Credit card services FAQ

I have questions about:

• Credit Cards
• Getting Started
• Account Access
• Other

General Credit Card Questions

• What if my card is lost or stolen?

  Immediately contact Card Member Services to report the loss or theft and arrange for a replacement card to be mailed to you. You should keep a copy of these numbers and your account number in a convenient place — separate from your card.
  
  Card Member Services
  (806) 378-8284
  or toll-free 1-877-875-8078

• What are my rights if I think my bill is wrong or I need more information about a transaction on my satement? (Disputes and Cardholder Rights)

  If you think your bill is wrong or if you need more information about a transaction on your billing statement, write to us at the address listed on the back of your statement. You must write to us no later than 60 days after you received the first statement on which the alleged error appeared. We must acknowledge your letter within 30 days unless we have corrected the alleged error by then. Within 90 days, we must correct the alleged error or explain why we think the billing statement was correct. You do not have to pay the amount in question while it is investigated, but you must continue to make payments on the rest of your outstanding balance.  Please see your cardholder agreement for details.

• How do I make a payment on my ANB credit card?

  It's simple! You can pay your ANB credit card at your convenience:

  
  • Online
  • At any full-service ANB branch location
  • By mail:
     Amarillo National Bank Card Services
     P.O.Box 2858
     Omaha, NE 68103-2858

Questions about getting started

• Do I have to be a resident of the United States to apply for the Amarillo National Bank credit card?

  Yes.

• How old do I have to be to apply for the Amarillo National Bank credit card?

  You must be 18 years or older.

• How can I register my Amarillo National Bank credit card account?

  Registration is easy:
  
  • Simply go to www.cardmemberservices.net/AmarilloBank.
  • Click on the Register Here button to the left and follow two easy steps to register.
  
  For security purposes, you must have your credit card present to complete registration.

• Can I register more than one Amarillo National Bank credit card account?

  Yes. You can access multiple accounts using the same login name and Password. After you have registered your initial card account, select the Maintenance option and click Link New Accounts.  You will be able to register another account online and access the information immediately. 

• How long will it take to receive my Amarillo National Bank card?

  We will usually notify you within seven to ten days regarding the status of your application. Upon approval, you will receive your card along with a complete Welcome Kit and cardholder agreement explaining the features, benefits and details pertaining to the use of your Amarillo National Bank credit card.

Questions about Credit Card Account Access

• Is Credit Card Account Access free?
  Yes, Credit Card Account Access is absolutely free to you as an Amarillo National Bank cardholder.
• What can I do through the Credit Card Account Access service?
  You will have instant access to your account information online. Specific features include:
  
  • Account Summary — View your current account balance, available credit, minimum payment due, payment due date, last payment amount, and the date a payment was received.
  • Recent Activity — See all transactions posted to your account since your last statement.
  • View Statement Information — View information from your past three statements.
  • Credit Card Account Access Maintenance — Use this simple tool to change your password and/or e-mail address, and link new or additional accounts to your existing Login Name.
  • Activate Your Credit Card — For recently issued credit cards. You must have your credit card present to complete activation.
• How can I make payments online?
  Once your account is registered, you can log in to Credit Card Account Access and select the Make Payment option. You may make a payment on your credit card account now or schedule a payment for up to 30 days in the future, using your checking or savings account. Payments made prior to 3 p.m. Eastern Time will be posted to your credit account on that day. Payments made after 3 p.m. Eastern Time will post to your account the next business day.
  
  You can also pay your ANB credit cards conveniently through our Online Bill Pay.
  
• What versions of Microsoft® Internet Explorer® or Netscape® Navigator are compatible with the site?
  Our Card Member Services site is compatible with Internet Explorer version 5.0 and higher and Netscape version 6.2 and higher.
  • To download the latest version of Microsoft Internet Explorer, click here.
  • To download the latest version of Netscape Navigator, click here.
  
• How do I use balance transfer checks to transfer a balance?
  You fill out the check just like you would write a personal check. Send the check to a creditor, and it will be billed to your Amarillo National Bank credit card account as a purchase. Please verify your available credit prior to using the check. 
• Are there late payment or over-limit fees?
  If your payment is not received by the due date, you may be charged a late fee. If your balance goes above the credit line, you may be charged an over-limit fee. Please refer to your Amarillo National Bank card agreement for more information.
• Will my rate change if I miss a payment?
  According to your Amarillo National Bank card agreement, if you are in default on any Amarillo National Bank credit card, Amarillo National Bank may increase the rate on the entire balance to a “delinquency” rate. This “delinquency” rate will apply to all outstanding debt and new balances.

Other general questions

• Who provides the Amarillo National Bank credit card?

  Amarillo National Bank credit cards are issued by InfiBank, N.A. of Atlanta, Georgia, under a special arrangement with Amarillo National Bank.

• How can I reach Card Member Services?

  By phone:
  (806) 378-8284 (during business hours)
  1-877-875-8078  (toll-free, 24/7)
  
  To ensure quality, calls may be monitored.
  
  E-mail:
  AmarilloBank@CardMemberServices.net
  
  E-mails are usually answered within 24 hours during the week, and within 48 hours on the weekend.
  
  Correspondence:
  Amarillo National Bank Card Services
  P.O. Box 3696
  Omaha, NE 68103-3696
  
  Payments
  Amarillo National Bank Card Services
  P.O. Box 2858
  Omaha, NE 68103-2858