Lost or stolen cards, please call 800.449.7728
24-hour cardholder service, please call 866.820.4947
Mail payments to:
PO Box 660493
Dallas, TX 75266-0493
For more information or to apply, please call 651.268.7750 or stop by any SPIRE branch.
*How do we calculate the variable rate?
The Annual Percentage Rate (APR) is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the last day of March, June, September and December of each year as published in The Wall Street Journal’s “Money Rates” table to which we add a margin.
How we will calculate your balance?
We use a method called "average daily balance (including new purchases)." The information about the cost of the card described in the application is accurate as of January 1, 2011. This information may have changed after that date. To find out what may have changed, call us at 651.215.3500 or write us at 2025 Larpenteur Ave W., Falcon Heights, MN 55113