There is no charge for these services, they are provided by your

昀椀nancial institution.

When your financial institution or card issuer which provides 
this service, has investigated the event and deemed you are 

responsible for the charge or event.

cardholder. You shall use due diligence and do all things 
reasonable to avoid or diminish any loss or damage to 
property protected by the program. The provider, Generali 
Global Assistance, relies on the truth of statement made in 
the affidavit or declaration from each cardholder. This service 
is provided to eligible Mastercard cardholders at no additional 
cost and is in effect for acts occurring while the program is in 
effect. The terms and conditions contained in this program 
Guide may be modified by subsequent endorsements. 
Modifications to the terms and conditions may be provided via 
additional Guide mailings, statement inserts, or statement 
messages. Mastercard or your financial institution can 

at 
 non-renews or 

cancels any services provided to eligible Mastercard 

cardholders, you will be notified within 30–120 days before 

the expiration of the service agreement. In the event 

substantially similar coverage takes effect without 

interruption, no such notice is necessary. For general questions 

regarding these services, please contact 

.. 

Mastercard Global Service™ provides worldwide, 24-hour 

Call Mastercard Global Service immediately to report your 

make purchases or arrange for a cash advance, with your 

In the United States (including all 50 states, the District
of Columbia, the U.S. Virgin Islands, and Puerto Rico) and 

When out-of-country and in need of assistance, you can 
easily reach a specially trained Mastercard Global Service 
Representative who can help you 24 hours a day, 365 days 
a year, in any language. You can call toll-free from over 80 
countries worldwide. Some of the key toll-free Mastercard 
Global Service telephone numbers are:

Australia ..............1-800-120-113 Mexico .............001-800-307-7309
Austria ................ 0800-070-6138 Netherlands ......... 0800-022-5821
France ..................0-800-90-1387 Poland ............... 0-0800-111-1211
Germany............. 0800-071-3542  Portugal................... 800-8-11-272
Hungary .................. 06800-12517 Spain ..........................900-822-756
Ireland ..................1-800-55-7378 United Kingdom .... 0800-96-4767
Italy...........................800-870-866 Virgin Islands.......1-800-307-7309

For additional information, or for country-speci昀椀c, toll-free 
telephone numbers not listed above, visit our website at 
www.mastercard.com or call the United States collect at 
1-636-722-7111.

Account Information and Card Bene昀椀ts:
When in the United States, contact your card issuer directly 
for account information and 1-800-Mastercard for card 
bene昀椀ts. When traveling outside the U.S., call Mastercard 
Global Service to access your card issuer for account 
information or to access any of your card bene昀椀ts.

ATM Locations: 
Call 1-877-FINDATM (1-877-346-3286) to 昀椀nd the location 
of a nearby ATM in the Mastercard ATM Network accepting 
Mastercard®, Maestro®, and Cirrus® brands. Also, visit our 
website at www.mastercard.com to use our ATM locator. 

You can get cash at over two million ATMs worldwide. 
To enable cash access, be sure you know your Personal 
Identi昀椀cation Number (PIN) before you travel.

Mastercard Airport Concierge™ 

Your passport to the 昀椀ner side of air travel.
Enjoy a 15% savings on Airport Meet and Greet services. 
Arrange for a personal, dedicated Meet and Greet agent 
to escort you through the airport on departure, arrival or
any connecting 昀氀ights at over 700 destinations worldwide 
24 hours a day, 7 days a week, 365 days a year. There are 
also certain airports where you can be expedited through 
the security and/or the immigration process. To reserve 
Mastercard Airport Concierge services visit www.mastercard. 
com/airportconcierge or consult your Travel Advisor. 

Account and Billing Information 

Important: Contact your card-issuing 昀椀nancial institution 
directly for questions concerning your account, such as 
account balance, credit line, billing inquiries (including 
transaction exchange rates), merchant disputes, or
information about additional services not described in this 
Guide. Your 昀椀nancial institution’s phone number should be 
available on your monthly billing statement or on the back of
your card. 

