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One action, brought in Federal Court, did succeed with blocking it, on the technicality that Alabama's banking laws, under which the state-chartered bank operated, were incompatible on a few points with Federal banking laws that governed the national banks in the area of mergers. BBVA USA (formerly BBVA Compass) is a bank holding company headquartered in Birmingham, Alabama.It has been a subsidiary of the Spanish multinational Banco Bilbao Vizcaya Argentaria since 2007 and operates chiefly in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.. Invitation Homes closes sustainability-linked revolving credit facility, BBVA USA acts as sustainable agent and coordinator. The site faces the highway and is surrounded by newly built offices, commercial buildings, and … Located in Madrid, Spain, the central building, called "La Vela", is BBVA's flagship city building. [25], In December 2018, Javier Rodríguez Soler became CEO of BBVA Compass. For more results, you can use our search tool or click "Texas" from the top menu for a list of all branches. World's Best for Corporate Office Info. Click to bookmark this listing. The Bank offers checking accounts, credit and debit cards, loans, insurance, payment protection, phone banking, bill pay, and merchant services. Their corporate headquarters is listed as: 15 20th Street S in Birmingham Alabama. [10], In 2013, BBVA further expanded its regional presence with the opening of BBVA Compass Plaza, a 312,000 square foot office building in Houston. BBVA USA, whose headquarters are in Birmingham, Ala., will have various assets included in the sponsorship, including naming rights, logo display, and a community initiative that is … BBVA USA’s phone number is (844) 228-2872 In 1981, Central and a coalition of other bank holding companies successfully lobbied for the Bank Merger Act, allowing statewide bank branching under a single banking company. The share. In 1979, the bank opened a large branch office at 1560 Montgomery Highway in Hoover. BBVA Corporate Office & Headquarters 15 South 20th Street Birmingham AL 35233 BBVA corporate phone number: 1 (205) 297-1986 Average Rating and Total Reviews. BBVA’s new headquarters is located on the northern periphery of Madrid. To report fraud or identity theft: Visit our security center for instructions. BBVA USA, whose headquarters are in Birmingham, Ala., will have various assets included in the sponsorship, including naming rights, logo … BBVA USA moved its headquarters from Birmingham to Houston in 2019, and adopted the BBVA branding, taking the "Compass" brand from its name. How do I activate my Debit Card? In 1995 Harry Brock tried, unsuccessfully, to sell Compass Bancshares to First Union Corp. for $1 billion. Central did win their appeal and reorganized as the Central and State National Corporation, which was soon renamed Central Bancshares of the South. To Request Company Reports. Bbva Usa Overview. See reviews, salaries & interviews from BBVA employees in Houston, TX. BBVA USA, 40th & Thomas Branch Full Service Brick and Mortar Office 4010 East Thomas Road Phoenix, AZ 85018. BBVA USA has 643 banking locations. [22], In December 2016, Onur Genç became CEO of the company. Another group, led by Frank Plummer, Norman Pless, and Bob Lowery, was able to form Alabama's first statewide holding company while Central's appeal was pending. They are one of 643 branch locations operated by Bbva Usa. [8], In March 2008, BBVA announced that it received Federal approval to integrate its four subsidiary banks—State National, Texas State Bank, Laredo National Bank and Compass Bank—into a single organization (Citation), which would become known as BBVA Compass.[9]. At the Periphery of the Capital BBVA’s new headquarters is located on the northern periphery of Madrid. [28][29][30][31][32][33], On November 16, 2020, BBVA USA agreed to be acquired by PNC Financial Services for $11.6 billion. The City National Bank of Birmingham, which had also been planning a merger, countered with $80 per share. The total area of the grounds is 252,000 square meters. BBVA USA (formerly BBVA Compass) is a bank headquartered in Birmingham, Alabama. Get mobile directions from current location: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB). If you are having issues logging in, need to reset your password, or would like a new account, please contact us at (205) 238-2262. Its diversified business is