Your Credit Card Basics

What is an APR?

A credit card's interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate, called the annual percentage rate (APR).

What is an Introductory APR?

Introductory rate means a promotional rate offered in connection with the opening of a credit card. If your credit card offers an introductory rate, note how long you have until the rate rises and what that rate will be. Refer to your Cardmember Agreement for full details.

Can you have more than one interest rate on the same credit card?

Yes. Credit cards often have different APRs for Purchases, Cash Advances and Balance Transfers and these will be clearly outlined in your credit card's monthly statement.

Applying for a Credit Card

What happens after I apply for a KeyBank Mastercard® credit card online?

After you apply online, you'll receive a notification in the mail within 7-10 business days detailing your status. If you are approved then you'll receive information with your credit limit along with the card. If you aren't approved, you'll receive information about why you were declined. In some cases, you may be asked to provide additional information before a decision is made.

How can I pay my bill?

You can pay your monthly bill in one of the following ways:

  • Go to a branch
  • Call 1-800-KEY-2YOU (1-800-539-2968) to make a payment
  • Through the mail
  • Via your Online Banking account
Where do I send my payment if I'm mailing it in?

Send your payment by regular mail to the following address:

P.O Box 89446
Cleveland, OH 44101-6446

To send your payment by overnight mail use this address:

KeyBank Lockbox Services
Attention: Lockbox 89446
5575 Venture Drive
Parma, OH 44130

What can I do with my Online Banking account?

Enrolling in KeyBank’s Online Banking is like having your own personal branch that’s open 24/7. With Online Banking you can:

  • Access your KeyBank checking, savings, CDs, credit card, installment loans, lines of credit and FDIC-insured retirement accounts from your computer or mobile device
  • Pay bills
  • View your statements, tax forms and other documents
  • Earn KeyBank Relationship Rewards® points when you receive your monthly statement online.
  • Set up email or text alerts
  • View reports, charts or graphs of spending to manage your budget
  • Keep your personal contact information current
How do I change my statement payment due date?

Once your credit card account is open your can change you payment due date by stopping in at your local KeyBank branch or by calling 1-800-KEY-2YOU (1-800-539-2968). Once changed, the new payment due date will take effect for the next statement billing cycle.

What are the main differences between the Key2More Rewards and the Latitude credit card options?

The Key2More Rewards is designed for those who are looking to maximize the reward points they receive on eligible purchases. For those looking to manage credit card debt, Latitude offers lower interest rates all while offering the same convenience of a credit card. Both credit cards offer a number of additional benefits and features.

Managing My KeyBank Credit Card Account

How do I view my credit card balance?

You can view your monthly statement in one of the following ways:

  • Go to a branch
  • Call 1-800-KEY-2YOU (1-800-539-2968) and follow the voice prompts
  • On your monthly statement sent in the mail
  • Via your Online Banking account
  • Once enrolled in Online Banking, through KeyBank's mobile app
How do I transfer a balance to my KeyBank credit card?

You can transfer a balance to your credit card in one of the following ways:

  • Go to a branch
  • Call 1-800-KEY-2YOU (1-800-539-2968) and follow the voice prompts
  • By using a convenience check
How do I apply to receive a credit limit increase?

You can apply for a credit limit increase on your KeyBank MasterCard credit card in one of the following ways:

  • Go to a branch
  • Call 1-800-KEY-2YOU (1-800-539-2968) and follow the voice prompts
  • Via your Online Banking account
What happens if I have unauthorized charges on my credit card?

Notify KeyBank as soon as you suspect unauthorized charges on your credit card. If the charges are fraudulent, KeyBank will file a dispute to reclaim those funds along with issuing you a new account number and closing your current credit card account to prevent additional unauthorized charges. If the charges were placed on your account in error (e.g., a double charge from a merchant), KeyBank will file a dispute to correct the error and reclaim those funds.

How do I use my credit card at ATMs?

To use your KeyBank credit card for a cash withdrawal at an ATM you’ll need a PIN. This PIN cannot be provided or created over the phone. You will need to go to a branch or call 1-800-KEY-2YOU (1-800-539-2968) and follow the voice prompts to request that a PIN be sent to you in the mail. Once you receive your PIN you can then change it by calling and using the automated phone system.

How can I add an authorized user onto my credit card account?

You can add an authorized user to your KeyBank MasterCard credit card in one of the following ways:

  • Go to a branch
  • Call 1-800-KEY-2YOU (1-800-539-2968) and follow the voice prompts

At this time you can’t add another authorized user through your Online Banking account.

How is my financial information kept secure?

KeyBank uses state-of-the-art technology to ensure a secure connection. We deliver a secure environment through a variety of methods, such as encryption, firewalls and customer-controlled passwords.

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

Report credit card theft as soon as possible by contacting KeyBank at 1-800-KEY-2YOU (1-800-539-2968) and follow the voice prompts.

How do I put a travel alert on my credit card account?

You can alert KeyBank that you will be traveling and making purchases on your credit card by:

  • Going to a branch
  • Calling 1-800-KEY-2YOU (1-800-539-2968) and following the voice prompts

At this time you can’t add a travel alert notice through your Online Banking account.

Online and Mobile Banking Benefits

How do I use my mobile device to manage my KeyBank credit card account?

First, you'll need to enroll in Online Banking. Then, download the KeyBank app to your mobile device. Use your Online Banking user ID and password to access your account. Within the mobile app you can:

  • View account balances
  • Transfer funds between your KeyBank accounts
  • Make payments to existing payees
  • View and cancel scheduled Bill Pay payments
  • Search and view your transaction history for the last 90 days
  • Make mobile deposits to your deposit account
How do I use email and text alerts?

You'll need to have an Online Banking account. Once you've logged into your Online Banking account, follow the prompts to set up email and text alerts.

How do I set up Apple Pay™ with my KeyBank credit card?

To start using Apple Pay in connection with your KeyBank credit card, open up Passbook on your Apple Pay compatible device, then swipe down and tap the plus sign. Use your iSight camera to enter your credit card information (or type it in manually). Start shopping! You’ll continue to receive all of the rewards, benefits and protection your KeyBank credit card already provides. Note: The card you have stored in iTunes is your default payment card. Switch the default card in your Settings.

KeyBank Chip Card Information

What is a chip card?

Newer KeyBank MasterCard credit cards come embedded with a microchip, which offers more security worldwide. At participating retailers, you can insert your card into a chip reader for added protection. For those without chip technology you can continue to swipe the magnetic strip on your existing card just as you already do. KeyBank credit card holders with older cards will be receiving replacement cards with chip technology at a later date.

Understanding Your Credit Score

What is a credit score?

Your credit score is a number that helps financial institutions determine how likely you are to repay your debt. Every time you apply for, use, make or miss a payment on a loan or credit card, you build another entry that raises or lowers that number on your credit report.

How do I establish a good credit score?

The following steps can help you work toward establishing a good credit score:

  • Limit the number of cards you take out
  • Be sure to pay your monthly balance on time
  • Don't run up the balance on your card
  • Keep well within the credit limit on your account
  • Pay off card balances instead of moving debt to other cards
  • Check your credit report at least once each year to make sure it’s error-free
Where do I get a copy of my credit report?

A free credit report is available once a year from each of the three major credit reporting agencies. Visit to get yours.