Credit Cards
Credit card products, rewards, payments, and account management.
Articles
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How Do I Activate My New Credit Card?Once your new RMO credit card arrives, you will need to activate it before making purchases. There are two easy ways to do this.
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How Do I Apply for an RMO Credit Card?Applying for an RMO credit card is quick and can be done entirely online through MyRMO. Online Application Steps: Log in to MyRMO or visit the RMO Financial credit card page.
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How do I choose the right credit card?Match the card to how you'll actually use it — rewards if you pay in full, a low APR if you carry a balance, a builder card for thin credit — and weigh the fees.
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How Do I Dispute a Credit Card Transaction?If you see a charge on your RMO credit card that you believe is incorrect, unauthorized, or that you did not receive the goods or services for, you can file a dispute through MyRMO.
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How Do I Report a Lost or Stolen Card?If your RMO card is lost or stolen, lock it immediately in MyRMO under Card Management, then contact RMO to report it and request a replacement.
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Understanding Your Credit Card RewardsRMO rewards credit cards let you earn points or cash back on qualifying purchases; here's how the rewards system works.
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What Credit Cards Does RMO Offer?RMO Financial offers a full lineup of personal credit cards to match your spending habits and financial goals. MyCashRewards — Earn unlimited 1.5% cash back on every purchase with no annual fee.
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What Happens If I Only Pay the Minimum Balance?Paying only the minimum keeps your card current but lets interest pile up. Here is what it really costs and why paying more helps.
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What Is a Balance Transfer?A balance transfer moves debt to a card with a lower rate so more of your payment goes to principal. Here is how it works and what to watch for.
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What Is a Chargeback?A chargeback is a card payment reversal you request through your card issuer when you dispute a charge. Here is how it differs from a refund.
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What Is a Credit Card Grace Period?A grace period is the window each billing cycle when you can pay your balance in full and owe no interest on purchases. Here is how it works.
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What Is APR and How Does Credit Card Interest Work?APR is the yearly cost of carrying a balance on a credit card. Here is how card interest is charged and how to avoid paying it.