EuroOptic Card Support

This Article outlines the steps on how to find a specific transaction in your transaction history.

Prerequisites:

• Cardholder must be logged in
• The transaction must be associated with the selected card

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Make sure you are on the ‘Home’ Page
3. Scroll down to the Recent Card Transactions section.
4. Click the filter icon (sliders icon) at the top-right of the transaction section.
5. Select the appropriate category tab: All, Purchase, Payments, Disputed, Refunds, Adjustment, Fees, or Interest.
6. If you have multiple cards, use the card selector dropdown (upper-right) to switch to the correct card.
7. Click on any individual transaction row to view full transaction details.
8. If the transaction is not visible, scroll down to check for older transactions.

Troubleshooting:

• Pending transactions may not appear until fully posted.
• If looking for a disputed transaction, select the Disputed filter tab.

Related Resources:

• How to Check Your Card Status, Current Balance, and Recent Transactions

This Article outlines the steps on how to view your full card number or CVV.

Prerequisites:

• Cardholder must be logged in
• The card must be active on the account

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Make sure you are on the ‘Home’ page.
3. Locate the card image on the right side of the screen.
4. If you have multiple cards, use the arrow buttons or dropdown below the card image to navigate (e.g., 1 out of 2).
5. On the card image, locate the Card Number checkbox and check it to reveal the full card number.
6. Locate the CVV checkbox and check it to reveal the CVV.
7. Note the expiration date displayed directly on the card image.
8. Uncheck the boxes when finished to re-mask the sensitive details.

Troubleshooting:

• The card number and CVV are masked by default for security.
• If the checkboxes do not reveal the full number, try refreshing the page and logging in again.
• Virtual cards and physical cards may show separately - use the card navigator to view the correct card.

This Article outlines the steps on how to set up or cancel a recurring payment.

Prerequisites:

• Cardholder must be logged in
• At least one bank account must be linked via Manage Payment Methods
• A statement balance or minimum due must exist

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click on Payments in the left sidebar.
3. Ensure you have a bank account linked (see Manage Payment Methods if not).
4. Click the Recurring Payment tab.
5. Fill in the recurring payment details: payment amount, frequency, start date, and the bank account to use.
6. Review the payment schedule and confirm the details.
7. Click Submit to activate the recurring payment.
8. To cancel, click the Upcoming Payments tab to view scheduled payments.
9. Locate the recurring payment and select the option to cancel or delete it.

Troubleshooting:

• Recurring payments will attempt to debit your linked bank account on the scheduled date.
• Ensure your bank account has sufficient funds on the payment date to avoid failed transactions.
• If a recurring payment fails, you will need to manually schedule a new payment.
• View your payment history in the Recent Payments tab.

Related Resources:

• What to do if you Cannot Schedule a One-Time Payment - No Payment Method Linked Error
• How to Make a Payment

This Article outlines the steps on how to view your Payment history.

Prerequisites:

• Cardholder must be logged in
• At least one complete billing cycle must have passed for statement data to be visible

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Navigate to the Payments section.
3. On the right side panel, review the Statement Month, Statement Period, Minimum Due, Due Date, and Statement Balance.
4. Below the statement summary, find the year heading (e.g., 2026).
5. Click on any month listed (e.g., April - 0 Transaction) to view that period's transactions and payments.
6. To view prior years' statements, scroll down to Previous Years.
7. Click on any previous year to expand and view historical statements.
8. Under Recent Payments, view all past payments made on the account.

Troubleshooting:

• If No data available appears under Previous Years, the account has not yet completed a full billing cycle in a prior year.
• If Minimum Due shows $0.00 but you believe a balance is owed, check Recent Card Transactions on the Home dashboard.

Related Resources:

• How to View Your Latest Statement

This Article outlines the steps on how to temporarily turn off or block your card.

Prerequisites:

• Cardholder must be logged in
• Card must be active and not permanently closed

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click on Card Controls in the left sidebar.
3. The Card Controls page displays your card image at the top.
4. Use the arrow buttons or dropdown to select the specific card you want to control.
5. Below the card image, review the Card Status, Card Type, and Card Sub Type.
6. Locate the Turn On/Off Card toggle.
7. The current state is shown next to the toggle.
8. Click the toggle to switch the card OFF (OFF = blue and to the right).
9. To re-enable the card, click the toggle again to switch it back ON.