Mastercard® Guide 
to Beneﬁts
for Credit Cardholders

For more information, call 1-800-Mastercard: 1-800-627-8372, 
or en Español: 1-800-633-4466. 
Visit our website at www.mastercard.com. 

M-131721

'2019 Mastercard.

CRED_CC_0319

TDECU  Mastercard 
Cardholder Core Credit Beneﬁts 

Important information. Please read and save. 

This Guide to Beneﬁts contains detailed 
information about the beneﬁts you can access 
as a preferred cardholder. This Guide supersedes 
any Guide or program description you may have 
received earlier.

For more information on any of these services, 
call the Mastercard Assistance Center at 
1-800-Mastercard: 1-800-627-8372,  or
en Espaæol: 1-800-633-4466.

(cid:147)Card(cid:148) refers to Mastercardﬁ card and 
(cid:147)Cardholder(cid:148)refers to a Mastercardﬁ cardholder.

 
 
 
 
 
 
 
 
 
 
 
 
Mastercard ID Theft Protection™ 

Program Description: 
Mastercard ID Theft Protection (IDT) provides you with access 
to a number of Identity Theft resolution services, should you 
believe you are a victim of Identity Theft. This product o昀昀ering 
will alert you about possible identity theft by monitoring 
the surface, dark and deep web, searching for compromised 
credentials and potentially damaging use of your registered 
personal information in order to detect fraud at its inception. 

believe you are a victim of Identity Theft. This product o昀昀ering 
will alert you about possible identity theft by monitoring 
the surface, dark and deep web, searching for compromised 
credentials and potentially damaging use of your registered 

s 

To take advantage of this service, the cardholder must 
en
dashboar

To take advantage of this service, the cardholder must 
enter the personal information they wish to monitor on the 
dashboard. 

R
the
day
prevent further damage. The resolution specialists are native 
speakers of English, French and Spanish, and are based out 
of Bethesda, Maryland. Cardholders are given the option to 
sign limited power of attorney (LPOA) to the specialist, to 
allo
behalf, including contacting police, credit agencies, and other
authorities, translating information, and closing and replacing 
br

Resolution Services: You will have access to a team of identity 
theft resolution specialists, available 24 hours a day, 365 
days a year to help resolve your identity theft incident and 
prevent further damage. The resolution specialists are native 
speakers of English, French and Spanish, and are based out 
of Bethesda, Maryland. Cardholders are given the option to 
sign limited power of attorney (LPOA) to the specialist, to 
allow them to conduct resolution activities on the cardholders’ 
behalf, including contacting police, credit agencies, and other
authorities, translating information, and closing and replacing 
breached accounts. 

tion. 

L
assistance with notifying the appropriate issuing authorities 
to cancel and replace stolen or missing items, such as their
debit
pas

Lost Wallet Assistance: Cardholders will be provided 
assistance with notifying the appropriate issuing authorities 
to cancel and replace stolen or missing items, such as their
debit/credit cards, driver’s license, Social Security card, and 
passport. 

Eligibility: 
All Mastercard consumer credit cardholders in the US are 
eligible for this coverage.

eligible for this coverage.

Access: 
Simply contact 1-800-Mastercard if you believe you have 
been a victim of Identity Theft. 

Services Provided: 
Services provided are on a 24-hour basis, 365 days a year. 
In order to receive the following services, you must enroll at 
https://mastercardus.idprotectiononline.com/.. The services 
include: 

Online Monitoring Dashboard (requires activation): The 
online monitoring dashboard is the primary user interface 
for cardholders. It serves as a repository of all the personally 
identi昀椀able information (PII) data the cardholder wants 
to monitor, tracks and displays cardholders’ risk score, and 
provides access to identity protection tips. It is also the 
platform for cardholders to respond to identity monitoring 
alerts. 

