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Program Rules

  • The Extra Credit Points website can be found by following the links from www.extracreditunion.org, and the Extra Credit Points Service Center can be reached by calling 1-877-35-POINTS (1-877-357-6468). The Service Center is available 24 hours a day, 7 days a week.
  • Extra Credit Points accrue at a rate of one (1) point for every two U.S. dollars ($2) of net retail purchases made with your participating Extra Credit Union Debit MasterCard and Visa Gold and Platinum Credit Cards for signature (non-PIN) transactions Unless otherwise specified, you can earn unlimited points annually.
  • Points do not accumulate on cash advances, convenience checks, balance transfers, ATM withdrawals, or debit card transactions that involve the use of a PIN, except as otherwise permitted in special promotional offers. You also don't earn points on any fees, including ATM fees, and card-related charges posted to an enrolled card account including late fees, over-limit fees, annual fees, and finance charges as outlined in the applicable Cardholder Agreement. You cannot earn points on tax payments or any unauthorized charges or transactions. When merchandise purchased with your Extra Credit Union Debit MasterCard and Visa Gold and Platinum Credit Cards is returned, your points will be reduced by the point value of the return.
  • Extra Credit Union may elect, from time to time, to reward Extra Credit Points for using additional products and services of the credit union. Notifications of these point earning opportunities will appear on your monthly e-statement, on the Earning Points page, or by calling the Service Center.
  • All accounts that are past due or over established limits will not be permitted to redeem points or receive credit. If your account is closed, all Extra Credit Points will be forfeited.
  • Point redemption levels can be found on the website. Most gift card rewards are only available on the website and cannot be obtained through the Service Center phone line.
  • To redeem your points for travel, visit the Travel page or call the Service Center. You can redeem your points for a flight via our Travel Resource Center.
  • Extra Credit Points can be used to order merchandise and gift cards described on the website. The website is updated periodically and sometimes items from prior website listings may not be available to order. You may select merchandise from any level as long as you have the necessary number of points posted to your account.
  • Extra Credit Points Point requirements are subject to change from time to time and items may be substituted at any time. Should an item be discontinued, it will be replaced with merchandise of equal or greater value or you will be advised so that you can make an alternate selection. UPS or Parcel Post will usually deliver your merchandise within 2 - 4 weeks. Shipments cannot be made to a post office box, APO address, or outside the 50 United States.
  • If an item arrives in damaged condition, you may return it for a replacement. Please contact 800-240-4814 ext. 203 for a return authorization. Item(s) must be returned within 30 days of receipt in the original packaging. For returns of items that are not damaged, please contact the Extra Credit Points Service Center. Return shipping charges will be paid by the participant. There is a $30 restocking fee. Item(s) must be returned within 30 days of receipt, unused, and in the original packaging. Gift Cards and codes cannot be returned for any reason. For more information, please call the Extra Credit Points Service Center.
  • Points that are not redeemed within three years from the year earned will be forfeited.
  • Points have no cash value. Points and rewards are not considered your property and are generally not transferable upon death, as part of a legal settlement, or as part of a domestic relations issue.
  • Extra Credit Points may be combined for your personal participating Extra Credit Union Debit MasterCard and Visa Gold and Platinum Credit Cards accounts into one rewards account for redemption purposes. However, points from other rewards accounts cannot be transferred or combined. Extra Credit Points are not transferable to other frequent traveler or merchandise programs.
  • Extra Credit Union is not responsible for inaccuracies in point accrual due to computer error, late or incorrect data submissions, lost Certificates, or any loss incurred that may arise in connection with the use of these services. Extra Credit Union is not responsible for the performance by any merchant, service provider, or common carrier.
  • Any and all taxes and gratuities on points, accommodations, or services in connection with the Extra Credit Points Program will be the responsibility of the cardholder.
  • This Program is void where prohibited by federal, state, or local law. Extra Credit Union reserves the right to alter, change, or terminate the Extra Credit Points Program at any time with or without notice. The Issuer also reserves the right to disqualify individual account holders who violate the Program Rules.
  • You agree to hold CO-OP Network totally harmless if Extra Credit Union fails to meet its contractual and other obligations to you which results in the Program being interrupted or terminated prior to you having the opportunity to redeem your points. Also, you agree to hold CO-OP Network and Extra Credit Union harmless if a vendor files for bankruptcy, or otherwise goes out of business, after you have redeemed your points for a reward from the vendor but before you are able to use the reward.
  • Your use of your account following receipt of these Rules will indicate your agreement to these Rules.


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