focused on high-growth markets and it relies on technology as a key sustainable competitive advantage. BBVA USA provides banking services. Interactive analysis. BBVA USA Bancshares, Inc. is a Sunbelt-based bank holding company whose principal subsidiary, BBVA USA, operates 637 branches, including 328 in Texas, 88 in Alabama, 63 in Arizona, 61 in California, 43 in Florida, 37 in Colorado and 17 in New Mexico.BBVA USA ranks among the top 25 largest U.S. commercial banks based on deposit market share and ranks among the largest banks in … BBVA USA Bancshares, Inc. 15 South 20th Street Suite 702 Birmingham, Alabama 35233 205.297.3331 ed.bilek@bbva.com. In 1973 this new company issued a new stock offering to fuel the growth of the statewide network. BBVA USA holds naming rights to BBVA … In July 2012, the bank agreed to pay $11.5 million to settle the lawsuit. Search jobs. Is it taking the US Postal Service two weeks or more to actually deliver my payment, or is BBVA slow to post my check? BBVA operates with 328 branches in 142 different cities and towns in the state of Texas. [7], In January 2008, Gary Hegel became CEO of the company. The bid was supported by Hugh Agricola and other shareholders of the First National Bank of Gadsden, which had been bought by State National. Corporate Headquarters BBVA USA Bancshares, Inc. 2200 Post Oak Blvd. Below you will find ratings, reviews, corporate information, directions, office hours, their phone number, online banking website, and branch locations. Powered by Engage Financial Technology . CHALLENGES: The Ardex/Seire consisted in the coating with an anti-slip solution of all the parking areas bellow the buildings. In 1967, the company moved into a new 15-story new headquarters building on 20th Street South. While this finding was being appealed, banking lobbyists were pushing for new legislation that would prevent the merged company from being able to operate in more than one county. BBVA USA (formerly BBVA Compass) is a bank headquartered in Birmingham, Alabama.It has been a subsidiary of the Spanish multinational Banco Bilbao Vizcaya Argentaria since 2007 and operates chiefly in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.. As of June 2020, the company is the 39th largest bank in the United States by total assets. Either way, it costs me, literally, when my payment is "late." BBVA USA, 4th & Griegos Branch Jones blocked a sale of the bank to First Union that was favored by Brock. Avg. Where's My Bank Profile: Bbva Usa. 1; Most Searched Headquarters. Rating 0.0. Create your own charts and graphs and make comparisons . About Us; Investor Relations; Branches & ATMs. In December 2008, Manolo Sanchez became CEO of the company. Tel:+90 212 318 18 18 Fax: +90 212 318 18 88 Swift: TGBATRISXXX Invitation Homes announced that it has entered into a $3.5 billion syndicated sustainability-linked credit facility, where BBVA USA acted as sole Sustainable Agent & Coordinator, and as a Documentation Agent, Joint Lead Arranger and Joint Bookrunner. BBVA Bancomer USA is not active anymore since 2009-09-11 due to Merger - Without Assistance. Factsheet. You can also scroll down the page for a full list of all BBVA Texas branch locations with addresses, hours, and phone numbers information. BBVA Compass is a leading U.S. banking franchise with operations throughout the Sunbelt Region and ranks among the top 20 largest U.S. commercial banks based on deposit market share. … The company was founded on March 2, 1964[1] as the Central Bank and Trust Company by Harry B. Brock Jr., Schuyler Baker and Hugh Daniel with $1 million of capital. Board member Lawrence R. Uhlick was chosen to serve as BBVA Compass chairman. headquarters. 49 reviews. Soon afterward, the bank changed its name to Compass Bancshares to reflect its expansion outside the South. Nispetiye Mah. In 1969, Central made a hostile takeover bid for Decatur's State National Bank, the only bank that could open branches across county lines. To activate your debit card, you can do any of the following: Mobile Banking: Sign in to your Award-Winning Mobile Banking App. T. GARANTI BANK A.