Troubleshooting:

• Turning the card OFF blocks all new transactions but does not affect already-authorized pending transactions.
• If you have multiple cards, confirm you are toggling the correct one using the card selector.
• Set up a Blocked Card alert in Alerts Setup to receive notification when your card status changes.

Related Resources:

• How to Report Your Card as Lost or Stolen
• How to Report a Fraudulent or Unauthorized Charge
• What to Do If Your Card Was Skimmed

This Article outlines the steps on how to update your home address or billing address.

Prerequisites:

• Cardholder must be logged in
• New address information must be accurate (Address Line 1, City, Zip Code, Country, State)

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Account Services in the left sidebar.
3. From the dropdown, click Personal Details.
4. Locate the Home Address section showing your current address.
5. Click the edit icon (top-right of the Home Address section).
6. The address fields become editable:
7. Update Address Line 1.
8. Update Address Line 2 (if applicable).
9. Update City.
10. Update Zip Code.
11. Select Country from the dropdown.
12. Select State from the dropdown.
13. Click Save to save the new address.

Troubleshooting:

• Ensure all required fields are filled in before clicking Save.
• The address update will be reflected immediately in the system.
• If you need to update the address for a physical card to be mailed, do so before requesting a new card.

Related Resources:

• How to Update Your Phone Number or Email Address

This Article outlines the steps on how to update your phone number or email address.

Prerequisites:

• Cardholder must be logged in
• Access to the registered email address and/or phone number to receive the OTP
• Verification code expires after approximately 5 minutes

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Account Services in the left sidebar.
3. From the dropdown, click Personal Details.
4. Scroll to the Contact Details section.
5. Click the edit icon (top-right of the Contact Details section).
6. A Verify Your Identity popup will appear.
7. A 6-digit verification code is sent to your registered email and mobile (shown partially masked).
8. Enter the 6-digit code in the six input boxes provided.
9. Note the Remaining Time countdown (approximately 5 minutes).
10. If you did not receive the code, click Resend Code.
11. Once verified, update your contact details in the editable fields.
12. Click Save to confirm the changes.

Troubleshooting:

• If you are not receiving the OTP, check your email spam/junk folder.
• The code expires after approximately 5 minutes - click Resend Code to get a new one.

Related Resources:

• How to Update Your Home Address or Billing Address

This Article outlines the steps on how to set up transaction or status alerts for your card.

Prerequisites:

• Cardholder must be logged in
• A valid email address and/or mobile phone number must be on file in Personal Details
• The global Allow Alerts toggle must be turned ON

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Alerts in the left sidebar.
3. From the submenu, click Alerts Setup.
4. Ensure the Allow Alerts toggle at the top is switched to On (blue).
5. Click the Monetary tab to configure spending alerts:
6. Transaction Activity: Set Notify If condition and amount. Check Email and/or SMS. Click Submit.
7. Dispute Raised: Set condition and amount. Check Email and/or SMS. Click Submit.
8. Dispute Settled: Set condition and amount. Check Email and/or SMS. Click Submit.
9. Click the Status tab:
10. Blocked Card: Check Email and/or SMS checkbox. Click Submit.
11. Lost Card: Check Email and/or SMS checkbox. Click Submit.
12. Each alert type requires its own Submit button to be clicked to save.

Troubleshooting:

• If you are not receiving alerts, ensure the Allow Alerts master toggle is ON.
• Verify your email address and mobile number are up to date in Account Services > Personal Details.
• Each alert type is configured independently - click Submit for each row you want to save.
• Click the info icon next to each alert type for a description of when it triggers.

Related Resources:

• Understanding Why You Received a Fraud Alert Notification

This Article outlines the steps on how to find your card member agreement, privacy policy, or other account documents.

Prerequisites:

• Cardholder must be logged in

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Documents in the left sidebar.
3. A submenu expands showing all available documents:
4. Card Member Agreement
5. Card Benefits
6. Privacy Policy
7. Terms of Use
8. Promissory Note
9. General Notice
10. Electronic Consent Disclosure
11. Click on the document name you wish to view.
12. The document opens as a PDF in the built-in viewer.
13. Use the PDF viewer controls to navigate pages, zoom in/out, print, or download the document.

Troubleshooting:

• If a document fails to load, try refreshing the page.
• Use the zoom controls in the PDF viewer if text appears too small.
• Documents can be printed directly from the PDF viewer using the print icon.

Related Resources:

• Where to Find the Credit Card Privacy Notice

This Article outlines the steps on how to find the Credit Card Privacy Policy.

