Frequently Asked Questions

How does Auto Pay Work?
Is it easy to get approved for the Sci-Tech Card?
I would like to add someone to my account, how can I do that?
I am filing bankruptcy, I want to keep my car. What should I do?
Can I make payment online?
Can I get a cash advance on the Sci-Tech Card?
How do I get an increase in my credit line?
I have someone who wants me to add them to my Sci-Tech Credit card Account. What is the impact of doing that?
What is the interest rate on the Sci-Tech Card.
Is there an annual fee on the Sci-Tech Card?
If is know I am going to miss a payment, what should I do?
How do I apply for credit
How does the interest deferred program work?
How is my minimum payment calculated?
What happens if I go over my credit limit?
I've never been late, why did my deferred interest programs get cancelled?
How do I get online access to my account.
Why do you need my drivers license number when applying for credit?
How can I get a copy of a past statement?
When I make a payment, how is it applied
How is the interest on my account calculated?
If I miss a payment, what happens?
Do you report to the credit bureau?
My bill is wrong, what should I do?
What happens if my payment bounces?
My statement say something about a mechanic's lien. What is that?

How does Auto Pay Work?

If you enroll in our automatic payment program (AutoPay) you can specify a day during the month when a payment is drafted from your account. This is a service that is designed to pay the minimum payment on your account. If the minimum payment changes (because of new purchases) the amount that will be drafted goes up to whatever the new minimum payment is. You can specify more than the minimum but always at least the minimum payment will be drafted. If there is no minimum is due, then no payment will be drafted. If the payment you have specified is more than the account balance, then only the account balance will be drafted. When your account is at a zero balance, no payments will be drafted, but AutoPay stays in effect and will again draft from your account when you have a balance again. You can start, stop or edit your AutoPay enrollment at anytime by clicking the AutoPay link from your account summary page.

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Is it easy to get approved for the Sci-Tech Card?

Approval depends on credit score. Approval starts at a credit score of around 625. Of course, the more completely you fill out the application the better we can evaluate your application.

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I would like to add someone to my account, how can I do that?

Contact us online or by phone at 816-313-1000. You can add anyone you would like.

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I am filing bankruptcy, I want to keep my car. What should I do?

When you opened your account you acknowledged a security interest and authorized us to take possession of any vehicle that was repaired using your Sci-Tech Credit Card Account. To avoid repossession you can "reaffirm" the debt to the Sci-Tech Credit Card. Your attorney will file papers to allow you to do this. Your car will remain yours and you Sci-Tech Account will stay open and in good standing for future use. After your bankruptcy is final, the Sci-Tech Credit will even help you rebuild your credit.

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Can I make payment online?

You can schedule online payments using a checking account or debit card.

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Can I get a cash advance on the Sci-Tech Card?

You can use your Sci-Tech Credit card account to get repairs and maintenance on cars and light trucks. The Sci-Tech Card cannot be used to get a cash advance.

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How do I get an increase in my credit line?

We normally review your account annually. If you need a credit line increase, contact us online or by phone (816-313-1000) and request an early review.

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I have someone who wants me to add them to my Sci-Tech Credit card Account. What is the impact of doing that?

You can add anyone you like to your account provided that they agree. The person being added will become a co-owner of your account. As the primary account holder, only you will receive a mailed statement however all co-owners can log in online print out copies. It is important to understand the difference between co-owners of your account and authorized users of your account. An authorized user is anyone who, with your authorization, uses your account. In the case of an authorized user, you, the account owner owe for any purchases made by an authorized user. We will not report authorized users to the credit bureau. We will not pursue an authorized user to collect money owed. (however, their car is still subject to repossession). All of the responsibility for the account remains yours. Add them as a co-owner of your account and they will owe for purchases just as you do. We will report them to the credit bureau just as we report on you. The co-owner of your account must agree to being added because they are responsible the ALL the charges on the account. Even those charges made by you and other co-owners. This applies to you as well. If a payment is late, everyone on the account is responsible. The benefit of making someone a co-account owner instead of just an authorized user is that you can help them establish their credit. You might want to do this for a child who is just starting out and has no credit of their own.

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What is the interest rate on the Sci-Tech Card.

The interest on the Sci-Tech Card varies from 9.99% up to 21.99% depending on your credit score. If your account becomes delinquent the delinquency interest rate is 26.99%.

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Is there an annual fee on the Sci-Tech Card?

The Sci-Tech Card has no annual fee. It cost nothing to have the Sci-Tech Card in your wallet.

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If is know I am going to miss a payment, what should I do?

If you contact us either by phone (816-313-100) or online we can work with you. Depending of the circumstances we can extend or reduce payments, waive fees etc. But you must contact us. If you miss your payment, it is too late to help.

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How do I apply for credit

From the home page click the "Apply for Credit" link. Fill out the form and submit. We will review your application and get you an answer, usually the same day.

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How does the interest deferred program work?