Ş. [17][18] Since that disclosure, BBVA Compass has announced several actions to address the issues of community reinvestment, including committing $11 billion to community development lending, and retaining additional staff at the regional and national level to manage community development investment. The result of the failed bill was that statewide bank holding companies were recognized as a legal possibility for the first time, and the other major banks moved quickly to organize while Central was waiting for a decision on their appeal. Completed in 2015 in Madrid, Spain. BBVA's response to COVID-19. It has been a subsidiary of the Spanish multinational Banco Bilbao Vizcaya Argentaria since 2007 and operates chiefly in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas. [16], In 2014, BBVA Compass disclosed that the results of its periodic examination for compliance with the Community Reinvestment Act (CRA) would probably restrict its ability to engage in additional mergers and acquisitions until after its next scheduled examination. BBVA USA Bancshares, Inc., a Sunbelt-based bank holding company (BBVA USA), reported today net income of $166 million for the third quarter of 2020 compared to a net loss of $124 million in the second quarter of 2020 and net income of $183 million in the third quarter of 2019. BBVA USA has 643 banking locations. The basic data of the Group at a glance. The bank's first acquisition out of state was the failing First National Bank of Crosby, Texas in February 1987. The Group has a strong leadership position in the Spanish market, is the largest financial institution in Mexico, it has leading franchises in South America and the Sunbelt Region of the United States; and it is also the leading shareholder in Garanti, Turkeys biggest bank for market capitalization. On August 21, 2009, in a Federal Deposit Insurance Corporation-supervised transaction, BBVA Compass acquired the deposits and other core assets of Guaranty Bank of Austin, Texas, which suffered from bank failure. Data is updated periodically from the FDIC's databases. By July, Central was able to assemble a voting trust representing about a third of State National's shares in advance of a public offering of $70 per share. BBVA USA’s headquarters are in 15 20th Street S,, Birmingham, Alabama, 35233, United States What is BBVA USA’s phone number? A copy of the Company's … [23] Manolo Sánchez became non-executive chairman. BBVA is the second most important bank in Spain. 49 reviews. [13], In April 2011, BBVA Compass announced the construction of a new-eco-efficient corporate office building in Houston's Galleria area, which would serve as BBVA Compass Bancshares, Inc. Contact Us; Facebook BBVA USA, 40th & Thomas Branch Full Service Brick and Mortar Office 4010 East Thomas Road Phoenix, AZ 85018. [15], In April 2014, BBVA USA opened its renovated Development Center. No:2. Login problems or issues? Dollar General Corporate Office; Sears Corporate Office; Facebook Corporate Office; … The Bank offers saving and current accounts, investments, online banking, mortgage, loans, and treasury management services. Headquarters. 34340 Levent Beşiktaş İstanbul. Locations of BBVA offices in Houston are shown on the map below. Central Bancshares became the first bank in Alabama to own a bank in another state and the first out-of-state bank to own a bank in Texas.[4]. [14], BBVA Compass was one of over 30 banks accused of improperly manipulating customers’ checking account transactions to generate excess overdraft fees by posting them in highest-to-lowest dollar amount instead of in chronological order. A smart and very quiet corporate headquarters. This site is designed to help people locate their bank's nearest branch locations, lobby hours, and online banking information. You can also contact us immediately at 1-844-BBVA USA for debit cards and 1-800-239-5175 for credit cards if your card is lost or stolen. Access information. BBVA Compass is a subsidiary of Compass Bancshares, Inc., a wholly owned subsidiary of BBVA (NYSE: BBVA) (MAD: BBVA). [24] In 2017, Sánchez retired. Bank Headquarters BBVA USA 15 South 20th Street Birmingham, Alabama 35233 205.297.3000. If you have used their banking services in the past please consider leaving a review or rating for future vistors to this page - it is very much appreciated! The Windhaven Branch location of Bbva Usa was established Aug 22, 2009 (11 years and 4 months ago). Images by Rubén P. Bescós. [11], In 2009, the bank launched the BBVA Compass ClearPoints Card, a rewards card with an associated mobile app that notably allows for real-time, in-person redemption of rewards points. SAVE IT. Compass … Brock and Central Bank's other officers personally lobbied against the bill, and though it would have passed easily, died in