Credit Card Block Codes

Helpful Resources

Learn how to hot card an online credit card.

A Word About Hot Cards

Block Codes, which appear on the cardholder maintenance screen as well as on various CU*BASE inquiry screens, are updated by during daily maintenance transmissions from all networks. Block codes appear on various CU*BASE inquiry screens. See below for a list of block codes.

If a member’s credit card is lost or stolen during non-business hours, he or she should contact the hot line number provided on the card and report the loss as usual. It is not necessary to update the flag manually in CU*BASE, although we suggest you verify the card status change has been updated on CU*BASE by your vendor.

• Remember: A member can have multiple cards with the same PAN assigned to one credit card loan (for example, for authorized users, additional signers on the loan, etc.). If the loan has a card with a HOT card status, this may affect all cards issued under that loan.

Default Credit Card Block Codes

These are the default codes used to report hot card status on an online credit card, if CU*Answers has not yet completed Phase II processing for your card statuses. Use them on the Card Status screen.

Block Code	Description	Action	Eligible for Emboss*	Status can be D or X
	blank = Open Active Status (no block)	Approve	Y
A	Invalid Address	Approve	Y
B	Bankruptcy	Pick-up	N	þ
C	One Cycle Delinquent	Decline	N	þ
D	Deceased	Pick-up	N	þ
F	Fraud	Pick-up	N	þ
G	Marital Problems	Pick-up	N	þ
H	High Balance	Approve	Y	þ
I	VIP (Very Important Person)	Approve	Y
J	Collection Account	Pick-up	N	þ
K	Closed – per Institution	Pick-up	N	þ
L	Lost Account	Pick-up	N	þ
N	Closed Annual Fee Not Paid	Decline	N	þ
P	Past Due 5 days	Approve	Y
Q	Charge Off	Pick-up	N	þ
S	Stolen Account	Pick-up	N	þ
U	Credit Counseling	Pick-up	N	þ
V	Closed – See File	Pick-up	N	þ
W	Closed – Transfer Balance	Pick-up	N	þ
X	Closed – Per Cardholder	Decline	N	þ
Y	Collection – Legal Pursuit	Pick-up	N	þ
Z	Cardholder Dispute	Approve	Y

 

*This Y/N indicator governs eligibility for a card to be embossed and whether the true available card balance is transmitted to your vendor or is set to zero in the Positive Balance File (PBF). A “Y” indicates the card is eligible to be embossed and the true available balance is transmitted to your vendor. An “N” means a card cannot be embossed and the available balance is set to zero in the PBF.

Valid status codes are A – Active, D – Duplicate, or X – Deleted. The status code and block code add a level of control at the card level. The block code determines whether the card can be deleted or identified as a duplicate. Notice that most block codes that restrict embossing of a card, can also be used to mark a card as duplicate or deleted.

 

For complete information, refer to the Online Credit Card Processing User Guide.