Prerequisites:

• Cardholder must be logged in

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Documents in the left sidebar.
3. From the dropdown, click Privacy Policy.
4. The Credit Card Privacy Policy PDF opens in the built-in viewer.
5. Use the page navigation arrows to move through the document.
6. Use the zoom controls (+ and -) to adjust text size.
7. Click the print icon to print the document.
8. Click the download icon to save the document to your device.

Troubleshooting:

• If the PDF does not load, try refreshing the browser page.
• This document outlines your rights regarding information sharing and how to limit sharing in certain cases.

Related Resources:

• Where to Find Your Card Member Agreement, Privacy Policy, or Other Account Documents

This Article outlines the steps on how to register for an account for the first time.

Prerequisites:

• You must have an existing credit card account with the issuer
• You will need your Date of Birth
• You will need the last 4 digits of your Primary ID (SSN)
• You will need your Last Name

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. On the landing page, click the Sign Up button.
3. On the Let's get your account set up page, enter the following:
4. Select your Date of Birth from the calendar picker.
5. Enter the Last 4 digits of your Primary ID (SSN).
6. Enter your Last Name.
7. Click Next to proceed.
8. The system will verify your identity against your existing card account.
9. If verified, you will be prompted to create a User Name and Password.
10. Your new User Name must meet any displayed requirements.
11. Your Password must meet the security requirements shown.
12. Click Submit or Confirm to complete registration.
13. You can now log in using your new User Name and Password.

Troubleshooting:

• Ensure your Date of Birth and last 4 digits of Primary ID (SSN) match exactly what is on file with the card issuer.
• If you already have an account, use Sign In instead of Sign Up.
• Do not share your User Name or Password with anyone.

Related Resources:

• How to Gain Access to Your Account if You Forgot Your Password
• How to Recover Your User Name If You Forgot It

This Article outlines the steps on how to gain access to your account if you forgot your password.

Prerequisites:

• You must have an existing registered account
• You must know your User Name
• You must have access to the registered email address and/or mobile phone number to receive the OTP

Steps:

1. Navigate to the Self-Service Portal URL: EuroOptic.ssbpgh.com
2. On the landing page, click Sign In.
3. In the Sign In dialog, click the Forgot Password link (bottom-right).
4. On the Forgot Password page, enter your User Name in the Enter User Name field.
5. Click Next.
6. The system will send a verification code (OTP) to your registered email and/or mobile number.
7. Enter the 6-digit OTP code when prompted.
8. Once verified, you will be prompted to enter and confirm a new password.
9. Your new password must meet all security requirements:
10. 8 to 23 characters long
11. At least 1 uppercase and 1 lowercase letter
12. At least 1 special character
13. Must differ from your User Name
14. Cannot begin with ~ or #
15. Click Submit to save your new password.
16. Return to Sign In and log in with your new password.

Troubleshooting:

• If you do not receive the OTP, check your spam/junk folder or click Resend Code.
• The OTP expires after approximately 5 minutes.
• If you also forgot your User Name, use the Forgot User Name link first.

Related Resources:

• How to Change Your Password
• How to Recover Your User Name If You Forgot It

This Article outlines the steps on how to change your password.

Prerequisites:

• Cardholder must be logged in
• Current password must be known
• New password must meet all security requirements

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Account Services in the left sidebar.
3. From the dropdown, click Change Password.
4. Enter your current password in the Enter Current Password field.
5. Enter your desired new password in the Enter New Password field.
6. Confirm the new password in the Confirm New Password field.
7. Ensure your new password meets ALL of the following requirements:
8. 8 to 23 characters long
9. At least 1 uppercase letter and 1 lowercase letter
10. At least 1 special character (%, &, _, ?, #, =, -, etc.)
11. Must differ from your User Name
12. Cannot begin with a tilde (~) or hash (#)
13. All requirement indicators must show a green checkmark.
14. Click Submit to save the new password.

Troubleshooting:

• If the Submit button is grayed out, verify all password requirements show green checkmarks.
• Use the eye icon next to each field to show or hide the password while typing.
• If you have forgotten your current password, use Forgot Password on the Sign In screen instead.

Related Resources:

• How to Gain Access to Your Account if You Forgot Your Password

This Article outlines the steps on how to recover your User ID if you forgot it.