committee without reaching the floor for a vote. From 2011 to 2014, BBVA USA was the title sponsor of the Birmingham Bowl (then called the BBVA Compass Bowl), a college football bowl game played annually in Birmingham. Compass … Corpor… Locations with BBVA offices are shown on the map below. Their corporate headquarters is listed as: 15 20th Street S in Birmingham Alabama. Creating Opportunities | About BBVA USA BBVA USA Bancshares, Inc. is a Sunbelt-based bank holding company whose principal subsidiary, BBVA… Reviews 0. Learn about BBVA's Houston office. Financial Snapshot (updated periodically). BBVA USA is a commercial bank that offers its products and services, such as consumer loans, mortgages, insurance, and wealth management. [34], Learn how and when to remove this template message, "FDIC Bank Info: BBVA Compass (FDIC # 19048)", http://www.ffiec.gov/npw/Institution/TopHoldings, "Compass Bank founder Harry Brock turned Birmingham into a banking center", "Compass founder turned Birmingham into a banking center", "Compass Bank Introduces New Brand - BBVA Compass", "Compass Bancshares Announces the Retirement of D. Paul Jones, Jr., Garrett R. Hegel to Succeed Jones as CEO and President", https://www.bizjournals.com/houston/stories/2008/07/28/story8.html, "Deal of the Week: New owner for BBVA Compass Plaza", "BBVA Compass aims to make rules clear with new credit card", "BBVA Compass CEO Manolo Sanchez to become chairman of board", https://www.bizjournals.com/houston/news/2011/04/13/bbva.html, "BBVA Compass Settles Overdraft Suit for $11.5 Million", https://www.bizjournals.com/birmingham/news/2015/05/08/bbva-compass-opens-new-center-at-innovation-depot.html, "Form 10-Q, BBVA Compass Bancshares, Inc", "BBVA Compass could face "restrictions" on new branches, certain mergers and acquisitions", "BBVA Compass announces the hiring of community relations officers to coordinate bank's efforts", "BBVA Compass names new executive to oversee its Community Reinvestment Act program", "BBVA Compass pledges $11 billion to community development program", "This Is The Best Mobile Banking App Right Now", "BBVA Compass names Garanti Bank's Onur Genç as CEO", https://www.bizjournals.com/houston/news/2017/11/13/bbva-compass-chairman-manolo-sanchez-retiring.html, "BBVA names Javier Rodriguez Soler as BBVA Compass CEO and Country Manager for the U.S.", "BBVA to unify its brand worldwide, changes its logo", "BBVA Compass makes list of Best Second Chance Checking Accounts in the U.S. by GOBankingRates", "BBVA Compass nabs spot on 10 Best National Banks of 2019 list by GOBankingRates", "Federal Reserve Bank of Atlanta rates BBVA Compass "Outstanding" for CRA performance", "BBVA selects 19 social entrepreneurs across the country to participate in BBVA Momentum", "Kevin McMahon named as BBVA USA Head of Engineering", "New day for BBVA: Bank's global brand strategy launches", "PNC to buy BBVA's U.S. banking arm for $11.6 billion in cash", "Institutions Acquired by BBVA COMPASS BANCSHARES, INC. (1078529)", Federal Financial Institutions Examination Council, "Compass Bancshares, Inc. acquires Enterprise National Bank", "Compass Bancshares acquires Central Texas Bancorp", "Compass to acquire Fidelity's 14 Dallas banks in stock swap", "Arizona Bank joining forces with Compass", "COMPASS BANCSHARES TO ACQUIRE MEGABANK FINANCIAL", "Compass Bancshares to acquire Founders Bank", "Compass buying $880 million FirsTier Corp. in Denver", "Compass Bancshares Completes Acquisition of Fort Worth-Based TexasBanc Holding Co.; Combination creates the fifth largest bank in Texas; #4 ranking in deposit market share in Metroplex", "BBVA Buys Banking Start-Up Simple for $117 Million", "BBVA USA reels in 50k new customers with Open Platform | Bank Innovation | Bank Innovation", https://en.wikipedia.org/w/index.php?title=BBVA_USA&oldid=991627884, Economy of the Southeastern United States, American subsidiaries of foreign companies, Pages containing links to subscription-only content, Articles needing additional references from September 2014, All articles needing additional references, Creative Commons Attribution-ShareAlike License, First Federal Savings Bank of Northwest Florida, This page was last edited on 1 December 2020, at 01:19. BBVA is a financial services group with more than $740 billion in total assets, 47 million clients, 7,400 branches and approximately 107,000 employees in more than 30 countries. [12], In 2010, Garcia Meyer-Dohner stepped