be a 7-10 day wait to receive it. 

• We are not allowed to advise you on credit limits to apply for. Applications are reviewed by a loan officer and your request will either be: approved, denied, or counter-offered with a lower amount.

• Phone: 918-647-2233
• Fax: 918-649-0339

• 1-800-352-3678

• 1-800-423-7503

• 1-800-854-1557

• 1-800-543-5073