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Important Update to Credit Card Disclosure

Important Update to Credit Card Disclosure

Two changes to Elements Financial Visa® Credit Cards will be effective in June and July 2018. 

For details on the updates to the Zero Liability Policy and Prime Rate changes, see below.


Current Credit Card Disclosure

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify us immediately if your Card is ever lost or stolen or if an unauthorized use may have occurred. "Unauthorized use" means the use of the Card by someone other than you who does not have actual, implied or apparent authority for such use, and from which you receive no benefit. The telephone number to call is 1-800-621-2105.

You agree to follow up your call with notice in writing to us at: Member Services, P.O. Box 10409, Des Moines, IA 50306-0409. You also agree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of your Card and comply with such procedures as we may require in connection with our investigation. You will be liable for any unauthorized use only if we can prove that you were grossly negligent in your use or handling of your Card, or if we can prove that you used your Card fraudulently.

New Credit Card Disclosure effective 6/1/18

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify us immediately if your Card is ever lost or stolen or if an unauthorized use may have occurred. "Unauthorized use" means the use of the Card by someone other than you who does not have actual, implied or apparent authority for such use, and from which you receive no benefit. The telephone number to call is 1-800-621-2105.

You agree to follow up your call with notice in writing to us at: Member Services, P.O. Box 10409, Des Moines, IA 50306-0409. You also agree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of your Card and comply with such procedures as we may require in connection with our investigation. You will be liable for any unauthorized use only if we can prove that you were negligent in your use or handling of your Card, or if we can prove that you used your Card fraudulently.