down as the bank's chairman and U.S. country manager for BBVA. For ATM locations, drive-thru hours, deposit info, and more information consider visiting their online banking site at: www.bbvausa.com. Their new headquarters buildings has been built in the North of Madrid during 2015 and 2016. It was financed by a $10 million line of credit from the Bank of Virginia, which was pioneering its own statewide banking company. In late 2008, Compass modified its name to BBVA Compass. BBVA USA, 34th Street Branch Full Service Brick and Mortar Office 2814 Southwest 34th Street Gainesville, FL 32608. BBVA is a customer-centric global financial services group founded in 1857. BBVA Compass Headquarters Website / 15 20th Street South, Birmingham, AL 35233. It has been a subsidiary of the Spanish multinational Banco Bilbao Vizcaya Argentaria since 2007 and operates chiefly in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas. The bank also provides small business administration loans, merchant processing, home equity lines and loans, securities brokerage, mutual funds, and … Central instructed their brokers to buy as many shares as they could up to $85 and ended with enough shares to control State National's board. Anticipation to protect the health and safety of employees, clients and all the community, to continue to provide an essential service and to offer financial support to their clients. BBVA USA moved its headquarters from Birmingham to Houston in 2019, and adopted the BBVA branding, taking the "Compass" brand from its name. BBVA Headquarters . Aytar Cad. The bank began pursuing interstate banking in the legislature, and was successful, again with the help of other big banks, in passing enabling legislation that took effect in 1986. Headquarters 15 20th St S STE 1501 Daniel Building, ... On my bbva credit card ending **** I am charged $114.65 (11/11).I am affected by COVID-19. BBVA has 31 banking offices in Houston, Texas. Established: 1964-03-02: Branches: 639: Total Assets: $102,042M: Deposits: $86,670M : US Deposits: $86,670M: Net Income … Nispetiye Mah. Below you will find ratings, reviews, corporate information, directions, office hours, their phone number, online banking website, and branch locations. In response, Alabama's other major banks filed several court actions in an attempt to block the merger. The ClearSpend Card is a prepaid Visa card that offers a safe, secure, convenient alternative to cash. We currently have no ratings or reviews for this bank location. BBVA USA was the successor institution. Headquarters Regions Southern US; Founded Date Mar 2, 1964; Founders Harry Brock Jr. Operating Status Active; Also Known As Compass Bancshares Inc., bbva compass; Legal Name BBVA USA Bancshares, Inc. Company Type For Profit; Phone Number 1-800-239-5175; BBVA USA is a commercial bank that offers its products and services, such as consumer loans, mortgages, … BBVA USA (formerly BBVA Compass) is a bank holding company headquartered in Birmingham, Alabama. No:2. BBVA USA’s headquarters are in 15 20th Street S,, Birmingham, Alabama, 35233, United States What is BBVA USA’s phone number? This group even stole Brock's intended name for Central's proposed holding company, First Alabama Bancshares–forerunner of Regions Financial Corporation. BBVA USA moved its headquarters from Birmingham to Houston in 2019, and adopted the BBVA branding, taking the "Compass" brand from its name. BBVA USA Bancshares, Inc. provides banking services. Soon thereafter, Wally Nall, John Evins, Inos Heard, and Tom Jernigan joined the board. A project designed for people The BBVA City is a complex of 114,000 square meters of offices and services. Other founding directors included Frank L. Hardy, John R. Israel, Wendell H. Taylor and Stewart Welch.[3]. This site is not run by, endorsed, or associated with BBVA USA in any way. Be The First to Write a Review; Edit ; 0 Reviews For BBVA Headquarters & Corporate Office. eCorporateOffices. BBVA USA holds naming rights to BBVA Stadium, a soccer venue in Houston, Texas. [26], In June 2019, BBVA unified its brand worldwide and BBVA Compass is renamed BBVA USA. 49 reviews. [27] Houston, Texas 77056 205.297.3000. BBVA Corporate Office & BBVA Headquarters reviews, corporate phone number and address. [6], On September 7, 2007, Banco Bilbao Vizcaya Argentaria (BBVA), then second largest bank in Spain, acquired the company. All information is provided as-is. 324 NEW HEADQUARTERS FOR BBVA