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Have a question? Feel free to email us and we’ll be happy to answer any questions you may have.

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Need to speak with someone immediately? No problem. You can always call us direct at 877-379-3001.

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Want to speak with one of our customer support agents about becoming a member? Feel free to contact us at 1-877-379-3001

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Frequently Asked Questions

Yes, your credit and balance is reported to the credit bureaus monthly.

For a credit line increase please email us and our staff will evaluate your account and get back to you as soon as possible.

Your statement is the reflection of the actual due date or you can check your balance and pay your bill online. Payments will be processed with the card on file on the due date.

Your first Payment will post to the bureaus within 45-60 days and then 30 days consecutively.

Yes. There is no prepayment penalty for sending an early payment.

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CONSENT FOR ONLINE STATEMENTS

By electing to receive online e-Statements, you agree to receive and access your monthly periodic billing statement electronically. You will receive an email from us notifying you when your current RAI Financial Account statement is available. To view your billing statement you must click on the link in the email notification or sign in at ncdfinancial.com to access, view or print your statement. We reserve the right to send you paper statements at our discretion, even if you have given us consent to provide your statements electronically. If the email address you have provided to us is not deliverable, you will receive paper statements until the time you provide us a new valid email address. Once you have provided a new email address, you will begin to receive e-Statements.

You will continue to receive e-Statements other than in the two situations described above. If you wish to change your preference to not receive e-Statements and instead to receive paper statements, you must sign in at www.raifinancialmgt.com to change your preference from e-Statement delivery to paper statements. You may opt to change your preference at any time.

Communications may be sent to your email address provided to us by you. Communications may include your name and information about your Credit Account, including your balance or the due date. Electronic communications may be disclosed to any party with access to your Credit Account or email account. All communications in either electronic or paper format from us to you will be considered “in writing.”

By accepting e-statements, you agree to:
• Receive this information electronically, access and retain any disclosures received. To do this you will need a desktop or laptop personal computer with a minimum web browser that supports 128 bit encryption.
• Have ability to receive and read email.
• Receive statements electronically and confirm that you will download or print the statements for your records, acknowledge that you can access information that is provided electronically at this website.
• Acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and our intent that this statute applies to the fullest extent possible.

Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically or any damages caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems.

If your email address changes, you are required to notify us. You have the option to receive any information provided electronically in paper form. To receive specific information in paper form, or to notify us of a change in your email address, contact us at support@raifinancialmgt.com. You may also write us at RAI FINANCIAL LLC, 1340 Teaneck Road, Floor 2, Teaneck, NJ 07666.

Additional Mobile Technology Requirements: If you are accessing our site and the disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the statements presented to you. These applications can be found for most mobile devices in the device’s respective “app store.” If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.