Each purchase that exceeds $150, $300 or $500 is interest deferred for 3 months, 6 months or a year. Interest will accrue from the day of purchase but will be cancelled if the all minimum payments are paid when due and if the entire purchase is paid before the expiration of the deferment period.

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How is my minimum payment calculated?

The basic calculation of your minimum payment starts with 15% of the outstanding balance. To that number is added any amounts that are past due from prior periods and any amounts that exceed your credit limit.

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What happens if I go over my credit limit?

Your Sci-Tech Credit card account does not have an over the limit option therefore we will not approve any transaction that would exceed your limit. Therefore it is only possible to exceed you credit limit with the application of unpaid interest, fees or dishonored payments returned to us. Over limit amounts will be added to your next statement's minimum payment. We do not charge an over limit fee.

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I've never been late, why did my deferred interest programs get cancelled?

To maintain your deferred interest programs two things must happen. The first thing is that all payment must be made on time. The other thing is the entire purchase amount must be paid before the time limit expires. So for example, you purchase a car repair for $1000 and make 11 monthly minimum payments on time. When the 12th statement is printed, you will owe $167.37 on the original $1000 purchase. However, your minimum payment will only be $25.10. If you pay only the minimum, the deferred interest period will expire with you still owing $142.27 on the original purchase. When the 13th statement is printed, all the accrued interest for the 1 year deferment period will be applied to the account. That could be hundreds of dollars, depending on your interest rate. To avoid this outcome, when you receive the 12th statement, instead of paying only the minimum payment of $25.10 pay the entire balance of $167.37 to avoid paying interest. Of course if you have other charges on the account that are not deferred, those will have to be paid also because any payments will be applied to those charges first, leaving a balance due on the original $1000 purchase.

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How do I get online access to my account.

Click the "Register for Online Access" link on the menu to the left. Fill out the form, and submit.

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Why do you need my drivers license number when applying for credit?

To prevent identity theft, federal law requires us to positively identify customers to whom we grant credit. We use your drivers license for that purpose.

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How can I get a copy of a past statement?

Statements after March 2012 are available for free online. Statements for prior periods are available from our archives. Simply contact Sci-Tech Card services online or by phone at 816-313-1000. There is a $5.00 per statement charge for archived statements.

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When I make a payment, how is it applied

Our goal is to minimize or eliminate interest charges. When a payment is received, it is first applied to unpaid account fees, such as late fees and returned item fees. Amounts remaining are then applied to non deferred interest charges that have been previously charged but remain unpaid. Payment amounts remaining are then applied to past purchases. First to purchases that are currently being charged interest and then to deferred interest programs, ordered by whichever will expire first.

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How is the interest on my account calculated?

At the end of each day, the daily periodic interest rate is used to calculate two categories of interest. Non deferred interest is calculated on account balances that are not deferred and were charged during past statement periods and past interest charges that have been charged but remain unpaid. The product of this calculation is added to the account balance. The other category is deferred interest. Deferred interest is calculated on each job that is on a deferred interest compounded together with previous calculated interest. The product of this calculation is not applied to the account until a payment is missed or until, if a balance remains, the deferment period expires. If that happens, all previously deferred is charged to the account.

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If I miss a payment, what happens?

Missing payments can be expensive and damaging to your credit. Missed payments will be reported to the credit bureau. When you miss a payment your account will be charged a late fee that can be as much at $39.00. Additionally all deferred interest programs currently in effect will forfeit and all deferred interest will be applied to your account. Finally, the past due amount will be added to your next minimum payment which can make it unaffordable and if the fees and interest charges push you over your credit limit, the overage will be also added to the minimum payment.

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Do you report to the credit bureau?

We report each month to Trans Union and Innovis Credit Bureaus.

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My bill is wrong, what should I do?

If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us as soon as possible on a separate sheet at the address that appears on your statement. We must hear from you no later than 60 days after we sent you the first statement on which the billing error first appeared. You may telephone us if you like but if the issue is not resolved on the phone, you must write to us, because telephoning will not preserve your rights under the law. In your letter give us the following information. Your name and account number, the dollar amount of the suspected error. Describe the error and explain, if you can, why the believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligate to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount in question.

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What happens if my payment bounces?

Dishonored checks and debit or credit card payments will incur a returned Item fee of $39.00. Unless we hear differently from you, we will represent such payments once. You can contact us online or by phone (816) 313-1000 with instructions.

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My statement say something about a mechanic's lien. What is that?

When someone performs repair or improvement work on property such as a car or on your house, the uniform commercial code has provisions that allow the tradesman who did the work to put a lien on the subject property. This lien is superior to all other liens (except tax liens in the case of a house) which means it will be paid in bankruptcy prior other liens. When you opened your account, you granted us the right to take physical possession of any vehicle that was repaired using your Sci-Tech Credit card account. If your account becomes delinquent we can take your car and sell it to pay the bill.

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