Prerequisites:

• You must have an existing registered account
• You must have your credit card number available

Steps:

1. Navigate to the Self-Service Portal URL: EuroOptic.ssbpgh.com
2. On the landing page, click Sign In.
3. In the Sign In dialog, click the Forgot User Name link (bottom-left).
4. On the Forgot User Name page, enter your full Card Number in the Enter Card Number field.
5. Click Next.
6. The system will verify your card and send your User Name to your registered email or display it on screen.
7. Return to the Sign In screen and log in using your recovered User Name and password.

Troubleshooting:

• Your card number should match the full 16-digit number on the front of your credit card.
• If you do not receive your User Name, check your registered email including spam/junk folder.
• If you have also forgotten your password, use Forgot Password after recovering your User Name.

Related Resources:

• How to Gain Access to Your Account if You Forgot Your Password

This Article outlines the steps on how to close your account.

Prerequisites:

• Any outstanding balance should be paid before requesting closure
• Any scheduled or recurring payments should be reviewed before closure

Steps:

1. Contact Customer Support at the bottom of this page
2. In your message, please include:
3. Your full name as it appears on your account
4. The reason for closure

Troubleshooting:

• Do NOT include your full card number, SSN, or other sensitive information in the message.
• Account closure does not eliminate any outstanding balance owed.

This Article outlines the steps on how to request a credit limit increase.

Prerequisites:

• Account must be in good standing for at least 6 months (no missed payments, within credit limit)

Steps:

1. Contact Customer Support at the bottom of this page
2. In your message, describe your request, including:
3. How long you have been a cardholder
4. The reason for the increase request
5. Any relevant financial information
6. A specialist will submit your request to the underwriting department. A decision is typically provided within a few business days.

Troubleshooting:

• Credit limit increase decisions are made by the card issuer and are subject to creditworthiness review.
• The current credit limit can be viewed on the Home dashboard under Credit Limit.
• Do not include sensitive financial details (SSN, bank account numbers) in the message.

Related Resources:

• How to Check Your Credit Limit

This Article outlines the steps on how to request a replacement credit card.

Prerequisites:

• Cardholder must be logged in
• Card must be active or expired (not reported lost/stolen)

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Navigate to Card Controls in the left sidebar.
3. Click ‘Report Card Lost’
4. Complete the ‘Card Status’ and ‘Delivery Method’ Sections
5. Confirm your ‘Shipping Address’
6. Click ‘Submit’

Troubleshooting:

• Once the replacement card is ordered, cards usually arrive in 7-10 business days.
• Update any recurring payments or saved card details once the new card arrives.

Related Resources:

• How to Activate Your New Credit Card
• How to Report Your Card as Lost or Stolen
• What to Do If Your Card Was Skimmed

This Article outlines the steps on how to activate your new credit card.

Prerequisites:

• You must have received your new card in the mail
• The card activation phone number or instructions should be included with the card

Steps:

1. Locate the activation sticker on the front of your new credit card.
2. Follow the instructions to activate your card.
3. Once activated, you can log in to the Self-Service Portal (EuroOptic.ssbpgh.com) to verify the Card Status shows ‘Active’:
4. Log in and click Card Controls in the left sidebar.
5. Confirm that Card Status shows Active for your card.
6. Alternatively, you can activate your card by clicking the ‘Activate Physical Card’ button in this same window.

Troubleshooting:

• Do not attempt to use the card before activation is complete.
• The Card Controls page will show Card Status: Active once your card is successfully activated.
• Keep your PIN secure and never share it with others.

Related Resources:

• How to Request a Replacement Credit Card

This Article outlines the steps on how to make a one-time Payment.

Prerequisites:

• Cardholder must be logged in
• A bank account must be linked via Manage Payment Methods
• The account must have a balance due

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Payments in the left sidebar.
3. Ensure a bank account is linked. If not, click Manage Payment Methods and add a bank account first.
4. Click the One Time Payment tab.
5. If no payment method is linked, a dialog will appear prompting you to Add Payment Method.
6. Enter the payment details:
7. Payment amount
8. Payment date
9. Bank account to debit
10. Review the payment details carefully.
11. Click Submit or Confirm to process the payment.
12. View the payment in the Recent Payments tab once processed.
13. Your updated statement balance will reflect in the right-side panel after processing.

Troubleshooting:

• Payments may take 1-3 business days to post and reflect in your balance.
• Ensure your bank account has sufficient funds to avoid returned payment fees.
• Pay at least the Minimum Due shown in the statement panel by the Due Date to avoid late fees.

