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Frequently Asked Questions

Top Ten FAQs

  • Q: Who is Collabria?
    A: Meridian has partnered with Collabria to provide you with a credit card product as a service or benefit to your relationship with them. Collabria provides you with 24/7 Cardholder Service, access to account information online through MyCardInfo and round the clock fraud monitoring and protection services for your credit card. Collabria also receives and processes your card payments and manages collections on delinquent accounts. From time to time, you may receive communications from Collabria regarding your credit card account.
  • Q: How do I transfer another credit card balance to my credit card?
    A. Your credit card allows you to consolidate other balances you may have onto one card. You may transfer a balance by calling Cardholder Service at 1.855.341.4643. Please have the billing and account information for the balances that you wish to transfer from available.
  • Q: What is annual interest rate and how do I find my annual interest rate information?
    A. Annual interest rate is a measure of the cost of credit, expressed as a nominal yearly rate. Generally speaking, it is the amount of interest that is billed to your account for the convenience of utilizing your credit line. There is a 25 day grace period during which no interest will be charged on that month's merchandise purchases. Please note that cash advances do not have a grace period. You can view your current annual interest rate online at MyCardInfo or on a monthly statement. Your complete annual interest rate details were provided with your card when your account was approved.
  • Q: I am traveling internationally; can I use my credit card?
    A. Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. As a fraud protection measure, we do strongly recommend that you call Cardholder Service at 1.855.341.4643 prior to your departure or utilize the travel form available online through MyCardInfo. When traveling internationally, please contact Cardholder Service at our international collect number, 1.515.343.8995.
  • Q: What is MyCardInfo?
    A. MyCardInfo is our online account management tool where you can access account information 24/7. You can register for a MyCardInfo account for free as a Meridian cardholder. With MyCardInfo, you can check current balances, review recent activities, verify the last payment made, make payments, view eStatements and more.
  • Q: What rewards are offered?
    A. We offer generous rewards programs on various card products.  To explore the rewards offerings on a particular card, select the “Rewards” tab on the card information page. 
  • Q: How do I redeem my rewards?
    A. Rewards can be redeemed online through MyCardInfo.  Click “Check My Rewards” in the footer to log in to your MyCardInfo account.
  • Q: How do I activate my account?
    A. When you receive your card, you must activate it by calling the number on the sticker affixed to the front of your card. Once your card is activated and you have received your PIN, you can begin using your card.
  • Q: How can I pay my credit card bill?
    A. You can mail your payment to the payment address found in the footer below, make an electronic payment online through MyCardInfo or visit your local branch.