FAQs
Payment Questions

Where can I make my payments?

You may submit a payment through the website or by calling the Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR). (Additional telephone numbers).

Payments are also accepted at your local Exchange or may be mailed to:

The Exchange
PO Box 740890
Cincinnati, OH 45274-0890

NOTE: Be sure to include your remittance stub to ensure your payment is posted to the correct account.

Check Payments: Be sure to write your 16-digit account number on the front of your check.

How does my payment cover all plans?

Payments will be applied to your account in accordance with the Terms and Conditions of your account and as required by law. By paying at least the minimum payment amount each month, you will ensure your account stays current.


What if I want to make a payment that is more than the minimum amount due?

You may pay any amount you wish, as long as you pay the minimum amount due. Any payment that is over the minimum due is applied to the plan(s) with the highest interest rate(s). If you wish to apply any excess payment to a promotional plan, please contact the Exchange Credit Program.


What if I pay less than the minimum payment required?

Any underpayment becomes past due and is added to the next month’s minimum monthly payment. If you need assistance with your monthly payment, please contact the Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR) to discuss your payment options. (Additional telephone numbers).


What happens if I don’t make my payments?

If your monthly payment is not made, your account becomes delinquent. Your charge and check privileges and rewards may be suspended. Your unit commander may be notified and the delinquent balance may be involuntary collected. If you need assistance with your monthly payment, please contact the Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR) to discuss your payment options. (Additional telephone numbers).


What do I need to do if I mailed a payment to the payment center and it did not post?

If the check cleared your bank, please contact Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR). (Additional telephone numbers).

You will need to provide the:

  • Check Number
  • Check Date
  • Check Amount

Will I be charged interest while the payment in question is being researched?

Yes. However, once the missing payment is located and posted, any interest will be adjusted.


What if I made my payment at the local exchange, and it did not post?

You may contact the customer service desk where the payment was made or contact the Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR). (Additional telephone numbers).

If payment was by check, you will need to provide the:

  • Check Number
  • Check Date
  • Check Amount

No Promotion
No Promotion