Answers to questions about your Student Visa® Credit Card

How do I choose a credit card?

What happens when I'm no longer a student?

Where do I send my payments?

You have four options: Direct Pay, Online Bill Pay, AutoPay, and Quick Remit

What do I do if my credit card is lost or stolen?

How do I dispute a charge?

What is a credit report?

Why is building a good credit history important?

How can I establish good credit to prepare for the future?

How do I choose a credit card?

Choosing a credit card is a big decision. You should understand a credit card's features such as annual fees, Annual Percentage Rates (APR), and repayment requirements to make an informed decision about the card best suited for your needs.

Call 1-877-SF4-VISA / 1-877-734-8472 to speak with a Customer Service Representative to learn more about the features of the State Farm® Student Visa credit card.

What happens when I am no longer a student?

After graduation and with a good credit history, State Farm Bank® can offer you a State Farm credit card product with higher credit limits, competitive rates, and a rewards program.

Where do I send my payments?

Please send payments for your State Farm credit card to:

State Farm Bank
PO Box 23025
Columbus, GA 31902-3025

What are my payment options?

You have four options, Direct Pay, Online Bill Pay, AutoPay and Quick Remit.

Direct Pay

Direct Pay allows you to pay your State Farm credit cards or consumer loans using any checking or money market account.
Log into your account on statefarm.com® and click the link Pay My SF Credit Card or Consumer Loan. Complete the one-time enrollment process and enjoy the convenience.
Schedule payments in the future
Search and view payment transactions
Download transactions to MSMoney® and Quicken®

Online Bill Pay

An electronic payment set up through statefarm.com
Can only be used to make a payment toward your State Farm Visa account IF you have a State Farm Bank deposit account.
To learn more about Online Bill Pay, click here.

AutoPay

Pays bills on a specified date using a checking or savings account from any banking institution
Can be set up to pay the balance, the minimum, or a set amount every month
No charge for service
No missed due dates
Hassle free bill paying
You can always supplement the AutoPay with an additional payment
To Request AutoPay:
- Call State Farm Bank toll-free at 1-877-SF4-VISA / 1-877-734-8472. A form will be sent to you for your signature and checking or savings account information.

Quick Remit

You can make a payment over the phone by calling State Farm Bank toll-free at 1-877-SF4-VISA / 1-877-734-8472
The payment can be made from any checking or savings account
There is a $10.00 fee for each Quick Remit payment. The $10.00 fee is waived if paid with a State Farm Bank account.

What do I do if my credit card is lost or stolen?

Call State Farm Bank® toll-free at 1-877-SF4-VISA / 1-877-734-8472. Please call us immediately so that we can cancel your card to avoid unauthorized use.

How do I dispute a charge?

If you think your bill is wrong or if you need more information about a transaction on your bill, please call us at 1-877-SF4-VISA / 1-877-SF4-8472 or write us at:

State Farm Bank
PO Box 84062
Columbus, GA 31908-4062

In your letter, please 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 you believe there is an error

What is a credit report?

A Consumer Credit Report is a report of information maintained by a credit bureau. The report will have information such as your name, address, social security number, and credit payment history. Credit grantors, such as banks, may report positive or negative credit payment information to the credit bureau. Utilities, such as the telephone and power companies, may also report your payment history. Credit grantors may review this information any time you apply for a loan, including a credit card, to help them decide whether they will lend you money.

Why is building a good credit history important?

Establishing a positive credit history makes it possible for you to obtain loans in the future for items such as a car or a home. Your credit record may impact the interest rate you pay and the amount of money a lender is willing to offer you. It may also be reviewed when you rent an apartment. So it is important to pay your bills on time and keep the amount of debt you incur at a manageable amount.

How can I establish good credit to prepare for the future?

To establish good credit, you should first pay your bills on time. Second, do not have too much outstanding credit and only borrow what you can afford to repay.

If your credit history isn't established or you have very little credit history established, you should consider building one. You can start by applying for a State Farm Student Visa credit card. If you're having difficulty opening a credit card account, ask a family member or guardian to cosign your application.