Related Resources:

• What to do if you Cannot Schedule a One-Time Payment - No Payment Method Linked Error
• How to Set Up or Cancel a Recurring Payment
• What to Do If Your Payment Is Not Showing Up
• Understanding Why Your Payment Was Declined

This Article outlines the steps on how to view your latest statement.

Prerequisites:

• Cardholder must be logged in
• At least one billing cycle must have completed for statement data to appear

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Make sure you are on the ‘Home’ Page
3. In the Credit Limit Section, Click to ‘Balance Detail’
4. Previous statements will be listed and available as downloadable PDFs.

Troubleshooting:

• Statement data only appears after the first billing cycle closes.
• If the statement shows $0.00 but you've made purchases, transactions may not have posted yet.

Related Resources:

• What to do if you Cannot See Your Statement History or Previous Payments

This Article outlines the steps on how to dispute a charge.

Prerequisites:

• Cardholder must be logged in
• The transaction should be posted (not pending) before disputing
• Note the transaction date, merchant name, and amount before contacting support

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Make sure you are on the ‘Home’ page.
3. Review the Recent Card Transactions to identify the disputed charge.
4. Note the transaction details:
5. Date
6. Merchant
7. amount.
8. Contact Customer Support at the bottom of this page
9. In your Message, please include:
10. The date of the transaction
11. The merchant name
12. The transaction amount
13. The reason for the dispute (e.g., unauthorized charge, item not received)
14. Do NOT include your full card number or SSN.

Troubleshooting:

• Keep documentation (receipts, correspondence) related to the disputed charge.
• After submitting, monitor the Disputed tab in Recent Card Transactions for status updates.
• Set up Dispute Raised and Dispute Settled alerts to receive notifications about your dispute.

Related Resources:

• How to Report a Fraudulent or Unauthorized Charge

This Article outlines the steps on what to do if you experience an error message or crash while using the app.

Prerequisites:

• Cardholder must be logged in (if error occurs while logged in)
• Internet connection must be available

Steps:

1. Note the exact error message text, the page you were on, and what action you were taking.
2. Refresh the page by pressing F5 or Cmd+R (Mac) / Ctrl+R (Windows).
3. If the error persists, clear your browser cache and cookies:
4. Chrome: Settings > Privacy and Security > Clear browsing data.
5. Safari: Safari > Preferences > Privacy > Manage Website Data.
6. Try using a different browser (Chrome, Firefox, Safari, Edge).
7. Ensure your browser is updated to the latest version.
8. If you are on a mobile device, try accessing the portal from a desktop browser.
9. Log out and log back in.

Troubleshooting:

• Session timeouts show the message: You've been logged out - We noticed you haven't been active in the session.
• Click Sign In to log back in.
• The Invalid Client Identifier error means the URL does not include the correct portal identifier - use the full URL provided by your card issuer.
• Disable browser extensions or ad blockers that may interfere with the portal.

Related Resources:

• What to Do If You Experience an Error Message While Using the Website

This Article outlines the steps on what to do if you experience an error message while using the website.

Prerequisites:

• Internet connection must be available

Steps:

1. Read and note the full error message displayed.
2. Common errors and responses:
3. You've been logged out: Click Sign In to re-authenticate. This is a session timeout.
4. Invalid Client Identifier / Please provide a valid URL: You are using an incorrect portal URL.
5. Use the full URL provided by your card issuer (e.g., /Login/eoportal).
6. No payment method available: Add a bank account via Payments > Manage Payment Methods.
7. No data available: The relevant data does not exist yet (e.g., no statements if new account).
8. For unrecognized errors:
9. Refresh the page (F5 / Ctrl+R / Cmd+R).
10. Clear browser cache and cookies.
11. Try a different browser or device.
12. Log out and log back in.

Troubleshooting:

• Screenshot or write down the exact error message before closing it.
• Do not enter sensitive information (card number, SSN) into any unexpected pop-ups or forms.
• Session timeouts are automatic for security - simply sign in again.
• If errors occur consistently, try disabling browser extensions or using incognito/private mode.

Related Resources:

• What to Do If You Experience an Error Message or Crash While Using the App

This Article outlines the steps on how to block a specific merchant to prevent future transactions.

Prerequisites:

• Cardholder must be logged in

Steps:

1. While credit card networks do not offer a service to permanently block a specific merchant from charging your card, we're here to help if you're experiencing unauthorized charges.
2. If you are being charged without your consent, you should:
3. Verify the Transaction before jumping into a dispute, double-check a few common "false alarms":
4. Sometimes a parent company’s name appears instead of the store (e.g., "L Brands" instead of "Victoria’s Secret").
5. To note, as an alternative, you can temporarily turn off your card entirely using Card Controls:
6. Click Card Controls in the left sidebar.
7. Use the Turn On/Off Card toggle to disable your card temporarily.

