• What is CNWB Card? • How do I get a replacement card if mine is lost or stolen? • When will I receive my CNWB Card? • How fast can my application be processed? • Who can apply for a CNWB Card? • Where can I send my payment? • Can I pay my bill online? • What should I do if I have a question about a charge on my statement? • Where can I use my CNWB Card? • Annual Percentage Rates • Rewards • Online Account Management Tools At CNWB, we place the highest priority on customer satisfaction. After all, it's key to our success. To provide you with the best service possible, we have compiled frequently asked questions. We try to ensure customer satisfaction by customizing our CNWB Card products to serve your evolving needs, and by giving you the service you deserve. Q. What is CNWB Card? | A. CNWB Card is the first credit card designed expressly for Internet use. It offers unprecedented security, convenience, and value that are made possible by technological innovations unavailable anywhere else. In many ways, CNWB Card functions exactly as a regular credit card. The most important aspect of the CNWB card is our "Checkout" methodology. With this checkout process it is virtually impossible for someone to use your credit card without your knowledge or consent. Just as with ATM withdrawals, all CNWB Card transactions require a special PIN code that only you and CNWB know. Not even the merchants are ever exposed to this information. Q. How do I get a replacement card if mine is lost or stolen? | A. If your CNWB Card has been lost or stolen do not panic! (Remember, no one can use your card without your PIN code) Visit your Member's lounge to report the loss or theft and we will arrange for a replacement card to be mailed to you. You should keep a copy of your CNWB Card PIN code in a convenient place separate from your card or call us at (800) 781-0080 between the hours of 8am-6pm PST, M-F; 8am-5pm PST Sat. Q. When will I receive my CNWB Card? | A. You should receive my CNWB Card in the mail within 7-10 business days after your application has been approved. If you have not received your card, please call us at (800) 781-0080 between the hours of 8am-6pm PST, M-F; 8am-5pm PST Sat. Q. How fast can my application be processed? | A. We will let you know in moments if you have been approved for the CNWB Card. TOP Q. Who can apply for a CNWB Card? | A. You must be at least 18 years of age. You must have a current and physical address in the United States*. We cannot accept any Post Office Boxes (P.O. Box), Army Post Office (APO) and Fleet Post Office (FPO). You must have the required minimum household income of $12,000. *Currently CNWB Card is only available to legal residents of the United States. If you live outside the U.S. please click here. TOP Q. Where can I send my payment? To send your payment via U.S. Mail please send it to: CNWB CNWB Card Payment Center 425 E. Colorado Blvd. #600 Glendale, CA. 91205 TOP Q. Can I pay my bill online? |A. YES. You can pay your bill online by visiting the Cardholder Lounge at www.cyberagecard.com and logging into the Member's lounge. Q. What should I do if I have a question about a charge on my statement? | Log into the Member's lounge and use our account contact features or call (800) 781-0080 and talk to one of our Customer Service Representatives. Q. Where can I use my CNWB Card? | A. You can use your CNWB Card at any one of our participating online merchants. TOP Annual Percentage Rates Q. What types of interest rates does CNWB Card offer? | A. A fixed introductory rate of 0.00% (0.00% daily periodic rate) on purchases for the first 180 days. After that, a fixed rate of 9.95%, (0.02726% daily periodic rate). If payment is received late once during the introductory period, the rate will adjust to a fixed rate of 9.95%. TOP Rewards Very soon you will be able to accumulate reward points through CNWB Card. Every CNWB Card transaction will earn the cardholder reward points. Cardholders accumulate points as they shop and can redeem them for a wide range of high quality goods and services. Q. What will I be able to redeem my CNWB Card reward points for? | A. CNWB Card will offer the best benefits program in the business! Every time you use your card you will earn points redeemable for: Free airline tickets Free CD's, DVD's and videos Free dining Free clothes, shoes, and accessories Free books and more! Q. How will I follow up to see how many reward points I have through CNWB Card? | A. There will be a special place in your account options in the member's lounge. TOP Online Account Management Tools Q. Are there any fees associated with the CNWB Card online account management? | A. CNWB Cardholders gain access to their account for no additional charge just by going to www.cyberagecard.com and clicking on the Cardholder Lounge. As a CNWB Cardholder, you can also download your statements into MS Money or Quicken for no additional cost. Q. I am having trouble logging into my account. What should I do? | A. It is possible that you are unable to login for one of the following reasons: You may have typed in the wrong Internet address. You misspelled or typed the wrong Username or Password. If you notice any errors, please close your browser and reconnect to try again. You may have hit the Enter key instead of clicking Cardholder Lounge. You may have been locked out of your account for security reasons. To protect our cardholders, our system locks accounts after three unsuccessful login attempts. If you need assistance, please call CNWB Card Customer Service at (800) 781-0080. There may be problems with your Internet connection or our system. Please try again later. Q. Can I get additional cards? | Additional cards are available through CNWB Card for a minimal cost of $4.00. TOP