A credit card is a great way to have the financial flexibility for when life happens. Explore the options we offer for credit cards, and Benefits by being a Visa Credit Card Holder.
Visa Classic Rewards credit card earn points on everyday purchases.
Visa Platinum credit card with the low rate it's perfect for those that need a little extra money when the unexpected happens.
Redeem points on merchandise, travel and much more.
If your Debit / ATM card was lost or stolen:
-Please call Sunlight during normal business hours
-Or call our Card department 24/ 7 at 844-281-2433
If your card has simply been misplaced, you can freeze your card with the free Card Valet App* so no one can use it while you look for it. *Available for Apple and Android device.
Please call our automated phone number, 800-992-3808 to do one of the following for your Debit / ATM Card
-Activate your Card
-Set your Pin
-Reset your Pin
You only have a weeks from the time your card is issued to activate it. If this time has passed, please call Sunlight and we can reset it for you.
To report a fraudulent transaction on your Debit or ATM card please call our Fraud Department 24/7 at (844) 281-2434
Call (844) 818-6989 to do one of the following:
-Report a Lost or Stolen Card
-Report Fraud on the Credit Card
-Dispute a Non-Fraud charge
-Activate your Credit Card
-Check Account information and payment options
To make a non-fraud dispute on your Debit or ATM card please call (844) 281-2434
If there's suspicious activity on your card, you may receive a text from our fraud department from a number (37268)
They will only ask if you made the purchase. They will not ask for any other information such as social security number, card numbers or other identifying information.
In the event of a fraudulent charge, they can block your card from further use, and assist you in the next steps. If the transaction was yours, they can unblock your card so it is ready to use.
To obtain a new card, please contact your local Sunlight office.
Call your local Sunlight Office to for assistance.
(307) 587-4915 (307) 754-7191
(307) 347-8315 (307) 672-9028
Call our Bill Pay department at (866) 321-6544 for:
For issues regarding your Sunlight Account and Billpay, please call your local Sunlight Office.
Our Visa Classic / Rewards card gives you points on the things you already buy.
Redeem your points with our UChoose Rewards program.
There are thousands of items to choose from.
The Visa Platinum card has our lowest rate.
If you carry a balance on your card at the end of the month, this card can help keep your payments lower.
If you authorized a charge but later decided you didn't want the service / product, this charge can not be disputed.
Example: Often a company will offer a "free" trial, but require you to cancel before a time has lapsed, or you will be signed up for a monthly subscription. This charge is not fraud and can not be disputed since it was an authorized charge.
By Default Debit cards can not be used outside the country. High-risk countries are blocked for Credit Cards
-Call Sunlight if you need this temporarily unrestricted.
-May internet vendors bill outside the country (like PayPal and Google for some services) This will result in a decline.
-Our fraud department monitors transactions to detect fraud. If the transaction was deemed high risk, your card may be blocked, and a text message sent to the card holder's phone.
-If the location you use your card at has a network error, the card may be declined because they could not reach our servers for verification of funds.
If you have any questions call Sunlight for assistance.
*APR=Annual Percentage Rate