Credit Card FAQs
Frequently Asked Questions about applying for an IBERIABANK Credit Card
Q: WHO ISSUES THE IBERIABANK CREDIT CARD?
A: The IBERIABANK is a wholly owned subsidiary of IBERIABANK Corporation.
Q: HOW DO I OPEN AN ACCOUNT THAT TWO PEOPLE CAN USE?
A: If you wish to open a credit card account that is joint with another individual, please download our application for the product of your choice. Please have both individuals complete the required information, both sign the application and send it to IBERIABANK.
Q: WHAT IS THE DIFFERENCE BETWEEN THE MAILING AND THE PHYSICAL ADDRESS?
A: Your mailing address is where you'd like us to send your statements. A mailing address can be either your street address, a post office box or rural route address.
Your residence street address is the actual, physical location where you live. A residence street address can be a street address or rural route address.
Q:WHY DO YOU NEED MY SOCIAL SECURITY INFORMATION?
A: We ask for your Social Security number so that we can pull your credit bureau data, which in turn assists us in processing your application.
Q: WHAT IS THE PRIME RATE?
A: The Prime Rate is the Index used to calculate the interest rates on variable rate accounts. For each billing cycle, the index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the Prime Rate published in The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change.
Q: HOW DO I ACCESS MY CREDIT CARD INFORMATION ONLINE?
A: If an account is established in your name online access will be available to review all your credit card information and make online payments.
Q: WHAT ARE THE CREDIT LIMITS?
A: Our credit limits are assigned based upon your application and credit information.
Q: HOW LONG DOES IT TAKE TO PROCESS APPLICATIONS?
A: Due to an overwhelming response to our low rate card, it could take up to 30 days to process your application.
Q: HOW DO BALANCE TRANSFERS WORK?
A: Once you receive your card call 1-800-765-0853 to request a balance transfer. Balance Transfers can be used to pay off your other credit card companies, financial institutions or department stores.
Q: DO YOU OFFER CORPORATE CARDS?
A: Yes, we offer Visa Business cards to our corporate customers. Please contact your IBERIABANK representative for an application.
Q: HOW DO I REPORT A LOST OR STOLEN CREDIT CARD?
A: To report lost or stolen credit cards please contact us at 1-800-765-0853 24hours a day, seven days a week.
Q: HOW DO I ORDER A REPLACEMENT CARD?
A: If you are an owner on an account, your card is damaged and you would like to get a replacement card, please contact us at 1-800-765-0853 24 hours a day, seven days a week.
Q: WHY DO I NEED A PIN NUMBER?
A: You can use your PIN to withdraw cash advances from your credit line at ATMs.
Q: DO YOU HAVE A FEE FOR FOREIGN TRANSACTIONS?
A: Yes, the fee is 2-3% based on the product and transaction amount. Please view the cardholder agreement for the exact fee charged.
Q: WHY DO YOU NEED TO VERIFY MY EMPLOYMENT IF YOU HAVE MY PAYSTUB?
A: We use the paystub as a means to verify your income. We verify your employment in order to verify the information listed on your application such as length of employment, position, and salary (if possible).
Q: WHY DO YOU REQUIRE MORE INFORMATION THAN OTHER CREDIT CARD COMPANIES?
A: Our low rates mean that we must be more diligent in our credit approval process. However, applicants with a good credit record should not have difficulty meeting our established credit requirements.