Troubleshooting:

• Using the Card Controls toggle will block ALL transactions, not just specific merchants.

Related Resources:

• How to Temporarily Turn Off or Block Your Card
• How to Report a Fraudulent or Unauthorized Charge

This Article outlines information about points and rewards.

Steps:

1. Navigate to the EuroOptics Points and Rewards Page ( www.eurooptic.com/account/rewards )

Troubleshooting:

• Please visit the EuroOptics Points and Rewards Page for All Points and Rewards related inquiries

This Article outlines the steps on understanding why your application was rejected.

Prerequisites:

• This topic applies to applicants who are applying for a card for the first time

Steps:

1. Common denial reasons include:
2. Credit score too low
3. Insufficient income
4. Too many recent credit inquiries
5. High existing debt-to-income ratio
6. Incomplete or inaccurate application information
7. Review your credit report for errors at AnnualCreditReport.com.
8. Wait at least 6 months before reapplying to minimize additional credit inquiries.

Troubleshooting:

• You can request your free credit report to review your credit standing.
• Multiple credit applications in a short period can lower your credit score.

This Article outlines the steps on what to do if your payment is not showing up.

Prerequisites:

• Cardholder must be logged in
• Allow 1-3 business days for payments to fully post

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Payments in the left sidebar.
3. Click the Recent Payments tab to view all submitted payments.
4. Check the payment date, amount, and status in the list.
5. On the Home dashboard, check the Card Balance and Available Balance - a posted payment will reduce the balance.
6. In the right-side panel of the Payments section, review the Statement Balance and Minimum Due.
7. If the payment was submitted less than 3 business days ago, wait for processing to complete.

Troubleshooting:

• Payments submitted on weekends or bank holidays may take an additional business day.
• Verify the payment was not returned due to insufficient funds in your linked bank account.
• If a recurring payment is missing, check the Upcoming Payments tab to confirm it is scheduled.
• Check your bank account to confirm the funds were debited.

Related Resources:

• How to Make a Payment
• Understanding Why Your Payment Was Declined

This Article outlines the steps on understanding why your payment was declined.

Prerequisites:

• Cardholder must be logged in

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Payments in the left sidebar.
3. Click the Recent Payments tab to review the payment status.
4. If a payment shows as returned or failed, check the reason:
5. Insufficient funds: Ensure your bank account has sufficient funds and reschedule the payment.
6. Incorrect bank account details: Go to Manage Payment Methods, remove the incorrect bank account, and add the correct one.
7. Closed account: Remove the old bank account from Manage Payment Methods and add a current one.
8. To correct a failed payment:
9. Click Manage Payment Methods to verify or update your bank account.
10. Return to One Time Payment and schedule a new payment.

Troubleshooting:

• Your bank may charge a returned payment fee for insufficient funds.
• The card issuer may also charge a returned payment fee - check your Card Member Agreement in Documents.
• Verify your routing and account numbers carefully when adding a new bank account.
• To avoid future declines, ensure sufficient funds are available before the scheduled payment date.

Related Resources:

• How to Make a Payment
• What to Do If Your Payment Is Not Showing Up

This Article outlines the steps on what to do if you haven't received your refund.

Prerequisites:

• Cardholder must be logged in
• Allow 3-10 business days for refunds to post

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. On the Home dashboard, Navigate to Recent Card Transactions.
3. Click the filter icon and select the Refunds tab to view all refund transactions.
4. If the refund does not appear, confirm with the merchant that the refund was processed and obtain:
5. The refund confirmation or reference number
6. The date the refund was issued by the merchant

Troubleshooting:

• Refunds are processed by the merchant and may take 3-10 business days to appear.
• A refund will appear as a credit in the Refunds category in Recent Card Transactions.
• If the refund is for a disputed charge, monitor the Disputed tab for updates.
• Contact the merchant first if the refund has not been initiated on their end.

Related Resources:

• How to Dispute a Charge

This Article outlines the steps on how to report your card as lost or stolen.

