PSU VISA Corporate Card Frequently Asked Questions

1. Is the U.S. Bank Corporate Card like other Visa credit cards?
No. Unlike other Visa cards that have a revolving line of credit, the U.S. Bank Corporate
Card is a charge card. The balance is payable in full before the next billing.

2. Will my U.S. Bank Corporate Card affect my personal credit rating?
This account is to be used only for reimbursable university business expenses. The
account is not be used for personal charges; therefore, U.S. Bank does not report
monthly activity to any credit bureau. When any portion of your account balance reaches
150 days past due, the delinquency will be reported to your credit bureau and may affect
your personal credit rating. You should not reference this card as a credit liability.

3. Is my account ready to use when I receive my card?
No. You will need to call U.S. Bank Customer Service at 1-800-344-5696 to activate
your card. At this point, your card is ready for use.

4. Can I access cash through my U.S. Bank Corporate Card?
Cash can be accessed at over 230,000 ATM’s and 371,500 member banks worldwide.
There is a 2% transaction fee when you access a cash advance with a $2.00 minimum fee.
The cash advance fee is a legitimate expense and is reimbursable on the Travel
Reimbursement Form when the cash is used for authorized PSU expenses.

5. Is there a limit to the amount of cash I can obtain?
Because of the worldwide merchant acceptance of the Visa card, the need for cash
advances is greatly reduced. Based on previous cash needs, you have been assigned an
appropriate amount of cash by PSU. Your cash availability is replenished each time you
make a payment to your account. In addition, ATM’s are generally limited to $200 per
machine and three transactions per 24-hour period. Cash may also be obtained from a
Visa Member Bank. Please verify the ATM is part of the PLUS system or Visa network.

6. How do I find the location of a bank or ATM?
For the nearest U.S. location, please call 1-800-THE-PLUS or 1-800-VISA-911. When
traveling internationally, please call the Visa Assistance Center collect at 410-581-9994.

7. Whose responsibility is it to pay the bill?
It is the employee’s responsibility to ensure payment in full is received at U.S. Bank prior
to the next billing cycle.

8. On what date does my statement generate?
Your account cycles on the 25th of each month, at which time a statement is produced.

9. Do I wait for the Visa bill to submit my reimbursement request?
No. Please submit your reimbursement requests as you incur the charges. It is important
that timely reimbursement requests are submitted to ensure prompt reimbursement

10. Is it important to reconcile my statement each month?
Yes. Even though you have been reimbursed for your business expenses, you should
review your statement for accuracy. This will ensure that your account always remains in
proper balance. If you have not received your statement, please contact U.S. Bank
Customer Service at 1-800-344-5696.

11. If payment if full is not received by the next billing cycle, is there a late fee?
Yes. Employees are allowed two billing cycles (60 days total) in which to pay off their
card balances. The 60 day period between the time a charge is made and the time
payment is due provides employees with enough time to submit requests for
reimbursement, have the requests processed, receive the reimbursement, and make
payment to the bank, before late charges are assessed.

12. What happens if payment in full is not received before the third statement?
Your U.S. Bank Corporate Card will be suspended. In addition, a delinquency fee of
2.5% is applied to the entire unpaid, past due balance of any amount that is two (2)
billing cycles past due. This fee is the responsibility of the individual card holder.

13. What if I do not recognize a charge or need more information about a charge on my statement?
Refer to the back of your statement for billing inquires/problems or questions. U.S. Bank
must hear from you no later that 60 days from the original statement date on which the
charge in question appeared. Be sure to keep records of all discussions, including the
name of the Customer Service Representative. If you have any questions or need further
clarification, please contact U.S. Bank Customer Service at 1-800-344-5696.

14. What happens once I have notified U.S. Bank of a dispute?
After U.S. Bank has received notification, U.S. Bank will place the amount is question in
dispute status. While U.S. Bank is conducting an investigation, you do not need to pay
the amount of the charge which is in dispute; however, you are obligated to pay the entire
balance for charges that are not in question.

15. What if my U.S. Bank Corporate Card is lost or stolen?
Immediately call U.S. Bank Customer Service at 1-800-344-5696. A report will be filed
and a new card with a new account number will be issued.

16. What should I do if my U.S. Bank Corporate Card fails to receive authorization for a charge?
If a merchant fails to receive authorization, they may decline the transaction. The
merchant may obtain a manual (verbal) authorization by contacting U.S. Bank Customer
Service at 1-800-344-5696. The customer service representative will review the status of
the account, and if the account meets approval criteria, the manual authorization will be
provided. Note: Some merchants have internal policies that prohibit accepting manual
authorizations.

17. What if I have a question concerning my Corporate Card account?
Contact U.S. Bank Customer Service at 1-800-344-5696, 24 hours a day, 365 days a year.