U.S. Bank and UCR has established a spending guideline on each card.  The default spend guidelines for each billing cycle are as follows:

Note:  As long as the individual account is less than 60 days past due, the cardholder will always be approved and provided authorization for travel purchases (airfare, hotel, rental car, gasoline, meals, etc.) on an unlimited basis.

C. Card Replacement/Lost or Stolen Cards

Cards can be replaced within 24 hours in the U.S. and one business day elsewhere provided the request is logged before 2 p.m. CDT.  Replacement requests after 2 p.m. CDT will add 24 hours to U.S. replacement and one business day to replacement outside of the U.S.  The cardholder calls the toll-free Customer Service Center at 1-800-344-5696 or the Visa Assistance Center (VAC) to report the incident and request emergency replacement. There are no replacement fees and neither UCR nor the cardholder is responsible for fraudulent charges made to the promptly reported lost or stolen card. If the cardholder requires interim funds or assistance, the VAC can authorize a cash advance at a local bank or a stay at a local hotel.

D. Card Cancellation

Accounts will be suspended immediately and canceled whenever USBANK is contacted by the cardholder or the UCR travel office.  Call U.S. Bank at 1-800-344-5696.   Once the card is suspended or canceled, the vendor will receive a denied authorization at the point-of-sale. 

E. Billing Statements and Options

Paper statements will be sent to each cardholder at the end of each billing cycle.  Our billing cycle ends on the 25^th of every month. The statement lists all charges made on the account. 

Each cardholder receives his or her own billing statement on a monthly basis and is solely responsible for payment of the balance due before the end of the monthly billing cycle (approximately 30 days).

F. Liability

With Individual Liability, the cardholder is solely liable for payment of all charges. UCR will reimburse the cardholder for legitimate business expenses as soon as the travel expense voucher is turned in and processed.

G. Dispute Procedures

Most often, disputes are initiated by calling U.S. Bank’s 24-hour customer service line at 1-800-344-5696 and requesting the change. Charge disputes are governed by Visa Regulations, which provide instructions for action and timeliness, by type of dispute. Formal disputes are usually resolved within 30 days of initial contact.  In order for a dispute to be processed, the cardholder must notify U.S. Bank in writing within 60 days from the date of the first statement on which the item was billed to preserve their billing rights.  Upon receipt, U.S. Bank begins researching the disputed item.  During the research period, the item is put into suspension until a decision is reached.  Within 10 days a follow-up letter is sent to the cardholder by a representative specially assigned to the dispute. A response must be received at U.S. Bank by the date indicated on the follow-up letter, or the item is removed from the dispute process. 

The timeline of an average dispute is as follows:

Day 1-5: Cardholder identifies questionable item on statement.  Cardholder notifies U.S. Bank by phone, fax, or mail (if by phone, authorization letter is mailed for cardholder signature).   Within 2-3 days a file is completed for each dispute.  Within 5 business days, the file is assigned to a researcher.

Day 6-15: Researcher reviews the dispute request to identify Visa regulation governing the transaction.  If required, researcher orders photo.

Day 16-30: Researcher receives cardholder authorization. Researcher reviews file and determines if item is valid or invalid cardholder charge.  If a charge is found to be invalid, the researcher credits the cardholder account, charges the item back to the merchant bank, and sends a letter to the cardholder notifying them of the dispute resolution.  If the charge is determined to be valid, the research removes the item from dispute and sends a letter to the cardholder notifying them of their responsibility to pay the charge.

H. Foreign Currency Conversion

A foreign currency fee is assessed for transactions processed in any currency other than U.S. Dollars.  In the calculation, the transaction amount is converted to equivalent U.S. Dollars using a wholesale, or government-mandated, conversion rate.  A fee of up to 2 percent is assessed and calculated into the rate.   

III. CASH DISBURSEMENT

A. Acceptance by Merchant, ATM and Member Offices

The matrix below shows the number of worldwide acceptance locations, merchant locations, ATM locations, and member offices for U.S. Bank Commercial Cards.

B. Cash Advance Access

The U.S. Bank cash advance program is funded by U.S. Bank and features the world’s largest cash access network.  The cash advance fee offered to UCR is 2.5% with a $2 minimum on ATM advances. These additional means of obtaining cash and services are also available, if required:

C. Travelers Checks

Travelers checks may be purchased using the U.S. Bank Corporate Card at most of the more than 408,000 Visa member banks worldwide.

D. Personal Checks

Personal checks of up to $250 may be cashed at 1) hotels where the Visa card has been used for registration, or 2) at Visa member banks. 

IV. Insurance

A. Auto Rental Insurance (full value)

Worldwide full value primary Auto Rental Insurance covers collision, theft, vandalism, appraisal fees, and loss of use when the rental is paid with the U.S. Bank Corporate Card. There is no additional charge for this coverage.  You can eliminate internal self-insurance or auto agency insurance expenses by using the U.S. Bank Corporate Card.

B. Travel Accident Insurance

Common Carrier Travel Accident Insurance is primary coverage, protecting against losses caused by a) a common carrier accident, or b) an accident incurred on the way to or from the terminal in a common carrier (i.e. taxi, bus, or airport limousine), provided the air ticket was charged on the U.S. Bank Corporate Card prior to departure for the terminal.

This insurance is provided to cardholders automatically when their entire travel fare(s) is charged to their corporate account. The insurance applies to the cardholder, his/her spouse, and his/her children while traveling worldwide for business purposes. Common carrier tickets purchased for fellow employees and tickets acquired with redeemed frequent flyer points or coupons are also covered. 

C. Lost or Stolen Baggage Coverage and Assistance

UCR’s cardholders are eligible for up to $1,250 of secondary baggage coverage when the common carrier ticket is purchased with the U.S. Bank Corporate Card. Reimbursement is made only if the common carrier makes a monetary reimbursement and not for other considerations.  

The U.S. Bank cardholder may receive immediate shipment of replacement items, a cash advance required as a result of the loss of luggage, and claims assistance when luggage is lost while traveling and the carrier is unable to locate it. Note, this is not lost luggage insurance.

V. Travel and Emergency Assistance

A. Emergency Assistance

U.S. Bank cardholders around the world have access to emergency assistance by calling the Visa Assistance Center (VAC) toll-free.  For the nearest US 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.  Most of these services are available at no extra fee. Some services, such as Roadside Emergency Assistance, provide the service (such as towing) at a nominal fee, which cardholders can charge on the card. Emergency services include:

B. Pre-trip Assistance

Receive comprehensive travel information, including health precautions, weather reports, currency exchange rates, and required visas and immunizations. Cardholders with special needs can make special arrangements for medical equipment and supplies and receive assistance locating medical facilities prior to the trip. 

C. Translation Service 

Take advantage of immediate, 24-hour translation services in Spanish, French, and Japanese, and reach translators for 20 other languages within a short period of time. If more than telephone translation is required, the VAC assists in locating local interpreters.

D. Guaranteed Hotel/Motel Reservation Service

Make guaranteed hotel reservations at participating hotels. Rooms are held until check-out time on the day following the scheduled arrival. If the hotel has no room available, they will provide a comparable room at another hotel plus transportation and other related services at no additional cost. 

E. 24-Hour Locator Service 

Cardholder’s can get information regarding the location of Visa member banks, airports, and Visa ATMs.  For the nearest US 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.