Madrid, Spain Competition 2007, project 2007–2010, phase 1 realization 2009–2013, phase 2 realization 2010–2015 > TEXT | IMAGE; 323 URBAN STUDY Klin, Russia Project 2007-2008 > TEXT; 322 URBAN STUDY Basel, Switzerland Project 2007 > TEXT; 321 HIGH RISE STUDY New York, New York, USA Project 2007 > TEXT | IMAGE; 320 ATTILA, STAGE … BBVA USA’s phone number is (844) 228-2872 BBVA Compass president and CEO Manolo Sánchez was appointed to also assume Garcia Meyer-Dohner's role as the U.S. country manager for BBVA. The deal gave BBVA Compass a presence in California and expanded an existing presence in Texas. D. Paul Jones took over the CEO position from Brock in 1991. NA - Not listed as a child of a larger bank. Headquarters; Operation Center; Regional Offices; Overseas Branches; Representative Offices; Branch & ATM Finder; Contacts ; Full Support; Human Resources; Garanti BBVA News; Sustainability; Press Room; Social Media; Garanti BBVA’s with you everywhere.... T. GARANTI BANK A.Ş. [19][20][21], In 2015, Money Magazine recognized BBVA USA for the best mobile banking app of the year. 34340 … BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA SA, abbreviation of Banco Bilbao Vizcaya Argentaria, Spanish financial group with its strength lying in the traditional business of retail banking, asset management, insurance, private banking, and wholesale banking.Headquarters are in Madrid.. BBVA is the result of the 1999 merger of Banco Bilbao Vizcaya (BBV) and Banco Argentaria. BBVA USA, 4th & Griegos Branch Full Service Brick and Mortar Office 4624 4th Street Northwest Albuquerque, NM 87107 | next page > BBVA USA. As of June 2020, the company is the 39th largest bank in the United States by total assets.[2]. [5], During Jone's tenure, Compass Bancshares expanded into Florida and the west with the acquisitions of banks in Arizona, Colorado and New Mexico. Aytar Cad. BBVA in the USA | 60,482 followers on LinkedIn. The headquarter was located at 21700 East Copley Drive, Suite 300, Diamond Bar, CA 91765. For the next two years, Central Bancshares of the South was the largest bank holding company in Alabama. The company is the 30th largest bank in the United States. The bank also has 310 more offices in six states. There are no other branches of BBVA in neighbourhood locations within a radius of 10 miles. Find Corporate Office: Search. 31 banking offices in six States ; Sears Corporate Office ; Sears Corporate Office ; Facebook Corporate ;... In 142 different cities and towns in the United States by total assets. 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Center for instructions, convenient alternative to cash USA Bancshares, Inc. 2200 Post Oak Blvd Corporate headquarters BBVA,. Oak Blvd and state National Corporation, which was soon renamed Central Bancshares of the.. During 2015 and 2016 & interviews from BBVA employees in Houston, Texas in February 1987,! Endorsed, or associated with BBVA offices in Houston, Texas in February 1987 are shown on the northern of! Consisted in the coating with an anti-slip solution of all the parking areas bellow the buildings create your charts! Favored by Brock 's intended name for Central 's proposed holding company in Alabama for Central 's proposed holding,... Bbva Corporate Office the South in December 2018, Javier Rodríguez Soler became CEO the! In July 2012, the bank opened a large Branch Office at 1560 Montgomery Highway in.! 2012, the company is the 39th largest bank in the United States USA Bancshares, Inc. provides banking.. 4Th & Griegos Branch T. GARANTI bank A.Ş operated by BBVA USA was established Aug 22, (... Located on the map below to sell Compass Bancshares to First Union Corp. for $ 1.... Joined the board became CEO of the Capital BBVA ’ S new headquarters is listed as child. Your own charts and graphs and make comparisons ATM locations, lobby,! Reviews, salaries & interviews from BBVA employees in Houston, Texas S in Birmingham Alabama offers and. In June 2019, BBVA USA Bancshares, Inc. 2200 Post Oak Blvd CA 91765 pay $ 11.5 million settle. Listed as: 15 20th Street Suite 702 Birmingham, Alabama 's other major banks several! [ 12 ], in December 2018, Javier Rodríguez Soler became CEO of South! Homes closes sustainability-linked revolving credit facility, BBVA USA, 4th & Griegos Branch T. GARANTI bank A.Ş banking mortgage... Debit cards and 1-800-239-5175 for credit cards if your card is lost or.. 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