Prerequisites:

• Immediate action recommended if card is lost or stolen
• Do NOT wait - report immediately to minimize fraud exposure

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Navigate to Card Controls in the left sidebar.
3. Click ‘Report Card Lost’
4. Complete the ‘Card Status’ and ‘Delivery Method’ Sections
5. Confirm your ‘Shipping Address’
6. Click ‘Submit’
7. Monitor your Recent Card Transactions on the Home dashboard for unauthorized charges.

Troubleshooting:

• Once the replacement card is ordered, cards usually arrive in 7-10 business days.
• Update any recurring payments or saved card details once the new card arrives.

Related Resources:

• How to Temporarily Turn Off or Block Your Card
• What to Do If Your Card Was Skimmed

This Article outlines the steps on how to check your Card Status, Credit Limit, Current Balance, and Recent Transactions.

Prerequisites:

• Cardholder must be logged in

Steps:

1. Log in to the Self-Service Portal: EuroOptic.ssbpgh.com
2. On the Home dashboard you can find the following:
3. Credit Limit (total credit line)
4. Card Balance (current amount owed)
5. Click Balance Detail for a more detailed breakdown.
6. Available Balance (remaining available credit)
7. Recent Transactions:
8. Use the filter tabs (All, Purchase, Payments, Fees, etc.) to narrow results.
9. Click any transaction to view its details.
10. For multiple cards, use the card selector dropdown (upper-right) to switch between cards and view each card's credit limit.
11. To check Card Status:
12. Click Card Controls in the left sidebar.
13. Select your card from the dropdown if you have multiple cards.
14. Card Status (Active/Inactive), Card Type, and Card Sub Type are displayed.

Troubleshooting:

• The Card Balance reflects total amount owed; Available Balance reflects remaining credit.
• If your card is turned off (Card Controls toggle set to OFF), Card Status may show accordingly.
• Transactions may take 24-48 hours to appear after being made.
• For a full transaction history, navigate to the Payments section and review the statement history.

Related Resources:

• How to Check Your Available Credit, Last Payment Date, and Amount
• What to do if you Cannot Find a Specific Transaction in Your Transaction History

This Article outlines the steps on how to check your last payment date and amount.

Prerequisites:

• Cardholder must be logged in

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. On the Home dashboard, Navigate to ‘Payments’ in the left sidebar.
3. Click the Recent Payments tab.
4. The most recent payment will appear with the date and amount.
5. Alternatively, in the right-side panel of the Payments page, review the Statement Balance and Minimum Due for the current cycle.

Troubleshooting:

• Available Balance = Credit Limit minus Current Balance.
• Last payment details may also appear in Recent Card Transactions on the Home dashboard under the Payments filter.
• If you made a payment recently, allow 1-3 business days for it to reflect.

Related Resources:

• How to Check Your Card Status, Current Balance, and Recent Transactions

This Article outlines the steps on how to find information about fees, interest rate, or APR.

Prerequisites:

• Cardholder must be logged in

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Click Documents in the left sidebar.
3. Click Card Member Agreement to view the full terms, including:
4. Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers
5. Annual fee
6. Late payment fee
7. Cash advance fee
8. Returned payment fee
9. Other applicable fees
10. For the current statement's interest charges, you can also go to the Home dashboard and filter Recent Card Transactions by Interest.
11. For fee charges, filter Recent Card Transactions by Fees.

Troubleshooting:

• The Card Member Agreement is the authoritative source for all fees and interest rates.
• Interest charges appear in the Interest category of Recent Card Transactions.
• Fee charges appear in the Fees category of Recent Card Transactions.

This Article outlines the steps on how to report a fraudulent or unauthorized charge.

Prerequisites:

• Cardholder must be logged in
• Identify the specific fraudulent transaction(s) before contacting support

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. If you believe your card is compromised, Navigate to Card Controls in the left sidebar
3. Turn the card OFF using the Turn On/Off Card toggle.
4. Navigate back to the ‘Home’ dashboard to review your Recent Card Transactions to identify any fraudulent or unauthorized charges.
5. Note the transaction details: date, merchant name, and amount.
6. Contact Customer Support at the bottom of this page
7. In your message, please include:
8. The transaction date, merchant name, and amount
9. That you did not authorize the charge
10. Whether you still have your physical card
11. Change your password immediately via Account Services > Change Password.

Troubleshooting:

• Report fraudulent charges as soon as possible to limit liability.
• You may have zero liability for unauthorized charges if reported promptly - check your Card Member Agreement.
• After reporting, monitor your account closely for additional unauthorized activity.
• Set up Transaction Activity alerts in Alerts Setup to receive notifications for all future transactions.

