Understanding SunTrust Credit Cards

Frequently Asked Questions

At SunTrust, we have several credit card options to suit your needs. Below are the most frequently asked questions about our credit cards.

  • General

    • Frequently Asked Questions
      Frequently Asked Questions

      Where can I find my credit card statement?

      You can log in to your online banking account or SunTrust mobile app to view up to seven years of statements.

      How do I request a credit line increase?

      Please call 800.477.9702 and a SunTrust representative will be happy to assist you in submitting a credit line increase request.

      How do I add an Authorized User and what can and can’t they do on my account?

      Adding an Authorized User is a great way to help someone build credit while also earning rewards faster on the account (if you have a rewards or points credit card). To add someone to your account, please call 800.477.9702. An Authorized User will have their own credit card account number and will share the overall credit line with the primary on the account. They will also be able to make payments. They will not be able to redeem rewards, make changes to the account or have their own Online Banking profile. The authorized user is not legally responsible to pay the credit card bill or any charges from the card use—that is the responsibility of the primary account holder.

      How do I request a replacement credit card?

      If your card is damaged or worn out, you can request a replacement credit card by calling us at 800.477.9702 and we will be happy to assist.

      Where can I find my FICO score?

      We refresh FICO scores monthly to ensure you have the most up to date score. Log in to your online banking account, or SunTrust mobile app, select your credit card and click on “More” to access your score.  Visit FICO Score Program for more information.

      How do I set a travel notification?

      To prevent interruptions while traveling, we recommend setting a travel notification on your account. To do so, log in to your online banking account and select the “Support” tab to set up to four travel destinations. You can also log in to your SunTrust mobile app, and select “Account Services”.

      How do I activate my credit card?

      We have made card activation easier than ever. Visit www.suntrust.com/activatemycard  or call 866.432.2276 to activate your credit card.

      How do I dispute a credit card transaction?

      To dispute a transaction, please call 800.477.9702. 

  • Rewards

    • Frequently Asked Questions
      Frequently Asked Questions

      How do I redeem my rewards?

      Log in to your online banking account and look for the “Rewards” section on the right side of your profile with your rewards balance. When you click on the rewards hyperlink, you will be redirected to our rewards website where you can browse through our rewards catalog, and choose several ways to redeem. You may also redeem by using your SunTrust mobile app.

      How are rewards calculated?

      SunTrust offers a variety of personal credit cards to help everyone find the features and benefits that fit their needs. To learn more about the current rewards offered, visit www.suntrust.com/credit-cards.

  • Payments

    • Frequently Asked Questions
      Frequently Asked Questions

      What are recurring payments and how do I set it up for my credit card?

      Recurring payments are a great way to set up automatic monthly payments towards your credit card balance while avoiding missed or late payments. You have the choice to set your minimum monthly payment, your statement balance or a set dollar amount. Log in to your online banking account and select the “Move Money” tab to get started.

      How do I make a payment?

      We understand our clients have unique payment preferences, which is why we offer choices to fit your lifestyle. You can choose to make payments through our mobile app, online at suntrust.com, by phone, by mail or in person with a banker or teller at any SunTrust Bank branch.

24-hour US-based Customer Service

  • SunTrust Consumer Credit Card
    800.477.9702
  • SunTrust World Mastercard® and
    Visa Signature® Consumer Credit Card
    866.892.4683

Online Banking, PC Banking, Bill Pay, and Mobile Banking
800.382.3232

Credit Card Reward Redemptions
800.255.7125

TDD (Telephone Device for the Deaf)
800.854.8965

Lost or Stolen Card
800.786.8787

International Toll Free
800.ST.TRAVEL (800.7887.2835)

Credit Bureau Disputes
877.596.5407

Account-specific questions
Sign onto Online Banking

General banking comments, questions, or suggestions
Complete a Contact Us form

Write Us
Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):

SunTrust Bank
P.O. Box 85024
Richmond, VA 23285-5024

SunTrust Bank, Special Handling
VA-RIC-9292
P.O. Box 27572
Richmond, VA 23261-7572

Mail All Other Payments and Payoffs as follows:

Credit Card Payments
SunTrust Bank
P. O. Box 79282
Baltimore MD 21279-0282