In order to receive the following services, you must enroll at 
Single Bur
..
credit 昀椀le will be monitored for changes that could indicate 
fraud such as new credit inquiries, an address change or new
credit account(s) opened in their name. An alert noti昀椀cation 
via emai
cardholders’ TransUnion credit 昀椀le so they can take immediate 
action to minimize damage.

Single Bureau Credit Monitoring: Cardholders’ TransUnion 
credit 昀椀le will be monitored for changes that could indicate 
fraud such as new credit inquiries, an address change or new
credit account(s) opened in their name. An alert noti昀椀cation 
via email will be sent anytime a hard inquiry is made on the 
cardholders’ TransUnion credit 昀椀le so they can take immediate 
action to minimize damage.

online monitoring dashboard is the primary user interface 

identi昀椀able information (PII) data the cardholder wants 

services 

platform for cardholders to respond to identity monitoring 

Monthly Risk Alert / Newsletter: Cardholders will receive 
a monthly newsletter with information on the cardholder’s 
risk score, and articles pertaining to good identity protection 
practices. 

risk score, and articles pertaining to good identity protection 

To take advantage of this service, the cardholder must enter
their
authen

To take advantage of this service, the cardholder must enter
their Social Security number on the dashboard and pass credit 
authentication. 

F
 IDT monitors cardholder’s high-
risk transactions with more than 300 of the nation’s largest 
c
Monit

Financial Account Takeover: IDT monitors cardholder’s high-
risk transactions with more than 300 of the nation’s largest 
companies to uncover and thwart account takeover attempts. 
Monitored transactions include: 

•

•Debit/credit cards/prepaid cards

compromised credentials and potentially damaging use of

Identity Monitoring: IDT searches the internet to detect 
compromised credentials and potentially damaging use of
your personal information, and alerts you via email so that you 
can take immediate action. This platform utilizes automated 
monitoring and human threat intelligence from cyber
operations agents monitoring threat actors and their tactics 
on the deep and dark web where personal data is bought and 
sold. Data elements that can be monitored are: 

monitoring and human threat intelligence from cyber
operations agents monitoring threat actors and their tactics 
on the deep and dark web where personal data is bought and 

ed 

•

•

•Bank accounts

•Brokerage accounts
•

ou 

•Brokerage accounts
•Healthcare portals

•Workplace intranets

•Other services (e.g. peer-to-peer fund transfers)
To take advantage of this service, the cardholder must enter
the 

•Other services (e.g. peer-to-peer fund transfers)
To take advantage of this service, the cardholder must enter
the accounts they wish to protect on the dashboard. 

•Email addresses

•Debit/credit cards/prepaid cards

•Bank accounts

•Web logins; username and password
•Medical insurance cards

Web logins; username and password

•Drivers’ license

•Loyalty cards

•A昀케nity cards
•Passport number

A昀케nity cards

•Vehicle insurance cards

•Social Security number

URL and Domain monitoring 

URL 
allo
r
the domain and URL 
addr
c
this service will alert the registered cardholder via email and 
provide information regarding the speci昀椀c email address that 
was breached along with information about the date found 
and sour

URL and Domain Monitoring: URL and Domain monitoring 
allows Cardholder to enter up to 10 domain or URL names 
related to cardholder’s business. This service will monitor 
the domain and URL names for any compromised email 
addresses associated with the domain or URL names and if 
compromised email addresses are found in a data breach, 
this service will alert the registered cardholder via email and 
provide information regarding the speci昀椀c email address that 
was breached along with information about the date found 
and source (provided that this information is available.) 

For more information regarding the services stated above and 
additional information, please 
idprotectiononline.com/..

For more information regarding the services stated above and 
additional information, please visit https://mastercardus. 
idprotectiononline.com/.. 

Charges: 

There is no charge for these services, they are provided by your
昀椀nancial institution.