Related Resources:

• How to Temporarily Turn Off or Block Your Card
• How to Dispute a Charge
• How to Report Your Card as Lost or Stolen
• What to Do If Your Card Was Skimmed

This Article outlines the steps on understanding why you received an alert to confirm your purchase

Steps:

1. To best protect our cardholders, if an abnormal transaction is identified, an alert will be sent to confirm the transaction.
2. Please review the transaction.
3. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com) and make sure you are on the ‘Home’ page.
4. Check Recent Card Transactions to find the flagged transaction.
5. Determine if the transaction was made by you.
6. Please respond to the alert accordingly.
7. If the transaction was NOT authorized:
8. Immediately go to Card Controls and turn the card OFF.
9. Contact Customer Support at the bottom of this page
10. In your message, please include the details of the unauthorized charge.
11. Change your password via Account Services > Change Password.

Troubleshooting:

• Never click links in fraud alert texts or emails - log in to the portal directly instead.
• Review all recent transactions, not just the flagged one, for any additional unauthorized activity.
• Set up Transaction Activity alerts in Alerts Setup for real-time transaction monitoring.

Related Resources:

• How to Set Up Transaction or Status Alert Notifications for Your Card
• How to Report a Suspicious Email or Text
• How to Report a Fraudulent or Unauthorized Charge

This Article outlines the steps on what to do if your credit card purchase is not working.

Prerequisites:

• Cardholder must be logged in to check account status

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Check the following:
3. Card Controls: Ensure the Turn On/Off Card toggle is set to ON (blue).
4. If it was accidentally turned off, toggle it back on.
5. Home dashboard: Check Card Balance and Available Balance to confirm sufficient credit is available.
6. Card Controls: Verify Card Status shows Active.
7. If the card appears active with available credit:
8. Verify the card number, expiration date, and CVV with the merchant.
9. Confirm your billing address matches the address on file in Personal Details.
10. Try the transaction again.

Troubleshooting:

• Online purchases may require the billing address to exactly match Personal Details.
• Some transactions (e.g., international purchases, large amounts) may trigger automatic fraud holds.
• If you are planning on traveling internationally, please notify Customer Support at the bottom of this page in advance to prevent blocks on transactions.
• Check if the card is expired by reviewing the expiration date on the card image in the Home dashboard.

Related Resources:

• How to Check Your Card Status, Current Balance, and Recent Transactions
• How to Check Your Available Credit, Last Payment Date, and Amount

This Article outlines the steps on what to do if your card was skimmed.

Prerequisites:

• Immediate action recommended

Steps:

1. Log in to the Self-Service Portal (EuroOptic.ssbpgh.com)
2. Navigate to ‘Card Controls’ in the left sidebar menu.
3. Toggle the Turn On/Off Card switch to OFF (grey) to block all new transactions.
4. Review Recent Card Transactions on the Home dashboard for any unauthorized charges.
5. Contact Customer Support at the bottom of this page
6. In your message, please include:
7. Where and when you believe the skimming occurred
8. Any unauthorized transactions you have identified
9. Change your portal password via Account Services > Change Password.
10. Navigate to Card Controls in the left sidebar.
11. Click ‘Report Card Lost’
12. Complete the ‘Card Status’ and ‘Delivery Method’ Sections
13. Confirm your ‘Shipping Address’
14. Click ‘Submit’

Troubleshooting:

• Once the replacement card is ordered, cards usually arrive in 7-10 business days.
• Dispute any unauthorized charges by following the dispute process.
• Update any recurring payments or saved card details once the new card arrives.
• Report the skimming location to local law enforcement.

Related Resources:

• How to Temporarily Turn Off or Block Your Card
• How to Request a Replacement Credit Card
• How to Report Your Card as Lost or Stolen
• How to Report a Fraudulent or Unauthorized Charge

This Article outlines the steps on how to submit documentation for SCRA (Servicemembers' Civil Relief Act) eligibility.

Prerequisites:

• Cardholder must be an active-duty servicemember or qualifying dependent
• Military orders or other documentation of active-duty status will be required

Steps:

1. Contact Customer Support at the bottom of this page
2. In your message, please include:
3. Your request for SCRA rate and fee protections
4. The date your active-duty service began
5. Your branch of service
6. A request for instructions on how to submit your military orders documentation
7. Do NOT include your full SSN or sensitive personal information in the message.

Troubleshooting:

• Documentation typically required copies of military orders showing start and anticipated end date of active duty.