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FREQUENTLY ASKED QUESTIONS

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  • Q

    Are chip cards new?

    Although chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.

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  • Q

    Can I apply for a Credit Card online?

    Yes. From the homepage, click on Apply for an Account, then Apply for a Credit Card. You will get a response by mail in approximately 2 weeks.

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  • Q

    How are points redeemed for BXS Rewards Program?

    Redeem your BancorpSouth Rewards points online by going to: www.bancorpsouthrewards.com The phone number to call is 1-866-960-7974. To email them: rewardshelp@customerelation.com

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  • Q

    How can I have the limit on my Credit Card lowered?

    An individual card can be lowered by phone verbally. Call 1-888-797-7711 and press option 1, then 2. A joint account must be in writing signed by both account holders. BusinessCards must be in writing and signed by a guarantor. The fax number to send requests is 662-620-3804.

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  • Q

    How do I sign up for the BancorpSouth Rewards offered by BancorpSouth Credit Card?

    Not currently enrolled for BancorpSouth Rewards? We offer three different ways that you can sign up your credit card to start earning reward points for the items you purchase. To enroll, complete the online form, visit any BancorpSouth location, or call 1-800-844-2723. Student Credit Cards are not eligible to participate. Business Credit Cards are eligible. There is no fee to participate in the program.

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  • Q

    How does chip technology work?

    Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were to intercept one of your chip transactions they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.

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  • Q

    How is the minimum payment calculated on a Credit Card?

    The minimum payment is 4% of the balance or $25, whichever is greater.

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  • Q

    How is this card different from a magnetic stripe card?

    A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the cards. Rather than swiping your card, you will insert your chip card into the card terminal to the complete the transaction.

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  • Q

    What are chip cards?

    The chip contains your card number, name and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

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  • Q

    What are the available formats to download into from credit card?

    Quicken (All new versions) Money Excell spreadsheet

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