UCR

Accounting



FAQ - US Bank Visa Corporate Card


  1. Why is it important to use the USBANK Corporate Card when I travel for business?
    Travel is UCR’s third largest controllable expense and it is for this reason that today most companies utilize a corporate card program.  Use the USBANK visa card whenever possible for the payment of business expenses, including air and auto transportation, hotel, meals, etc.  The card is not transferable and must not be loaned or given to anyone else.  
  2. Is the USBANK Corporate Card like other Visa credit cards?
    No.  Unlike other Visa  cards that have a revolving line of credit, the USBANK Corporate Card is a charge card.  The balance is payable in full before the next billing.
  3. Will my USBANK Corporate Card  affect my personal credit rating?
    This account is to be used for reimbursable business expenses.  Therefore, USBANK does not report the activity to any credit bureaus.  If any portion of your account balance reaches 180-days past due, the delinquency will be reported to your credit bureau.  You should not reference this card as a credit liability. 
  4. Is my account ready to use when I receive my card?
    No.  You will need to call USBANK Customer Service at 1-800-344-5696 to activate your card via your social security number and zip code.  At this point, your card is ready for use.
  5. Can I access cash through my USBANK Corporate Card?
    Cash can be accessed at over 230,000 ATMs and 371,500 member banks worldwide.  There is a 2.5% transaction fee when you access a cash advance with a $2.00 minimum fee.  Appropriate documentation such as cash advance receipts may be required in accordance with UCR’s travel policy.
  6. Is there a limit to the amount of cash I can obtain?
    Because of the worldwide merchant acceptance of the Visa card, the need for cash advances is greatly reduced.  Based on previous cash needs, you have been assigned an appropriate amount of cash by UCR.  Your cash availability is a pool of cash that is replenished each time you make a payment to your account.  In addition, ATMs are generally limited to $200 per machine and three transactions per 24-hour period.  Cash may also be obtained from a Visa member bank.  Please verify the ATM is part of The PLUS System, Visa Network, or is a Visa Member Bank.
  7. How do I find the location of a bank or ATM?
    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.
  8. Whose responsibility is it to pay the bill?
    It is the employee’s responsibility to ensure payment in full is received at USBANK prior to the next billing cycle.  
  9. On what date does my statement generate?
    Your account cycles on the 25th of each month at which time a statement is produced.
  10. Do I wait for the bill to submit my travel expense voucher?
    No.  Please submit your travel expense voucher within 21 days of completing the trip.  It is important that timely expense reports are submitted to ensure prompt reimbursement.
  11. Is it important to reconcile my statement each month?
    Yes.  Even though you have been reimbursed for business expenses, you should review your statement for accuracy.  This will ensure that your account always remains in proper balance.  If you have not received your statement, please contact USBANK Customer Service at 1-800-344-5696. The bill should be paid in full to USBANK within 30 days of receipt.
  12. If payment in full is not received by the next billing cycle is a late fee applied?
    There is not a late fee applied at 30 days past due. However at 60 days past due a late fee of 2.5% will be applied to the current outstanding balance and card will be suspended.  If still no payment applied before 90 days past due, there will be a 2.5% late fee and the card will be closed.
  13. What if I do not recognize a charge or need more information about a charge on my statement?
    Refer to the back of your statement for billing inquiries/problems or questions.  USBANK must hear from you no later than 60 days from the original statement date on which the charge in question appeared.  Be sure to keep records of all discussions, including the name of the Customer Service Representative.  If you have any questions or need further clarification, please  contact USBANK Customer Service at 1-800-344-5696.
  14. What happens once I have notified USBANK of a dispute?
    After USBANK has received notification, USBANK will suspend the amount in question.  While USBANK is conducting an investigation, you do not need to pay the amount of the charge which is in dispute; however, you are obligated to pay the entire balance of  charges that are not in question.
  15. How are conversion rates determined?
    Conversion rates are determined on the day Visa receives the transaction.  Visa calculates the rate by averaging the government mandated rate and the wholesale market rate.  The cardholder will see an exact conversion rate on their monthly statement. There is a 1.5% Conversion fee.  For a cardholder to receive an approximate conversion rate, or US dollar amount on a posted transaction the cardholder should contact USBANK Customer Service at 1-800-344-5696.
  16. Does the USBANK Corporate Card provide car rental insurance coverage?
    Your USBANK Corporate Card offers primary car rental insurance.  This coverage is worldwide up to the full value of most rental cars for damage or theft when the rental is primarily for business purposes for a period of up to 31 consecutive days.  The entire rental transaction must be paid with your USBANK Corporate Card and you must decline the rental company’s collision damage waiver option or similar provision offered by the car rental company.

    If you have an accident, you must contact the Visa Assistance Center immediately but no later than 20 days following the date of damage or theft at 1-800-VISA-911.  A claim package will be sent to you.  Please complete and sign all appropriate forms.  All forms must be returned within 90 days even if you have not received all the required documentation.
  17. Is there travel accident insurance coverage?
    As a USBANK Corporate Card cardholder or USBANK Central Travel Account user, you will be insured automatically against accidental bodily injuries that are the sole cause of death or dismemberment while riding in, boarding or alighting from an aircraft, land or water conveyance operated by a common carrier licensed to carry passengers for hire, provided the entire travel fare(s) has been charged on your USBANK Corporate Card.
  18. Can I designate a beneficiary for the travel accident insurance?
    The proceeds will go to the beneficiary you designated on your life insurance beneficiary form.
  19. What happens if your luggage is lost or damaged?
    USBANK provides lost/damaged assistance when the common carrier ticket was charged to your USBANK Corporate Card.  Please contact UCR’s Travel office.
  20. What if my USBANK Corporate Card is lost or stolen?
    Immediately call USBANK Customer Service at 1-800-344-5696.  A report will be filed and a new card with a new account number will be issued.
  21. What should I do if my USBANK Corporate Card fails to receive authorization for a charge?
    If a merchant fails to receive an authorization, they may decline the transaction.  The merchant may obtain a manual (verbal) authorization by contacting USBANK Customer Service at

    1-800-344-5696.  The customer service representative will review the status of the account and if the account meets approval criteria, the manual authorization will be provided.
  22. What if I have a question concerning my account?
    Contact USBANK Customer Service at 1-800-344-5696, 24 hours a day, 365 days a year.

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University of California, Riverside
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Riverside, CA 92521
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Riverside, CA 92521

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