Services NOT Provided: 
•When it is determined you have committed any dishonest, 
criminal, malicious or fraudulent act.
•When your financial institution or card issuer which provides 
this service, has investigated the event and deemed you are 
responsible for the charge or event.
•When any theft or unauthorized use of an account by a 
person to whom the account has been entrusted has been 
committed.
Program Provisions for Mastercard ID Theft 
Protection:
This service applies only to you, the named Mastercard 
cardholder. You shall use due diligence and do all things 
reasonable to avoid or diminish any loss or damage to 
property protected by the program. The provider, Generali 
Global Assistance, relies on the truth of statement made in 
the affidavit or declaration from each cardholder. This service 
is provided to eligible Mastercard cardholders at no additional 
cost and is in effect for acts occurring while the program is in 
effect. The terms and conditions contained in this program 
Guide may be modified by subsequent endorsements. 
Modifications to the terms and conditions may be provided via 
additional Guide mailings, statement inserts, or statement 
messages. Mastercard or your financial institution can cancel 
or non-renew these services, and if we do, we will notify you at 
least thirty (30) days in advance. If the provider non-renews or 
cancels any services provided to eligible Mastercard 
cardholders, you will be notified within 30–120 days before 
the expiration of the service agreement. In the event 
substantially similar coverage takes effect without 
interruption, no such notice is necessary. For general questions 
regarding these services, please contact 1-800-Mastercard.. 
Mastercard Global Service
Mastercard Global Service™ provides worldwide, 24-hour 
assistance with Lost and Stolen Card Reporting, Emergency 
Card Replacement, and Emergency Cash Advance.
Call Mastercard Global Service immediately to report your 
card lost or stolen and to cancel the account. If you need to 
make purchases or arrange for a cash advance, with your 
issuer’s approval, you can receive a temporary card the next 
day in the United States, and within two business days almost 
everywhere else.
Remember, if you report your card lost or stolen, you will not 
be responsible for any unauthorized transactions on your 
account.
In the United States (including all 50 states, the District
of Columbia, the U.S. Virgin Islands, and Puerto Rico) and 
Canada, call 1-800-307-7309.

When out
easily reach a specially trained Mastercard Global Service 
R
a year, in any language. You can call toll-free from over 80 
coun
Global Service telephone numbers are:

A
A
France
Germany
Hungary
Ir
It

1-800-120-113 Mexico

0800-070-6138 Netherlands

0-800-90-1387 Poland

0800-071-3542  Portugal

06800-12517 Spain

001-800-307-7309

0800-022-5821

0-0800-111-1211

800-8-11-272

900-822-756

1-800-55-7378 United Kingdom 0800-96-4767

800-870-866 Virgin Islands

1-800-307-7309

For additional information, or for country-speci昀椀c, toll-free 
telephone number
w
1-636-722-7111

Account Information and Card Bene昀椀ts:
When in 
for
bene昀椀ts. When traveling outside the U.S., call Mastercard 
Global Service to access your card issuer for account 
information or to access any of your card bene昀椀ts.

A
C
of a nearby ATM in the Mastercard ATM Network accepting 
Mas
w

to 昀椀nd the location 

You can get cash at over two million ATMs worldwide. 
To enable c
Identi昀椀cation Number (PIN) before you travel.

Mas

Your passport to the 昀椀ner side of air travel.
Enjoy a 15% savings on Airport Meet and Greet services. 
Arrange for a personal, dedicated Meet and Greet agent 
to escort you through the airport on departure, arrival or
any connecting 昀氀ights at over 700 destinations worldwide 
24 hours a day, 7 days a week, 365 days a year. There are 
also certain airports where you can be expedited through 
the security and/or the immigration process. To reserve 
Mastercard Airport Concierge services visit 
com/

A

 Contact your card-issuing 昀椀nancial institution 

Impor
directly for questions concerning your account, such as 
account balance, credit line, billing inquiries (including 
transaction exchange rates), merchant disputes, or
in
Guide. Your 昀椀nancial institution’s phone number should be 
available on your monthly billing statement or on the back of
your